Kimberly Rotter

Kimberly Rotter

Kimberly Rotter is a personal finance writer and small business owner, usually located in San Diego, CA. She holds an MBA (Management) from San Diego State University's School of Business. Kimberly has successfully founded and operated three small businesses, including her current venture, a content creation and strategy service. She is a bankruptcy survivor and now, with her husband, owns two homes and a few investment accounts. Kimberly believes in managing money conservatively and avoiding debt wherever possible. She is also a mother, and enjoys researching and writing about topics that affect parents and families. Connect with Kimberly on LinkedIn, Google+ and Twitter.

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  1. Credit, Loans & Mortgages

    Credit Card or Cash?

    Credit cards are convenient to use, but not always the best choice. Here are 5 times you shouldn't pay with a credit card ...
  2. Retirement Savings

    I Maxed Out My 401(k)! Now What?

    Fear not: There are smart ways to ensure that your retirement nest egg keeps growing.
  3. Credit, Loans & Mortgages

    Are Car Title Loans Ever a Good Idea?

    Most people knowledgeable about finance consider title loans predatory. What would constitute a good-quality short-term loan? ...
  4. High Net Worth Strategy

    Why HSAs Appeal More to High-Income Earners

    Health Savings Accounts are a good deal. But they're a better deal for some than for others. We parse how the plans work ...
  5. Insurance

    How Your Insurance Plan Can Affect Your Health

    So-called narrow networks have been criticized. But it's not necessarily true that they have a negative impact on the medical ...
  6. Health Insurance

    How Health Insurance Helps Manage Financial Risk

    Health insurance open enrollment starts Nov. 1. Choosing the right ACA plan (or plan at work) takes figuring out how often ...
  7. Retirement Savings

    I Maxed Out My IRA! Now What?

    You've contributed your annual maximum to your IRA. Well done! But you need to save much more than that if you're going to ...
  8. High Net Worth Strategy

    6 Steps to Update or Change Your Will

    Life changes – a new marriage, the birth of a child – can necessitate changes in your will.
  9. Insurance

    Is Umbrella Insurance Only for the Wealthy?

    If you have assets to protect – or just run a business from home – you could be unpleasantly surprised at how much you need ...
  10. High Net Worth Strategy

    A Quick Guide to Buying a Home for Your Child

    It is certainly generous. It can even be advantageous to both of you. But beware of the pitfalls.
  11. High Net Worth Strategy

    A Quick Guide on How to Insure Jewelry

    What you need to know to keep those baubles, bangles and beads safe.
  12. Retirement Living

    How to Find the Right Retirement Community

    You're going to be spending a lot of time there, so invest time and thought into which retirement community you pick – before ...
  13. Life Insurance

    Pros & Cons of Indexed Universal Life Insurance

    What you need to know, to see if these vehicles fit into your financial plan.
  14. Small Business

    How To Set Your Rates As A Freelancer

    Smart strategies for estimating costs, researching fees, pricing projects and getting your rate for a range of clients.
  15. Credit, Loans & Mortgages

    Consolidate Your Debt If You Have Bad Credit

    Getting a debt consolidation loan is more difficult when you have bad credit. But it could still help put you on the road ...
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