JOAN A. WAIBEL , (nee Fate), age 90.  Beloved wife of the late Raymond J.; loving mother of Raymond A. (Nancy), Joseph G., Mary Sasak (Frank), James M. (Nieva), Richard V., Rose, and Laura Bandsuh (Robert); cherished grandmother of Raymond (Amanda), Jessica, Julie, Sarah Warner (Jager), Nicole, Danielle, and Jennifer; devoted great-grandmother of four; beloved daughter of Fred and Helen Fate (both deceased); dear sister of  Marylou Ryba (deceased), Virginia Schmidt and Carol Mirtich; dearest aunt and great-aunt of many. Family suggests contributions to Regina Health Center , 5232 Broadview Rd., Richfield, OH 44286 or Hospice of the Western Reserve , 17876 St. Claire Ave., Cleveland, OH 44110.  Friends may call at LATEK & RYBICKI, A GOLDEN RULE FUNERAL HOME, 7906 BROADVIEW RD. (corner of Broadview and Sprague Rds.) for VISITING HOURS: Thursday July 13, 4-7 PM .  Mass of Christian burial will be held Friday, July 14, at 10:00 AM at Church of the Assumption, 9183 Broadview Rd., Broadview Heights.  (PLEASE MEET AT CHURCH).  Interment Ohio Western Reserve National Cemetery.