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Lefkofsky Talks About the Need for More Empathy

Lefkofsky Talks About the Need for More Empathy People who have success in the realm of business innovation, like Eric Lefkofsky, may ...

Mazuma Review: The EASIEST Way To Manage Your Business Finances


Mazuma Review: The EASIEST Way To Manage Your Business Finances

Three weeks ago was a sad week for entrepreneurs throughout America. It was Wednesday, tax filing day; and many of us had to go through the awful experience of writing a big, fat check to Uncle Sam.
As we, temporarily, leave grim times behind us, I have a confession to make – I’m TERRIBLE at managing my finances.
I do believe, however, that it’s extremely important to be on top of your business (and personal) finances.
In an attempt to improve my finances, I decided to take an accounting class from
As a result, I understand accounting principles better than before.
But here’s the problem – I haven’t done ANYTHING about it.
This has lead me to a realization. If I’m to get on top of my business finances, I need help.
While I do know entrepreneurs who are extremely successful, do their own bookkeeping and accounting, I know that I am not that kind of person.
Working on financial details drain my energy in a way that makes me less productive.

Bookkeeping vs. Accounting

blog-statisticsBefore I continue with this story, I want to make sure you understand the difference between bookkeeping and accounting.
When it comes to managing your business, you need to keep track of your income and expenses.
Bookkeeping deals with keeping a record of every financial transaction that happens in your business. A bookkeeper will also prepare invoices and do payroll (depending on the complexity of the business).
Accounting is more of a high-level process. Accounting takes the work done by a bookkeeper and expands upon it through thepreparation of financial statements, tax returns and often, accountants provide advice on financial matters.
In speaking with a number of entrepreneurs, and considering my “mini-budget” (I’d just left my job and steady income), I learned that it was more important to get an accountant. In the mean time, I would keep track of the daily transactions.
The accountant would then make sure that my bookkeeping was accurate and would also take care of filing taxes, which had become more complicated since leaving my job.

Finding an Accountant

AccountantSo I checked out two accountants and settled on one. I was excited because I was starting to take control of my finances.
I was going to do all of the bookkeeping, partially because of finances, but in part because I wanted a clear perspective of where I stood financially.
It went very well for the first two months (ok, maybe a month and a half), and then it all fell apart. I just wasn’t consistent, and it got very frustrating. My intentions were in the right place, but tracking all of those little details just wasn’t my strong suit.
Also, my accountant wasn’t living up to my expectations, so I decided to leave her in search of a better solution.

The Better Solution

After evaluating a number of online services that take care of bookkeeping and accounting, I stumbled onto Mazuma..
Here’s what they provide:
  • Bookkeeping for your business
  • Unlimited accounting support. If you have accounting questions, they provide answers
  • Preparation of taxes for filing.
They charge $58 for sole proprietor (not officially registered as a business).
If you’re an LLC or Corporation, they charge $98/month. In addition to that, if you’re an official business that also needs someone to handle payroll, you can pay $138/month and receive the above-mentioned services PLUS payroll.
This seemed unreal to me. Even on the high end, $138 is the amount I would pay for just a bookkeeper.
I even tried another online bookkeeping service ( which started at $135. It was great, but I still needed an accountant.
So I decided to give Mazuma a try. They have a 1-month free trial where you get to test out their services to see how it works.

The Process

mazuma-purple-envelope_mailWhen you sign up with Mazuma, they give you two options:
  1. They send you a purple pre-paid postage envelope in the mail and you send them financial statements for the month.
  2. You upload your statements to a file server.
Well, you know which option I went with – the file upload option. I sent them my Bank, Paypal and Stripe statements for December. A few days later, they sent me financial reports, which included my Income Statement, Balance Sheet, and a detailed Account Ledger.
Side note: This was my FIRST TIME having financial reports. I know – I’m that bad.
Since it was the first report they prepared for me, there were some items that weren’t categorized correctly.
They included instructions for me to provide feedback on the report. I asked them to correct categories. All in all, it was a pretty smooth transaction.

The Big T

money-computerYou know what I’m talking about – Taxes. Three weeks ago (April 15th to be exact), I sent a big fat check to the IRS.
While the mailing of the check was a bit painful, the tax preparation process was even more painful.
Since I’m a bit of a procrastinator when it comes to financial matters (just ask my wife), the days leading up to April 15th were a tad stressful, especially since I was in Vegas at the time.
Here’s the beautiful part. Since Mazuma is doing my monthly reports this year (since I’m DEFINITELY keeping the service), they are also handling my tax preparation. They will calculate my estimated quarterly payments and provide all the support I need.
Come April 15th, 2016, there will be no additional sweat pouring from my forehead.

Any downsides?

Remember when I said that I’m really bad when it comes to financial matters? Well, I wasn’t lying.
With Mazuma, they take care of all the bookkeeping AND accounting. All I have to do is send them my statements once/month.
Evidently, I suck at doing that. I’m preparing to send them January, February, and March right now.
You still have to gather your statements and send them in. I guess you can consider that a downside, but maybe it’s more of a personal problem 😉
Bench-LogoSecondly, before signing up with Mazuma, I tried out (as I mentioned earlier). It’s strictly a bookkeeping service.
However, their bookkeeping system is phenomenal. You log into their platform, connect your financial accounts, and your done. They take care of ALL the bookkeeping, and you don’t even have to worry about sending in statements.
You can see all of your reports in your account. It’s pretty much a hands-off process. However, the price starts at $135/month and can climb to $365 and beyond, depending on your income level.
The downside of a service like is that you still have to find an accountant. Mazuma doesn’t have a platform like Bench, but as long as you can get your statements to them, they take care of EVERYTHING else.

In Conclusion

ApproveYou just can’t beat $58/month of quality bookkeeping and accounting. If you’re anything like me and want to make sure that you’re handling your financial matters well, I recommend you check out Mazuma.
It’s less than you would pay elsewhere, and they do what they do very well.
IMPORTANT (for me): When you sign up, be sure to mention my name (Leslie Samuel) in the comments section. That way I get credit for referring you :)

Your Turn

How are you handling your business finances? Do you have a bookkeeper or an accountant? Or are you handling it all yourself? I’m curious. Let me know in the comments below.




215 How To Find And Use Awesome Photos For Your Blog Posts


215 How To Find And Use Awesome Photos For Your Blog Posts

03_09_Using-Photos_PinterestThe internet has come a long way over the years. Initially, it was all text.
Today, it serves as a visual platform. Pictures and videos dominate the time spent online.
If we land on a blog post and encounter text with few images, we re-evaluate our decision to read the article.
When articles are shared on Facebook, they emphasize images because publishers know it will increase the likelihood of someone clicking over to the associated article.
When an image is shared with a link on Twitter, people are more likely to click.
Whether on my blog, in my videos or in any other content I create, I make sure to incorporate visuals, and try to make them as vibrant as possible.
Take home message – Images are important, and if you’re a blogger, you want to use pictures to help hook your audience and convey your message.

Conveying the right message

convey-messageIn considering the types of visuals that will help convey your message, ask yourself the following questions:
  • What emotion are you trying to convey through your content?
  • Who is your ideal target person for that piece of content?
  • What kind of picture will resonate with your ideal target person?
Here are some examples of how you’d use that information:
  • Conveying the emotion of fear: find a picture that encourages your audience to think, “Man, that person is definitely in fear”.
  • Considering your ideal target person: If your ideal target person is a businesswoman, use a picture of a businesswoman in the context of your story.

Size-imageSizing your photos

When formatting photos in your content, be conscious of the size of the images you use in two ways:
  1. If the file size is too large, it will load slowly and slow down your site. This will negatively affect the user experience. We internet folk are impatient and will leave if an image takes too long to load..
  2. If the dimensions are off or inconsistent, it can look messy. It’s a good idea to keep your dimensions relatively consistent in a way that looks good. If your images are too wide, that can make the text look jumbled up. If they’re not wide enough, they won’t have the desired effect on the reader. This can vary from blog to blog, but is a good thing to keep in mind as you add content to your blog.
A great resource for helping with this file size is the WP plugin, which reduces your image file sizes automatically.

Optimizing for Social Media

Social media can significantly help to bring exposure to your blog if you use it right. One thing for sure – having images optimized for social platforms enhances that exposure, especially on sites like Pinterest and Facebook.
You want to make sure that the images you use are appropriate for the different platforms.
Also, if you want to make your images “fancy schmancy”, I would recommend using sites like Picmonkey or Canva to add text.

Optimizing for social shares

When people come to your blog, you want them to engage with your content. What’s even better is if they engage AND share.
But to take full advantage of that social equity, you want to make sure that when the content is shared, it shows up on social media well.
To do that, you can use the WordPress SEO plugin by Yoast. That’s what I use for displaying the right images on Social Media.
A more advanced plugin for optimizing your blog for the social networks is the Facebook Open Graph, Google+ and Twitter Card Tags plugin. Long name but packs a punch.


One common error I see bloggers making is using images they find doing Google image searches. If this is you – STOP IT NOW!
Whenever you use an image on your blog, you need to make sure that you have the legal rights to use that particular image.
This can be accomplished by using Royalty-free images from stock photography sites, public domain images, or creative commons images that are free to use with certain restrictions (explained below).

Where I get my images

I’m often asked where I get my images. Well, ask no more.
My go-to resource for royalty-free images is Dollar Photo Club. This is literally THE BEST source I’ve found.
The reason I LOVE them is because they have high-quality images that are on par with many of the well-known expensive stock photography sites. Each high-resolution image costs $1.
On other sites, you can easily pay 5 to 10 times as much.

Other Sources I Recommend

Wikimedia Commons

Wikimedia Commons – this is a great place to find public domain and creative commons images. With public domain images, you are free to use them as your own with no restrictions.
With Creative Commons licenses, you are free to use images in specific ways, depending on the license. Some licenses allow you to use pictures for non-commercial purposes. Others specify that you are free to use them for any purpose as long as you credit the source.
You can find out more about Creative Commons licenses here.
The reason I’ve used Wikimedia Commons extensively is not just because it’s free -which is AWESOMESAUCE- but you can actually find some amazing photos and illustrations there, especially science related images.
Many of the illustrations are in “.SVG” format, which allows you to actually go in and edit components of the illustration. That was EXTREMELY useful for my biology blog.

Taking your own pictures

If you have a decent quality camera (like a nice DSLR), don’t underestimate the power of taking your own pictures.
If you’re blogging about something like recipes, fitness, DIY or anything else along those lines, using your own pictures can really add a personal touch to your content.
Not only that, but it’s FREE (once you invest in decent equipment).
Here are some examples of blogs who do a great job with this:
  • Hoosier Homemade – A site that shares lots of yummy recipes, decorating ideas and lots of cupcakes! Don’t visit this site unless you’re prepared for a mouth-watering experience…
  • Thrift Diving – Serena hits up thrift stores and does some awesome projects taking things that were blah and making them rah (that should be her new tagline!).
  • House Of Rose – Mandy takes photos of her house and family to use on her blog and social media. They’re so perfect they make you sick (in a good way). Wait, I don’t know if that made sense, but you get the point.

Go Forth and Beautify

Whether you’re a new blogger wanting to get started or an experienced blogger trying to take the look of your content to the next level, pictures can help you do this.
Whether you take your own pictures, use royalty-free, public domain or creative commons images, the sky is the limit. So go forth and beautify.



 Your Turn

What image sources do you use? Feel free to share them in the comments below.


Some people just love being able to read along with interviews, or they might just prefer to skip the audio completely and just read through the transcript. Hey, if that’s what floats your boat, it is all good. Here’s the transcript just for you :)

216 How To Get Your Spouse On Board With Your Blogging Business


216 How To Get Your Spouse On Board With Your Blogging Business

216_Spouse-on-Board_PinterestEntrepreneurs are crazy people. Think about it.
From the time we are born and initiated into society, the average person is indoctrinated with the idea that to live the “good life”, you need to go to school, get good grades, get a good job and work your way to the top.
Along with that good job come a number of things that are generally important to the average person.
Things like a stable and predictable income, health insurance and maybe even a retirement account give us a sense of security.
Also, if we work for an established institution, we can be relatively confident that it’ll be around for a while.
Then there are entrepreneurs. People who decide to go against the norm, venture out on their own – often with no real sense of security.
Entrepreneurs are the risk takers, and in some cases, they are successful.
However, the reality is that most businesses fail in the first 18 months.
Yes, it’s true. If you’re going into business for yourself, you will most likely fail. And I know that isn’t exactly what you want to hear, but it’s the truth.

Breaking the News to Your Spouse

Let’s say you’ve decided to start a blog and want to use it to build a business. You’ve come up with a great idea for a niche and are ready to go.
Dollarphotoclub_39603657You have the conversation with your spouse and let them know that you’re leaving your job to start an awesome blog.
You might even use a phrase like – “If Leslie did it, so can I.”
While even Leslie believes that, let’s think about what you’re actually telling your spouse. This is  what your significant other is hearing when you break the news:
“Honey, I’m so excited about this new opportunity. It’s called journaling. You know – that thing where people share what they had for breakfast.
Yep, that’s the one. Well, I’m gonna do that and people are going to pay me. I’ve decided to leave the security of my job, because The Man is just holding me down.
We don’t need predictable income, health insurance, or a retirement account. We’ll be fine on our own.
Oh, one more thing – I’m most likely going to fail at this.
Oh, and I love you.”
How’s that for a romantic conversation? Ooo baby!
I say that as a joke, but there’s truth to it. If your spouse has the typical mindset (and I don’t say that in a negative way), that’s what leaving a job to start a blog sounds like.
However, there’s hope AND a better approach.

The Principle

In order to get your spouse to not only buy in, but support your new journey, there are a few things you need to keep in mind:
  1. If you have a family, your primary responsibility is to them, not to your new (and potentially awesome) idea.
  2. Building a business with a blog is still a relatively new concept – one that takes a little while for people to grasp – if the idea is new to them.
  3. 1618530_10152877068196897_8331697249680643718_nEveryone’s tolerance for risk is not the same. You need to understand your spouse’s risk tolerance before taking a leap.
  4. As a married person, when you invest your time and money, you are investing resources that belong to your family. Make sure you invest wisely.

My Journey

If you were to ask me at the beginning of my marriage if I thought my wife would ever be okay with my leaving a secure job, I would have asked you if you were crazy.
When I started my business, I invested $3 and turned it into $70. Everything that happened since then is the result of that $3 investment.
The first time my wife really saw a substantial return was when she came home on her birthday in 2008 and saw a new living room set waiting for her.
Since then, we’ve been able to pay more bills, travel and do other things that would not have been possible if I weren’t blogging.
I worked my business consistently and it grew to the point where it became obvious that this was something to be taken seriously.
Today I’m a full-time blogger/entrepreneur and my wife is 100% on board with what I’m doing. In fact, once she saw the progress I’d made, she told me that it was a good idea for me to leave my VERY secure job as a university professor.
When she told me that, I immediately quit my job (in my mind – :) ).
I spoke to my boss the next day and let her know that I’d be leaving at the end of the school year.
In summary – I won her over and she was ultimately able to see the potential and felt confident that I could leave my job and we’d be ok.

How to bring YOUR spouse on board

Now that we’ve established the principles, let’s talk about how to actually bring your spouse on board, especially if your spouse is not the kind to say – “Woohooo, let’s quit our jobs and become entrepreneurs.”

StartSmallStart small.

I started my online business with a $3 investment, and while I’m not saying that you should be doing the same, I would definitely caution against risking more than your family can comfortably part with.

Explain the process.

Many of us go into business and our spouses are clueless about our ideas or plans. While I’m not saying that your spouse should understand EVERY detail, keeping her relatively informed is a good way to address some of the concerns that may arise.

Work smart and do it consistently.

The quickest way to build a successful business is to invest your all into it. However, the fact of the matter is that if you have a family it’s impossible to invest 100% of your time on your business and be there for your family in significant ways, – at least that’s what I’ve found. So, I recommend that you find ways to work smarter and consistently.
Family-and-businessFor me, this meant getting help and hiring a V.A. It meant focusing on building an email list. It also meant investing in training with people who had done what I was trying to accomplish and taking action on what they taught. I didn’t have time to figure everything out on my own. And once I figured out what worked, I did it over and over and over . . .

Stick to a schedule.

One of the most difficult things to deal with, especially when running an online business, is that you can literally work around the clock if you let yourself go. It’s easy to become engrossed in what you’re doing and forget everything else.
When you’re a bachelor, this MIGHT be possible. However, when you’re married, that ain’t gonna cut it. My recommendation, come up with a schedule and stick to it. Decide with your spouse how much time you will be spending on your business.
Agree, and then make it happen. When it’s family time, let that time be about family and not business.

Let spouses help in their own way.

My wife isn’t into online businesses much. However, she is into fashion. A few months ago, I had to speak at a conference and wanted new clothes to kinda spruce up my look.
Spouses-paying-billsI asked my wife to be my stylist for the event. I told her she had free reign to make me look however she wanted me to look. She was excited and took the task seriously. Of course, the first place she went was Pinterest.
We then went to The Men’s Warehouse and spent too much money (in my opinion). However, she came alive, and played an active part in one aspect of my business. She loved it, and I was complimented on my threads. Win-win situation.

Share your heart.

Most of us go into business for more than just money. For me, it’s about helping others, inspiring people to build something bigger than themselves.
For me it’s also about living a life of Faith and letting that shine through everything I do so that others will become curious about what makes me think the way I do. My hope is for others to want more and find more.
By sharing your purpose and motivations with your spouse, you allow them to see that your idea is more than just a business, you’re getting him to see your mission, and it may well be the thing that wins your spouse over. This definitely worked for me.

Take action and get results.

time-for-actionIt’s hard to argue with results. When I bought my wife the living room set, that was somewhat of a turning point. The results of my online business were tangible.
The more I took action and achieved results, the more she believed that my dream was possible. If you want to prove to your spouse that your business will work, make it work and show him results.

Don’t force the process.

Changing someone’s mindset is not easy. You may be battling against a mindset that has been developed over decades. Respect that process.
Remember, you married this person and agreed to take him as he was, entrepreneur or not. Understand that this will be a process and be willing to make compromises.
Respect the time it will take your spouse to be fully on board, and remember that becoming an entrepreneur does not occur overnight. For me, leaving my job to become a full time entrepreneur was a process that took 7 years, because 6 years wasn’t enough :)

Your Family Business

Here’s the truth – the business that you’re building is not just about you. It’s about your family, and in that way, it’s a family business. Let’s take it further, your family IS your business.
Leslie's-Inspirations---FamilyBuilding a family isn’t an easy process, and neither is building a business. It’s a journey. Fortunately, it’s not something you HAVE TO do on your own and even if that how it feels sometimes, I believe that the ideas shared
above can really help you bridge that gap and help you move forward together.
The encouragement I get from my wife, helps me build the business; The inspiration I get from my son, helps me build the business.
The fact that we need to pay the bills, and do that thing they call eating, help us prioritize what needs to be done to build the business.
My family is my business and my business is for my family, so in order for me to be as effective as possible, I want to be on the same page with my spouse.
I encourage you to remember, if your spouse isn’t there yet, it doesn’t mean that they will never be there.


Your Question

Are there things you do or have done to help  your spouse be on board with what you are doing in your business? Share them below; I’m always looking for ways to grow and I’m sure your thoughts will help others, including me.


Some people just love being able to read along with interviews, or they might just prefer to skip the audio completely and just read through the transcript. Hey, if that’s what floats your boat, it is all good. Here’s the transcript just for you :)

Paypal vs. Gumroad vs. Stripe – The Battle of The Payment Processors


Paypal vs. Gumroad vs. Stripe – The Battle of The Payment Processors

 05_25_Payment-Processors_PinterestIf you’re building an online business where people are paying for products or services, you’re going to need a payment processor.
Nobody is going to show up at your office or home and hand you cash. In fact, many of your customers are probably sitting at home in their jammies making purchases.
There are tons of payment processing services out there and it can be overwhelming to figure out  the best choice for each situation.
I’ve done a lot of research on this topic and have narrowed my findings down to three payment processing solutions; and I use all three for different purposes.
In this article, I’m going to discuss the pros and cons of Paypal,Gumroad and Stripe and explain how each works best for different scenarios.  Let’s do this.


Whether you like them or not, PayPal is the Godfather of payment processing; one of the first to come on the scene. When people think about online payment processing, this is almost ALWAYS an option that is considered, and in most cases, the option that many solopreneurs choose.
PayPal came on the scene as a way to send money via email, and has grown way beyond it’s original purpose.
People were initially drawn to PayPal because you weren’t required to create a merchant account or pay monthly fees. You’d only be charged a fee when someone sent you money, and the fees were pretty nominal.
Today, when someone purchases something from you, you are charged 2.9% of that transaction + $0.30, which is relatively low.
Also, depending on your volume of sales, those fees can go down to 2.2%.
Another plus to PayPal is that purchases can be anonymous. I can purchase something as “Leslie Samuel”, as “That Guy With A Blog” or as, depending on how I set my account.
This anonymity played a big role in PayPal’s growth, especially at a time when people were uncomfortable entering credit card info onto a stranger’s website (understandably so).
It basically gave a layer of protection against fraud that was beneficial for the average consumer.
The main downside I’ve found in PayPal is that they are notorious for placing holds on accounts for various reasons. I’ve had my account placed on hold for about a month. I was able to receive payments but not withdraw payments made to me. As you can imagine, this can be inconvenient when you have bills to pay.
I’ve also had other minor incidents which involved someone filing a dispute on a payment they made. Paypal would place a hold on those transactions and almost always sided with the purchaser, whether or not they were in the right.
All in all, I present Paypal as an option to my customers because it’s still the payment processor of choice for many people; but I absolutely hate using it since I like being in full control of my business.
Because I don’t fully trust PayPal, I try not to keep a lot of money in there. At the end of the day, if I have more than $500 in my account, I withdraw and deposit the money in my bank account – just to be on the safe side.


This is a serviceI started using when I began selling a Physiology Study Guide on my Biology Blog. Like PayPal, Gumroad doesn’t charge a monthly fee, but their processing fee is higher than PayPal’s.
Their fee is 5% + $0.25. However, the reason they charge more is because they do much more. PayPal only accept payments. You have to have a different system, or create a system for delivering the goods.
With Gumroad, you upload your product (in my case, an eBook) to Gumroad, set your price, connect it to your bank account and that’s it!
They will accept the payment for you and deliver the digital product to your customers. Two days later, that money is direct-deposited into your bank account. Your involvement in the process is absolutely zero after the initial setup.
The key here is ease of use. I started using them because I didn’t want to think about the potential issues that arise when setting up a shopping cart and using self-hosted solutions for delivering products.
Since setting up my eBook on Gumroad, I haven’t done anything but see payments come in. It’s just that simple. You set it and forget it. You’re only involvement occurs if a customer is having a specific problem or question and they need direct contact with a real human :)
If you have a simple digital product, like an eBook, that you want to sell, this is  the route I recommend.


As stated in their “about” page, “Stripe is a developer-friendly way to accept payments online and through mobile apps”.
That’s exactly what they are. If you want to accept payments directly on your website, you’d typically set up a merchant account. This is a special type of bank account that allows you to accept online payments.
You also need a Payment Gateway – a kind of e-commerce service that does the payment authorization. These two services work together making it possible for you to take payments on your website (without having to resort to a service like Paypal).
There’s usually an application and setup process to get everything working together correctly.
I did this once. I used and some other services that came along with it and was so confused with the instructions and fees that I decided to run away – tail tucked between my legs.
Then I heard about Stripe and fell in love. The fee structure is similar to Paypal – 2.9% + $0.30. Also, the setup process is pretty easy. However, you do need some kind of shopping cart system that integrates with Stripe.
Fortunately, most of the good shopping cart systems integrate with Stripe. I use Amember to manage my membership site and accept payment; and since Amember integrates with Stripe, this combination has become my payment solution of choice.
Combining Amember with Stripe does require a SSL certificate on your server and that usually comes with an additional annual cost determined by your hosting provider. So if you decide to go this route, make sure to look into SSL certificates. This means people will feel safe entering their credit card information on to your website.
One of the additional reasons why I’ve decided to go with Stripe is because it integrates with services like Hookfeed, a program which gives you  all kinds of awesome customer insights like the lifetime value of each customer and Intercom, a service I  use to increase engagement inside my member areas.

Your Payment Processor

These are the three payment processors I use and the reasons why I use them. They all serve slightly different purposes but have similar results –  getting paid.
What about you? What’s your payment processor of choice and why do you use them? Let me know in the comments area below.



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