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Tell HN: Salary data is for sale

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Re: Tell HN: Salary data is for sale

#751

Post by bloomburger »

BeefySwain wrote: post #182
lumost wrote: post #145

Earlier quoted context omitted.

you know, I spoke with a company not too long ago and they gave me an offer that was 30% lower than what I currently make. The gap was entirely due to not accounting for public company RSU grants (that I had already mentioned) In hindsight I wouldn't be surprised if their department used this tool to check my current cash income and automatically generated an offer. I wouldn't trust this data for much, and I can almo…

The report tells you in the last 24 months who has looked at this info, so you could check that.

what report? where?

Re: Tell HN: Salary data is for sale

#752

Post by matheusmoreira »

FredPret wrote: post #737
matheusmoreira wrote: post #728

Earlier quoted context omitted.

How could it not grease the economy? It's literally money conjured up from thin air. Would be weird if it didn't. It's an illusion. Until loans get repaid they're just inflating the money supply. Can't get a job after college in order to pay $200k in student loans? Lost the job? People literally end up homeless or worse. That's like saying gambling on futures with 100x leverage can supercharge a life. Yeah, I'll get…

Debt is necessary to invest if you don’t have sufficient savings. To say that we can do away with debt is the opinion of someone who both: - already has a good stash of resources, and - is incapable of seeing the point of view of a poor person. Also, all debt is very much not magic money. Most debt represents very real, hard value. Businesses routinely provide goods and services to each other with 90 or even 180 days…

> Debt is necessary to invest if you don’t have sufficient savings.

If you don't have savings, you accumulate. Much easier to do without a mountain of debt weighing you down. Seriously thought that was the accepted wisdom, especially if you're poor. Apparently not.

> Also, all debt is very much not magic money. Most debt represents very real, hard value. Businesses routinely provide goods and services to each other with 90 or even 180 days to pay.

And what happens when one of those persons or businesses goes bankrupt? All that very real, hard value just disappears. It goes away. Doesn't get paid. Defaults.

> You’re confusing all debt with speculation and irresponsible borrowing.

If you go into debt, you are speculating. That's a fact. You're betting that you're going to be able to pay later. Whoever is extending credit to you is taking a risk. Obviously that's a calculated gamble since any number of things could happen that make it impossible for you to pay. Absolutely no confusion here.

Re: Tell HN: Salary data is for sale

#753

Post by just_kidding »

Did you know TWN charge ridiculous $$ to their clients for this data which they don’t even ask users the permission to share?

Oh just sharing my PII data such as SSN, DOB, how much I make, earnings, deductions, 401K, my previous sal, where I worked everything without my consent? I mean the f&$k!

Why are employers/ payroll providers sharing this data without users consent? It’s not theirs to share?

Re: Tell HN: Salary data is for sale

#754

Post by teaearlgraycold »

exdsq wrote: post #358
teaearlgraycold wrote: post #325

Earlier quoted context omitted.

It’s what I’ve charged for consulting and I only have 3.5 years of experience since graduating college. I’m salaried now, though. Salary is $200k/yr with 1% stake in the company (0.5% early exercised - nothing vested yet).

Edit: I’d be keen to know what sort of consulting you do? :) Edit 2: removed my personal salary and share options because this account is public

Full stack web dev

Re: Tell HN: Salary data is for sale

#756

Post by mcoliver »

In this day and age with phishing and other impersonation sites running rampant, I wish large corporations would leverage their root domain appropriately and use subdomains. Why isn't this theworknumber.equifax.com to provide legitimacy? Why can't I use my equifax login to check it? And why does it redirect to yet another domain: https://secure.theworknumber.talx.com?

Re: Tell HN: Salary data is for sale

#758

Post by bagels »

juniorbleh wrote: post #386
bagels wrote: post #349

Earlier quoted context omitted.

Not exactly. It says active or terminated (we switched payroll providers) on my few.

Interesting, does terminated mean that you got fired or just that you generically don't work there anymore (which is used for both when you quit voluntarily and when you're fired)?

I don't know how they're using that term. I've never been fired... yet.

Re: Tell HN: Salary data is for sale

#759

Post by [deleted] »

staunch wrote: post #115
varenc wrote: post #88

Earlier quoted context omitted.

Wow placing a freeze requires filling out a PDF form, attaching a scan of your ID, and then sending it in over email, mail, or fax. The PDF lacks built in form fields you can type in. The extra friction is probably a feature: https://assets.equifax.com/wfs/theworknumber/assets/twn_Empl... (the exif data on that PDF shows the name of the employee that created it and that they used Word 2010...) The Equifax CCPA reques…

When I submit the myprivacy.equifax.com validation it hangs at "Processing..." indefinitely. #AbolishCreditAgencies

[deleted]

Re: Tell HN: Salary data is for sale

#760

Post by gumby »

staunch wrote: post #115
varenc wrote: post #88

Earlier quoted context omitted.

Wow placing a freeze requires filling out a PDF form, attaching a scan of your ID, and then sending it in over email, mail, or fax. The PDF lacks built in form fields you can type in. The extra friction is probably a feature: https://assets.equifax.com/wfs/theworknumber/assets/twn_Empl... (the exif data on that PDF shows the name of the employee that created it and that they used Word 2010...) The Equifax CCPA reques…

When I submit the myprivacy.equifax.com validation it hangs at "Processing..." indefinitely. #AbolishCreditAgencies

#AbolishCreditAgencies

Things were bad, or worse, before they existed. Every little town had one (I remember walking past Palo Alto’s downtown; it was just a storefront with a bunch of file cabinets). Getting credit was slow and complicated and really a pain when you moved.

And before that, even into the mid 20th century, getting credit was all about your network. And remember how much people complain about VCs relying on intros rather than cold calls…well that’s how the entire financial system used to work.

Yes the credit agencies are abusive and lazy and need serious reform and legal management, but they also provide valuable services. I believe it is possible to have the latter and fix the former.

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