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今天在canon refurb看到小白兔了下手慢了点

今天在canon refurb看到小白兔了下手慢了点# PhotoGear - 摄影器材

m*o2011-10-20 07:10

1 楼

大家好，有一做软件开发的朋友，想问问熟悉美国patent方面的朋友，能帮忙回答一下
么？
朋友大约去年十月底从前公司离职，在前公司工作时候公司在美国申请了patent，现在
收到前公司秘书邮件，说是要在其他国家申请patent，收到前公司给的大约6份材料需
要sign，有Assignment Agreement，Deed of Assignment, Assignment，转让合同等
。朋友觉得大部分材料可以签，有一份材料Assignment Agreement比较困惑，里面有“
I/We agree that when requested will, without charge to Assignee（previous
company） but at its expense, sign all papers, take all rightful oaths, make
all rightful declarations and do all acts which may be necessary, desirable
or convenient for securing and maintaining patents or other forms of
protection for the inventions in any and all countries and for vesting title
thereto in Assignee.” and “I/we **** hereby sell, assign and transfer to
previous company name ****(没有sell过，朋友估计是专利申请需要这样写) 和另外
一些其它条款，让朋友感觉不舒服。
上文里面do all acts which may be necessary是指以后如果前公司需要，就要完成前
公司给的有关该patent的任务么？比如开发或者其他设计等任务，而且不论多久，都是
无偿服务。朋友觉得短时间帮忙，没有问题，太长时间就不确定了。朋友已经离职，必
须要签这份材料么？如有清楚的朋友，麻烦请帮忙回答。非常感谢！

V*y2011-10-20 07:10

2 楼

感觉挺漂亮，心向往之～
谢谢！

e*t2011-10-20 07:10

3 楼

本来1800拿下啊
运费都不用

t*g2011-10-20 07:10

4 楼

请用mint.com提供的买房计算

【在 V**********y 的大作中提到】

: 感觉挺漂亮，心向往之～
: 谢谢！

x*m2011-10-20 07:10

5 楼

depends on your downpay

【在 V**********y 的大作中提到】

: 感觉挺漂亮，心向往之～
: 谢谢！

g*n2011-10-20 07:10

6 楼

30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。

【在 V**********y 的大作中提到】

: 感觉挺漂亮，心向往之～
: 谢谢！

t*s2011-10-20 07:10

7 楼

$300k down, only $900k loan. doable with $200k annual income.

【在 g********n 的大作中提到】

: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。

r*c2011-10-20 07:10

8 楼

you must be kidding me
with no kids 300k income
with 1 kid 350k

【在 t***s 的大作中提到】

: $300k down, only $900k loan. doable with $200k annual income.

s*12011-10-20 07:10

9 楼

不要这么多吧，这不存心不让人买嘛

【在 g********n 的大作中提到】

: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。

g*n2011-10-20 07:10

10 楼

低了恐怕贷款做不下来，请托老和金算子证实一下。

【在 s**********1 的大作中提到】

:
: 不要这么多吧，这不存心不让人买嘛

b*t2011-10-20 07:10

11 楼

30万down,最少17，8万年收入，取决于其他开销。

【在 V**********y 的大作中提到】

: 感觉挺漂亮，心向往之～
: 谢谢！

g*n2011-10-20 07:10

12 楼

90万的贷款，如果一个jumbo comforming 729k + HELOC 171k
1.2 million 的房子恐怕只能贷出12万左右的 HELOC。此方案行不通。
那就只有jumbo loan 900k 一条路了。200k 收入有点够呛。

【在 t***s 的大作中提到】

: $300k down, only $900k loan. doable with $200k annual income.

t*s2011-10-20 07:10

13 楼

为什么heloc只能贷10%？我看到的都是TLTV 75-80%。
$900k的jumbo按今天starone 5.25%的利率，每月不到$5000。再加p-tax insurance每
月撑死$1500。总共$6500。$200k年薪只有39%DTI。

【在 g********n 的大作中提到】

: 90万的贷款，如果一个jumbo comforming 729k + HELOC 171k
: 1.2 million 的房子恐怕只能贷出12万左右的 HELOC。此方案行不通。
: 那就只有jumbo loan 900k 一条路了。200k 收入有点够呛。

r*c2011-10-20 07:10

14 楼

if double income, you need to pay
8.5% social + medicare
16500 * 2 = 33000 401k
about 25 - 30k tax
so about 10k a month
if you have kids at least 1k -2k extra,
plus gas, utility bill, maintenance of home, etc, you need to survive with
about 1k a month

【在 t***s 的大作中提到】

: 为什么heloc只能贷10%？我看到的都是TLTV 75-80%。
: $900k的jumbo按今天starone 5.25%的利率，每月不到$5000。再加p-tax insurance每
: 月撑死$1500。总共$6500。$200k年薪只有39%DTI。

x*u2011-10-20 07:10

15 楼

你们都好敢撑呀。。。。。。。。

【在 g********n 的大作中提到】

: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。

t*s2011-10-20 07:10

16 楼

为什么SS+med要8.5%？不是7.65%吗？那个$10k/month又是什么？原来估计的$1500
for p-tax + insurance 其实包括 maintainence，否则$1250也就差不多了。
$6.5k*12 = $78k for the house
$200k*.0765 = $15.3k for SS+Med
$30k tax
that's $123k fixed cost. if you want to max out 401k, that's another $33k,
but it's not mandatory. so you will still have $44k left for daily spending.

with

【在 r****c 的大作中提到】

: if double income, you need to pay
: 8.5% social + medicare
: 16500 * 2 = 33000 401k
: about 25 - 30k tax
: so about 10k a month
: if you have kids at least 1k -2k extra,
: plus gas, utility bill, maintenance of home, etc, you need to survive with
: about 1k a month

t*s2011-10-20 07:10

17 楼

这还叫撑？你是bso不差钱？

【在 x*****u 的大作中提到】

: 你们都好敢撑呀。。。。。。。。

p*t2011-10-20 07:10

18 楼

我老觉得25万年收入就行

【在 g********n 的大作中提到】

: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。

p*t2011-10-20 07:10

19 楼

没娃可以

【在 t***s 的大作中提到】

f*a2011-10-20 07:10

20 楼

200K income with only 30K tax? are you dreaming?
you need to pay at least 35K to 50K combined tax

$33k,
spending.

【在 t***s 的大作中提到】

: 为什么SS+med要8.5%？不是7.65%吗？那个$10k/month又是什么？原来估计的$1500
: for p-tax + insurance 其实包括 maintainence，否则$1250也就差不多了。
: $6.5k*12 = $78k for the house
: $200k*.0765 = $15.3k for SS+Med
: $30k tax
: that's $123k fixed cost. if you want to max out 401k, that's another $33k,
: but it's not mandatory. so you will still have $44k left for daily spending.
:
: with

g*n2011-10-20 07:10

21 楼

我这个标准是房黑的标准，还叫撑？你没看见那几个回帖说25% downpayment, 17万
，20万，25万年收入就可以撑的，那才叫勇敢。

【在 x*****u 的大作中提到】

: 你们都好敢撑呀。。。。。。。。

f*a2011-10-20 07:10

22 楼

also u forgot including 15K - 20K prop tax
that leaves you about 200K - 123K - 20K prop tax - 16K (additional
income tax) = 41K for rest of your life,
so you have total of 41K/12 = 3.4K for monthly spend for food, gas,
utility, house insurance, 401K, health insurance, any medical expenses
etc.
If you have no child that maybe doable, with 1+ child thats impossible
to do with 200K income

$33k,
spending.

【在 t***s 的大作中提到】

t*s2011-10-20 07:10

23 楼

you didn't even read the post. $6500 includes p-tax+insurance+maintainence.

【在 f*****a 的大作中提到】

: also u forgot including 15K - 20K prop tax
: that leaves you about 200K - 123K - 20K prop tax - 16K (additional
: income tax) = 41K for rest of your life,
: so you have total of 41K/12 = 3.4K for monthly spend for food, gas,
: utility, house insurance, 401K, health insurance, any medical expenses
: etc.
: If you have no child that maybe doable, with 1+ child thats impossible
: to do with 200K income
:
: $33k,

t*s2011-10-20 07:10

24 楼

and you don't need to pay $46k total income tax for $200k income
with a $900k mortgage. $35k tops.

【在 f*****a 的大作中提到】

f*a2011-10-20 07:10

25 楼

you dreaming again, 6.5K for prop tax + 900K mortgage + maintenance.
Mortgage (+mortgage insurance) alone will cost you around $6K per month
for 900K loan.

tax+insurance+maintainence.

【在 t***s 的大作中提到】

: you didn't even read the post. $6500 includes p-tax+insurance+maintainence.

f*a2011-10-20 07:10

26 楼

with Fed AMT and CA AMT, your 900K mortgage is useless against AMT taxes

【在 t***s 的大作中提到】

: and you don't need to pay $46k total income tax for $200k income
: with a $900k mortgage. $35k tops.

t*s2011-10-20 07:10

27 楼

i have real data. why would you need mortgage insurance if you're
paying 25% down? today starone's jumbo rate (up to $1M) is 5.25%.
$900k loan monthly payment $4969.83.

【在 f*****a 的大作中提到】

: you dreaming again, 6.5K for prop tax + 900K mortgage + maintenance.
: Mortgage (+mortgage insurance) alone will cost you around $6K per month
: for 900K loan.
:
: tax+insurance+maintainence.

t*s2011-10-20 07:10

28 楼

you really know nothing about tax. and ca amt is quite hard to hit.
certainly not with $200k income.

【在 f*****a 的大作中提到】

: with Fed AMT and CA AMT, your 900K mortgage is useless against AMT taxes

f*a2011-10-20 07:10

29 楼

with enough deduction, anyone with more than 39K income can hit CA amt

【在 t***s 的大作中提到】

: you really know nothing about tax. and ca amt is quite hard to hit.
: certainly not with $200k income.

t*s2011-10-20 07:10

30 楼

you must be kidding. CA AMT examption for married is ~$79k.

【在 f*****a 的大作中提到】

: with enough deduction, anyone with more than 39K income can hit CA amt