A neck-warmer is a type of clothing item that is designed to keep the neck and upper chest area warm. The two most common types of neck-warmers are the stole and the SCARF. A stole is a long, narrow shawl made of fur, wool, or other fabric. A SCARF is a piece of fabric that is worn around the neck for warmth or fashion. Both the stole and the SCARF are popular neck-warmers and can be found in a variety of colors and styles.