SUSAN HEMPHILL holds a BS degree in Telecommunications and Film from San Diego State University. She has written for the Contra Costa Times and has worked in both corporate and syndicated television and radio as a producer, writer, reporter and on-air personality.  She has been featured in Time Magazine, Business Week, and Family Circle in addition to frequently appearing in the business sections of San Francisco Bay Area newspapers. Born and raised in the San Francisco Bay Area, she divides her time between San Francisco and Livingston, Montana. This is her debut.