Oct 22 2014 hanin all

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ํ•œ์ธ์‚ฌํšŒ์™€ ํ•จ๊ป˜ํ•˜๋Š” ๋‰ด์ž‰๊ธ€๋žœ๋“œ๋ณด์Šคํ„ด ํ•œ์ธ์‹ ๋ฌธ

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์ง€๋‚˜ ์ตœ

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์ฃผํƒ/์ฝ˜๋„ ๋น„์ง€๋‹ˆ์Šค ์ „๋ฌธ Realtor

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๋‰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

13 Campbell St. Woburn, MA 01801 ๊ด‘๊ณ ๋ฌธ์˜ TEL: 617.750.0207 / haninhoebo@gmail.com Vol.15 / No. 40

October. 22. 2014

ํŒŒ์ฃผ์ง€์—ญ ๊ตฐ์‚ฌ๋ถ„๊ณ„์„  ์ธ๊ทผ์„œ ๋‚จ๋ถ๊ฐ„ ์ด๊ฒฉ์ „ ๋Œ€ํ™”์™€ ๊ธด์žฅ์ด ๊ณต์กดํ•˜๋Š” ๋‚จ๋ถ๊ด€๊ณ„์˜ ํ˜„ ์ƒํ™ฉ์—์„œ ์œ ๋ฆฌํ•œ ๊ณ ์ง€๋ฅผ ์ ํ•˜๊ธฐ ์œ„ํ•œ ์˜๋„

๋ถ, ๊ตฐ์‚ฌ๋ถ„๊ณ„์„  ์ง€์—ญ ์ž‡๋‹จ ๋„๋ฐœ ์™œ? ๋ถํ•œ์€ ์ง€๋‚œ 7์ผ ์„œํ•ด ๋ถ๋ฐฉ ํ•œ๊ณ„์„ (NLL) ์นจ๋ฒ”์— ์ด์–ด 18 ์ผ๊ณผ 19์ผ ๊ฐ•์› ์ฒ ์›, ๊ฒฝ๊ธฐ ํŒŒ ์ฃผ ์ธ๊ทผ MDL์—์„œ ๋„๋ฐœ์  ํ–‰ ๋™์„ ๋ณด์˜€๋‹ค. ํŒŒ์ฃผ์—์„œ๋Š” ์ƒํ˜ธ ์ด๊ฒฉ์ด ๋ฐœ์ƒํ•˜๊ธฐ๋„ ํ–ˆ๋‹ค. ๋ถํ•œ ์€ 20์ผ ์žฅ์„ฑ๊ธ‰๊ตฐ์‚ฌํšŒ๋‹ด ๋ถ์ธก ๋‹จ์žฅ ๋ช…์˜๋กœ ์ „ํ™”ํ†ต์ง€๋ฌธ์„ ๋ณด ๋‚ด ์šฐ๋ฆฌ ์ธก ๊ฒฝ๊ณ ์‚ฌ๊ฒฉ ๋“ฑ์„ ๋น„ ๋‚œํ•˜๋ฉด์„œ โ€œMDL ์ผ๋Œ€ ์ˆœ์ฐฐํ™œ ๋™์„ ๊ณ„์†ํ•˜๊ณ , (๋‚จ์ธก์ด) ๋„๋ฐœ

์„ ์ง€์†ํ•  ๊ฒฝ์šฐ ๋ณด๋ณต์กฐ์น˜๋ฅผ ์ทจ ํ•˜๊ฒ ๋‹คโ€๊ณ  ์œ„ํ˜‘ํ–ˆ๋‹ค. ์šฐ๋ฆฌ ๊ตฐ ๋„ ๋‚จ์ธก ๋‹จ์žฅ ๋ช…์˜ ๋‹ต์‹  ์ „ํ†ต๋ฌธ ์„ ๋ณด๋‚ด ์ •๋‹นํ•œ ์ ˆ์ฐจ์— ๋”ฐ๋ฅธ ๋Œ€ ์‘์ด๋ผ๊ณ  ๋ฐ˜๋ฐ•ํ–ˆ๋‹ค. ๋ถํ•œ์˜ ์ด ๊ฐ™์€ ํ–‰์œ„๋Š” ๋Œ€ํ™” ์™€ ๊ธด์žฅ์ด ๊ณต์กดํ•˜๋Š” ๋‚จ๋ถ๊ด€๊ณ„ ์˜ ํ˜„ ์ƒํ™ฉ์—์„œ ์œ ๋ฆฌํ•œ ๊ณ ์ง€๋ฅผ ์ ํ•˜๊ธฐ ์œ„ํ•œ ์˜๋„๋ผ๋Š” ๋ถ„์„์ด ์ œ๊ธฐ๋˜๊ณ  ์žˆ๋‹ค.

์„œ๋จธํƒ€์ž„ 11์›”2์ผ โ€˜ํ•ด์ œโ€™ ๋‚จ๋ถํ•œ์ด 19์ผ ์˜คํ›„ ํŒŒ ์ฃผ ๋น„๋ฌด์žฅ์ง€๋Œ€ ๋‚ด ๊ตฐ์‚ฌ๋ถ„๊ณ„์„  (MDL) ์ธ๊ทผ์—์„œ ์ด๊ฒฉ์ „์„ ๋ฒŒ ์˜€๋‹ค. ํ•ฉ๋™์ฐธ๋ชจ๋ณธ๋ถ€์— ๋”ฐ๋ฅด๋ฉด ์ด๋‚  ์˜ค์ „ 8์‹œ10๋ถ„๊ป˜ ๋ถํ•œ๊ตฐ 10์—ฌ๋ช…์ด ํŒŒ์ฃผ ์ธ๊ทผ MDL์— ์ ‘๊ทผํ•จ์— ๋”ฐ๋ผ ๋Œ€์‘์ง€์นจ์— ์˜ ๊ฑฐํ•ด ์ˆ˜์ฐจ๋ก€ ๊ฒฝ๊ณ ๋ฐฉ์†ก์„ ์‹ค์‹œ ํ–ˆ๋‹ค. ์ดํ›„ ์˜คํ›„ 5์‹œ40๋ถ„๊ป˜ ๋‹ค ์‹œ ํŒŒ์ฃผ์ง€์—ญ MDL๋กœ ์ ‘๊ทผํ•˜๋Š” ๋ถํ•œ๊ตฐ์— ๋Œ€ํ•ด ์šฐ๋ฆฌ ๊ตฐ์ด ๊ฒฝ๊ณ  ๋ฐฉ์†ก์— ์ด์–ด ๊ฒฝ๊ณ ์‚ฌ๊ฒฉ์„ ํ–ˆ๋‹ค ๊ณ  ํ•ฉ์ฐธ ์ธก์€ ์ „ํ–ˆ๋‹ค.

ํ•ฉ์ฐธ์€ โ€œ์•„๊ตฐ ๊ฒฝ๊ณ ์‚ฌ๊ฒฉ ํ›„ ๊ณง๋ฐ”๋กœ ๋ถํ•œ๊ตฐ์ด ์‚ฌ๊ฒฉํ•œ ๊ฒƒ์œผ ๋กœ ์ถ”์ •๋˜๋Š” ํ”ผํƒ„ 2๋ฐœ์ด ์•„๊ตฐ GP ๊ณ ๊ฐ€์ดˆ์†Œ์—์„œ ๋ฐœ๊ฒฌ๋ผ ์šฐ ๋ฆฌ ๊ตฐ์€ ๋ถํ•œ ๊ตฐ ์ง€์—ญ์œผ๋กœ ์ถ” ๊ฐ€ ๋Œ€์‘์‚ฌ๊ฒฉ์„ ์‹ค์‹œํ–ˆ๋‹คโ€๊ณ  ๋ฐํ˜”๋‹ค. ์ด๊ฒฉ์€ 10์—ฌ๋ถ„๊ฐ„ ์ง„ ํ–‰๋์œผ๋ฉฐ ํ˜„์žฌ๋Š” ๋ฉˆ์ถ˜ ์ƒํƒœ๋‹ค. ํ˜„์žฌ๊นŒ์ง€ ์ธ๋ช…์ด๋‚˜ ์‹œ์„ค ํ”ผํ•ด ๋Š” ์—†๋Š” ๊ฒƒ์œผ๋กœ ์ „ํ•ด์กŒ๋‹ค. ๊ทธ๋Ÿฌ ๋‚˜ ํ•ฉ์ฐธ์€ ์šฐ๋ฐœ์ƒํ™ฉ์— ๋Œ€๋น„ํ•ด ํŒŒ์ฃผ์ง€์—ญ ๋ฏผ๊ฐ„์ธ ํ†ต์ œ์„  ๋ถ๋ฐฉ ์ผ๋Œ€ ๊ด€๊ด‘๊ฐ๊ณผ ์˜๋†์ฃผ๋ฏผ ๋“ฑ์„

์›” ๋“ค์–ด ์ฒซ ์ผ์š”์ผ์ธ ์˜ค๋Š” 2 ์ผ ์˜ค์ „ 2์‹œ๋ฅผ ๊ธฐํ•ด ์˜ฌํ•ด ์„œ ๋จธํƒ€์ž„(Daylight Saving Timeยท์ผ๊ด‘์ ˆ์•ฝ์‹œ๊ฐ„)์ด ํ•ด ์ œ๋œ๋‹ค. ์ด๋‚  ์˜ค์ „ 2์‹œ์— ์‹œ ๊ณ„๋ฅผ ์˜ค์ „ 1์‹œ๋กœ ๋ฐ”๊ฟ”์•ผ ํ•œ๋‹ค. ์ž ๋“ค๊ธฐ ์ „์— ๋ฏธ๋ฆฌ ์‹œ๊ณ„๋ฅผ ๋งž ์ถฐ ๋†“์œผ๋ฉด ์•„์นจ์— ์ผ์–ด๋‚˜ ํ™œ ๋™ํ•˜๊ธฐ์— ํŽธ๋ฆฌํ•˜๋‹ค. ์ด์— ๋”ฐ ๋ผ ๋ณด์Šคํ„ด ์ง€์—ญ๊ณผ ํ•œ๊ตญ์˜ ์‹œ์ฐจ๋Š” ํ˜„์žฌ 13์‹œ๊ฐ„์—์„œ 14์‹œ๊ฐ„ ์œผ๋กœ ํ•œ ์‹œ๊ฐ„ ๋Š˜์–ด๋‚˜๊ฒŒ ๋œ๋‹ค. ๊ตญ์ ๊ธฐ์˜ ์ฃผ์š” ํ•ญ๊ณตํŽธ ์ถœยท๋„ ์ฐฉ ์‹œ๊ฐ„๋„ ๋ณ€๊ฒฝ๋œ๋‹ค. ์ž์„ธํ•œ ๋‚ด์šฉ์€ ๋Œ€ํ•œํ•ญ๊ณต(www.koreanair.com)๊ณผ ์•„์‹œ์•„๋‚˜ํ•ญ๊ณต(www.flyasiana.com) ์›น ์‚ฌ์ดํŠธ๋ฅผ ์ฐธ์กฐํ•˜๋ฉด ๋œ๋‹ค.

์˜คํ›„ 5์‹œ์— ์ฒ ์ˆ˜์‹œ์ผฐ๋‹ค๊ณ  ๋ฐ ํ˜”๋‹ค. ์•ž์„œ ๋ถํ•œ๊ตฐ์€ ์ „๋‚ ์— ๋„ ์ฒ ์›๊ตฐ MDL์— ์ ‘๊ทผํ•ด ์šฐ ๋ฆฌ ๊ตฐ์ด ๋Œ€์‘์ง€์นจ์— ๋”ฐ๋ผ ๊ฒฝ๊ณ  ๋ฐฉ์†ก๊ณผ ๊ฒฝ๊ณ ์‚ฌ๊ฒฉ์„ ํ–ˆ๋‹ค. ๋‹น์‹œ ์—๋Š” ๋ถํ•œ๊ตฐ์ด ๋Œ€์‘์‚ฌ๊ฒฉ์„ ํ•˜ ์ง€ ์•Š์•„ ์ด๊ฒฉ์ „์€ ์—†์—ˆ๋‹ค. ๋‚จ๋ถ ํ•œ ๊ฐ„ ์ด๊ฒฉ์ „์ด ๋ฐœ์ƒํ•œ ๊ฑด ์ง€๋‚œ 10์ผ ๋ถํ•œ๊ตฐ์ด ๋Œ€๋ถ์ „๋‹จ ํ’์„  ์„ ํ–ฅํ•ด 10์—ฌ๋ฐœ์„ ์ด ์ผ๋ถ€ ํƒ„ ๋‘๊ฐ€ ์šฐ๋ฆฌ ์ธก ์ง€์—ญ์— ๋–จ์–ด์ ธ ์šฐ ๋ฆฌ ๊ตฐ์ด ๋Œ€์‘์‚ฌ๊ฒฉ์„ ํ•œ ์ดํ›„ 9 ์ผ ๋งŒ์ด๋‹ค.

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

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

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P (781) 591-2722

๋‰ด์Šคํƒ€ ๋ถ€๋™์‚ฐ

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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 

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์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

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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€

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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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