Margaret Kelemen Howard, 94, of Charlotte, NC passed away Sunday November 4, 2012 at the Asbury Care Center, Charlotte, NC. Margaret was born January 6, 1918 in Jenkins, Kentucky to the late Stephen and Julia Kelemen . Along with her parents she was preceded in death by her husband Thomas W. Howard, Jr., brothers; Alex Kelemen and Steve Kelemen sisters; Julia Roach and Helen Harrill. She is survived by her son Thomas W. Howard, III and his wife Mary of Charlotte, NC , grandsons; Stephen T. Howard (Katie) of Germantown, MD, David E. Howard (Cathleen) of Washington, DC, and James W. Howard of Charlotte, NC. and six great grandchildren. Funeral services will be held at a later date. Memorial contributions to the Alzheimers Association 3800 Shamrock Dr. Charlotte, NC 28215. Raymer-Kepner Funeral Home and Cremation Services is assisting the family. Friends may offer condolences to the family at www.raymerfh.com.