Saturday, August 20, 2016

5 Ways Entrepreneurs Can Protect Themselves from Fraud

Fraud! The one thing that people take for granted until it happens to them.

By then it's too late.

You can be a victim of many kinds of fraudulent activities. But they all stem from two things... there's one after your money and another after your identity.

I'm going to show you 5 quick and easy ways to make you less susceptible to fraud.

Use Secure Online Payment Methods


As an entrepreneur you'll most likely pay suppliers, freelancers and a ton of other people. The problem usually comes from people who ask you to pay before they do the work. You never know if they'll deliver or not.

But one way to protect yourself is by paying through a trusted platform and avoid paying through unsecure platforms.

Trusted platforms include PayPal, AliPay, Payoneer and Amazon Payments.

Unsecure platforms include direct bank transfer, Western Union and any other payment method that doesn't have a group of people monitoring payments. What makes these unsecure isn't because of any technical faults... but it's the fact that these methods of payments should be used for family and friends only.

So make sure you use the right platforms for business. Don't pay a business partner like you'd pay a friend.

Shred or Wash All Documents You Don't Need


Bills, invoices, bank statements and anything with your personal or business details shouldn't be thrown in the trash. They must be destroyed first.

Two ways to destroy documents is by shredding them with a shredder or mixing them in a chlorine and water solution until all the ink is washed off. The second method being the most secure.

Don't let any piece of personal or business data lying in your trash. Fraudsters will happily go through your trashcan just to steal your data. Make them regret it.

Invest in an Antivirus Software


Keyloggers can read every keystroke you make on your keyboard. The way to make sure they don't come in the first place is to have a powerful antivirus software such as McAfees, Norton and Kaspersky etc.

An antivirus will also protect you from untrustworthy websites, download and fake login pages. That's why there's no such thing as an expensive antivirus software. There's only safe or sorry. Here are some great tools.

Track Your Smartphone


Your phone isn't a phone anymore. It's your email, your gallery, your recordings, documents and personal notes. It's got everything a fraudster needs to steal your identity and wealth.

Not only are you in danger when your smartphone is stolen but your contacts as well. The thief can call your contacts and get all their information.

Whether you've got an android phone or an iPhone you need to download a tracking app to find your phone as soon as it's lost or stolen. Here are more great ways to avoid identity fraud.

Don't Access Any Accounts on Public Wi-Fi


Public Wi-Fi is easy to hack. In fact, opening your email and bank accounts on public Wi-Fi is like standing in front of a crowd of people and showing everyone your username and password... well for hackers at least.

That's why you must limit your usage of public Wi-Fi and only use it for stuff like games, chatting and other things that don't require you to log into an account. If you really need to access your personal accounts on public Wi-Fi then make sure you set up a Virtual Private Network (VPN) which makes it harder for hackers to steal your information.

It's easy to set up a VPN. Here's a tutorial for Windows 10 users.


Friday, August 19, 2016

Starbucks: Changing the World One Barista at a Time

"Our role as leaders is to celebrate the human connection that we have been able to create as a company, and to make sure people realize the deep level of respect we have for the work they do and how they act. That is the legacy of the company. It's not to get bigger or to make more money."

--Howard Schultz, CEO Starbucks

I met Ashley Peterson, a barista at my local Starbucks, over six years ago during my morning ritual--stopping in for a grande extra hot soy latte on my way to taking my three kids to school, and myself to work. Ashley's big, totally genuine smile was truly comforting in the midst of my morning wrangle. And she looked like she meant it when she looked us in the eyes and said, "Good morning. How is everyone today?"

It wasn't long before Ashley learned all of our names, our favorite drinks and breakfast items. One Fall, my daughter Caroline developed a taste (read: obsession) for Starbucks' pumpkin scones, and then was crushed when Ashley explained that they disappear after Halloween. On our next visit, Ashley handed Caroline a bag with a gingerbread cookie in it, thinking that since she loves pumpkin, she might like this, too. In other words, Ashley just gets it; customer service is second nature to her. Not surprisingly, she was recently promoted and moved to a different Starbucks further uptown. Manhattanites all up and down Broadway have changed their morning migration patterns to get their morning fix from her.

Which is to say, when I began researching companies that are dedicated to creating a human workplace, I immediately thought of Starbucks, i.e. Ashley.

I recently sat down with her to learn more about how she works her magic. And she shared with me three sage bits of advice: Focus on Interactions, not Transactions; Love it, or Let me Know; and Provide Feedback. It Makes People Feel Human. The ideas are a combination of her own smarts, and Starbucks', but the words are hers.

Focus on Interactions, Not Transactions

One of Starbucks' values is treating our customers like family. They want us to get to know them, interact with them, and to connect with them. While we get training on different customer service scenarios, no one can really teach you how to connect...that has to be something that you want to do. I do it because of the atmosphere, because of the neighborhood. I see the kids grow up. One minute the mom is pregnant, and the next year the kid is walking into the store. As a customer, I wouldn't come into a place where I didn't feel welcome or where the people were not trying to get to know me. I love what I do and everyone that works for Starbucks loves what they do. It's a business that's so -- it's different than any other business. We want to actually connect with our customers, we want to better the experience.

Love It or Let me Know

At Starbucks, we are empowered to make the customer experience the best we can. We can say, "Listen, love it or let me know. What can I do to fix it?" I want to teach the baristas around me that customer service is the most important part of our business. Without the customers, we wouldn't be in business. So I really want them to take that seriously. And if that means going above and beyond for the customers, then that's what I want [them] to do. I want everybody that comes into Starbucks to leave happy. I don't want anyone to leave unsatisfied; I don't want anyone to leave upset. I don't want anyone to leave with the thought in their head that they're not coming back.

Provide Feedback: It Makes People Feel Human

I always want to make sure that the baristas feel appreciated, so I always recognize them. To do that, we have green apron cards, where we just write a little note, and let them know what it is that they're doing well. Starbucks wants everyone -- baristas, shifts, assistants or store managers to feel appreciated. You don't have to be a store manager to write these things; baristas write them to each other. So you don't have to be in a certain position to write these things.

In case I haven't been clear, I think the world of this young woman. And so when I heard that Howard Schultz and his wife Sherry were going to be awarded a Public Leadership Award from the Aspen Institute, where I just happened to be for the summer, I made it my business to attend. After Howard and Sherry's inspiring talk on values-based leadership, I was able to hand-deliver this note from Ashley.

Hi Howard,

My name is Ashley Peterson and I've been a partner for 6 years. I recently got a promotion to become a store manager, which I'm really excited about. When I first started at Starbucks, it was just a job for me. Before my Starbucks career, I was on my way to college, but life happened. I was expecting a child, my daughter Mckenzie, who is now five years old. Within a year of being at 81st & Broadway, I knew that Starbucks was for me. With so much I can write, I just want to thank you. Thank you for sharing such a great company with me. Thank you for allowing me to provide for my child. Thank you for the opportunity to work for Starbucks. I will continue to inspire and nurture the human spirit, one person, one cup, one neighborhood at a time.

Ashley Peterson

Here I am, giving Howard Schultz Ashley's letter.

Some of us might feel funny expressing such gratitude to the CEO of a multinational corporation as mighty as Starbucks. But not Ashley, whose first job in the food industry was as a manager at White Castle when she was I5. This girl knows how to work. And Howard Schultz does, too. And he knows how to make the workplace a place for humans like Ashley to thrive. In his words, "We are living in a society where there is a need for human connection and a sense of community. And what we do every day is bring people together."

Me at my local Starbucks in Aspen.

I would be lying if I said I don't miss Ashley since her move uptown. Or that I don't feel a little sad each time I walk by her old store and don't see her beaming smile in the window. But I know this an amazing opportunity for Ashley and for the company. She is excited to use her skills and experience to build a strong culture within her new store. And we will all reap the benefits of the work she'll do, spreading the Starbucks gospel, helping other baristas bring their human to work.


Thursday, August 18, 2016

Built On Belief, Bettered By B Corp

Earth Odyssey
My life changed in 1999 when I read Mark Hertsgaard’s book, Earth Odyssey: Around the World in Search of Our Environmental Future. At the time, I was managing strategic marketing for a tech media provider. While the work was intellectually challenging, something was missing. My time at work (which was significant) was not addressing what I saw as the fundamental challenge for my generation: how to meaningfully address climate change. That is why I made the career shift into renewable energy.

Dan Kalafatas and I founded 3Degrees in 2007 with a simple mission: to connect people with cleaner energy on a massive scale. Whether it is engaging with a homeowner about community solar options or helping Fortune 500 companies implement their renewable energy strategies, our goal is to accelerate the transition to a low-carbon economy.

Perhaps just as important, though, we sought to establish 3Degrees as a company centered around values based on two fundamental notions. First, we believed then (as we still do now) that many people in this country are willing to direct their money and time to support renewable energy programs. Second, we believed we could hold ourselves to a higher standard in how we built and operated the business, including creating prosperity for all of our stakeholders — our employees, the community and the environment.

Moments that Matter: Impact Investing
As Mark Twain said, "Tough times teach trust." The character-revealing moment for 3Degrees occurred in 2011 when we found ourselves in a challenging financial situation. We were seeking our first outside investor at a time when no one was investing in renewable energy. Solyndra had failed. The fundamentals of the renewable energy industry were being pressured by low energy prices and policy uncertainty.

It was a tremendous relief when we met ARB (the Halloran Family Office investing company). To make the risk/reward proposition of the proposed investment in 3Degrees better for ARB, however, we needed to convert debt to company equity. Dan and I talked through what this restructuring and re-commitment would mean for the company. We agreed that if we moved forward, we wanted to officially make our company a Certified B Corporation to ensure we had the legal protection to balance shareholder and non-shareholder interests when making decisions. Now, all we had to do was convince ARB this was a good move.

While ARB had made it clear that they were interested in us because of our renewable energy industry focus, culture, and values, we were anxious about how they might respond to our plan to become a Certified B Corporation. We had no idea that Harry R. Halloran, Jr., CEO of ARB and founder of Halloran Philanthropies, was also a founding sponsor of B Lab, a nonprofit organization that serves a global movement to redefine success in business by building a community of Certified B Corporations. Harry was thrilled by our plans. We high fived, and ARB moved forward with its investment in 3Degrees.

Walking the Talk
In August 2012, 3Degrees officially became a Certified B Corporation in California. What does this mean in practice? Every year, we publish a B Corp Impact Report which takes stock of the public benefits we create beyond shareholder value. We participate in B Lab’s Impact Assessment, a biannual, independent evaluation of our social impact that helps us to focus on what we can do next and how can we do it better.

We match 100 percent of the firm's electricity usage with renewable energy certificates as well as offset emissions from employees’ transportation. While those actions may be easier for us given the work we do, we also continually seek opportunities where we can live our values. Case in point: 3Degrees provides socially and environmentally-focused 401(k) investment opportunities to eligible employees; supports up to eight hours of paid volunteer time with an environmentally-oriented organization; and gives preference to local, sustainable and fair-trade suppliers.

Why do we do all of this? We do it because we think it is the right thing to do, but also because in the long term, we think it is good business and reinforces our corporate strategy.

Join Us
When I was asked to write this blog, I, in turn, asked Harry to reflect on what stood out to him when ARB decided to invest in 3Degrees and how we have met his expectations. Harry shared, “In making our investment decision, we saw that you and Dan, as founders of 3Degrees, clearly articulated and modeled the company’s values on a daily basis in big and small ways. So, it is not surprising that 3Degrees is a success on many levels — certainly as an investment, however importantly, also as a model of what is possible when a clear vision, a good business model, and respect for all partners align.”

Today, 3Degrees is one of nearly 1,800 B Lab Certified B Corps in the United States. If our own experience can offer any insight to others, it is that leading by your values just makes good business sense over the long term — in good and challenging times.

The B Corp Life is a new blog series geared towards exploring what it’s like to work at a benefit corporation. Why do b corps matter, and what does the future hold for them? Let us know at PurposePlusProfit@huffingtonpost.com or by tweeting with #TheBCorpLife.


Wednesday, August 17, 2016

Who's Responsible For What Happens To Your Broken iPhone? Some Say Apple.

The tech giants that manufacture mobile phones should provide the means for consumers to recycle old devices, according to a survey released Monday of about 6,000 people in six countries.

The research, conducted by independent polling service Ipsos MORI on behalf of Greenpeace’s East Asia branch, polled adults in China, South Korea, Germany, Mexico, Russia and the United States. Nearly half of respondents overall agreed that it’s up to companies ― as opposed to the government or network providers, for example ― to help consumers recycle their devices. Many manufacturers, like Apple, do give consumers those means. But their practices aren’t perfect.

More than half of respondents also said companies are releasing new phone models too quickly. Environmental groups argue that the constant stream of upgrades encourages people to buy a new device instead of repairing their existing ones. As a result, tossed-out iPhones and Androids make up much of the 3 million metric tons of hazardous electronic waste generated each year, according to a 2014 study by the United Nations.

“The humble smartphone puts enormous strain on our environment from the moment they are produced ― often with hazardous chemicals ― to the moment they are disposed of in huge e-waste sites,” Chih An Lee, a campaigner at Greenpeace East Asia, said in a statement. “Over half of respondents across the countries surveyed agree that manufacturers are releasing too many new models, many designed to only last a few years.”

Issues with recycling modern electronics aren’t new: Tech companies across the board appear to be focusing on smaller, slimmer products over recyclability, as The Huffington Post reported in June.

For example, many of Apple’s designs for iPads, MacBooks and iPhones make it hard ― and even impossible ― to repair them or recycle them safely. The company has been fighting a secret war in the courts over legislation that would force it to hand over schematics and instructions ― and, much to Apple’s chagrin, proprietary information ― to recyclers.

And while Apple offers refurbished models of its products and has a recycling process in place, the company has long been against third-party repair shops. There’s also little way of knowing whether your iProduct is being recycled responsibly in the first place.

Apple didn’t return a request for comment, but the company has maintained its dedication to recycling programs. It told HuffPost this year that it helps recycle millions of pounds of electronics equipment every year. Samsung, the world’s biggest smartphone manufacturer, also did not respond to a request for comment.

The inability of the average consumer to recycle or repair their devices in the way they want, along with an ever-increasing frequency of new products, helps create a consumer base that’s more likely to buy a new item than go through the process of recycling. But surveyed consumers seem keen on that option.

Greenpeace’s answer to the problem is the same one HuffPost has reported on for months: We need products with a design that allows for recycling in the first place.

“The new product design,” the Greenpeace report concludes, “should take recycling into consideration from the beginning of the production phase, using the recycled materials instead of virgin materials, and making the products easier to be dismantled at the end.”


Tuesday, August 16, 2016

8 Ways To Get People To Take You More Seriously

Do you ever feel like nobody takes you seriously at work? If so, you're not alone. More than 50% of people don't feel respected at work, according to a global survey of more than 20,000 employees by the Harvard Business Review.

Maybe colleagues ignore your input in meetings. Perhaps they interrupt you or don't include you in important decisions. It's easy to blame that on a bad boss or a toxic work environment. In some cases, that's even true. But if you really want to be taken more seriously at work, you should start by looking in the mirror and doing what you can to increase your influence.

If you want to know how you come across to others, you can learn a lot by taking an emotional intelligence test. Other than that, there are eight things you can do right now to increase your credibility, get people to take you more seriously, and ensure you get treated with the respect you deserve.

1. Don't let your statements sound like questions. One of the most common things people do to undermine their credibility is end their sentences on a higher inflection than where they started. It's called "upspeak," and our brains are trained to interpret that pattern as a question. So instead of delivering information, you end up sounding like you're asking if your own input is correct.

2. Don't just give reports -- tell stories. The most successful TED talks follow a magic formula -- they are 75% stories and 25% data backing up those stories. Stories provide an emotional hook that helps people remember what you said, and they give you a platform for connecting your knowledge to the real world. There's a huge difference between memorizing mathematical formulas, for example, and being able to use them to calculate whether a particularly dangerous asteroid is going to hit us in our lifetime. Stories help people take you seriously because they demonstrate that you can apply what you know.

3. Encourage people to talk about themselves. When you first started dating, your mom probably encouraged you to get your dates to talk about themselves. Sure, it's good manners -- and we all know that everybody likes to talk about themselves. But it turns out that there's a scientific basis for this. Your brain rewards you for self-disclosure. In fact, talking about yourself feels so good that it causes neurological changes in the brain. So if you want people to pay attention to what you have to say, let them talk about themselves first. Once those "feel-good" neurotransmitters are flowing and people start feeling connected to you, they're much more likely to take you and your contributions seriously.

4. Do your homework. One of the best ways to get people to take you seriously is to be prepared and know what you're talking about. Americans attend 11 million meetings every day, and unproductive meetings cost the US economy $37 billion every year. Why are there so many unproductive meetings? Because people are unprepared. Don't be one of them. Whether it's a team meeting or briefing your boss, always take the time to prepare. Know what you want to say, be able to back up your opinions with data, and be prepared to answer questions two or three levels down.

5. Stay informed. If you look at the employee handbook for tech company Valve, it says that it looks for "T-shaped" employees: people who have a lot of broad knowledge layered on top of their primary area of expertise. Do whatever it takes to keep up with what's going on in the world. It's particularly important to stay abreast of trends in science and technology, especially as they relate to business. You don't want to look like a deer in the headlights when somebody starts talking about how the Internet of Things is going to transform manufacturing.

6. Dress for success. Fair or not, we judge people on their appearances every single day. And it happens so fast -- in about a tenth of a millisecond, according to researchers at Princeton -- that we don't even realize we're doing it. We make inferences about a person's character and capabilities based on appearance. If your appearance is sloppy, for example, people are likely to subconsciously conclude that your work will be sloppy too. Looking polished and well-groomed, on the other hand, creates the impression of responsibility and competence. That doesn't mean you have to rush out and blow your budget on a designer wardrobe. But it does mean that you should show enough respect for yourself and for your colleagues to make a substantial effort.

7. Strike a power pose. If you assume an expansive pose -- taking up more room by keeping your shoulders open and your arms wide -- other people see you as more powerful. This is a hard-wired human characteristic, as people who have been blind since birth throw their arms out in victory, even though they've never seen someone do this. Moreover, power poses actually change our body chemistry. Researchers at Harvard found that after participants held a power pose for just two minutes, their levels of testosterone rose by 20% and their cortisol (the stress hormone) levels dropped. Power poses are a win-win: they make other people see you as more powerful, and they actually make you feel more powerful.

8. Be confident but not too confident. No one is going to have confidence in you until you have confidence in yourself. But you have to balance that confidence with a little humility. Truly confident people aren't afraid to admit that they don't know everything -- it doesn't make them feel threatened at all. In fact, the most confident people are eager to ask questions and learn. The best way to show your confidence is to own what you know and what you don't.

Bringing It All Together

If you feel like you don't get the respect you deserve at work, nobody can change that but you. Sometimes people don't take you seriously because of little things that you don't even realize you're doing. And that's something you can fix.

What do people do that makes it hard to take them seriously? Please share your thoughts in the comments section below, as I learn just as much from you as you do from me.


Monday, August 15, 2016

Why Actively Promoting Happiness At Work May Not Be The Best Idea

Should we be actively promoting happiness in the workplace? My immediate thoughts are: “Happy workers are more productive workers.” Consequently, promoting happiness seems like a no-brainer, right?

After all, there are studies that provide strong evidence for this. For instance, Economists at Warwick University found that happiness led to a spark in productivity by 12 percent. Another study mentions several benefits: increased employee retention, improved customer satisfaction, and a higher likelihood that employees will engage in citizenship behavior.

Much of the research then is in favor of actively promoting happiness, not only for improved productivity but for a host of other benefits. And this is why it has gained much prominence among organizations:

“... happiness as a way to boost productivity seems to have gained increased traction in corporate circles as of late.”-Andrew Spicer and Carl Cederström, Harvard Business Review

As a result, Google (and other large organizations) has invested more in employee support and job satisfaction has risen by 37 percent. Companies now have happiness coaches, they engage in team building exercises and Google even has a Chief Happiness Officer.

However, there is a growing body of research which provides contradictory evidence, emphasizing the downside of doing so. This is highlighted by Spicer and Cederström who mention that “we also discovered alternate findings, which indicate that some of the taken for granted wisdom about what happiness can achieve in the workplace are mere myths”. Let’s have a look at the alternative findings.

Happiness doesn’t always lead to increased productivity

There are several studies that contradict the notion that happiness leads to increased productivity, with one study on British Supermarkets even suggesting a negative correlation between the two: Companies with higher profits had unhappy employees. And even for studies in support of this, a fairly weak correlation exists.

The paradoxical effects of valuing happiness

A psychological experiment highlights the paradoxical effects of actually valuing happiness or rephrased: by focusing on happiness, we actually become unhappy.

In the study, subjects were asked to watch a film that would make them happy. Before watching the film, one half were required to read a statement about the importance of happiness. The results were that they demonstrated lower levels of happiness after the film. But why?

In the modern world, we seem to focus on happiness as a moral obligation. The pursuit thereof has become a duty and failing to complete this duty makes us even more unhappy. According to the French Philosopher, Pascal Bruckner, we would be happier, if we just simply abandoned this mad pursuit of happiness:

“By the duty to be happy, I thus refer to the ideology... that urges us to evaluate everything in terms of pleasure and displeasure...on the one hand, we have to make the most of our lives; on the other, we have to be sorry and punish ourselves if we don’t succeed in doing so. This is a perversion of a very beautiful idea: that everyone has a right to control his own destiny and to improve his life.”

Happiness may not be good for all aspects of work

Today, both customer and non-customer facing employees are required to be happy. But happiness can also negatively affect our performance at work.

One study highlighted that people who were in a good mood were far worse at identifying acts of deception than those who were in a bad mood. A second study demonstrated that angry people achieve better outcomes during a negotiation than happy people.

Happiness can damage relationships with your boss, family, and friends

According to Susanne Ekmann, by expecting work to make us happy, we can become emotionally needy ― where we depend on our managers to provide us with recognition and reassurance. When we don’t receive the desired emotional response from employers we overreact as we see it as evidence of rejection; making us emotionally vulnerable.

In a book, by Eva Illouz, titled Cold Intimacies, it was found that those seeking emotional comfort at work started to treat their private lives as work tasks. The results were that family life became increasingly cold. This, in turn, pushed people to want to spend an even more unhealthy amount of time at work.

Seeking happiness at work can make losing your job even more devastating

Expecting happiness to come from work creates a dangerous dependence on it, to the extent that losing our job can feel like losing a promise of happiness. Spicer and Cedeström elaborate on this in referencing a book by Richard Sennet, titled, The Corrosion of Character The Personal Consequences of Work in the New Capitalism:

“Richard Sennet noticed that people who saw their employer as an important source of personal meaning were those who became most devastated if they were fired. When these people lost their jobs, they were not just losing an income – they were losing the promise of happiness. This suggests that, when we see our work as a great source of happiness, we make ourselves emotionally vulnerable during periods of change. In an era of constant corporate restructuring, this can be dangerous.”

Happiness can make you a selfish bastard

In one piece of research, participants were given lottery tickets and told that they could give away and/or keep as many tickets as they wanted. Those in a good mood kept more tickets to themselves. How’s that for generosity?

It can damage personal connections and make you lonely

This is demonstrated in an experiment, titled “The Pursuit of Happiness Can Be Lonely” where psychologists asked participants to keep a detailed diary for two weeks. Those greatly valuing happiness felt increasingly disconnected and lonelier afterward.

Despite all the above contradictory evidence, we continue to promote it, but why?

Cedeström and Spicer reference one study that says it comes down to aesthetics and ideology; where aesthetically it’s a convenient idea on paper and ideologically it allows us to avoid more serious issues at work. They say:

“... we can sweep more uncomfortable questions under the carpet, especially since happiness is often seen as a choice. It becomes a convenient way of dealing with negative attitudes, party poopers, miserable bastards, and other unwanted characters in corporate life.”

So where to from here?

There are clear downsides to actively promoting happiness in the workplace. Not only is the link between happiness and productivity questionable, but it can actually make us unhappy, damage our workplace and family relationships, affect aspects of our work, make losing our jobs even more devastating and even make us selfish and lonely.

With the evidence mounting up, it is clear that organizations need to rethink the idea of actively promoting it and people also need to rethink their expectations. To end off, no one could have said it more aptly than Cedeström and Spicer:

“Happiness, of course, is a great thing to experience, but nothing that can be willed into existence. And maybe the less we seek to actively pursue happiness through our jobs, the more likely we will be to actually experience a sense of joy in them — a joy which is spontaneous and pleasurable, and not constructed and oppressive. But most importantly, we will be better equipped to cope with work in a sober manner. To see it for what it is. And not as we — whether executives, employees or dancing motivational seminar leaders — pretend that it is.”


Saturday, August 13, 2016

Trump's And Clinton's Economy Plans: Eight Essential Reads


Bryan Keogh, The Conversation and Emily Costello, The Conversation

Editor's note: The following is a roundup of stories related to this week's presidential campaign.

Hillary Clinton and Donald Trump gave dueling economic addresses this week, offering contrasting visions of where we are now and where each candidate would like to take us.

Speaking in Warren, Michigan on Aug. 11, Clinton challenged listeners to "go out and build the future." Her speech emphasized job creation, workforce skills and American competitiveness. She pledged to bring broadband to every American household by 2020, to simplify tax filing for small businesses and to spend US$25 billion for infrastructure. Clinton promised to limit child care costs to 10 percent of family income.

Clinton also talked tough on trade policy:

"I will stop any trade deal that costs America jobs or holds down wages, including the Trans Pacific Partnership. I oppose it now, I'll oppose it after the election and I'll oppose it as president."

Meanwhile, during a speech in Detroit on Aug. 8, Trump offered his vision of an "America first" economy. It mixed traditional Republican policies to cut taxes with his against-the-GOP-grain attacks on free trade. He also offered an appeal to working moms with a plan to make child care costs tax deductible.

Tax cuts, however, were the centerpiece of his plans:

"I am proposing an across-the-board income tax reduction, especially for middle-income Americans. This will lead to millions of new good-paying jobs. The rich will pay their fair share, but no one will pay so much that it destroys jobs, or undermines our ability to compete."

The Conversation scholars have been covering these and other economic themes of the campaign for many months. The following articles are what we consider essential reading on the issues.

Trade takes center stage

Trade has been one of the most important issues candidates have tussled over. Bernie Sanders' anti-trade tirades made the issue a key part of the Democratic primary and forced Clinton to turn against the TPP.

Some scholars have also identified flaws in the 12-nation trade accord. NYU's Rachel Rothschild writes that it departs from a half-century of diplomatic progress on the environment and human rights:

"America does not need to sacrifice its progress toward worker protections and environmental safeguards to compete for influence with China. We didn't do this with the Soviet Union, and we shouldn't do it now."

Emily Blanchard of Dartmouth, however, explains why she feels progressives should save the TPP from collapse.

"The TPP is less about tariffs and more about creating a coherent global code of conduct for how firms do business in the world. Done right, the agreement would bring important new policy priorities to the negotiating table. It would be a shame to let this chance pass us by."

Trump, meanwhile, has reversed decades of Republican orthodoxy on trade and made opposing the TPP, as well as past accords like NAFTA, a key element of his economic platform. But is he right that the TPP would destroy millions of jobs? Greg Wright of the University of California, Merced and Emily Blanchard of Dartmouth took a look at the potential winners and losers under the agreement.

"The simple truth is that trade agreements change the composition of jobs in the economy. Some workers will be happier with their new jobs, and others will not. Whatever the job losses from the TPP, a roughly equal number will be created."

Haves and have-nots

Income and wealth inequality is another persistent theme of the 2016 presidential elections. Alan Auerbach of the University of California, Berkeley and Laurence Kotlikoff of BU designed a large scale study to better define the drivers of the growing gap between rich and poor by focusing on lifetime spending inequality. Their conclusion?

"Inequality, properly measured, is extremely high, but is far lower than generally believed."

Besides propelling the haves at the expense of the have-nots, the significant inequality that does exist is making us a more polarized nation politically, according to Stanford's Christos Makridis. And that polarization is actually making it harder to resolve the problem, argue Robert Blendon and John Benson of Harvard.

"What is critical to understand is just how wide the gap between members of the two parties is in terms of how they perceive income inequality's seriousness and what policies might reduce it."

Policies and populists

As we approach November, we're getting more specifics from the candidates on their plans to grow the economy and create more jobs.

Trump, for one, is beginning to offer more detail on his plans to "make America grow again," but Jeffrey Kucik, a political scientist at City University of New York, warns that there's a cost to economic policies fueled by populism, as the British are learning after their vote to leave the European Union.

"It shows the dangers of turning away from market institutions like the EU and of introducing political uncertainty into the marketplace. These results should send a powerful warning to those in the U.S. who want to pursue a similar strategy."

Bryan Keogh, Editor, Economics and Business, The Conversation and Emily Costello, Senior Editor, Politics + Society, The Conversation

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