Nov 5 2014 hanin all

Page 1

ํ•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. 5. 2014

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 617.750.0207 / haninhoebo@gmail.com Vol.15 / No. 41

์ฃผ๋ณด์Šคํ„ด์ด์˜์‚ฌ๊ด€, ์žฌ์™ธ๋™ํฌ ์œ ๊ณต์ž ํฌ์ƒ ์ „์ˆ˜ ํ•œ๋ฏธ๊ด€๊ณ„ ์ฆ๋Œ€์™€ ๋Œ€ํ•œ๋ฏผ๊ตญ ๋ฐœ์ „์— ๊ณตํ—Œํ•œ ๊น€์€ํ•œ ๋ฐ•์‚ฌ, ๋Œ€ํ†ต๋ น ํ‘œ์ฐฝ ์ˆ˜์ƒ ์ค„๊ฒƒ์„ ๋ถ€ํƒํ–ˆ๋‹ค. ์ด์–ด, ํ•œ์„ ์šฐ ๋ณด์Šคํ„ด ํ•œ์ธํšŒ ์žฅ์€ ์•„์ฃผ ์˜ค๋ž˜ ์ „ ์ž์‹ ์ด ๋ณด์Šค ํ„ด์—์„œ ์œ ํ•™์ƒํ™œ์„ ์‹œ์ž‘ํ•  ๋•Œ ๋ถ€ํ„ฐ ๊น€์€ํ•œ ๋ฐ•์‚ฌ์™€์˜ ์ธ์—ฐ์„ ์†Œ๊ฐœํ•˜๋ฉฐ ๊น€์€ํ•œ ๋ฐ•์‚ฌ๋Š” ํ•œ์ธ 2์„ธ๊ต์œก์„ ์œ„ํ•œ ํ•œ๊ตญํ•™๊ต ์„ค๋ฆฝ ์— ํฐ ๊ณตํ—Œ์„ ํ•˜์˜€๊ณ  ํ•œ์ธํšŒ ํ™œ ๋™์— ์žˆ์–ด์„œ๋„ ๋งŽ์€ ์ž๋ฌธ์„ ํ•ด ์ฃผ์‹œ๋Š” ๋“ฑ ํ•œ์ธ์‚ฌํšŒ ๋ฐœ์ „์— ํฐ ๋„์›€์„ ์ฃผ์‹  ๋ถ„์ด๋ผ๋ฉฐ ๋Œ€ํ†ต๋ น ํ‘œ์ฐฝ์„ ๊ผญ ๋ฐ›์•„์•ผ ํ•  ๋ถ„์ด ๋ฐ› ๊ฒŒ ๋˜์–ด ๋” ์—†์ด ๊ธฐ์˜๋‹ค๋ฉฐ ์ถ•ํ•˜ ์˜ ๋ง์„ ์ „ํ–ˆ๋‹ค. ์ด๋ฒˆ ๋Œ€ํ†ต๋ น ํ‘œ์ฐฝ์„ ์ˆ˜์ƒํ•œ ๊น€์€ํ•œ ๋ฐ•์‚ฌ๋Š” ์ธ์‚ฌ๋ง์„ ํ†ตํ•ด

๋‰ด์ž‰๊ธ€๋žœ๋“œ ๋ณด์Šคํ„ดํ•œ์ธํšŒ 2014๋…„ ์—ฐ๋งํŒŒํ‹ฐ๊ฐ€ ๊ฐœ์ตœ ๋ฉ๋‹ˆ๋‹ค.

์ œ8ํšŒ ์„ธ๊ณ„ํ•œ์ธ์˜ ๋‚ ์„ ๊ธฐ๋…ํ•œ ์žฌ์™ธ๋™ํฌ ์œ ๊ณต์ž ํฌ์ƒ ์ „์ˆ˜์‹์—์„œ ์—„์„ฑ์ค€ ์ด์˜์‚ฌ(์‚ฌ์ง„ ์šฐ์ธก)๊ฐ€ ๊น€์€ํ•œ ๋ฐ•์‚ฌ (์‚ฌ ์ง„ ์ขŒ์ธก)์—๊ฒŒ ๋Œ€ํ†ต๋ น ํ‘œ์ฐฝ์„ ์ „์ˆ˜ํ•˜๊ณ  ์žˆ๋‹ค. (์‚ฌ์ง„ : ๋ณด์Šคํ„ดํ•œ์ธํšŒ)

์ฃผ๋ณด์Šคํ„ด ์ด์˜์‚ฌ๊ด€(์ด์˜์‚ฌ ์—„์„ฑ์ค€)์€ ์ง€๋‚œ 10์›” 30์ผ( ๋ชฉ์š”์ผ) ์ด์˜์‚ฌ๊ด€์—์„œ ๊น€์€ ํ•œ ๋ณด์Šคํ„ดํ•œ์ธํšŒ ์ž๋ฌธ์œ„์›์— ๋Œ€ํ•œโ€˜์ œ8ํšŒ ์„ธ๊ณ„ํ•œ์ธ์˜ ๋‚ โ€™ ๊ธฐ๋… ์œ ๊ณต์ž ํฌ์ƒ ์ „์ˆ˜์‹์„ ๊ฐœ ์ตœํ–ˆ๋‹ค. ์ด๋‚  ํ–‰์‚ฌ์—๋Š” ์ˆ˜์ƒ์ž ๊ฐ€์กฑ ๊ณผ ์ง€์ธ, ํ•œ์„ ์šฐ ๋ณด์Šคํ„ด ํ•œ์ธํšŒ

์žฅ๊ณผ ์•ˆ๋ณ‘ํ•™ ์›”๋“œ์˜ฅํƒ€ ๋ณด์Šคํ„ด ์ง€ํšŒ์žฅ, ๊น€์„ฑํ˜ ๋ฏผ์ฃผํ‰ํ†ต ๋ณด์Šค ํ†ค์ง€ํšŒ์žฅ์„ ๋น„๋กฏํ•œ ๋ณด์Šคํ„ด ์ง€ ์—ญ ํ•œ์ธ๋‹จ์ฒด ๋Œ€ํ‘œ, ์˜์‚ฌ๊ด€ ์ง ์›, ๊ฐ€์กฑ, ์ง€์ธ ๋“ฑ์ด ์ฐธ์„ํ•˜์—ฌ ์ˆ˜์ƒ์ž๋ฅผ ์ถ•ํ•˜ํ–ˆ๋‹ค. ์—„์„ฑ์ค€ ์ด์˜์‚ฌ๋Š” ์ถ•ํ•˜ ์ธ ์‚ฌ๋ฅผ ํ†ตํ•ด ๊น€์€ํ•œ ๋ฐ•์‚ฌ๋Š” ์ •์น˜, ์‚ฌํšŒ ๋ฌธํ™” ๋“ฑ ๋งŽ์€ ๋ถ„์•ผ์—์„œ ํ•œ

๋ฏธ๊ด€๊ณ„ ๋ฐœ์ „ ์ฆ๋Œ€์— ์ด๋ฐ”์ง€ ํ–ˆ ๊ณ  ํ•œ์ธ2์„ธ ๋“ฑ ์ฐจ์„ธ๋Œ€ ๊ต์œก์„ ํ†ตํ•œ ์ •์ฒด์„ฑ ํ™•๋ณด์— ๊ณตํ—Œํ•œ ๋ฐ” ์ด๋ฒˆ ์ œ8ํšŒ ์„ธ๊ณ„ํ•œ์ธ์˜ ๋‚ ์„ ๊ธฐ๋…ํ•˜์—ฌ ๋Œ€ํ†ต๋ น ํ‘œ์ฐฝ์„ ์ˆ˜์ƒ ํ•˜๊ฒŒ ๋˜์—ˆ๋‹ค๊ณ  ์ „ํ•œ ํ›„ ์•ž์œผ๋กœ ๋” ๋งŽ์€ ํ™œ๋™์„ ํ†ตํ•ด ๋‰ด์ž‰๊ธ€๋žœ ๋“œ ์ง€์—ญ์—์„œ์˜ ํ•œ๋ฏธ๊ด€๊ณ„ ๋ฐœ์ „ ๊ณผ ๋Œ€ํ•œ๋ฏผ๊ตญ ๋ฐœ์ „์— ์ด๋ฐ”์ง€ ํ•ด

๋‰ด์ž‰๊ธ€๋žœ๋“œ ๋ณด์Šคํ„ด ํ•œ์ธํšŒ ํ•œ์„ ์šฐ ํšŒ์žฅ์€ ์˜ค๋Š” 12์›” 14 ์ผ (์ผ์š”์ผ) ์šฐ๋ฒˆ์— ์œ„์น˜ํ•œ ํžํŠผ ํ˜ธํ…”์—์„œ 2014๋…„ ์—ฐ๋ง ํŒŒํ‹ฐ๋ฅผ ๊ฐœ์ตœํ•œ๋‹ค๊ณ  ๋ฐœํ‘œํ–ˆ๋‹ค. ํ•œ์„ ์šฐ ํšŒ์žฅ์€ ์–ด๋ ค์šด ๊ฒฝ ์ œ์ƒํ™ฉ ํ•˜์—์„œ๋„ ํ•œ์ธํšŒ๋ฅผ ์œ„ ํ•ด ๋งŽ์€ ํ›„์›์„ ํ•ด ์ฃผ์‹  ๋™ ํฌ ์—ฌ๋Ÿฌ๋ถ„๊ป˜ ๊ฐ์‚ฌ์˜ ๋ง์„ ์ „ ํ•˜๋ฉฐ ํž˜๋“ค์—ˆ์ง€๋งŒ ๋ณด๋žŒ์žˆ์—ˆ

#1 Lender in Massachusetts!

์ด๊ฒฝํ•ด ๋ถ€๋™์‚ฐ

์ œ์ผ๋จผ์ € ๋–  ์˜ค๋ฅด๋Š” ๋ง์ด ์†ก๊ตฌ ์Šค๋Ÿฝ๋‹ค๋Š” ๋ง ์ด๋ผ๋ฉฐ ์•ž์„œ ์ด์˜ ์‚ฌ๋‚˜ ํ•œ์ธํšŒ์žฅ์ด ์—ด๊ฑฐํ•œ ๊ณต๋กœ ๋Š” ๋‚˜ ํ˜ผ์ž ๋งŒ์˜ ๊ณต๋กœ๊ฐ€ ์•„๋‹Œ ๋‰ด์ž‰๊ธ€๋žœ๋“œ ์ „์ฒด ํ•œ์ธ๋“ค์˜ ๊ณต ๋กœ๋ผ๋ฉฐ ์ด๋ฒˆ ์ˆ˜์ƒ์€ ํ•œ์ธ์‚ฌํšŒ ๋ฅผ ์œ„ํ•ด ๋” ์—ด์‹ฌํžˆ ๋ด‰์‚ฌํ•˜๋ผ๋Š” ๊ฒฉ๋ ค๋ผ๊ณ  ์ƒ๊ฐํ•˜๊ณ , ๊ทธ๋™์•ˆ ํ•จ ๊ป˜ ํ•ด์ค€ ๊ฐ€์กฑ๊ณผ ๋ชจ๊ตญ ์ •๋ถ€ ๋ฐ ์ฐธ์„ํ•˜์‹  ๋ชจ๋“  ๋ถ„๋“ค์—๊ฒŒ ๊ฐ์‚ฌ ๋“œ๋ฆฐ๋‹คโ€๋ฉฐ, โ€œ์•ž์œผ๋กœ ๋‰ด์ž‰๊ธ€ ๋žœ๋“œ ํ•œ์ธ์‚ฌํšŒ ๋ฐ ๋™๋ฃŒ๋“ค๊ณผ ํ˜‘ ๋ ฅํ•ด์„œ ๋” ์ข‹์€ ํ•œ์ธ์‚ฌํšŒ๋ฅผ ๋งŒ ๋“ค์–ด ๊ฐ€๊ณ  ํ•œ์ธ๋™ํฌ๋“ค์„ ์„ฌ๊ธฐ ๋Š” ๋ฐ ๋…ธ๋ ฅํ•ด ๋‚˜๊ฐˆ ๊ฒƒโ€์ด๋ผ๊ณ  ๋ฐํ˜”๋‹ค. (KSNE)

๋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

๋˜ 2014๋…„์„ ๋ณด๋‚ด๊ณ  ์ƒˆ๋กœ์šด 2015๋…„์„ ๋งž์ดํ•˜๋Š” ์ž๋ฆฌ์— ๋งŽ์€ ํ•œ์ธ๋“ค์˜ ์ฐธ์—ฌ๋ฅผ ๋ถ€ํƒ ํ–ˆ๋‹ค. ์ผ์‹œ : 2014๋…„ 12์›” 14์ผ (์ผ) ์˜คํ›„ 5์‹œ30๋ถ„ ์žฅ์†Œ : Hilton Htl.(Woburn) 2 Forbes Rd. Woburn, MA 01801

๋‰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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