Apr 2 2014 hanin all small

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ํ•œ์ธ์‚ฌํšŒ์™€ ํ•จ๊ป˜ํ•˜๋Š” ๋‰ด์ž‰๊ธ€๋žœ๋“œ๋ณด์Šคํ„ด ํ•œ์ธ์‹ ๋ฌธ

www.bostonks.com

์ง€๋‚˜ ์ตœ ์ฃผํƒ/์ฝ˜๋„ ๋น„์ง€๋‹ˆ์Šค ์ „๋ฌธ Realtor

978-866-3248

๋‰ด์ž‰๊ธ€๋žœ๋“œํ•œ์ธํšŒ

ginachoi@newstarrealty.com

ํšŒ์žฅ/๋ฐœํ–‰์ธ : ํ•œ์„ ์šฐ

April. 2. 2014

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 617.750.0207 / haninhoebo@gmail.com Vol.15 / No. 13

ๆœด๋Œ€ํ†ต๋ น, ๋“œ๋ ˆ์Šค๋ด ํ†ต์ผ ๊ตฌ์ƒ ๋ฐœํ‘œ โ€œํ•ต๋ฌด๊ธฐ์™€ ์ „์Ÿ์˜ ๊ณตํฌ๋กœ๋ถ€ํ„ฐ ์ž์œ ๋กœ์šด ํ•œ๋ฐ˜๋„, ์ž์œ ์™€ ํ‰ํ™”, ๋ฒˆ์˜์ด ๋„˜์น˜๋Š” ํ•œ๋ฐ˜๋„๋ฅผ ๊ฑด์„คํ•ด์•ผโ€

๋…์ผ ๋“œ๋ ˆ์Šค๋ด์—์„œ ํ†ต์ผ ๊ตฌ์ƒ ๋ฐํžˆ๋Š” ๋ฐ•๊ทผํ˜œ ๋Œ€ํ†ต๋ น

๋ฐ•๊ทผํ˜œ ๋Œ€ํ†ต๋ น์€ ๋…์ผ ํ†ต์ผ ์˜ ์ƒ์ง•์ธ ๋“œ๋ ˆ์Šค๋ด์—์„œ โ€œ๋…์ผ ํ†ต์ผ์ด ์—ญ์‚ฌ์  ํ•„์—ฐ์ด๋“ฏ์ด, ํ•œ ๊ตญ์˜ ํ†ต์ผ๋„ ์—ญ์‚ฌ์  ํ•„์—ฐ์ด๋ผ๊ณ 

ํ™•์‹ ํ•œ๋‹คโ€๊ณ  ๋งํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ ์ด๋‚  ๋“œ๋ ˆ์Šค๋ด ๊ณต๊ณผ๋Œ€ํ•™์˜ ์ •์น˜ยท๋ฒ•๋ฅ ๋ถ„์•ผ ๋ช… ์˜ˆ๋ฐ•์‚ฌ ์ˆ˜์—ฌ์‹์— ์ฐธ์„, ์ด๊ฐ™์ด

์ด๊ฒฝํ•ด ๋ถ€๋™์‚ฐ

Call me today for a free pre-approval!

Prescott&son Insurance Agency

์ž๋™์ฐจ/์ฃผํƒ ์‚ฌ์—…์ฒด/๊ฑด๋ฌผ Commercial BOP/Works Comp ์•„ํŒŒํŠธ Tenant

781-325-3406 mleeins@gmail.com

STEVEN IN REALTOR ์ธ์Šนํ™˜

C) 781-724-0282 MRINREALTOR@GMAIL.COM

P (781) 591-2722

F (617) 395-6865 | 44 Trapelo Road, Belmont, MA 02478 elee@mortgagemaster.com | www.mortgagemaster.com/elee MA LIC # MLO859995

Languages: English & Korean

Ezer Lee NMLS #859995

Mortgage Master, Inc. NMLS # 4251 /MA Lender/Broker MC4251

๊ณต์ธํšŒ๊ณ„์‚ฌ C.P.A. ์ •์ง„์ˆ˜

์‚ฌ์—…์ฒด ๋ฐ ๊ฐœ์ธ ์„ธ๋ฌด๋ณด๊ณ 

์‚ฌ์—…์ฒด ๋ฐ ๊ฐœ์ธ ์„ธ๋ฌด๋ณด๊ณ  IRS ๋ฌธ์ œ์ƒ๋‹ด ๋ฐ ํ•ด๊ฒฐ /๊ฒฝ์˜์ง„๋‹จ ๋ฐ ์ ˆ์„ธ ์ƒ๋‹ด l IRS ๋ฌธ์ œ ์ƒ๋‹ด ๋ฐ ํ•ด๊ฒฐ l ๊ฒฝ์˜์ง„๋‹จ ๋ฐ ์ ˆ์„ธ ์ƒ๋‹ด l ์‚ฌ์—…์ฒด ๋ฒ•์ธ ์„ค๋ฆฝ๊ณผ ํ•ด์ฒด / ํšŒ๊ณ„์ฒ˜๋ฆฌ ๊ฐ์‚ฌ l ์‚ฌ์—…์ฒด ๋ฒ”์ธ ์„ค๋ฆฝ๊ณผ๋ฐ ํ•ด์ฒด l ํšŒ๊ณ„์ฒ˜๋ฆฌ ๋ฐ ๊ฐ์‚ฌใ…ฃ l IRS,์„œ๋น„์Šค TAX ID ๋ฒˆํ˜ธ๋ฐœ๊ธ‰ (ITIN) l IRS TAX ID ๋ฐœ๊ธ‰ / Payroll

Harvard University ๊ฒฝ์˜๋Œ€ํ•™์› ์กธ์—… (MBA) Pricewater House Coopers ๊ฐ์‚ฌ๋ถ€์žฅ ์—ญ์ž„ ํ˜„์žฌ Baystate Tax Principal

TEL. 781-849-0800 / 508-580-3946(ํ•œ์ธ์ „์šฉ), Fax. 781-849-0848 Tel: 508-584-5860 l 508-580-3946 (ํ•œ์ธ์ „์šฉ) FAX: 508-584-3674

220 Forbes Rd., Suite 206, Braintree, MA 02184 528 Pleasant St. Suite 2, Brockton, MA 02301

๊น€์—ฐ์ง„ ๋ณ€ํ˜ธ์‚ฌ Kim Law Office, L.L.C Yeon J. Kim, Esq ์ „ ๋ฏธ ์—ฐ๋ฐฉ ์ด๋ฏผ๊ตญ ์‹ฌ์‚ฌ๊ด€ ์ „ ๋ฏธ ์—ฐ๋ฐฉ ์„ธ๊ด€ ํŠน๋ณ„ ์ˆ˜์‚ฌ๊ด€ ์ „ ๋ฏธ ์œก๊ตฐ ์‹ฌ๋ฌธ๊ด€

์ˆ˜ ๋ฏผ๊ฐ„ ์ ‘์ด‰์ด ๊พธ์ค€ํžˆ ํ™•๋Œ€ ๋  ์ˆ˜ ์žˆ๋Š” ์—ญ์‚ฌ์—ฐ๊ตฌ์™€ ๋ณด์ „, ๋ฌธํ™”์˜ˆ์ˆ , ์Šคํฌ์ธ  ๊ต๋ฅ˜ ๋“ฑ์„ ์žฅ๋ คํ•ด ๋‚˜๊ฐˆ ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐ ํ˜”๋‹ค. ์ด์–ด โ€œ๋ถํ•œ์ด ์›ํ•œ๋‹ค๋ฉด, ๊ตญ์ œ์‚ฌํšŒ์™€ ํ•จ๊ป˜ ๊ฒฝ์ œ์šด์šฉ๊ณผ ๊ฒฝ์ œํŠน๊ตฌ ๊ฐœ๋ฐœ ๊ด€๋ จ ๊ฒฝํ—˜, ๊ธˆ ์œต, ์กฐ์„ธ ๊ด€๋ฆฌ, ํ†ต๊ณ„ ๋“ฑ์— ๊ด€ ํ•œ ์ฒด๊ณ„์ ์ธ ๊ต์œก๊ณผ ํ›ˆ๋ จ๋„ ์ง€์›ํ•ด ๋‚˜๊ฐˆ ๊ฒƒโ€์ด๋ผ๋ฉฐ โ€œ ์žฅ๊ธฐ์ ์œผ๋กœ ํ†ต์ผ ํ•œ๋ฐ˜๋„์˜ ์„ฑ์žฅ ๋™๋ ฅ์ด ๋  ๋ฏธ๋ž˜์„ธ๋Œ€๋ฅผ ๊ฐ€๋ฅด์น˜๊ณ  ์ธ์žฌ๋ฅผ ํ‚ค์šฐ๊ธฐ ์œ„ ํ•œ ๊ต์œกํ”„๋กœ๊ทธ๋žจ๋„ ๊ณต๋™ ๊ฐœ ๋ฐœํ•  ์ˆ˜ ์žˆ์„ ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐ ํ˜”๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ ์ด๋ฅผ ๋‚จยท ๋ถํ•œ์ด ํ•จ๊ป˜ ์‹คํ˜„ํ•  ์ˆ˜ ์žˆ๋„ ๋ก โ€˜๋‚จ๋ถ๊ต๋ฅ˜ํ˜‘๋ ฅ์‚ฌ๋ฌด์†Œโ€™ ์„ค์น˜๋ฅผ ๋ถ์ธก์— ์ œ์•ˆํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€œํ•˜๋‚˜ ๋œ ํ•œ ๋ฐ˜๋„๋ฅผ ๋งŒ๋“ค๊ธฐ ์œ„ํ•œ ์ด๋Ÿฐ ๋…ธ ๋ ฅ์ด ํ•˜๋ฃจ ๋นจ๋ฆฌ ์ด๋ฃจ์–ด์งˆ ์ˆ˜ ์žˆ๋„๋ก ๋ถํ•œ์€ ๋น„ํ•ตํ™”๋กœ ๋‚˜ ์•„๊ฐ€์•ผ ํ•œ๋‹คโ€๋ฉฐโ€œ๋ถํ•œ์ด ํ•ต ๋ฌธ์ œ ํ•ด๊ฒฐ์— ๋Œ€ํ•œ ์ง„์ •์„ฑ ์žˆ ๋Š” ์ž์„ธ๋กœ 6์žํšŒ๋‹ด์— ๋ณต๊ท€ํ•˜ ๊ณ  ํ•ต์„ ํฌ๊ธฐํ•˜์—ฌ ์ง„์ • ๋ถํ•œ ์ฃผ๋ฏผ๋“ค์˜ ์‚ถ์„ ๋Œ๋ณด๊ธฐ ๋ฐ”๋ž€ ๋‹คโ€๊ณ  ๋งํ–ˆ๋‹ค.

๋‰ด์Šคํƒ€

EXCELLENT RATES | LOW CLOSING COSTS | ADVICE YOU CAN TRUST

์ƒ๊ฐ€ ํˆฌ์ž์šฉ E2 ๋น„์ž ์‚ฌ์—…์ฒด ๋ฌด๋ฃŒ ์ƒ๋‹ด

์ด๋ฌธํ•ญ๋ณดํ—˜

์•ผ ํ•œ๋‹คโ€๋ฉฐ โ€œํ•œ๊ตญ์€ ๋ถํ•œ ์ฃผ๋ฏผ์— ๋Œ€ํ•œ ์ธ๋„์  ์ฐจ์›์˜ ์ง€์›์„ ํ™•๋Œ€ํ•ด ๋‚˜๊ฐˆ ๊ฒƒโ€์ด ๋ผ๊ณ  ๋งํ–ˆ๋‹ค. ๊ทธ๋Ÿฌ๋ฉด์„œ ์œ ์—”๊ณผ ํ•จ๊ป˜ ์ž„์‹ ๋ถ€ํ„ฐ 2์„ธ๊นŒ์ง€ ๋ถํ•œ์˜ ์‚ฐ ๋ชจ์™€ ์œ ์•„์—๊ฒŒ ์˜์–‘๊ณผ ๋ณด๊ฑด ์„ ์ง€์›ํ•˜๋Š” โ€˜๋ชจ์žํŒจํ‚ค์ง€ (1000days) ์‚ฌ์—…โ€™์„ ํŽผ์น  ๊ฒƒ์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ ์ด์–ด โ€œํ•œ๊ตญ ์€ ๋ถํ•œ ์ฃผ๋ฏผ์˜ ํŽธ์ต์„ ๋„๋ชจ ํ•˜๊ธฐ ์œ„ํ•ด ๊ตํ†ตยทํ†ต์‹  ๋“ฑ ๊ฐ€ ๋Šฅํ•œ ๋ถ€๋ถ„์˜ ์ธํ”„๋ผ ๊ฑด์„ค์— ํˆฌ์žํ•˜๊ณ , ๋ถํ•œ์€ ํ•œ๊ตญ์—๊ฒŒ ์ง€ํ•˜์ž์› ๊ฐœ๋ฐœ์„ ํ•  ์ˆ˜ ์žˆ๋„ ๋ก ํ•œ๋‹ค๋ฉด, ๋‚จ๋ถํ•œ ๋ชจ๋‘ ํ˜œํƒ ์„ ๋ฐ›์„ ์ˆ˜ ์žˆ์„ ๊ฒƒโ€์ด๋ผ๋ฉฐ โ€œํ˜„์žฌ ์ถ”์ง„ ์ค‘์ธ ๋‚˜์ง„ใ†ํ•˜ ์‚ฐ ๋ฌผ๋ฅ˜์‚ฌ์—… ๋“ฑ ๋‚จ๋ถ๋Ÿฌ ํ˜‘๋ ฅ ์‚ฌ์—…๊ณผ ํ•จ๊ป˜,์‹ ์˜์ฃผ ๋“ฑ์„ ์ค‘ ์‹ฌ์œผ๋กœ ๋‚จใ†๋ถใ†์ค‘ ํ˜‘๋ ฅ์‚ฌ ์—…์„ ์ถ”์ง„ํ•˜์—ฌ ํ•œ๋ฐ˜๋„์™€ ๋™ ๋ถ์•„์˜ ๊ณต๋™๋ฐœ์ „์„ ์ด๋ค„๊ฐˆ ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€œ๋ฌด์—‡๋ณด ๋‹ค ๋‚จ๋ถํ•œ ์ฃผ๋ฏผ์ด ์ž์ฃผ ๋งŒ๋‚  ์ˆ˜ ์žˆ๋Š” ๊ธฐํšŒ๋ฅผ ๋งŒ๋“ค์–ด์•ผ ํ•œ ๋‹คโ€๋ฉฐ โ€œ์ •์น˜์  ๋ชฉ์ ์˜ ์‚ฌ ์—…, ์ด๋ฒคํŠธ์„ฑ ์‚ฌ์—…๋ณด๋‹ค๋Š” ์ˆœ

#1 Lender in Massachusetts!

๋น„์ฆˆ๋‹ˆ์Šค ์ „๋ฌธ ๋ธŒ๋กœ์ปค

1.800.867.9000 / Cell.508.962.2689 kayleebrokers@aol.com

๋ฐํžŒ ๋’ค โ€œํ•ต๋ฌด๊ธฐ์™€ ์ „์Ÿ์˜ ๊ณตํฌ๋กœ๋ถ€ํ„ฐ ์ž์œ ๋กœ์šด ํ•œ๋ฐ˜ ๋„, ์ž์œ ์™€ ํ‰ํ™”, ๋ฒˆ์˜์ด ๋„˜ ์น˜๋Š” ํ•œ๋ฐ˜๋„๋ฅผ ๊ฑด์„คํ•ด์•ผ ํ•œ ๋‹คโ€๋ฉฐ โ€˜๋“œ๋ ˆ์Šค๋ด ํ†ต์ผ ๊ตฌ ์ƒโ€™์„ ๋ฐœํ‘œํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€œ๋…์ผ ๊ตญ ๋ฏผ์ด ๋ฒ ๋ฅผ๋ฆฐ ์žฅ๋ฒฝ์„ ๋ฌด๋„ˆ๋œจ ๋ฆฌ๊ณ  ์ž์œ ์™€ ๋ฒˆ์˜, ํ‰ํ™”๋ฅผ ์ด ๋ฃจ์–ด๋ƒˆ๋“ฏ์ด, ์ด์ œ ํ•œ๋ฐ˜๋„์— ์„œ๋„ ์ƒˆ๋กœ์šด ๋ฏธ๋ž˜๋ฅผ ์—ด์–ด๊ฐ€ ๊ธฐ ์œ„ํ•ด ์žฅ๋ฒฝ์„ ๋ฌด๋„ˆ๋œจ๋ ค์•ผ ํ•œ๋‹คโ€๋ฉฐ โ€˜๊ตฐ์‚ฌ์  ๋Œ€๊ฒฐ์˜ ์žฅ๋ฒฝโ€™, โ€˜๋ถˆ์‹ ์˜ ์žฅ๋ฒฝ, โ€˜์‚ฌ ํšŒ ๋ฌธํ™”์  ์žฅ๋ฒฝโ€™, โ€˜๋‹จ์ ˆ๊ณผ ๊ณ ๋ฆฝ์˜ ์žฅ๋ฒฝโ€™์„ ํ—ˆ๋ฌผ๊ณ , ๊ทธ ์ž๋ฆฌ์— โ€˜์ƒˆ๋กœ์šด ํ•œ๋ฐ˜๋„โ€™๋ฅผ ๊ฑด์„คํ•ด์•ผ ํ•œ๋‹ค๊ณ  ๋งํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ ๊ทธ๋Ÿฌ๋ฉด์„œ ํ‰ ํ™”ํ†ต์ผ์˜ ๊ธฐ๋ฐ˜์„ ๋งŒ๋“ค๊ธฐ ์œ„ ํ•ด ์ธ๋„์  ๋ฌธ์ œ ํ•ด๊ฒฐ, ๋‚จ๋ถ ํ•œ ๊ณต๋™๋ฒˆ์˜์„ ์œ„ํ•œ ๋ฏผ์ƒ ์ธ ํ”„๋ผ ๊ณต๋™ ๊ตฌ์ถ•, ๋‚จ๋ถ ์ฃผ๋ฏผ๊ฐ„ ๋™์งˆ์„ฑ ํšŒ๋ณต๋“ฑ ์„ธ ๊ฐ€์ง€๋ฅผ ๋ถ ํ•œ์— ์ œ์•ˆํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€œ๋‚จยท๋ถ ํ•œ๋„ ์ด์ œ๋Š” ์ด์‚ฐ๊ฐ€์กฑ ์ƒ๋ด‰ ์˜ ์ •๋ก€ํ™” ๋“ฑ์œผ๋กœ (์ด์‚ฐ)๊ฐ€ ์กฑ์˜ ํ•œ์„ ํ’€๊ณ  ๋™์‹œ์— ๋‚จ๋ถ ๊ฐ„์— ์‹ ๋ขฐ๋ฅผ ์Œ“๋Š” ๊ธธ์— ๋‚˜์„œ

์ด๋ฏผ๋ฒ•, ์ƒ๋ฒ•, ํ˜•์‚ฌ๋ฒ• ๊ฐ€์ •๋ฒ•, ๊ฐœ์ธํŒŒ์‚ฐ๋ฒ• ๋“ฑ

TEL. 781-932-0400 FAX. 781-932-0403

3 Baldwin Green Common, Suite 210, Woburn, MA 01801

๋ถ€๋™์‚ฐ

์ฃผํƒ/์ฝ˜๋„ ๋น„์ง€๋‹ˆ์Šค/๊ฑด๋ฌผ

617-921-6979 ClaraPaik.com clarapaik@newstarrealty.com


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