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Employers use your personal data to figure out the lowest salary you'll accept

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Re: Employers use your personal data to figure out the lowest salary you'll accept

#261

Post by AndroidKitKat »

jjtheblunt wrote: post #247
bitexploder wrote: post #207

Earlier quoted context omitted.

I never had to supply a W-2 for a vehicle loan. Just my SSN. I almost always get unsecured loans too. They just dump money into your bank account and say "please buy a car with this" and you keep the title. For a mortgage you do have to validate your income. The work around is to just buy your house in cash, I guess (sigh). So I guess mortgage loans leave you open there, but those happen less frequently and may not b…

> They just dump money into your bank account and say "please buy a car with this" and you keep the title. where is this? you don't have or keep the title until the bank sees you paid off the loan, in every instance i've seen.

In Maryland I received my car's title, but it just shows the lien holder's information on it. I've never bought a car in any other state so my information is limited.

Is this different from what you mean?

Re: Employers use your personal data to figure out the lowest salary you'll accept

#262

Post by No1 »

One of the often-overlooked terms of use that people ignore when accessing a payroll processing / human resources website is that the company providing those services can "share" your data with "trusted partners" which essentially allows them to move your income and other personal information to other entities which, in turn, sell that information to anyone who is willing to pay.

It's one of the more abusive uses of click-through agreements - in order to get paid, you have to login and setup your payroll information, and in order to login, you have to click through and agree to these terms, and there is no way to opt out during or after the process.

Re: Employers use your personal data to figure out the lowest salary you'll accept

#263

Post by tombert »

WalterBright wrote: post #91
tombert wrote: post #50

Earlier quoted context omitted.

When I've applied for jobs and done salary negotiations, I try pretty hard to find out the max I can get using as many variables that I think are relevant (e.g. years of experience, previous companies I've worked for, projects I've contributed to, etc). No one is writing an article trying to expose me for this. I think the concern is how invasive they can be when doing this. It's one thing to quickly search your name…

> remotely comparable If it's publicly traded, the company's financial situation is laid bare. Nobody is obliged to accept a lowball offer, either.

Many (the majority?) companies are not public, so even if I agreed with your point about publicly traded companies that doesn't really change my point, since we could very easily (without it being contrived) limit ourself purely to the scope of private companies.

Of course no one is obligated to accept a job they don't want (unless the whispers of Trump bringing back the draft end up being true...sigh...), but I'm not entirely sure what your point is? I don't think anyone is saying that these companies are committing crimes, just that it's kind of crappy to take advantage of people that you know are desperate.

I'm not saying there should be a law against it, I'm not saying that the FTC should get involved, I'm not saying that you shouldn't apply to companies that are doing this, but I am saying that it's kind of shitty to try and see if someone you're hiring is struggling, and then use that as a means of lowballing. It's a dick move. The court of public opinion, in my mind, has a lower bar than anything involving "enforcement".

Re: Employers use your personal data to figure out the lowest salary you'll accept

#264

Post by tombert »

saghm wrote: post #254
tombert wrote: post #86

Earlier quoted context omitted.

Clearly poor communication on my end; I was joking about the billion dollars. My bad. I was just saying that I am too much of a coward to actually even attempt to make my own business.

> Clearly poor communication on my end; I was joking about the billion dollars. My bad. No worries, I'm pretty bad at being able to recognize humor over text even when it's done well, so I legitimately can't tell the difference between whether it's on my end or yours! And if it is on your end, it's certainly still a more palatable character trait than the amount of ego needed to say it seriously.

It is genuinely hard for me to say anything completely seriously and without an abundance of sarcasm. My therapist says it might be an avoidance mechanism that I devised as a kid in order to avoid confronting serious topics.

There probably is some truth to that, and it can understandably come off as me not listening or being mindful to things people say to me because they think I'm blowing it off, even when it's more of just how I deal with things. My wife, being pretty awesome in many ways, realized this pretty early on and thus more or less always understood that when I make a smartass comment even for serious topics, I'm not really trying to make light of it as much as its just how I cope with things.

Anyway, yeah, I'm sarcastic a lot of the time and I realize that that doesn't always come through with text.

Re: Employers use your personal data to figure out the lowest salary you'll accept

#265

Post by dranudin »

Glawen wrote: post #150
delusional wrote: post #116

Earlier quoted context omitted.

As a European, it is wild to see a private company warning that disallowing them the ability to process your personal data might hinder your ability to access social services.

Have a look at german Schufa company. I was there pre RGPD, so maybe things have changed.

I very much hate Schufa for the way they calculate your score (which until very recently was not even disclosed). But hey, at least they don't sell my income data to random private companies. In fact they do not have my income. Just credit related stuff. I demand an overview from them every 3 months that they have to physically mail to me, just to annoy them..

Re: Employers use your personal data to figure out the lowest salary you'll accept

#266

Post by mrguyorama »

vkou wrote: post #94
Ferret7446 wrote: post #25

Earlier quoted context omitted.

That was always the "winning game". Only problem is that's a lot of work. The more things change, the more they stay the same; if you want more money, work harder. People who don't want to work harder complain that other people make more money because they either don't understand or are in denial about the amount of work the people they envy put in. Yes there are exceptions. No pointing out exceptions won't help you,…

> People who don't want to work harder complain that other people make more money because they either don't understand or are in denial about the amount of work the people they envy put in. I assure you, I have never in my life worked 20 times harder than someone making minimum wage.

No executive has ever worked as hard as the girl pushing carts at your local supermarket or the "Illegal" hand picking the fruit you eat for 12 hours a day for less than minimum wage or the teen mechanic dealing with a "2 hour" warranty job on a vehicle rusted to shit.

There is no such thing as knowledge work that takes that much out of you. Sure, thinking hard and making choices all day will exhaust you, but you won't stop moving at age 55 because your body was literally used up for pennies to make someone else wealthy.

If you fly business class, you are the elite making your wealth by skimming from people doing the real Labor. Your wealth is enabled by a paper and some writing. You contribute nothing.

Re: Employers use your personal data to figure out the lowest salary you'll accept

#267

Post by tsoukase »

like_any_other wrote: post #158
impish9208 wrote: post #156

There was a story recently about how large landlords use salary data to raise rents. If they see you got a raise, they’ll increase your rent accordingly. And pretty soon, retailers will do the same. Your personalized price for a gallon of milk at Walmart will reflect your annual raise. I love living in the future!

"I have nothing to hide"

At the moment, I think the data that we protect ourselves are useless and those that are public are precious.

Re: Employers use your personal data to figure out the lowest salary you'll accept

#268

Post by jjtheblunt »

AndroidKitKat wrote: post #261
jjtheblunt wrote: post #247

Earlier quoted context omitted.

> They just dump money into your bank account and say "please buy a car with this" and you keep the title. where is this? you don't have or keep the title until the bank sees you paid off the loan, in every instance i've seen.

In Maryland I received my car's title, but it just shows the lien holder's information on it. I've never bought a car in any other state so my information is limited. Is this different from what you mean?

i'm pretty sure that in Arizona, and i think in California, they DMV sends the title updated to show the original holder (like BMW Financial Services, Subaru Financial Services, or whatever) has been payed completely, and the person is then shown as the title holder.

Re: Employers use your personal data to figure out the lowest salary you'll accept

#269

Post by mghackerlady »

weregiraffe wrote: post #69
alebaffa wrote: post #65

Here in Japan they ask you your current salary (it's even mandatory by most companies), so it's easier here :) ... :(

And if you lie?

It's japan, they're a high trust society

Re: Employers use your personal data to figure out the lowest salary you'll accept

#270

Post by bitexploder »

elephanlemon wrote: post #255
jjtheblunt wrote: post #247

Earlier quoted context omitted.

> They just dump money into your bank account and say "please buy a car with this" and you keep the title. where is this? you don't have or keep the title until the bank sees you paid off the loan, in every instance i've seen.

An unsecured loan just a straight cash loan. In my experience the interest rates are usually a fair bit higher than a vehicle loan, and I would assume the maximum amount is generally quite a bit lower.

In my experience it really depends. You are still contractually and legally obligated to purchase a vehicle in many of these setups, they just don't follow up or enforce it directly in most cases. Loan rates are nothing like unsecured personal loan rates. Probably higher than best auto loan rates. With rates being what they are it may not make as much sense to use an unsecured loan at this point, but when rates are low the cost was negligible and the convenience worth it.
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