Mrs. Kraemer-Smith, 55, of the Belford section of Middletown, died Dec. 25, 2009, at Riverview Medical Center, Red Bank. She was an accounting manager for more than 30 years, most recently at American General, Neptune, and Waterford-Wedgwood, Wall. Mrs. Kraemer- Smith was predeceased by her mother, Regina T. Pindell Kraemer. She is survived by a daughter, Ashley Kraemer Smith of Belford; her father, Charles J. Kraemer of Belford; two sisters and one brother-in-law, Maureen C. Kraemer of Highlands, and Marie Kraemer-Bertsch and William of Ocean; and a niece. A Mass of Christian Burial was celebrated at St. Mary’s Roman Catholic Chapel, New Monmouth section of Middletown. Interment followed at Mount Olivet Cemetery, Middletown. Arrangements were by John E. Day Funeral Home, Red Bank. Memorial donations may be made to Mater Dei High School Education Fund, c/o Mater Dei High School, 538 Church St., New Monmouth, NJ 07748.