Niki Payne is a talented and prolific writer with an eclectic array of experience writing for newspapers, magazines and the Web. After receiving her B.A. in Journalism from CSULB in 2008, Niki decided to leave a career in retail banking behind to pursue a career in Web publishing and digital marketing. She now works as a professional ghost blogger and SEO specialist for small businesses and entrepreneurs. She's a born and raised twenty-something SoCal woman with wisdom beyond her years (or so she's told) and dating ideologies you won't always agree with. Oh, and she's writing her first book, scheduled to be released yesterday. You can ask her about it when you visit her website at www.nikipayne.com.