Dec 10 2014 hanin all

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

www.bostonks.com

์ง€๋‚˜ ์ตœ

์• ๋‚˜ ์ • MAโ€ขNH Broker

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

Million Dollar Guild

ABRโ€ขCRSโ€ขCIPS

๋‰ด์Šคํƒ€ ๋ถ€๋™์‚ฐ ์ „๊ตญ 1์œ„ ์ฃผํƒโ€ข์ฝ˜๋„โ€ข๋น„์ง€๋‹ˆ์Šค

978-866-3248

๋‰ด์ž‰๊ธ€๋žœ๋“œํ•œ์ธํšŒ 617. 780. 1675 annajung@newstarrealty.com ํšŒ์žฅ/๋ฐœํ–‰์ธ : ํ•œ์„ ์šฐ

December. 10. 2014

ginachoi@newstarrealty.com

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 617.795.0207 / haninhoebo@gmail.com Vol.15 / No. 46

์ด์˜์‚ฌ๊ด€, ์ฐฝ์กฐ๊ฒฝ์ œํฌ๋Ÿผ ๊ฐœ์ตœ

ํ•œ์ธํšŒ ์—ฐ๋งํŒŒํ‹ฐ ์ž ์ • ์—ฐ๊ธฐ

๋„คํŠธ์›Œํ‚น๊ณผ ์ •๋ณด๊ณต์œ ์˜ ์ค‘์š”์„ฑ ๊ฐ•์กฐ

์‹ ์ž„ํšŒ์žฅ ํ›„๋ณด ์—†์–ด ์‹ ๋…„ ๋˜๋Š” ๊ตฌ์ • ํŒŒํ‹ฐ๋กœ

์ฐฝ์กฐ๊ฒฝ์ œ๋ฅผ ํ†ตํ•œ ํ•œ์ธ ๊ฒฝ์ œ ํ™œ์„ฑํ™” ๋ฐฉ์•ˆ ๋ชจ์ƒ‰

๋‰ด์ž‰๊ธ€๋žœ๋“œ๋ณด์Šคํ„ดํ•œ์ธํšŒ ํ•œ์„ ์šฐ ํšŒ์žฅ์€ ์˜ค๋Š” 12์›” 14 ์ผ์— ์˜ˆ์ •๋˜์—ˆ๋˜ ํ•œ์ธํšŒ ์—ฐ๋งํŒŒํ‹ฐ๋ฅผ ๋‚ด๋…„ ์‹ ๋…„ํŒŒํ‹ฐ๋‚˜ ๊ตฌ์ • ํŒŒํ‹ฐ๋กœ ์ž ์ • ์—ฐ๊ธฐํ•œ๋‹ค๊ณ  ๋ฐœํ‘œํ–ˆ๋‹ค. ํ•œ์„ ์šฐ ํšŒ์žฅ์€ ๋ฐ”์œ ์—ฐ๋ง์—ฐ์‹œ์— ํŒŒํ‹ฐ๋ฅผ ์—ฐ๊ธฐํ•จ์œผ๋กœ ์ธ ํ•ด ํ•œ์ธ๋“ค์—๊ฒŒ ํ˜ผ์„ ์„ ์ œ๊ณตํ•œ ์ ์— ๋Œ€ํ•ด ์†ก๊ตฌ์Šค๋Ÿฝ๊ฒŒ ์ƒ๊ฐ ํ•œ๋‹ค๊ณ  ์ „ํ•œ ๋’ค ํ•˜์ง€๋งŒ ํ˜„์žฌ ์ฐจ๊ธฐ ํ•œ์ธํšŒ์žฅ์ด ๋‚˜์˜ค์ง€ ์•Š์€ ๊ด€๊ณ„๋กœ ์‹ ,๊ตฌํšŒ์žฅ ์ด์ทจ์ž„์‹์„ ๊ฒธํ•˜๊ฒŒ ๋˜์–ด ์žˆ๋Š” ์—ฐ๋งํŒŒํ‹ฐ ๊ฐ€ ๊ทธ ๋ณธ์—ฐ์˜ ์˜๋ฏธ๋ฅผ ์ƒ์‹คํ–ˆ๊ธฐ์— ๋ถ€๋“์ด ๋‚ด๋…„๋„ ์‹ ๋…„์ด๋‚˜ ๊ตฌ์ •ํŒŒํ‹ฐ๋กœ ์—ฐ๊ธฐ๋œ ์ ์— ๋Œ€ํ•ด ํ•œ์ธ๋“ค์—๊ฒŒ ์–‘ํ•ด๋ฅผ ๊ตฌํ•œ๋‹ค ๊ณ  ๋ถ€ํƒํ–ˆ๋‹ค. ํ•œ์„ ์šฐ ํšŒ์žฅ์€ ์ •์‹œ์— ์ฐจ๊ธฐ ํ•œ์ธํšŒ์žฅ์ด ๋‚˜์˜ค์ง€ ๋ชปํ–ˆ์ง€ ๋งŒ ์—ฐ๊ธฐ๋œ ํ•œ์ธํšŒํŒŒํ‹ฐ๊ฐ€ ๊ฐœ์ตœ๋˜๊ธฐ ์ „๊นŒ์ง€๋ผ๋„ ์ด๊ณณ ์›๋กœ๋“ค ๊ณผ ๊ณ ๋ฌธ๋‹จ ๊ทธ๋ฆฌ๊ณ  ์ด์‚ฌ์ง„๊ณผ ํž˜์„ ํ•ฉํ•ด ์ฐจ๊ธฐ ํšŒ์žฅ์„ ์ž„์— ์ตœ ์„ ์˜ ๋…ธ๋ ฅ์„ ๋‹ค ํ•˜๊ฒ ๋‹ค๊ณ  ๋ฐœํ‘œํ–ˆ๋‹ค.

ํ•œ์ธํšŒ ๊ณต๊ณ  ์ด์˜์‚ฌ๊ด€์—์„œ ์ฃผ์ตœํ•œ ์ œ2ํšŒ ์ฐฝ์กฐ๊ฒฝ์ œํฌ๋Ÿผ์— ์„œ ํ•œ์ธ๊ฒฝ์ œ ํ™œ์„ฑํ™” ๋ฐฉ์•ˆ์— ๋Œ€ํ•˜์—ฌ ์ง„์ง€ํ•œ ๋…ผ์˜๊ฐ€ ์ด๋ฃจ์–ด์กŒ๋‹ค.

โ€œ๋‰ด์ž‰๊ธ€๋žœ๋“œ ํ•œ์ธ๊ฒฝ์ œ ํ™œ ์„ฑํ™” ๋ฐฉ์•ˆโ€์ด๋ž€ ์ฃผ์ œ๋กœ ๋ณด์Šค ํ„ด ์ด์˜์‚ฌ๊ด€(์ด์˜์‚ฌ ์—„์„ฑ์ค€) ์ด ์ฃผ์ตœํ•œ ์ œ2ํšŒ ์ฐฝ์กฐ๊ฒฝ์ œํฌ ๋Ÿผ์ด ์ง€๋‚œ 12์›” 9์ผ(ํ™”์š”์ผ) ๋‰ดํŠผ์†Œ์žฌ ํฌ๋ผ์šด ํ”„๋ผ์žํ˜ธํ…” ์—์„œ ํ•œ์ธ ๊ฒฝ์ œ์ธ ๋ฐ ๊ณผํ•™๊ธฐ์ˆ  ์ž ๊ทธ๋ฆฌ๊ณ  ๊ด€๋ จ ํ•œ์ธ๋™ํฌ๋“ค์ด ๋Œ€๊ฑฐ ์ฐธ์„ํ•œ ๊ฐ€์šด๋ฐ ์„ฑ๋Œ€ํžˆ ๊ฑฐ ํ–‰๋˜์—ˆ๋‹ค.

์ธ์‚ฌ๋ง์— ๋‚˜์„  ์—„์„ฑ์ค€ ์ด ์˜์‚ฌ๋Š” โ€œ์ฐฝ์กฐ๊ฒฝ์ œ๋ž€ ์ฒจ๋‹จ ๊ธฐ ์ˆ ์„ ์˜๋ฏธํ•˜๋Š” ๊ฒƒ์ด ์•„๋‹ˆ๋ผ ๋… ์ฐฝ์ ์ธ ์•„์ด๋””์–ด๋กœ ๊ธฐ์กด ์‚ฐ์—… ๊ณผ ๊ธฐ์ˆ ์ด ์ ‘๋ชฉํ•˜์—ฌ ์ƒˆ๋กœ์šด ๊ฒฝ ์ œ๊ฐ€์น˜๋ฅผ ์ฐฝ์ถœํ•˜๋Š” ๊ฒƒโ€์ด๋ผ ๋ฉฐ ์ด ์ง€์—ญ ์ƒ๊ณต์ธ๊ณผ ๊ธฐ์ˆ  ๊ณผ ํ•™์ž๋“ค์ด ์ž๋ฆฌ๋ฅผ ๊ฐ™์ดํ•˜๊ณ  ์ƒ ํ˜ธ ๋„คํŠธ์›์„ ํ˜•์„ฑํ•˜๋ฏ€๋กœ์„œ ์ƒˆ ๋กœ์šด ๊ฐ€์น˜๊ฐ€ ์ฐฝ์ถœ๋˜์–ด ํ•œ์ธ๊ฒฝ

์˜ค๋Š” 12์›” 14์ผ (์ผ์š”์ผ) ์˜คํ›„ 5์‹œ 30๋ถ„์— ๊ฐœ์ตœ ์˜ˆ์ •์ด ์—ˆ๋˜ ๋‰ด์ž‰๊ธ€๋žœ๋“œ๋ณด์Šคํ„ดํ•œ์ธํšŒ ์—ฐ๋งํŒŒํ‹ฐ๋ฅผ ๋‹ค์Œ๊ณผ ๊ฐ™ ์ด ์ž ์ • ์—ฐ๊ธฐํ•จ์„ ์•Œ๋ ค๋“œ๋ฆฝ๋‹ˆ๋‹ค.

์ œ์˜ ํ™œ์„ฑํ™”์— ๋ฌผ๊ณ ๊ฐ€ ํŠธ์ด๊ธธ ๊ธฐ๋Œ€ํ•œ๋‹ค๊ณ  ์ „ํ–ˆ๋‹ค. ์ด๋‚  ํ–‰์‚ฌ๋Š” ์•ˆ๋ณ‘ํ•™ ์›”๋“œ์˜ฅ ํƒ€ ๋ณด์Šคํ†ค ์ง€ํšŒ์žฅ์˜ ์‚ฌํšŒ๋กœ ํ•œ ์ธ๊ฒฝ์ œ ํ™œ์„ฑํ™” ๋ฐฉ์•ˆ์— ๋Œ€ํ•˜์—ฌ, ๊ทธ๋ฆฌ๊ณ  2๋ถ€๋Š” ๋‚จ์„ฑํ•œ KABIC ์ด์‚ฌ์˜ ์‚ฌํšŒ๋กœ ๋ฒค์ฒ˜์™€ ์ฐฝ์—…์„ ์ฃผ์ œ๋กœ ์ง„ํ–‰๋˜์—ˆ๋‹ค.(KSNE)

------------------------- ๋‹ค์Œ --------------------------------์—ฐ๊ธฐ ์ด์œ  : ์ฐจ๊ธฐ ํ•œ์ธํšŒ์žฅ ๋ฏธ ์„ ์ถœ๋กœ ์ธํ•ด ์ฐจ๊ธฐ ํšŒ์žฅ์ด ์„ ์ž„๋ ๋•Œ ๊นŒ์ง€ ํ•œ์ธํšŒ ํŒŒํ‹ฐ ์ž ์ • ์—ฐ๊ธฐ ์˜ˆ์ • ์ผ์ • : 2015๋…„ ์‹ ๋…„ ๋˜๋Š” ๊ตฌ์ • ๋‰ด์ž‰๊ธ€๋žœ๋“œ๋ณด์Šคํ„ดํ•œ์ธํšŒ ํ•œ์„ ์šฐ ํšŒ์žฅ

๊ด€๋ จ๊ธฐ์‚ฌ Page 3

#1 Lender in Massachusetts!

์ด๊ฒฝํ•ด ๋ถ€๋™์‚ฐ ๋น„์ฆˆ๋‹ˆ์Šค ์ „๋ฌธ ๋ธŒ๋กœ์ปค

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P (781) 591-2722

๋‰ด์Šคํƒ€ ๋ถ€๋™์‚ฐ

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617-921-6979

MA LIC # MLO859995

1.800.867.9000 / Cell.508.962.2689 kayleebrokers@aol.com

Ezer Lee

Languages: English & Korean 44 Trapelo Road, Belmont, MA 02478

NMLS #859995

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

C.P.A. ์ •์ง„์ˆ˜ ์ด๋ฌธํ•ญ๋ณดํ—˜ ๊ณต์ธํšŒ๊ณ„์‚ฌ์‚ฌ์—…์ฒด ๋ฐ ๊ฐœ์ธ ์„ธ๋ฌด๋ณด๊ณ 

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339-224-1512 Susan.ahn@centrerealtygroup.com

์‚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

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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€

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

ClaraPaik.com clarapaik@newstarrealty.com


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