June-1-2011 KSNE Vol.12, No. 22

Page 1

ํ•œ์ธ์‚ฌํšŒ์™€ ํ•จ๊ป˜ํ•˜๋Š” ์šฐ๋ฆฌ์‹ ๋ฌธ

NEW ENGLAND

ํ•œ์ธํšŒ๋ณด

๋‰ด์ž‰๊ธ€๋žœ๋“œํ•œ์ธํšŒ ํšŒ์žฅ / ๋ฐœํ–‰์ธ ์œ ํ•œ์„  13 Campbell Street Woburn, MA 01801

WWW.BOSTONKS.COM 2011๋…„ 6์›” 1์ผ ์ˆ˜์š”์ผ

The New England Korean News TEL: 781.933.8822 / FAX: 781.933.8855 / haninhoebo@gmail.com Vol. 12 No.22

๋ฏธ, ์ง‘๊ฐ’ ๋‚ ๊ฐœ์—†๋Š” ์ถ”๋ฝ ๋Œ€๋„์‹œ ์ฃผํƒ๊ฐ€๊ฒฉ ์ง€์ˆ˜ 8๋…„๋ž˜ ์ตœ์ € ๊ธฐ๋ก ์ง€์—ญ Boston

2009.5์›” ๊ธฐ์ค€ ํ‰๊ท  ์ง‘๊ฐ’ $380,000

2011. 3์›” ๊ธฐ์ค€ ํ‰๊ท  ์ง‘๊ฐ’

์ฐจ์•ก

%

$374,000

$6,000

1.58%

Brockton

$184,000

$167,000

$17,000

9.24%

Cambridge

$424,000

$417,000

$7,000

1.65%

Framingham

$290,000

$267,000

$23,000

7.93%

Lexington

$599,000

$581,000

$18,000

3.01%

Lowell

$201,000

$171,000

$30,000

14.93%

Natick

$357,000

$347,000

$10,000

2.80%

newton

$618,000

$585,000

$33,000

5.34%

Springfield

$132,000

$117,000

$15,000

11.36%

Waltham

$356,000

$345,000

$11,000

3.09%

Watertown

$363,000

$350,000

$13,000

3.58%

Wellesley

$751,000

$724,000

$27,000

3.60%

Weston

$1,050,000

$940,000

$110,000

10.48%

Woburn

$301,000

$297,000

$4,000

1.33%

Worcester

$183,000

$180000

$3,000

1.64%

๋ฉ”์‚ฌ์ธ„์„ธ์ธ  ์ฃผ ์ฃผ์š” ๋„์‹œ ์ง’๊ฐ’ ๋ณ€๋™ (2009๋…„ 5์›” 1์ผ ๋Œ€๋น„ 2011๋…„ 4์›” 1์ผ) ์ž๋ฃŒ์ถœ์ฒ˜ : Zillow.com

๋ฏธ๊ตญ์˜ ์ฃผํƒ๊ฐ€๊ฒฉ์ด ์‹ ์ €๊ฐ€๋ฅผ ๊ฒฝ์‹ ํ•˜๋Š” ๋“ฑ ๋์—†๋Š” ํ•˜๋ฝ์„ธ๋ฅผ ์ง€์†ํ•˜๋ฉด์„œ `๋”๋ธ”๋”ฅ(์ด์ค‘์นจ ์ฒด)โ€™์ด ๋šœ๋ ทํ•ด์ง€๋Š” ์–‘์ƒ์„ ๋ณด์ด๊ณ  ์žˆ๋‹ค. ์Šค ํƒ ๋”๋“œ ์•ค๋“œ ํ‘ธ์–ด์Šค(S&P)๋Š” ๋ฏธ๊ตญ 20๊ฐœ ๋Œ€๋„ ์‹œ ์ง€์—ญ์˜ ์ฃผํƒ๊ฐ€๊ฒฉ์„ ๋‚˜ํƒ€๋‚ด๋Š” 3์›” S&P/์ผ€ ์ด์Šค-์‰ด๋Ÿฌ ์ง€์ˆ˜๊ฐ€ 1๋…„ ์ „๋ณด๋‹ค 3.6% ํ•˜๋ฝํ•œ 138.16์„ ๊ธฐ๋กํ–ˆ๋‹ค๊ณ  ๋ฐœํ‘œํ–ˆ๋‹ค. ์ด๋Ÿฐ ํ•˜๋ฝ๋ฅ  ์€ ์ง€๋‚œ 2009๋…„ 11์›” ์ดํ›„ 1๋…„4๊ฐœ์›” ๋งŒ์— ์ตœ ๋Œ€์น˜์ด๋ฉฐ, 3์›” ์ง€์ˆ˜๋Š” ์ง€๋‚œ 2003๋…„ 3์›” ์ดํ›„ ๊ฐ€์žฅ ๋‚ฎ์€ ์ˆ˜์ค€์ด๋‹ค. ์ด๋Š” ์ง€๋‚œ 2์›”์˜ ์ „๋…„๋Œ€๋น„ ํ•˜๋ฝ๋ฅ  1.1%๋Š” ๋ฌผ๋ก  ์‹œ์žฅ ์ „๋ฌธ๊ฐ€๋“ค์˜ ํ•˜๋ฝ๋ฅ  ์ „๋ง์น˜ 3.3%๋ฅผ ๋„˜๋Š” ์ˆ˜์ค€์ด๋‹ค. 10๊ฐœ ๋„์‹œ์˜ ์ง€์ˆ˜๋Š” ์ž‘๋…„ ๋™๊ธฐ ๋Œ€๋น„ 2.9%

์ด๊ฒฝํ•ด ๋ถ€๋™์‚ฐ ๋น„์ฆˆ๋‹ˆ์Šค ์ „๋ฌธ ๋ธŒ๋กœ์ปค ์ƒ๊ฐ€ ํˆฌ์ž์šฉ

E2๋น„์ž ์‚ฌ์—…์ฒด ๋ฌด๋ฃŒ์ƒ๋‹ด 1-800-867-9000 508. 962.2689 Cell

www.leebrokers.biz kayleebrokers@aol.com

์ฃผํƒใ…ฃ์ฝ˜๋„ใ…ฃ๋น„์ฆˆ๋‹ˆ์Šค ์ „๋ฌธ

๋ฐฑ์˜์ฃผ ๋ถ€๋™์‚ฐ 617-969-์‚ฌ๊ตฌํŒ”๊ตฌ 617-921-6979 www.clarapaik.com clara.paik@verizon.net clarapaik@newstarrealty.com

ํ•˜๋ฝํ–ˆ๋‹ค. ์ „๋‹ฌ๊ณผ ๋น„๊ตํ•ด์„œ๋Š” 20๊ฐœ ๋„์‹œ๊ฐ€ 0.8%(๊ณ„์ ˆ์กฐ์ •์น˜ 0.2%) ๋–จ์–ด์กŒ๊ณ  10๊ฐœ ๋„์‹œ ๋Š” 0.6% ํ•˜๋ฝํ–ˆ๋‹ค. 20๊ฐœ ๋„์‹œ ์ค‘ 18๊ฐœ ๋„์‹œ ์˜ ์ฃผํƒ๊ฐ€๊ฒฉ์ด ํ•˜๋ฝํ•œ ๊ฐ€์šด๋ฐ ๋ฏธ๋‹ˆ์–ดํด๋ฆฌ์Šค ๊ฐ€ ์ „๋‹ฌ๋Œ€๋น„ ํ•˜๋ฝ๋ฅ ์ด ๊ฐ€์žฅ ๋†’์€ 3.7%๋ฅผ ๊ธฐ ๋กํ–ˆ๊ณ  12๊ฐœ ๋„์‹œ๋Š” ์•ฝ 4๋…„ ๋งŒ์— ์ตœ์ €์น˜๋ฅผ ๊ธฐ ๋กํ–ˆ๋‹ค. ๋ฐ˜๋ฉด ์›Œ์‹ฑํ„ดD.C์™€ ์‹œ์• ํ‹€์€ 1.1%, 0.1% ์ƒ ์Šนํ–ˆ๋‹ค. ์ด๋กœ์จ ์ง€์ˆ˜๋Š” 1๋ถ„๊ธฐ์—๋งŒ ์ „๋ถ„๊ธฐ ๋Œ€ ๋น„ 4.2%์˜ ํ•˜๋ฝ๋ฅ ์„ ๊ธฐ๋กํ–ˆ๊ณ  ๊ณ„์ ˆ์กฐ์ •์น˜๋กœ ๋„ 1.9%๊ฐ€ ๋–จ์–ด์ ธ ์ž‘๋…„ 4๋ถ„๊ธฐ์˜ ํ•˜๋ฝ๋ฅ  1.8% ๋ฅผ ๋„˜์–ด์„ฐ๋‹ค. ์ด๋กœ์จ ๋ฏธ๊ตญ ๋Œ€๋„์‹œ์˜ ์ฃผํƒ๊ฐ€๊ฒฉ์€ 8๊ฐœ์›”์งธ ํ•˜๋ฝ์„ธ๋ฅผ ์ง€์†ํ–ˆ์œผ๋ฉฐ, ๊ธˆ์œต์œ„๊ธฐ ํ›„ ๊ธฐ๋กํ–ˆ๋˜

์‚ฌ์—…์ฒด ๋ฐ ๊ฐœ์ธ ์„ธ๋ฌด๋ณด๊ณ  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 l IRS, TAX ID ๋ฒˆํ˜ธ๋ฐœ๊ธ‰ (ITIN) l

๊ณต์ธํšŒ๊ณ„์‚ฌ C.P.A

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

์ •์ง„์ˆ˜

2009๋…„ 4์›”์˜ ์ €์ ๋ณด๋‹ค ๋‚ฎ์€ ์ˆ˜ ์ค€์œผ๋กœ ๋–จ์–ด์ ธ ๋ฏธ ์ •๋ถ€์˜ ์„ธ์ œ์ง€ ์›์— ํž˜์ž…์€ `๋ฐ˜์ง ํšŒ๋ณต์„ธ โ€˜์ดํ›„ ๋‹ค์‹œ ์นจ์ฒด๊ตญ๋ฉด์œผ๋กœ ๋น ์ ธ๋“œ๋Š” โ€˜๋” ๋ธ”๋”ฅโ€™ ์–‘์ƒ์„ ๋ณด์ด๊ณ  ์žˆ๋‹ค. ์ด๋Š” ๋ฏธ๊ตญ ๊ฒฝ๊ธฐ์˜ ์™„๋งŒํ•œ ํšŒ๋ณต์„ธ์—๋„ ๋ถˆ๊ตฌํ•˜๊ณ  ๋”๋”˜ ๊ณ ์šฉ ํšŒ๋ณต๊ณผ ์†Œ๋“ ์ฆ๊ฐ€, ์ฃผํƒ ์••๋ฅ˜ ์‚ฌํƒœ ๋“ฑ์ด ์•…์žฌ ๋กœ ์ž‘์šฉํ•˜๋ฉด์„œ ๋ฏธ๊ตญ ์ฃผํƒ์‹œ์žฅ์ด ์—ฌ์ „ํžˆ ์นจ์ฒด์˜ ๋Šช์—์„œ ๋ฒ—์–ด๋‚˜์ง€ ๋ชปํ•˜๊ณ  ์žˆ์Œ์„ ํ™•์ธ์‹œ์ผœ์ฃผ๋Š” ์‹  ํ˜ธ๋กœ ํ•ด์„๋œ๋‹ค. S&P ์ง€์ˆ˜ ์‚ฐ์ถœ์œ„์›ํšŒ์˜ ๋ฐ์ด ๋น„๋“œ ๋ธ”๋ฆฌ์ฒ˜ ์œ„์›์žฅ์€ โ€œ์ด๋‹ฌ์˜ ์ˆ˜์น˜๋Š” ์ „๊ตญ ๋Œ€๋ถ€๋ถ„ ์ง€์—ญ์—์„œ ์ฃผ ํƒ๊ฐ€๊ฒฉ์ด `๋”๋ธ”๋”ฅโ€™ ํ˜„์ƒ์„ ๋ณด์ด ๋Š” ๊ฒƒ์„ ํ™•์ธํ•ด์ค€ ๊ฒƒโ€์ด๋ผ๋ฉด์„œ โ€œ ์ฃผํƒ๊ฐ€๊ฒฉ์€ ์กฐ๋งŒ๊ฐ„ ํšŒ๋ณต๋  ์กฐ์ง ์ด ๋ณด์ด์ง€ ์•Š๋Š” ๊ฐ€์šด๋ฐ ํ•˜๊ฐ• ๊ตญ ๋ฉด์„ ์ง€์†ํ•˜๊ณ  ์žˆ๋‹คโ€๊ณ  ๋งํ–ˆ๋‹ค. ํ•œํŽธ, ๋ฉ”์‚ฌ์ธ„์„ธ์ธ ์ฃผ์˜ ์ง‘๊ฐ’๋„ 2009๋…„ ๋Œ€๋น„ ์ง€์†์ ์ธ ํ•˜๋ฝ์„ธ๋ฅผ ๋ณด์ด๊ณ  ์žˆ๋‹ค. ๋ณธ์ง€ ์กฐ์‚ฌ์— ๋”ฐ๋ฅด ๋ฉด ๋ณด์Šคํ†ค์€ 2009๋…„ 5์›” ๊ธฐ์ค€ ํ‰ ๊ท  ์ง‘๊ฐ‘์ด 380K์—์„œ ์•ฝ 1.6% ๋น ์ง„ 374K๋กœ ํ•˜๋ฝํ–ˆ๊ณ  ๋‰ดํŠผ์€ 618K์—์„œ 585K๋กœ(5.34%), ๋ ‰ ์‹ฑํ„ด์€ 599K์—์„œ 581K๋กœ ์•ฝ 3%์ •๋„ ํ•˜๋ฝํ–ˆ๋‹ค. MA์ฃผ ๋Œ€๋ถ€ ๋ถ„์ด ํ‰๊ท  5%์ •๋„์˜ ์ง‘๊ฐ’ ํ•˜๋ฝ ์„ธ๋ฅผ ๋ณด์ด๊ณ  ์žˆ๋Š” ๋ฐ˜๋ฉด ์Šคํ”„๋งํ•„ ๋“œ, ์›จ์Šคํ„ด, ๋กœ์›ฐ ๋“ฑ์€ ํ‰๊ท ์น˜๋ฅผ ํ›จ์”ฌ ์œ—๋„๋Š” 10%์ด์ƒ์˜ ์ง‘๊ฐ’ ํ•˜ ๋ฝ์„ ๋ณด์˜€๋‹ค. (ํ‘œ ์ฐธ์กฐ) (๊ธฐ์‚ฌ : ํ•œ์ธํšŒ๋ณด)

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

781-325-3406

Tel: 508-584-5860 l 508-580-3946 (ํ•œ์ธ์ „์šฉ) FAX: 508-584-3674

mleeway@hotmail.com

528 Pleasant St. Suite 2, Brockton, MA 02301

Prescott & Son Insurance Agency

๊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€ ์ „ ๋ฏธ๊ตญ ์œก๊ตฐ ์‹ฌ๋ฌธ๊ด€

๊ตํ†ต์ƒํ•ด/์šด๋™์ƒํ•ด/์ง์žฅ์ƒํ•ด

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

์ž๋™์ฐจ๋ณดํ—˜/๊ฐ์ข…์œ ํ•™์ƒ๋ณดํ—˜/ ๊ฑด๊ฐ•๋ณดํ—˜

๋ณด์Šคํ†ค

15 N.E. Executive Park, Burington, MA 01803

ํ†ต์ฆ

TEL. 617-742-7707

์ƒ๋‹ด์ „ํ™”

Fax : 617-507-2696

ํฌ๋ฆฌ๋‹‰ ์›์žฅ : ์œค์ฐฝ

617-731-1004 524 Harvard St., Brookline, MA 02446


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