title: Identity: This Magbook Will Help You Accept. Appreciate. Achieve
author:  Susan Vernicek 
description: Susan Vernicek always knew she wanted to own her own business she just didn t know it would be an online magazine designed to empower women to Accept. Appreciate. Achieve. A native Jersey girl, from Wharton where she still resides, Susan has always had a creative spirit. After graduating with a fine arts degree with a dual focus in graphic design and photography from Frostburg State University, she spent time in England, including a stint as a bartender at a London pub, and then traveled to France, Dubai, and South Africa. Upon returning home to New Jersey, Susan worked as a graphic artist for a pharmaceutical company. Her experiences in the workplace led her to start Identity, an online magazine for women. Now in its fifth year, Identity celebrates all aspects of a woman s life.
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  ![Paypal-1000x1600-Barnes-and-Noble.jpg](image/Paypal-1000x1600-Barnes-and-
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  Table Of Contents
  
  
  [Dedication](Payback_epub_12-10-18-3.xhtml#_idTextAnchor000)
  
  
  [Acknowledgements](Payback_epub_12-10-18-4.xhtml#_idTextAnchor001)
  
  
  [Prologue](Payback_epub_12-10-18-5.xhtml#_idTextAnchor002)
  
  
  [Chapter 1](Payback_epub_12-10-18-6.xhtml#_idTextAnchor003)
  
  
  [Chapter 2](Payback_epub_12-10-18-7.xhtml#_idTextAnchor004)
  
  
  [Chapter 3](Payback_epub_12-10-18-8.xhtml#_idTextAnchor005)
  
  
  [Chapter 4](Payback_epub_12-10-18-9.xhtml#_idTextAnchor006)
  
  
  [Chapter 5](Payback_epub_12-10-18-10.xhtml#_idTextAnchor007)
  
  
  [Chapter 6](Payback_epub_12-10-18-11.xhtml#_idTextAnchor008)
  
  
  [Chapter 7](Payback_epub_12-10-18-12.xhtml#_idTextAnchor009)
  
  
  [Chapter 8](Payback_epub_12-10-18-13.xhtml#_idTextAnchor010)
  
  
  [Chapter 9](Payback_epub_12-10-18-14.xhtml#_idTextAnchor011)
  
  
  [Chapter 10](Payback_epub_12-10-18-15.xhtml#_idTextAnchor012)
  
  
  [Chapter 11](Payback_epub_12-10-18-16.xhtml#_idTextAnchor01