Nov 26 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

ginachoi@newstarrealty.com

annajung@newstarrealty.com ํšŒ์žฅ/๋ฐœํ–‰์ธ : ํ•œ์„ ์šฐ

November. 26. 2014

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 617.750.0207 / haninhoebo@gmail.com Vol.15 / No. 44

ํผ๊ฑฐ์Šจ์‹œ, ํ‘์ธ์†Œ๋…„ ์‚ดํ•ด ๊ฒฝ๊ด€ ๋ถˆ๊ธฐ์†Œ์— ์†Œ์š” ํ™•์‚ฐ ๋น„๋ฌด์žฅ ํ‘์ธ ์ฒญ๋…„ ์‚ฌ์‚ดํ•œ ๋ฐฑ์ธ ๊ฒฝ๊ด€ ๋ถˆ๊ธฐ์†Œ ๊ฒฐ์ •์— ๋ถ„๋…ธ, ํผ๊ฑฐ์Šจ์‹œ ํ•œ์ธ๋“ค ๋‹น์žฅ์€ ํ”ผํ•ด ์—†๋Š” ๋“ฏ... ์ด์—, ๋ฒ„๋ฝ ์˜ค๋ฐ”๋งˆ ๋ฏธ๊ตญ ๋Œ€ํ†ต๋ น์€ ๋Œ€๋ฐฐ์‹ฌ์˜ ๋ถˆ๊ธฐ์†Œ ๊ฒฐ ์ •์ด ๋‚ด๋ ค์ง„ ์งํ›„ ๋ฐœํ‘œํ•œ ์„ฑ ๋ช…์—์„œ ๊ตฐ์ค‘๋“ค์— ์นจ์ฐฉํ•  ๊ฒƒ์„ ์ด‰๊ตฌํ–ˆ๋‹ค. ์˜ค๋ฐ”๋งˆ ๋Œ€ํ†ต๋ น์€ ์ผ๋ถ€ ๋ฏธ๊ตญ์ธ๋“ค์ด ์ด๋ฒˆ ๊ฒฐ์ •์— ํฌ๊ฒŒ ์‹ค๋งํ•˜๊ณ  ์‹ฌ์ง€์–ด ๋ถ„๋…ธํ•˜ ๋Š” ๊ฒƒ์„ ์ดํ•ดํ•˜์ง€๋งŒ โ€œ๋ฏธ๊ตญ์€ ๋ฒ•์˜ ์ง€๋ฐฐ ์œ„์— ์„ธ์›Œ์ง„ ๊ตญ๊ฐ€ ์ธ ๋งŒํผ ์ด๋ฒˆ ๊ฒฐ์ •์„ ๋ฐ›์•„๋“ค ์ผ ํ•„์š”๊ฐ€ ์žˆ๋‹คโ€๊ณ  ๋งํ–ˆ๋‹ค. ์ด๋Ÿฐ ๊ฐ€์šด๋ฐ ํผ๊ฑฐ์Šจ ์‹œ ์—์„œ๋Š” ๋ถˆ๊ธฐ์†Œ ๊ฒฐ์ •์— ๋ถ„๋…ธํ•œ

์ผ๋ถ€ ์‹œ์œ„๋Œ€๊ฐ€ ๊ฒฝ์ฐฐ์ฐจ์˜ ์ฐฝ๋ฌธ ์„ ๋ถ€์ˆ˜๊ณ  ๋Œ์„ ๋˜์ง€๋Š” ๋“ฑ ๊ฒฉ ๋ ฌํ•˜๊ฒŒ ํ•ญ์˜ ์‹œ์œ„๋ฅผ ๋ฒŒ์ด๊ณ  ์žˆ๋‹ค. ๋˜ ๋ฐฉํ™”๋กœ ๋ณด์ด๋Š” ๋ถˆ๊ธธ์ด ์น˜์†Ÿ๋Š” ์žฅ๋ฉด๊ณผ ์ผ๋ถ€ ๊ตฐ์ค‘์ด ์ƒ์ ์„ ์•ฝํƒˆํ•˜๋Š” ๋ชจ์Šต ๋“ฑ๋„ ๋ชฉ๊ฒฉ๋๋‹ค. ์„ธ์ธํŠธ๋ฃจ์ด์Šค ์นด์šด ํ‹ฐ ๊ฒฝ์ฐฐ์€ ํผ๊ฑฐ์Šจ ๊ฒฝ์ฐฐ์„œ ๋ถ€ ๊ทผ์— ๋ชจ์—ฌ๋“  ๊ตฐ์ค‘์„ ํ•ด์‚ฐํ•˜๊ธฐ ์œ„ํ•ด ์ตœ๋ฃจํƒ„์„ ๋ฐœ์‚ฌํ–ˆ๋‹ค๊ณ  ๋ฐ ํ˜”๋‹ค. (์ถœ์ฒ˜: ์—ฐํ•ฉ๋‰ด์Šค)

ํผ๊ฑฐ์Šจ์‹œ ํ•œ์ธ๋“ค ๋‹น์žฅ์€ ํ”ผํ•ด ์—†๋Š” ๋“ฏ...

ํผ๊ฑฐ์Šจ์‹œ, ์•ฝํƒˆ ๋“ฑ ์†Œ์š”: (AP=์—ฐํ•ฉ๋‰ด์Šค) ๋ฏธ๊ตญ ๋ฏธ์ฃผ๋ฆฌ์ฃผ ์„ธ์ธํŠธ๋ฃจ์ด์Šค ์นด์šดํ‹ฐ ๋Œ€๋ฐฐ์‹ฌ์ด ์ง€๋‚œ 8์›” ํ‘์ธ ์ฒญ๋…„ ์„ ์‚ฌ์‚ดํ•œ ๋ฐฑ์ธ ๊ฒฝ๊ด€์— ๋Œ€ํ•ด ๋ถˆ๊ธฐ์†Œ ๊ฒฐ์ •์„ ๋‚ด๋ฆฐ ๊ฐ€์šด๋ฐ 24์ผ(ํ˜„์ง€์‹œ๊ฐ„) ์ด ์ฃผ์˜ ํผ๊ฑฐ์Šจ์‹œ ์ƒ๊ฐ€์—์„œ ์•ฝํƒˆํ–‰ ์œ„๊ฐ€ ์žํ–‰๋˜๊ณ  ์žˆ๋‹ค.

๋ฏธ์ฃผ๋ฆฌ ์ฃผ ์„ธ์ธํŠธ๋ฃจ์ด์Šค ์นด ์šดํ‹ฐ ๋Œ€๋ฐฐ์‹ฌ์ด ๋น„๋ฌด์žฅ ํ‘์ธ ์ฒญ ๋…„์„ ์ด์œผ๋กœ ๋ฌด์ฐธํžˆ ์‚ฌ์‚ดํ•œ ๋ฐฑ ์ธ ๊ฒฝ๊ด€์— ๋Œ€ํ•ด ๋ถˆ๊ธฐ์†Œ ๊ฒฐ์ •์„ ๋‚ด๋ ธ๋‹ค. CNN ๋“ฑ ๋ฏธ๊ตญ ์–ธ๋ก ์— ์ƒ ์ค‘๊ณ„๋˜๋Š” ๊ฐ€์šด๋ฐ ๋Œ€๋ฐฐ์‹ฌ์˜ ๊ฒฐ ์ •์„ ๋Œ€๋…ํ•œ ๋งค์ปฌ๋Ÿฌํฌ ๊ฒ€์‚ฌ๋Š”

๋ธŒ๋ผ์šด์ด ์œŒ์Šจ ๊ฒฝ๊ด€์—๊ฒŒ ๋ฌผ๋ณ‘ ์„ ๋˜์ ธ ์Šน๊ฐ•์ด๋ฅผ ์œ ๋ฐœํ–ˆ๋‹ค๋ฉฐ ์ดํ›„ ์‚ฌ๊ฑด ๊ฐœ์š”์™€ ์ฆ๊ฑฐ๋ฅผ ๋ณผ ๋•Œ ์œŒ์Šจ ๊ฒฝ๊ด€์—๊ฒŒ ์ฃ„๋ฅผ ๋ฌผ์„๋งŒ ํ•œ ๊ทผ๊ฑฐ๊ฐ€ ์—†๋‹ค๊ณ  ๋งํ–ˆ๋‹ค. ๊ฒ€์‚ฌ ์ธก์€ ๋ชฉ๊ฒฉ์ž 60๋ช…์œผ ๋กœ๋ถ€ํ„ฐ 70์‹œ๊ฐ„ ๋ถ„๋Ÿ‰์˜ ์ฆ์–ธ์„ ์ฒญ์ทจํ•  ์ •๋„๋กœ ์ตœ์„ ์„ ๋‹คํ•ด ์กฐ

์‚ฌํ–ˆ๋‹ค๋ฉด์„œ ๊ณต์ •ํ•œ ์กฐ์‚ฌ๊ฐ€ ์ด ๋ค„์กŒ๋‹ค๊ณ  ๊ฐ•์กฐํ–ˆ๋‹ค. ๋ธŒ๋ผ์šด์ด ์–‘์†์„ ๋จธ๋ฆฌ ์œ„ ๋กœ ๋“  ์ƒํƒœ์—์„œ ์ตœ์†Œ 6๋ฐœ ์ด์ƒ ์„ ๋งž๊ณ  ์‚ฌ๋งํ–ˆ์Œ์—๋„ ๋Œ€๋ฐฐ์‹ฌ ์ด ๋ถˆ๊ธฐ์†Œ ๊ฒฐ์ •์„ ๋‚ด๋ฆผ์— ๋”ฐ๋ผ ์‹œ์œ„๋Œ€์˜ ์ €ํ•ญ์€ ์‰ฝ๊ฒŒ ๋ˆ„๊ทธ๋Ÿฌ ์ง€์ง€ ์•Š์„ ๊ฒƒ์œผ๋กœ ๋ณด์ธ๋‹ค.

๋ฏธ์ฃผ๋ฆฌ ์ฃผ ์„ธ์ธํŠธ๋ฃจ์ด์Šค ๋™ํฌ์‚ฌํšŒ๋ฅผ ๋Œ€ํ‘œํ•˜๋Š” ์กฐ์›๊ตฌ (68) ํ•œ์ธํšŒ์žฅ์€ 24์ผ ์„ธ์ธ ํŠธ๋ฃจ์ด์Šค ์ธ๊ทผ ์†Œ๋„์‹œ ํผ๊ฑฐ์Šจ ์—์„œ ๋‹ค์‹œ ๋ฐœ์ƒํ•œ ์†Œ์š”์‚ฌํƒœ๋กœ ํ”ผํ•ด๋ฅผ ๋ณธ ํ•œ์ธ ์ƒ์ ์€ ์•„์ง ์€ ์—†๋Š” ๊ฒƒ ๊ฐ™๋‹ค๊ณ  ๋งํ–ˆ๋‹ค. ์กฐ ํšŒ์žฅ์€ ์ด๋‚  โ€œ๋ถˆ์ด ๋‚œ ํผ๊ฑฐ์Šจ ๊ฒฝ์ฐฐ์„œ ์ชฝ์€ ํ•œ์ธ ์ƒ ์  ๋ฐ€์ง‘๊ตฌ์—ญ๊ณผ๋Š” ์ข€ ๋–จ์–ด์ง„ ๊ณณโ€์ด๋ผ๋ฉฐ โ€œ๊ทธ๋Ÿฌ๋‚˜ ์ž์„ธํ•œ ํ”ผํ•ด ์ƒํ™ฉ์€ ๋‚ด์ผ ํ•ด๊ฐ€ ๋– ์•ผ ์•Œ ์ˆ˜ ์žˆ๋‹คโ€๊ณ  ์„ค๋ช…ํ–ˆ๋‹ค. ๊ทธ๋Š” ์•ผ๊ฐ„์— ์ƒ์ ์ด ํ„ธ๋ฆฌ ๋ฉด ๋ฐฉ๋ฒ” ํšŒ์‚ฌ ๋˜๋Š” ๊ฒฝ์ฐฐ์˜ ์‹  ๊ณ ๋กœ๋งŒ ์ ˆ๋„ ์‚ฌ์‹ค์„ ์ ‘ํ•  ์ˆ˜

#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

์žˆ์ง€๋งŒ ๊ฒฝ์ฐฐ์˜ ์†๊ธธ์ด ๋ฏธ์น˜ ์ง€ ์•Š๋Š” ์ง€์—ญ๋„ ์žˆ๊ธฐ ๋•Œ๋ฌธ์— ์‚ฌํƒœ๊ฐ€ ์ง„์ •๋œ ํ›„ ๋˜๋Š” ์‹œ์œ„ ๋Œ€์˜ ์›€์ง์ž„์ด ์ž ์ž ํ•œ ์˜ค์ „์ด ๋ผ์•ผ ์ •ํ™•ํ•œ ํ”ผํ•ด ์ •๋„๋ฅผ ํŒŒ ์•…ํ•  ์ˆ˜ ์žˆ๋‹ค๊ณ  ๋ง๋ถ™์˜€๋‹ค. ํ•œํŽธ, ํ‘์ธ ์ฒญ๋…„ ๋งˆ์ดํด ๋ธŒ ๋ผ์šด์ด ๋ฐฑ์ธ ๊ฒฝ๊ด€ ๋Œ€๋Ÿฐ ์œŒ์Šจ ์˜ ์ด์— ์‚ฌ๋งํ•œ ์ง€๋‚œ 8์›” 9์ผ ์ดํ›„ ๋‚˜ํ˜๊ฐ„ ์•ฝํƒˆ์ด ์ด์–ด์ง€๋ฉด ์„œ ํ•œ์ธ ์ƒ์  3~4๊ณณ์ด ํ”ผํ•ด ๋ฅผ ๋ดค๋‹ค. ๋‹น์‹œ ํ˜ผ๋ž€์„ ํ‹ˆํƒ„ ์ผ ๋ถ€ ์‹œ์œ„๋Œ€๊ฐ€ ๋ฌด์ž‘์ • ์ฐฝ๋ฌธ์„ ๋œฏ๊ฑฐ๋‚˜ ์ž๋™์ฐจ๋กœ ๋ฐ€๊ณ  ๊ฐ€๊ฒŒ๋กœ ์ณ๋“ค์–ด์˜จ ๋ฐ”๋žŒ์— ํ•œ์ธ๋“ค์€ ์† ์ˆ˜๋ฌด์ฑ…์œผ๋กœ ๋ฌผ๊ฑด์„ ๋บ๊ฒผ๋‹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

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 

Prescott&Son Insurance Agency ์ž๋™์ฐจ/์ฃผํƒ ์‚ฌ์—…์ฒด/๋ฌผ๊ฑด Commercial

BOP/Works Comp ์•„ํŒŒํŠธ Tenant

781-325-3406 mleeins@gmail.com

"Multi Million Dollar Producer"

์ˆ˜์ž” ์•ˆ ๋ถ€๋™์‚ฐ ์ฃผํƒ, ์ฝ˜๋„ ๋ถ„์–‘, 2 ํŒจ๋ฐ€๋ฆฌ ์ „๋ฌธ ๋นŒ๋”ฉ ์ „๋ฌธ

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

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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