Credit, Debit and Charge Cards
True credit cards have a set spending limit ($500, $2,500, $25,000, etc.) based on the card holder's credit rating and current income. They enable consumers to carry a balance from month to month, and they charge interest on the outstanding debt. When you think about charge cards, think American Express. Unlike credit cards, charge cards do not have a monthly spending limit. You can make a virtually unlimited number of purchases with your card, but you need to pay the balance in full each month. To discourage you from carrying a balance, charge cards generally impose a fee and tack on penalties anytime you don't pay in full. Debit cards work like plastic checks. When you make a purchase with a debit card, the payment for the purchase is taken directly from your bank account.
From a financial perspective, debit and charge cards are structured so that they pose little danger to your financial well-being. Their internal controls discourage or forbid carrying a balance, so the temptation to make purchases that you can't afford is minimized. Credit cards, on the other hand, have served as the instrument of financial ruin for more than a few people.
To figure out which one or ones are right for you, read this article.
Stout Bowman regularly posts important and interesting information on our blog. Current topics include credit/debit/loans, estate planning, insurance, investing, Medicare, retirement, Social Security and taxes, as well as general information that we think you might find of interest. 
We have been publishing an email newsletter for our clients and friends since 2016. Links to all of the newsletters can be found on our newsletter page, with the most recent listed first. We try to keep our emails short, so there are typically only three articles in each one, most of which link to other articles in the financial and mainstream press. 
We also have a page on our site for the latest news about our company, notice of any upcoming events, and a market commentary to discuss what our advisors and other financial industry experts conclude about the previous investment performance and what we might expect the markets and the economy will do in the coming months. 
Many news organizations offer what is called a Rich Site Summary (RSS) feed, a listing of the latest changes to their site's content. We have subscribed to several of these news feeds and present a list of their latest ten articles on a page on this website to save our clients the hassle of going to multiple websites just to see what is available. Currently, we subscribe to 
At Stout Bowman every investment client is first a financial planning client; it's important to go through that process before we make any professional investment recommendations. Therefore, we strive to make financial planning understandable and comfortable every step of the way. One way to do that is to provide our clients access to financial education resources. To that end, we have subscribed to educational websites to receive their news feeds and present a list of their latest ten articles on a page on this website. Currently, we offer