Ruby O. Kramer, 95, of Warsaw, Ind., passed away at 2:20 p.m. Thursday, Oct. 31, 2013, in  Grace Village Healthcare, Winona Lake, Ind. She was born Aug. 12, 1918, in Andrews, Ind., to Earl and Nellie (Whoopengardner) Owen. She married Robert L. Kramer in 1948 and was a homemaker. Ruby was a Past Worthy Matron …read more.