Mar 26 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. 12

March. 26. 2014

โ€œํ•ต๋ฌด๊ธฐ์—†๋Š” ์„ธ์ƒ, ํ•œ๋ฐ˜๋„์„œ ์‹œ์ž‘๋ผ์•ผโ€ ๋ฐ•๊ทผํ˜œ ๋Œ€ํ†ต๋ น, ํ—ค์ด๊ทธ ํ•ต์ •์ƒํšŒ์˜ ๊ฐœํšŒ์‹์„œ ๊ธฐ์กฐ์—ฐ์„คโ€ฆํ•ต์•ˆ๋ณด ๋ฐœ์ „์œ„ํ•œ 4๋Œ€ ์ œ์•ˆ

์ œ3์ฐจ ํ•ต์•ˆ๋ณด์ •์ƒํšŒ์˜ ์ฐธ์„ํ•œ ๋ฐ•๊ทผํ˜œ ๋Œ€ํ†ต๋ น์ด ์ „์ž„ ์˜์žฅ๊ตญ ์ •์ƒ์˜ ์ž๊ฒฉ์œผ๋กœ ๊ฐœํšŒ์‹ ๊ธฐ์กฐ์—ฐ์„ค์„ ํ•˜๊ณ  ์žˆ๋‹ค.

๋ฐ•๊ทผํ˜œ ๋Œ€ํ†ต๋ น์€ ๋„ค๋œ๋ž€๋“œ ํ—ค์ด๊ทธ์—์„œ ์—ด๋ฆฐ ํ•ต์•ˆ๋ณด์ •์ƒ ํšŒ์˜ ๊ฐœํšŒ์‹์—์„œ โ€œํ•ต์•ˆ๋ณด์™€ ํ•ต๊ตฐ์ถ•, ํ•ต๋น„ํ™•์‚ฐ์ด ์„œ๋กœ ์‹œ๋„ˆ ์ง€๋ฅผ ๊ฐ–๋„๋ก ํ•˜๋Š” ํ†ตํ•ฉ์  ์ ‘๊ทผ ์ด ํ•„์š”ํ•˜๋‹คโ€๋ฉด์„œ ํ•ตํ…Œ๋Ÿฌ ์œ„ ํ˜‘์— ๋Œ€์‘ํ•˜๋ ค๋Š” ๊ตญ์ œ ํ•ต์•ˆ๋ณด

์ฒด์ œ์˜ ๋ฐœ์ „์„ ์œ„ํ•œ 4๊ฐœํ•ญ์„ ์ œ์•ˆํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€˜ํ•ต์˜ ํ‰ํ™”์  ์ด์šฉ๊ณผ ๋น„ํ™•์‚ฐโ€™์„ ์ฃผ์ œ๋กœ ํ—ค ์ด๊ทธ ์›”๋“œํฌ๋Ÿผ์—์„œ ์ดํ‹€๊ฐ„ ์—ด ๋ฆฌ๋Š” ์ด๋ฒˆ ํšŒ์˜์˜ ๊ธฐ์กฐ์—ฐ์„ค์— ์„œ ํ•ต์•ˆ๋ณด์™€ ํ•ต๊ตฐ์ถ•, ํ•ต๋น„ํ™•์‚ฐ

์ด๊ฒฝํ•ด ๋ถ€๋™์‚ฐ

#1 Lender in Massachusetts!

๋น„์ฆˆ๋‹ˆ์Šค ์ „๋ฌธ ๋ธŒ๋กœ์ปค

Call me today for a free pre-approval!

์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

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€

์›์ž๋ ฅ๊ธฐ๊ตฌ๊ฐ€ ์ค‘์‹ฌ์ด ๋ผ ๋ฐฉ์–ด ์ง€์นจ๊ณผ ์‹œ์Šคํ…œ์„ ๊ฐœ๋ฐœํ•˜๊ณ  ๊ฐ ๊ตญ์ด ์ž๊ตญ ์ƒํ™ฉ์— ๋งž๋Š” ๋ฐฉํ˜ธ์ฒด ์ œ๋ฅผ ๊ตฌ์ถ•ํ•˜์žโ€๊ณ  ์ œ์•ˆํ–ˆ๋‹ค. ์ด์–ด ๋ฐ• ๋Œ€ํ†ต๋ น์€ ๋ถํ•ต ๋ฌธ ์ œ์™€ ๊ด€๋ จ, โ€œ์ €๋Š” ๋ถํ•ต๋ฌธ์ œ๋ฅผ ํ•ด๊ฒฐํ•˜๋Š” ๊ฒƒ์ด ํ•ต๋ฌด๊ธฐ ์—†๋Š” ์„ธ ์ƒ์„ ๋งŒ๋“œ๋Š”๋ฐ ๊ผญ ํ•„์š”ํ•˜๊ณ  ๊ทธ ๋ž˜์„œ ํ•ต๋ฌด๊ธฐ ์—†๋Š” ์„ธ์ƒ์˜ ๋น„์ „ ์€ ํ•œ๋ฐ˜๋„์—์„œ ์‹œ์ž‘๋ผ์•ผ ํ•œ๋‹ค ๋Š” ์‹ ๋…์„ ๊ฐ–๊ณ  ์žˆ๋‹คโ€๊ณ  ๋งํ–ˆ ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€œ์ง€๊ธˆ ๋ถํ•œ์€ ํ•ต๋ฌด๊ธฐ๋น„ํ™•์‚ฐ์กฐ์•ฝ(NPT)๊ณผ ์œ ์—” ์•ˆ๋ณด๋ฆฌ ๊ฒฐ์˜ ๋“ฑ์„ ์–ด๊ธฐ๊ณ  ํ•ต๊ฐœ๋ฐœ์„ ์ถ”์ง„ํ•˜๋ฉด์„œ ํ•ต๋Šฅ๋ ฅ ์„ ๊ณ ๋„ํ™”ํ•˜๊ณ  ์žˆ๋‹คโ€๋ฉฐ โ€œ๋งŒ ์•ฝ ๋ถํ•œ์˜ ํ•ต๋ฌผ์งˆ์ด ํ…Œ๋Ÿฌ์ง‘๋‹จ ์— ์ด์ „๋œ๋‹ค๋ฉด ์„ธ๊ณ„ ํ‰ํ™”์— ํฐ ๋ฌธ์ œ๊ฐ€ ๋  ๊ฒƒโ€์ด๋ผ๊ณ  ์ง€์ ํ–ˆ ๋‹ค. ๊ทธ๋Ÿฌ๋ฉด์„œ โ€œ์ง€๊ธˆ ๋ถํ•œ์˜ ์˜๋ณ€์—๋Š” ๋งŽ์€ ํ•ต์‹œ์„ค์ด ์ง‘์ค‘ ๋ผ ์žˆ๋Š”๋ฐ ํ•œ ๊ฑด๋ฌผ์—์„œ ํ™”์žฌ๊ฐ€ ๋‚˜๋ฉด ์ฒด๋ฅด๋…ธ๋นŒ๋ณด๋‹ค ๋” ์‹ฌ๊ฐํ•œ ํ•ต์žฌ์•™์œผ๋กœ ์ด์–ด์งˆ ๊ฒƒโ€์ด๋ผ ๋ฉฐ โ€œ์ด๋ ‡๊ฒŒ ๋ถํ•œ์˜ ํ•ตํ”„๋กœ๊ทธ ๋žจ์€ ๋น„ํ™•์‚ฐ๊ณผ ํ•ต์•ˆ๋ณด, ํ•ต์•ˆ์ „ ๋“ฑ ๋ชจ๋“  ์ธก๋ฉด์—์„œ ์‹ฌ๊ฐํ•œ ์šฐ๋ ค ์˜ ๋Œ€์ƒ์ธ ๋งŒํผ ์„ธ๊ณ„ํ‰ํ™”์™€ ์•ˆ ์ „์„ ์œ„ํ•ด ๋ฐ˜๋“œ์‹œ ํ๊ธฐ๋ผ์•ผ ํ•œ ๋‹คโ€๊ณ  ๊ฐ•์กฐํ–ˆ๋‹ค.

๋‰ด์Šคํƒ€

EXCELLENT RATES | LOW CLOSING COSTS | ADVICE YOU CAN TRUST

์ƒ๊ฐ€ ํˆฌ์ž์šฉ E2 ๋น„์ž ์‚ฌ์—…์ฒด ๋ฌด๋ฃŒ ์ƒ๋‹ด 1.800.867.9000 / Cell.508.962.2689 kayleebrokers@aol.com

์˜ ์‹œ๋„ˆ์ง€๋ฅผ ์œ„ํ•œ ํ†ตํ•ฉ์  ์ ‘๊ทผ ์™ธ์— โ–ฒํ•ต์•ˆ๋ณด์— ๊ด€ํ•œ ์ง€์—ญํ˜‘ ์˜ ๋ฉ”์ปค๋‹ˆ์ฆ˜์˜ ์ ๊ทน ๋ชจ์ƒ‰ โ–ฒํ•ต ์•ˆ๋ณด ๋ถ„์•ผ ๊ตญ๊ฐ€๋“ค ์‚ฌ์ด์˜ ์—ญ๋Ÿ‰ ๊ฒฉ์ฐจ ํ•ด์†Œ โ–ฒ์›์ „ ์‹œ์„ค์— ๋Œ€ํ•œ ์‚ฌ์ด๋ฒ„ํ…Œ๋Ÿฌ ๋Œ€์‘๋ฐฉ์•ˆ ๊ฐ•๊ตฌ ๋“ฑ ์˜ ๊ตฌ์ƒ์„ ๋‚ด๋†“์•˜๋‹ค.

๋จผ์ € ํ†ตํ•ฉ์  ์ ‘๊ทผ๊ณผ ๊ด€๋ จ, ๋ฐ• ๋Œ€ํ†ต๋ น์€ โ€œํ•ตํƒ„๋‘๋ฅผ ํ•ด์ฒด ํ•ด ๋‚˜์˜จ ํ•ต๋ฌด๊ธฐ 2๋งŒ๊ฐœ์— ํ•ด๋‹น ํ•˜๋Š” ๊ณ ๋†์ถ•์šฐ๋ผ๋Š„(HEU)์ด ๋„์‹œ๋ฅผ ๋ฐํžˆ๋Š” ์ „๊ธฐ๋กœ ์ „ํ™˜๋ ๋Š”๋ฐ ์ด๊ฒƒ์ด์•ผ๋ง๋กœ โ€˜๋ฌด๊ธฐ๋ฅผ ์Ÿ๊ธฐ๋กœ ๋งŒ๋“  ๊ฒƒโ€™โ€์ด๋ผ๋ฉฐ โ€œ ๊ตญ์ œ์‚ฌํšŒ๋Š” ํ˜„์กด ์œ„ํ—˜ ํ•ต๋ฌผ์งˆ ์˜ ์ œ๊ฑฐ์— ๋”ํ•ด ๋ฌด๊ธฐ๊ธ‰ ํ•ต๋ฌผ์งˆ ์„ ์ƒ์‚ฐํ•˜์ง€ ์•Š๋Š” โ€˜ํ•ต๋ถ„์—ด๋ฌผ ์งˆ ์ƒ์‚ฐ๊ธˆ์ง€์กฐ์•ฝโ€™(FMCT) ์˜ ์ฒด๊ฒฐ์„ ์„œ๋‘๋ฅด์žโ€๊ณ  ๋งํ–ˆ ๋‹ค. ๋˜ ํ•ต์•ˆ๋ณด์— ๊ด€ํ•œ ์ง€์—ญํ˜‘์˜ ๋ฉ”์ปค๋‹ˆ์ฆ˜์— ๋Œ€ํ•ด์„œ๋Š” โ€œ๋™๋ถ ์•„ ์ง€์—ญ์— ์ „์„ธ๊ณ„ ์›์ „์˜ 23% ๊ฐ€ ์žˆ๋Š”๋ฐ ์ด์ฒ˜๋Ÿผ ์›์ „ ๋ฐ€์ง‘๋„ ๊ฐ€ ๋†’์€ ์ง€์—ญ์—์„œ ํ•ต์•ˆ๋ณด ์ง€์—ญ ํ˜‘์˜์ฒด๊ฐ€ ๊ตฌ์„ฑ๋œ๋‹ค๋ฉด ์›์ „์‹œ ์„ค์— ๋Œ€ํ•œ ๋ฐฉํ˜ธ๋Š” ๋ฌผ๋ก  ๊ตญ๊ฐ€๊ฐ„ ์‹ ๋ขฐ์ฆ์ง„์—๋„ ๊ธฐ์—ฌํ•  ๊ฒƒโ€์ด ๋ผ๊ณ  ๊ฐ•์กฐํ–ˆ๋‹ค. ๋ฐ• ๋Œ€ํ†ต๋ น์€ ํ•ต์•ˆ๋ณด ์—ญ๋Ÿ‰๊ฒฉ ์ฐจ ํ•ด์†Œ์™€ ๊ด€๋ จํ•ด์„œ๋Š” โ€œ๋ฌด๊ธฐ ๊ธ‰ ๊ณ ๋†์ถ•์šฐ๋ผ๋Š„์„ ๋Œ€์ฒดํ•˜๋Š” ๊ณ ๋ฐ€๋„์ €๋†์ถ•์šฐ๋ผ๋Š„(LEU) ํ•ต์—ฐ๋ฃŒ์™€ ๊ฐ™์ด ์ฐฝ์กฐ์  ํ˜์‹ ๊ธฐ ์ˆ  ๊ฐœ๋ฐœ์— ๋Œ€ํ•œ ํ˜‘๋ ฅ๋„ ์žฅ๋ คํ•ด ์•ผ ํ•  ๊ฒƒโ€์ด๋ผ๊ณ  ํ–ˆ๊ณ , ์›์ „ ์‹œ์„ค์— ๋Œ€ํ•œ ์‚ฌ์ด๋ฒ„ ํ…Œ๋Ÿฌ ๋Œ€์‘ ๋ฐฉ์•ˆ ๊ฐ•๊ตฌ์— ๋Œ€ํ•ด์„œ๋Š” โ€œ๊ตญ์ 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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Mar 26 2014 hanin all small by jinyoung park - Issuu