After moving to Discovery Bay from Alameda in 1991, Vermillion and her husband Doug settled into their new neighborhood, but the commute to work every day became too much.

"In 1994, we struck a deal that I could resign from my high-powered banking job to pursue my love of writing with the goal of getting published. At that point, all I had was an ability to write without a clue about the industry itself," she said.

Looking for a way to learn the craft, Vermillion joined the Romance Writers of America, a national organization of writers with local chapters whose members get together and support each other in their writing goals. The group also offers seminars, workshops and regular monthly speakers meetings to help people learn their craft.

"The members of the chapter, many of whom are multi-published, were a gold mine of information and very willing to share," she said. "I wrote volumes, I got an agent, she peddled my wares to no avail and then dropped off the map."

While Vermillion continued to write and submit her work, she received several rejections, but still didn't want to quit doing what she loved. It wasn't long before she decided to take a job at a local bank and go back to work, but she never stopped writing.

Several years later it was time to retire, but Vermillion kept up her writing. She continued to attend her writers' group meetings and learned that the idea of self-publishing was gaining popularity. She decided to give