June 4 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

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 617.750.0207 / haninhoebo@gmail.com Vol.15 / No. 21

June. 4. 2014

๋ฐฑ๋งŒ๋ถˆ์ด์ƒ ็พŽ๊ณ„์ขŒ ํ•œ๊ตญ์— ์‹ ๊ณ ์•ˆํ•˜๋ฉดโ€ฆ ํ•œ๊ตญ ๊ตญ์„ธ์ฒญ, 6์›” ํ•œ๋‹ฌ๊ฐ„ ํ•œ๊ตญ ๊ตญ์„ธ์ฒญ ์ž์ง„ ์‹ ๊ณ  ์‹œํ–‰, ์œ„๋ฐ˜์‹œ ์ง•์—ญยท๋ฒŒ๊ธˆํ˜• ๋“ฑ ํ˜•์‚ฌ ์ฒ˜๋ฒŒ ๋‹จ ํ•œ๋ฒˆ์ด๋ผ๋„ 10์–ต์› ๋„˜์—ˆ์œผ๋ฉด ์‹ ๊ณ ํ•ด์•ผ, ํ•œ๊ตญ ๋‚ฉ์„ธ์˜๋ฌด ๋ฏธ์ฃผ ํ•œ์ธ ์˜์ฃผ๊ถŒ์ž๋„ ํฌํ•จ

์ง€๋‚œํ•ด ์›”๋ง ๊ธฐ์ค€ ๋‹จ ํ•œ ๋ฒˆ ์ด๋ผ๋„ ๋ฏธ๊ตญ ๋“ฑ ํ•ด์™ธ์— 10์–ต ์› ์ด์ƒ์˜ ๊ธˆ์œต๊ณ„์ขŒ๋ฅผ ๋ณด์œ ํ•œ ์ ์ด ์žˆ๋Š” ํ•œ๊ตญ์ธ์€ 6์›” ์ค‘ ํ•œ ๊ตญ ๊ตญ์„ธ์ฒญ์— ์ž์ง„ ์‹ ๊ณ ํ•ด์•ผ ํ•œ ๋‹ค. ์ด๋“ค ํ•œ๊ตญ์ธ ๋ฒ”์ฃผ์—” ํ•œ๊ตญ ์— ๋‚ฉ์„ธ์˜๋ฌด๋ฅผ ๊ฐ€์ง„ ๋ฏธ์ฃผ ํ•œ์ธ ์˜์ฃผ๊ถŒ์ž ๋“ฑ๋„ ํฌํ•จ๋œ๋‹ค. ์ด๋ฅผ ์–ด๊ธธ ๊ฒฝ์šฐ 2๋…„ ์ดํ•˜ ์ง•์—ญ ๋˜๋Š” ๋ฏธ์‹ ๊ณ ๊ธˆ์•ก์˜ 10% ๋ฒŒ๊ธˆํ˜• ๋“ฑ ํ˜•์‚ฌ์ฒ˜๋ฒŒ์„ ๋ฐ›๊ฒŒ

๋œ๋‹ค. ์ž‘๋…„๊นŒ์ง€๋Š” ์€ํ–‰ ๋ฐ ์ƒ ์žฅ์ฃผ์‹ ๊ณ„์ขŒ๋งŒ ์‹ ๊ณ  ๋Œ€์ƒ์ด์—ˆ ์ง€๋งŒ ์˜ฌํ•ด๋ถ€ํ„ฐ๋Š” ์ „ ๊ธˆ์œต๊ณ„์ขŒ ๋กœ ์‹ ๊ณ  ์˜๋ฌด๊ฐ€ ํ™•๋Œ€๋œ๋‹ค. ํ•œ ๋ฏธ ์–‘๊ตญ์— ์žฌ์‚ฐ์„ ๋‘๊ณ  ๋‚ฉ์„ธ๋ฅผ ํ”ผํ•˜๋Š” ์˜์ฃผ๊ถŒ์ž ๋“ฑ ํ•œ๊ตญ์— ๋‚ฉ ์„ธ์˜๋ฌด๊ฐ€ ์žˆ๋Š” ๋ชจ๋“  ํ•œ์ธ๋“ค๋„ ์‹ ๊ณ  ๋Œ€์ƒ์— ํฌํ•จ๋œ๋‹ค. ์ง€๋‚œ 1์ผ ํ•œ๊ตญ ๊ตญ์„ธ์ฒญ์— ๋”ฐ ๋ฅด๋ฉด ์˜ฌํ•ด ์‹ ๊ณ  ๋Œ€์ƒ ๋ฒ”์œ„ ๋ฐ ์ฒ˜๋ฒŒ ๊ฐ•๋„๊ฐ€ ๋Œ€ํญ ๊ฐ•ํ™”๋œ ํ•ด

์™ธ๊ธˆ์œต๊ณ„์ขŒ ์‹ ๊ณ ๊ฐ€ ์‹ค์‹œ๋œ๋‹ค. ์‹ ๊ณ  ๊ธฐ๊ฐ„์€ 6์›” ํ•œ๋‹ฌ ๋™์•ˆ์ด ๋‹ค. ์ง€๋‚œํ•ด ์›”๋ง ๊ธฐ์ค€ ๋‹จ ํ•œ๋ฒˆ ์ด๋ผ๋„ 10์–ต์› ์ด์ƒ ํ•ด์™ธ๊ธˆ ์œต๊ณ„์ขŒ๋ฅผ ๋ณด์œ ํ•œ ๋ฒ•์ธยท๊ฐœ์ธ ์€ ์ด ๊ธฐ๊ฐ„ ์ค‘ ๋ฐ˜๋“œ์‹œ ๊ด€ํ•  ์„ธ ๋ฌด์„œ ๋˜๋Š” ๊ตญ์„ธ์ฒญ ํ™ˆํŽ˜์ด์ง€๋ฅผ ํ†ตํ•ด ์ž์ง„ ์‹ ๊ณ ํ•ด์•ผ ํ•œ๋‹ค. ํ•ด์™ธ๊ธˆ์œต๊ณ„์ขŒ ์‹ ๊ณ ๋Š” 2011 ๋…„ ์ฒ˜์Œ ๋„์ž…๋์ง€๋งŒ ์˜ฌํ•ด๋Š” ์‹  ๊ณ  ๋Œ€์ƒ์ด ๋Œ€ํญ ํ™•๋Œ€๋˜๊ณ , ์ฒ˜

๋ฒŒ ๊ทœ์ •์ด ๊ฐ•ํ™”๋๋‹ค. ์ œ๋ณด์ž ์— ๋Œ€ํ•œ ํฌ์ƒ๊ธˆ๋„ ํฌ๊ฒŒ ๋Š˜์—ˆ ๋‹ค. ์šฐ์„  ์‹ ๊ณ  ๋Œ€์ƒ ๊ธˆ์œต๊ณ„์ขŒ ๊ฐ€ ์ „ ๊ณ„์ขŒ๋กœ ํ™•๋Œ€ ์‹ค์‹œ๋œ๋‹ค. ์ž‘๋…„์—๋Š” ์€ํ–‰ ๊ด€๋ จ ๊ณ„์ขŒ, ์ƒ ์žฅ์ฃผ์‹ ๊ณ„์ขŒ๋งŒ ํ•ด๋‹น๋์œผ๋‚˜ ์˜ฌ ํ•ด๋Š” ๋ณดํ—˜, ์ฑ„๊ถŒ, ๋น„์ƒ์žฅ์ฃผ์‹, ํŒŒ์ƒ์ƒํ’ˆ ๋“ฑ ์ „ ๊ธˆ์œต๊ณ„์ขŒ๊ฐ€ ๋Œ€ ์ƒ์ด๋‹ค. ์‹ ๊ณ  ๋Œ€์ƒ ๊ณ„์ขŒ์˜ ์ž ์‚ฐ ํ•ฉ๊ณ„๊ฐ€ ์ง€๋‚œํ•ด ๋งค์›” ๋งˆ์ง€ ๋ง‰ ๋‚ ์„ ๊ธฐ์ค€์œผ๋กœ ์–ด๋Š ํ•˜๋ฃจ ๋ผ๋„ 10์–ต์›์„ ๋„˜์—ˆ์œผ๋ฉด ์ „ ๊ณ„์ขŒ๋ฅผ ์‹ ๊ณ ํ•ด์•ผ ํ•œ๋‹ค. ๊ณ„์ขŒ ์ž”์•ก์ด ๊ฐ€์žฅ ๋งŽ์•˜์„ ๋•Œ๋ฅผ ๊ธฐ ์ค€์œผ๋กœ ๊ณ„์ขŒ ํ•ฉ๊ณ„์•ก์„ ์‹ ๊ณ ํ•˜ ๋ฉด ๋œ๋‹ค. ์‹ ๊ณ ์˜๋ฌด์ž๊ฐ€ ๋ฏธ์‹ ๊ณ ํ•œ ๊ธˆ ์•ก์ด 50์–ต์›์„ ์ดˆ๊ณผํ•˜๋ฉด ๊ตญ ์„ธ์ •๋ณด๊ณต๊ฐœ์‹ฌ์˜์œ„์›ํšŒ ์‹ฌ์˜ ๋ฅผ ๊ฑฐ์ณ ์„ฑ๋ช…, ๋‚˜์ด, ์ง์—…, ์ฃผ ์†Œ ๋“ฑ ์ธ์ ์‚ฌํ•ญ์ด ๊ณต๊ฐœ๋  ์ˆ˜ ์žˆ๋‹ค. ๋˜ 2๋…„ ์ดํ•˜ ์ง•์—ญ ๋˜๋Š” ๋ฏธ์‹ ๊ณ ๊ธˆ์•ก์˜ 10%์— ํ•ด๋‹นํ•˜ ๋Š” ๋ฒŒ๊ธˆํ˜• ๋“ฑ ํ˜•์‚ฌ์ฒ˜๋ฒŒ๋„ ๋ฐ› ๊ฒŒ ๋œ๋‹ค. ๋ฒ•์ธ์ด ์‹ ๊ณ  ์˜๋ฌด๋ฅผ ์œ„๋ฐ˜ํ•  ๊ฒฝ์šฐ์—” ๋ฒ•์ธ ๋Œ€ํ‘œ๋„ ํ•จ ๊ป˜ ์ฒ˜๋ฒŒ์„ ๋ฐ›๋Š”๋‹ค. ๊ณ„์ขŒ๋ฅผ ๋‘ ๋ช… ์ด์ƒ์ด ๊ณต๋™๋ช…์˜๋กœ ๋ณด์œ ํ•˜

#1 Lender in Massachusetts!

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

EXCELLENT RATES | LOW CLOSING COSTS | ADVICE YOU CAN TRUST Call me today for a free pre-approval!

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

F (617) 395-6865 | Kakao Talk ID: ezerlee elee@mortgagemaster.com | www.mortgagemaster.com/elee

P (781) 591-2722

๊ณ  ์žˆ์„ ๊ฒฝ์šฐ ์ง€๋ถ„๋Œ€๋กœ ๊ณ„์ขŒ ์ž”์•ก์„ ๊ณ„์‚ฐํ•˜๋Š” ๊ฒƒ์ด ์•„๋‹ˆ๋ผ ํ•ด๋‹น ๊ณ„์ขŒ ์ž”์•ก ์ „๋ถ€๋ฅผ ๊ฐ์ž ๊ฐ€ ๊ฐ–๊ณ  ์žˆ๋Š” ๊ฒƒ์œผ๋กœ ๊ฐ„์ฃผํ•œ ๋‹ค. ๊ณ„์ขŒ ๊ณต๋™์†Œ์œ ์ž๋“ค์ด ์ „ ์ฒด ๊ธˆ์•ก์„ ๊ฐ๊ฐ ์‹ ๊ณ ํ•ด์•ผ ํ•œ ๋‹ค๋Š” ์–˜๊ธฐ๋‹ค. ๊ตญ์„ธ์ฒญ์€ ์„ฑ์‹ค์‹ ๊ณ ๋ฅผ ์œ ๋„ ํ•˜๊ธฐ ์œ„ํ•ด ๋ฏธ์‹ ๊ณ  ํ•ด์™ธ๊ธˆ์œต๊ณ„ ์ขŒ๋ฅผ ์„ธ๋ฌด์„œ์— ์ œ๋ณดํ•  ๊ฒฝ์šฐ ํฌ ์ƒ๊ธˆ์„ ์ง€๊ธ‰ํ•ด์™”๋Š”๋ฐ ์˜ฌํ•ด๋Š” ์ œ๋ณด์ž์— ๋Œ€ํ•œ ํฌ์ƒ๊ธˆ์„ ๋Œ€ํญ ์˜ฌ๋ ธ๋‹ค. ์ž‘๋…„๊นŒ์ง€๋Š” ํ•ด์™ธ๊ณ„์ขŒ ์‹ ๊ณ  ํฌ์ƒ๊ธˆ ์ตœ๋Œ€ ์ง€๊ธ‰์•ก์ด 10์–ต์›์ด์—ˆ์œผ๋‚˜ ์˜ฌํ•ด๋ถ€ํ„ฐ๋Š” 20์–ต์›์œผ๋กœ ์ƒํ–ฅ ์กฐ์ •ํ–ˆ๋‹ค. ํ•œํŽธ ์ง€๋‚œํ•ด ๋ฏธ๊ตญ ๋“ฑ ํ•ด์™ธ๊ธˆ ์œต๊ฒŒ์ขŒ์— ํ•˜๋ฃจ๋ผ๋„ 10์–ต์› ์ด ์ƒ์„ ์˜ˆ์น˜ํ•œ ์ ์ด ์žˆ๋‹ค๊ณ  ์‹ ๊ณ  ํ•œ ๋‚ฉ์„ธ์ž๋Š” ์ด ๊ฐœ์ธ 310๋ช…, ๋ฒ•์ธ 368๊ฐœ์ด๋ฉฐ ํ•ด์™ธ๊ณ„์ขŒ์— ๋งก๊ฒจ์ง„ ๋ˆ์€ ์ด 22์กฐ8000์–ต ์›์œผ๋กœ ์ง‘๊ณ„๋๋‹ค. ์ด ๊ฐ€์šด๋ฐ ๋ฏธ๊ตญ๋‚ด์— 10์–ต์› ์ด์ƒ์˜ ๊ธˆ ์œต๊ณ„์ขŒ๊ฐ€ ์žˆ๋‹ค๊ณ  ์‹ ๊ณ ํ•œ ๊ฐœ์ธ ์€ 158๋ช…, 6582์–ต์›์œผ๋กœ ๊ตญ ๊ฐ€๋ณ„ ์ง‘๊ณ„์—์„œ ๊ฐ€์žฅ ๋งŽ์•˜๋‹ค.

๋‰ด์Šคํƒ€ ๋ถ€๋™์‚ฐ

์ฃผํƒ/์ฝ˜๋„ ๋น„์ง€๋‹ˆ์Šค/๊ฑด๋ฌผ

617-921-6979

MA LIC # MLO859995

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

Languages: English & Korean

Ezer Lee

44 Trapelo Road, Belmont, MA 02478

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€

์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

ClaraPaik.com clarapaik@newstarrealty.com


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