Jan 29 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

January. 29. 2014

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 781.654.7744 / haninhoebo@gmail.com Vol.15 / No. 4

็พŽ๋ฒ„์ง€๋‹ˆ์•„์ฃผ์ง€์‚ฌ, ๋™ํ•ด๋ณ‘๊ธฐ ๋ฐฉํ•ด๊ณต์ž‘ ํŒŒ๋ฌธ ํ…Œ๋ฆฌ ๋งฅ์ปฌ๋ฆฌํ”„ ์ฃผ์ง€์‚ฌ, ํ•˜์› 1์ฐจํ‘œ๊ฒฐ ํ•˜๋ฃจ์•ž๋‘๊ณ  ์ฐธ๋ชจ์ง„ ํ†ตํ•ด ์˜์›๋“ค์— ๋ฐ˜๋Œ€์ข…์šฉ ํ˜„์žฌ ๋™ํ•ด๋ณ‘๊ธฐ ๋ฒ•์•ˆ, ์ƒ์› ํ†ต๊ณผ๋์ง€๋งŒ ์•„์ง ๋„˜์–ด์•ผํ•  ์‚ฐ๋“ค ๋งŽ์•„... ํ•œ์ธ๋“ค์˜ ์ ๊ทน์ ์ธ ๋ชฉ์†Œ๋ฆฌ ํ•„์š”

์ง€๋‚œ 1์›” 23์ผ ๋ฒ„์ง€๋‹ˆ์•„์ฃผ ์ƒ์›์—์„œ โ€˜๋™ํ•ด๋ณ‘๊ธฐ ๋ฒ•์•ˆโ€™ ๊ฐ€๊ฒฐ์ด ์„ ํฌ๋˜์ž ๋ฐฉ์ฒญ์„์— ์•‰์•„์žˆ๋˜ ํ•œ์ธ 70์—ฌ๋ช…์ด ํ™˜ํ˜ธํ•˜๊ณ  ์žˆ๋‹ค. (AP=์—ฐํ•ฉ๋‰ด์Šค)

๋ฏธ ์ตœ์ดˆ๋กœ ๊ณต๋ฆฝํ•™๊ต ๊ต๊ณผ์„œ ์— โ€˜๋™ํ•ด๋ณ‘๊ธฐโ€™ ์˜๋ฌดํ™” ๋ฒ•์•ˆ ์ด ์ƒ์ •๋œ ๋ฒ„์ง€๋‹ˆ์•„์—์„œ ์ฃผ์ง€ ์‚ฌ๊ฐ€ ๋ฒ•์•ˆ์„ ๋ถ€๊ฒฐ์‹œํ‚ค๋ผ๋Š” ๋ฐฉ ํ•ด๋กœ๋น„๋ฅผ ์€๋ฐ€ํžˆ ์ „๊ฐœํ•ด ํŒŒ๋ฌธ ์ด ์ผ๊ณ  ์žˆ๋‹ค. ๋ฏธ์ฃผํ•œ์ธ์˜ ๋ชฉ์†Œ๋ฆฌ(VOKA ํšŒ์žฅ ํ”ผํ„ฐ๊น€)๋Š” 28์ผ ๊ธด๊ธ‰ ์—ฐ ๋ฝ๋ง์„ ํ†ตํ•ด โ€œํ…Œ๋ฆฌ ๋งฅ์ปฌ๋ฆฌํ”„ ๋ฒ„์ง€๋‹ˆ์•„ ์ฃผ์ง€์‚ฌ๊ฐ€ ์ฐธ๋ชจ๋“ค์„ ํ†ตํ•ด ๋‚ด์ผ ๋ฒ•์•ˆ์„ ์‹ฌ์˜ํ•˜๋Š” ๊ต ์œก์œ„ ์†Œ์œ„์›ํšŒ 9๋ช…์˜ ํ•˜์›์˜ ์›๋“ค์„ ์ผ์ผํžˆ ๋งŒ๋‚˜ โ€˜๋™ํ•ด ๋ณ‘ ๊ธฐโ€™ ๋ฒ•์•ˆ์„ ๋ถ€๊ฒฐ์‹œํ‚ค๋ผ๋ฉฐ ์ง ์ ‘์ ์œผ๋กœ ๋ฐฉํ•ด ๊ณต์ž‘์„ ํ•˜๊ณ  ์žˆ ๋‹คโ€๊ณ  ํญ๋กœํ–ˆ๋‹ค. ํ”ผํ„ฐ ๊น€ ํšŒ์žฅ์€ โ€œ์ด๊ฐ™์€ ์ •๋ณด๋Š” ๋ฒ•์•ˆ์„ ์ƒ์ •ํ•œ ํŒ€ ํœด๊ณ  ํ•˜์› ์˜์›์˜ ์ฐธ๋ชจ์žฅ์ด ๋ฐฉ๊ธˆ ์ „

์ด๊ฒฝํ•ด ๋ถ€๋™์‚ฐ ๋น„์ฆˆ๋‹ˆ์Šค ์ „๋ฌธ ๋ธŒ๋กœ์ปค ์ƒ๊ฐ€ ํˆฌ์ž์šฉ E2 ๋น„์ž ์‚ฌ์—…์ฒด ๋ฌด๋ฃŒ ์ƒ๋‹ด 1.800.867.9000 / Cell.508.962.2689 kayleebrokers@aol.com

์ด๋ฌธํ•ญ๋ณดํ—˜

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

ํ™”๋กœ ์ „ํ•ด์˜จ ๋‚ด์šฉ์ด๋‹ค. ์ฒซ ๋ฒˆ์งธ ๊ด€๋ฌธ์ธ ์†Œ์œ„์›ํšŒ๊ฐ€ ๋‹น์žฅ ๋‚ด์ผ ์•„์นจ ์—ด๋ฆฌ๊ธฐ ๋•Œ๋ฌธ์— ์‹œ๊ฐ„์ด ์—† ๋‹ค. ์šฐ์„  ๋ฏธ์ฃผ ํ•œ์ธ๋“ค์ด ๋ฒ„์ง€๋‹ˆ ์•„ ์ฃผ์ง€์‚ฌ์—๊ฒŒ ํ•ญ์˜์ „ํ™”๋ฅผ ํ•ด ์•ผ ํ•œ๋‹คโ€๊ณ  ๋‹น๋ถ€ํ–ˆ๋‹ค. ๋งฅ์ปฌ๋ฆฌํ”„ ์ฃผ์ง€์‚ฌ์˜ ๋ฐฉํ•ด๋กœ ๋น„๋Š” ์ง€๋‚œํ•ด ์ฃผ์ง€์‚ฌ ์„ ๊ฑฐ์— ์•ž ์„œ ํ•œ์ธ์‚ฌํšŒ์— โ€˜๋™ํ•ด ๋ณ‘๊ธฐ์— ์ฐฌ์„ฑํ•œ๋‹คโ€™๋Š” ์„œํ•œ๋„ ๋ณด๋‚ธ ๋ฐ” ์žˆ๋‹ค๋Š” ์ ์—์„œ ์ถฉ๊ฒฉ์„ ์ฃผ๊ณ  ์žˆ ๋‹ค. ๋งฅ์ปฌ๋ฆฌํ”„ ์ฃผ์ง€์‚ฌ์˜ ๋Œ์—ฐํ•œ ๋ณ€์‹ฌ์€ ์ผ๋ณธ์˜ ๋กœ๋น„์— ๋”ฐ๋ฅธ ๊ฒƒ ์œผ๋กœ ๋ณด์ธ๋‹ค. ์ง€๋‚œ 22์ผ ์‚ฌ์‚ฌ์— ๊ฒ์ด์น˜๋กœ ์ฃผ๋ฏธ ์ผ๋ณธ๋Œ€์‚ฌ๊ฐ€ ๋งฅ์ปฌ๋ฆฌํ”„ ์ฃผ ์ง€์‚ฌ๋ฅผ ์ฐพ์•„๊ฐ€ ๋™ํ•ด๋ณ‘๊ธฐ ๋ฒ•์•ˆ ์— ๋ฐ˜๋Œ€ํ•œ๋‹ค๋Š” ์ž…์žฅ์„ ์ „๋‹ฌํ–ˆ ๋‹ค๊ณ  ์›Œ์‹ฑํ„ดํฌ์ŠคํŠธ๊ฐ€ ๋ณด๋„ํ•œ

๋ฐ” ์žˆ๊ธฐ ๋•Œ๋ฌธ์ด๋‹ค. ๋‹น์ดˆ ํ•œ์ธ์‚ฌํšŒ๋Š” ๋งฅ์ปฌ๋ฆฌํ”„ ์ฃผ์ง€์‚ฌ๊ฐ€ ์„ ๊ฑฐ๊ณผ์ •์—์„œ ๋™ํ•ด ๋ณ‘๊ธฐ๋ฅผ ์ง€์ง€ํ•˜๋Š” ์„œํ•œ์„ ๋ณด๋‚ด ๋Š”๋“ฑ ํ•œ์ธ์‚ฌํšŒ์— ์ ๊ทน์ ์ธ ๋Ÿฌ ๋ธŒ์ฝœ์„ ๋ณด๋ƒˆ๋‹ค๋Š” ์ ์—์„œ ํฐ ์šฐ ๋ ค๋ฅผ ํ•˜์ง€ ์•Š์€๊ฒŒ ์‚ฌ์‹ค์ด๋‹ค. ๊ทธ๋Ÿฌ๋‚˜ ๋ฒ•์•ˆํ†ต๊ณผ๋ฅผ ์œ„ํ•œ ํ•˜์› ์ฒซ ๊ด€๋ฌธ์—์„œ ์ฃผ์ง€์‚ฌ์ธก์ด ๋…ธ๊ณจ ์ ์ธ ๋ฐฉํ•ด๋กœ๋น„๋ฅผ ๋ฒŒ์ด๊ณ  ์žˆ๋‹ค ๋Š” ์‚ฌ์‹ค์— ์ ์ž–์ด ๋‹นํ™ฉํ•ดํ•˜๊ณ  ์žˆ๋‹ค. ํ˜„์žฌ ๋™ํ•ด๋ณ‘๊ธฐ ๋ฒ•์•ˆ์€ ์ƒ์› ์—์„œ ํ†ต๊ณผ๋์ง€๋งŒ ๋„˜์–ด์•ผํ•  ์‚ฐ ๋“ค์ด ์—ฌ๋Ÿฌ๊ฐœ ์žˆ๋‹ค. ๋‹น์žฅ 29์ผ ์—ด๋ฆฌ๋Š” ํ•˜์›๊ต์œก์†Œ์œ„์›ํšŒ๋ฅผ ๋น„๋กฏ, ๋Œ€์œ„์›ํšŒ์™€ ๋ณธํšŒ์˜์˜ 3 ๋‹จ๊ณ„ ๊ณผ์ •์„ ๊ฑฐ์ณ ์ตœ์ข…ํ†ต๊ณผ๋˜ ๋ฉด ์ƒ์› ๋ฒ•์•ˆ๊ณผ ์กฐ์œจํ•ด ์ตœ์ข…์•ˆ

์„ ํ™•์ •์ง“๊ณ  ์ฃผ์ง€์‚ฌ ์„œ๋ช…์„ ๊ฑฐ ์ณ์•ผ ํ•œ๋‹ค. ๋‹น์ดˆ ๋ถ„์œ„๊ธฐ๋Š” ํ•˜์›์—ญ์‹œ ๋™ ํ•ด๋ณ‘๊ธฐ๋ฅผ ์ง€์ง€ํ•˜๋Š” ๋ชฉ์†Œ๋ฆฌ๊ฐ€ ๋งŽ์•˜์ง€๋งŒ ์ผ๋ณธ์ด ๋Œ€ํ˜•๋กœํŽŒ์„ ํ†ตํ•œ ๋ฐ˜๋Œ€๋กœ๋น„๋ฅผ ๋ณธ๊ฒฉ ์ „๊ฐœํ•˜ ๋ฉด์„œ ๋Œ์•„์„œ๋Š” ์˜์›๋“ค์ด ๋‚˜์˜ค ๊ณ  ๊ธ‰๊ธฐ์•ผ ์ฃผ์ง€์‚ฌ๊นŒ์ง€ ํ”๋“ค๋ฆฌ ๊ณ  ์žˆ์–ด ๋™ํ•ด๋ณ‘๊ธฐ ๋ฒ•์•ˆ์€ ์ตœ๋Œ€ ์œ„๊ธฐ์— ์ง๋ฉดํ•œ ์ƒํ™ฉ์ด๋‹ค. ์ด์— ๋”ฐ๋ผ ์ฃผ๋ฏธํ•œ๊ตญ๋Œ€์‚ฌ๊ด€ ์—์„œ ๋„ˆ๋ฌด ์•ˆ์ผํ•˜๊ฒŒ ๋Œ€์ฒ˜ํ•œ๊ฒŒ ์•„๋‹ˆ๋ƒ๋Š” ๋น„ํŒ์ด ๋‚˜์˜ค๊ณ  ์žˆ๋‹ค. ์ผ๋ณธ์€ ๋Œ€์‚ฌ๊ฐ€ ์ง์ ‘ ๋‚˜์„œ ๋…ธ๊ณจ ์ ์ธ ๋กœ๋น„๋ฅผ ํ•˜๋Š”๋ฐ ์šฐ๋ฆฌ ์ •๋ถ€ ๋Š” ๋ฏธ์ฃผํ•œ์ธ์˜๋ชฉ์†Œ๋ฆฌ ๋“ฑ ๋ฏผ๊ฐ„ ๋‹จ์ฒด์— ๋ชจ๋“  ๊ฒƒ์„ ๋งก๊ธฐ๊ณ  โ€˜๋ณด ์ด์ง€ ์•Š๋Š” ์™ธ๊ตโ€™ ํƒ€๋ น๋งŒ ํ•œ๋‹ค ๋Š” ๊ฒƒ์ด๋‹ค.

Everything you need to get to your move-in day. n SureStartยฎ Pre-approval1

lets you house hunt with confidence. n On-time Closing Guarantee2

๋‰ด์Šคํƒ€ ๋ถ€๋™์‚ฐ

To learn more contact: Ezer Lee Home Lending Officer 617-834-2446 ezer.lee@citi.com NMLS ID: 859995

์ฃผํƒ/์ฝ˜๋„ ๋น„์ง€๋‹ˆ์Šค/๊ฑด๋ฌผ

617-921-6979

1 SureStart is a registered service mark of Citigroup Inc. Final commitment is subject to verification of information, receipt of a satisfactory sales contract on the home you wish to purchase, appraisal and title report, and meeting our customary closing conditions. This offer is not a commitment to lend and is subject to change without notice. There is no charge for the SureStart pre-approval, but standard application and commitment fees apply. 2 If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law,* and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of $1,500. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. (*Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3 business-day waiting period.) This is not a commitment to lend. All loans are subject to credit and property approval. Certain restrictions may apply on all programs. Terms, conditions and fees for accounts, products, programs and services are subject to change. ยฉ 2013 Citibank, N. A. Equal Housing Lender, Member FDIC. NMLS# 412915. Citi, Citibank, Arc Design and Citi with Arc Design are registered service marks of Citigroup Inc.

์‚ฌ์—…์ฒด ๋ฐ ๊ฐœ์ธ ์„ธ๋ฌด๋ณด๊ณ 

ClaraPaik.com clarapaik@newstarrealty.com

๊ณต์ธํšŒ๊ณ„์‚ฌ C.P.A. ์ •์ง„์ˆ˜

์‚ฌ์—…์ฒด ๋ฐ ๊ฐœ์ธ ์„ธ๋ฌด๋ณด๊ณ 

IRS ๋ฌธ์ œ์ƒ๋‹ด ๋ฐ ํ•ด๊ฒฐ /๊ฒฝ์˜์ง„๋‹จ ๋ฐ ์ ˆ์„ธ ์ƒ๋‹ด

29์ผ ์˜ค์ „ 9์‹œ ๋ฆฌ์น˜๋จผ๋“œ ์ฃผ ์˜ํšŒ ๊ฑด๋ฌผ์—์„œ ์—ด๋ฆฌ๋Š” ํ•˜์› ๊ต ์œก์†Œ์œ„์›ํšŒ ํ‘œ๊ฒฐ์—” ๋ฆฌ์ฐจ๋“œ ๋ฒจ ์œ„์›์žฅ์„ ๋น„๋กฏํ•ด ์Šค์บ‡ ๋ง๊ฒ€ํŽ  ํ„ฐ, ๋งˆํฌ ์ฝœ, ๋ธŒ๋ Œ๋‹ค ํฌ๊ธฐ, ์ง ๋ ˆ๋ฌด๋‡ฝ, ํ”ผํ„ฐ ํŒจ๋Ÿด(์ด์ƒ ๊ณตํ™” ๋‹น) ์กฐ์…‰ ๋ชจ๋ฆฌ์„ธ์ด, ๋‹ค์šด ํ—ค์Šค ํ„ฐ, ๋กœ๋ฒ„ํŠธ ๋ธŒ๋งํฌ(์ด์ƒ ๋ฏผ์ฃผ ๋‹น) ๋“ฑ 9๋ช…์œผ๋กœ ๊ตฌ์„ฑ๋๋‹ค. ํ•˜์›์€ ์ด 100๋ช… ์ค‘ 67 ๋ช…์ด ๊ณตํ™”๋‹น ์†Œ์†์ด๋ฉฐ 2์ฐจ๋‹จ ๊ณ„์ธ ๋Œ€์œ„์›ํšŒ์—๋Š” ํ•œ์ธ ๋งˆํฌ ๊น€ ์˜์› ๋“ฑ 22๋ช…์ด ํฌํ•จ๋ผ ์žˆ ๋‹ค. ๋™ํ•ด๋ณ‘๊ธฐ๋ฒ•์•ˆ์„ ์ƒ์ •ํ•œ ์ฃผ ์—ญ์ด ๊ณตํ™”๋‹น์˜ ํŒ€ ํœด๊ณ ์˜์›์ด ์ง€๋งŒ ์ฃผ์ง€์‚ฌ๊ฐ€ ๋…ธ๊ณจ์ ์ธ ๋ฐ˜๋Œ€ ๋กœ๋น„๋ฅผ ํŽผ์น˜๊ณ  ์žˆ๋‹ค๋Š” ์ ์—์„œ 1์ฐจ๊ด€๋ฌธ์—์„œ ํ†ต๊ณผ๋ฅผ ์žฅ๋‹ดํ•  ์ˆ˜ ๊ฐ€ ์—†๋Š” ์ƒํ™ฉ์ด๋‹ค.

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

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

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€

์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


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