Kimberly Rotter

Kimberly Rotter

Kimberly Rotter is a writer, businesswoman and mother in San Diego, CA. She holds a Bachelor’s degree in English, a Master’s degree in Business Administration, and a Graduate Certificate in Distance Education. Kim and her husband own two homes, a couple of vehicles and a few investments, and they live with minimal debt. Both are successfully self-employed, each in their own field. Learn more at

Recent posts by Kimberly Rotter

Should I Close an Inactive Credit Card Account?

Some credit card accounts lie dormant, and many responsible credit card owners are inclined to close those inactive accounts. Should you? It depends. Before you close an inactive credit card, there are a few important factors you should know. First, it’s important to understand the effect closing an account has on your credit score. You

Don’t Fall for This 0% Balance Transfer Credit Card “Gotcha”

Today’s credit card offers are invariably enticing. Along with reward points and membership perks, a favorite offer to new applicants is the zero-percent balance transfer – an interest-free period of time in which to pay off a transferred balance from another card with a higher interest rate. The problem with interest-free promotions is that they

Understanding Your Debt Collection Rights: What Debt Collectors Can and Cannot Do

Life has a way of throwing curve-balls when we least expect it. Whether it’s a job loss, a medical emergency, a divorce, etc., these catastrophic life events not only wreak havoc on our physical and emotional welling, but it can often have a drastic affect on our financial lives, causing many to struggle to pay

Mastering the Language of Personal Finance for Future Generations

What if, after high school graduation, you were expected to be fluent in a foreign language? But there’s a catch: Your parents don’t speak the language. You never took a class. None of your friends speak it. Maybe you know a few words like “thank you” and “you’re welcome” but otherwise have no real vocabulary

13 Ways the Law Protects Military Members’ Credit and Finances

Members of the armed forces who are deployed or called to active duty are protected by a law called the Servicemember’s Civil Relief Act, or SCRA. The law is meant to help the servicemember focus attention on the job at hand, protect his or her financial health and relieve some of the stress (often financial)

Know Your Rights: How to Dispute a Credit Card Charge

Not all credit card charges are set in stone. Whether a charge is the result of fraud, bad business or human error, in many cases it’s not only possible to have the charge removed, the process can actually be quite easy. In fact, the initial action is often in favor of the consumer – the

Can You Really Make a Profit off Your Credit Cards?

Some people claim that with careful use and good strategy, an average consumer can earn a consistent profit by using credit cards for their reward programs. What is manufactured spending? Manufactured spending is a term that refers to the practice of using credit cards without actually incurring new charges. For example, using a credit card