Healey 10年10億元「麻州領先法」要讓麻州成為世界氣候創新樞紐

Governor Healey Promotes Major Initiatives in Life Sciences, Climatetech, Applied AI

Proposals will be included in upcoming Mass Leads economic development bill to position Massachusetts as a global hub for cutting-edge industries

Governor Maura Healey, Lt. Governor Kim Driscoll,
Secretary of Economic Development Yvonne Hao,
Secretary of Energy and Environmental AffairsRebecca Tepper
and Climate Chief Melissa Hoffer join Somerville MayorKatjana Ballantyne,
life science industry leaders and local legislators to detailmajor
 new proposals to make Massachusetts a global hub for life sciences,
 climate technology and applied artificial intelligence during
 a visit to Form Energy in Somerville on February. 29, 2024.
 [Joshua Qualls/Governor’s Press Office]

SOMERVILLE — SOMERVILLE – Today, Governor Maura T. Healey detailed major new proposals to make Massachusetts a global hub for life sciences, climatetech and applied artificial intelligence (AI).  

She announced that she is reauthorizing the Life Sciences Initiative to build on the success of the program that has made Massachusetts a global leader in this critical industry. She also announced that she is applying this proven model to a new Climatetech Initiative, which will position Massachusetts to compete on the global stage in this emerging industry.  

Governor Healey announced the filing at Form Energy, an American energy storage technology and manufacturing company, alongside Cabinet members, elected officials, industry leaders, and community members.  

Secretary of Economic Development Yvonne Hao。
[Joshua Qualls/Governor’s Press Office]

The initiatives will be included in the administration’s upcoming economic development bill, titled the Mass Leads Act. This bill is also expected to propose investments in the Community One Stop for Growth, rural communities, advanced manufacturing, robotics, tourism, the creative economy and small businesses. It will also build on the momentum of the state's CHIPS + Science wins by making targeted investments in advanced manufacturing and robotics. Governor Healey previously announced that the bill will include $100 million to create an Applied AI Hub in Massachusetts. 

[Joshua Qualls/Governor’s Press Office]

Informed by the 2023 economic development plan, the initiatives in this bill will seek to advance the Healey-Driscoll administration’s core principles of competitiveness, affordability, and equity across all regions and for all residents in Massachusetts.  

“The Mass Leads Act will take our proven, homegrown model of the Life Science Initiative to the next level to continue leading the world in attracting innovative businesses to our state and developing life-saving medicines. We’ll also stake our claim in burgeoning industries like climatetech and artificial intelligence to make clear that Massachusetts competes to win,” said Governor Healey. “This is a transformative opportunity to strengthen our state’s economy while also supporting our businesses, workforce and communities, and we look forward to working with our Legislative partners to get it done.” 

“The Mass Leads Act improves on what we already know works in Massachusetts – the Life Sciences Initiative – and applies those lessons to exciting new industries like climatetech and artificial intelligence,” said Lieutenant Governor Kim Driscoll. “These proposals reflect the realities of the economy of today and tomorrow, and position Massachusetts to compete at every turn to bring results home to our communities.” 

“Our administration is making strategic investments to propel our state forward, particularly amidst heightened national competition in the life sciences and climatetech sectors,” said Secretary of Economic Development Yvonne Hao. “The Mass Leads Act outlines a bold, long-term strategy that is needed in order for Massachusetts to compete and win. The goal remains to make Massachusetts the best place for people to start and grow their careers, and the best place for companies to start and scale. With the right tools at our disposal, Team Massachusetts is expanding opportunities, breaking barriers in health equity and pursuing the next fronter in the life sciences, and driving climate change progress while creating jobs.”  

‘We’ve seen firsthand the impact investments like these can make to position Massachusetts as a national and global leader in industries like the life sciences. By keeping our foot on the gas and expanding on proven strategies to put a marker down in climatetech, the Mass Leads Act will allow us to keep our competitive edge and grow the types of jobs and businesses that will pay dividends for our students, residents and the state for generations to come,” said Administration and Finance Secretary Matthew J. Gorzkowicz. 

“With the Mass Leads Act, we have an opportunity to design and manufacture the solutions to climate change in our own backyard,” said Energy and Environmental Affairs Secretary Rebecca Tepper. “This would be a gamechanger for the climatetech industry. We have an opportunity to give our residents the ability to work in and learn about emerging technologies that will be critical in reducing emissions and building resilience to climate change.” 

Climatetech 

Governor Healey is proposing a $1 billion, 10-year climatetech initiative to make Massachusetts the climate innovation lab for the world. The initiative would create jobs, support technology development and infrastructure to reduce emissions, and promote resilience locally. Massachusetts would be well positioned as a global leader in climatetech. The funds and programs would help companies start and scale in Massachusetts, creating well paying jobs across the state. The initiative has three core parts: 

1.     Capital Funding: The bill would provide significant capital resources to MassCEC for the first time. Bond authorizations can support research and development, innovation, manufacturing, commercialization, and the deployment of climatetech technologies, including offshore wind, across Massachusetts. 

2.     Tax Incentives: The bill would authorize funding for tax incentives, which will help ensure the state is competitive in attracting and retaining these businesses. The initiative proposes to establish a new Climatetech Tax Incentive Program to enable the state to invest in climatetech companies, expand employment opportunities and support research and development. The bill also seeks to continue implementation of the newly created Offshore Wind Tax Credit and proposes some strategic changes to further grow the program. 

3.     Operating Funding: This ten-year strategy underscores the critical importance of annual operating support through the state budget process for MassCEC, which is instrumental in fostering the climatetech industry and training a clean energy workforce. Operating funds will enable MassCEC to deploy stable programming and initiatives to reach areas that capital programs and tax incentives aren’t able to reach. This includes workforce development initiatives, internships, strategic partnerships, and operations. 

“The Mass Leads Act represents a historic investment that will move us significantly towards our goal to be the climate innovation lab for the world,” said Massachusetts Clean Energy Center CEO Dr. Emily Reichert. “These funds would empower MassCEC to significantly expand our work to make Massachusetts be THE place where climatetech companies want to grow and thrive, creating high-quality jobs here in the Commonwealth. The funds would also help us expand our nation-leading position in offshore wind through additional investment in world-class port infrastructure. Governor Healey and Lieutenant Governor Driscoll understand that our climate challenge offers us a profound economic opportunity to create tens of thousands of good jobs, revitalize local economies and lead the country in climate solutions.” 

"We are excited about the investment the Healey-Driscoll administration is making in companies like ours that are part of the growing energy innovation ecosystem in Massachusetts. Form Energy was founded in 2017 and started scaling up in Somerville with a team of less than 10. Today, our two locations in Somerville employ more than 225 scientists, chemists, engineers, and lab technicians and occupy 155,000 rentable square feet of lab and office space,” said Ted Wiley, Co-founder, President, and Chief Operating Officer of Form Energy. “We are grateful to the administration, legislature, and local delegation for their leadership and hard work to elevate Massachusetts as the global leader in climatetechnology. We look forward to continuing to grow and innovate in Somerville and to building Form Energy battery systems in the Commonwealth.” 

More information can be found in the climatetech issue brief. 

Life Sciences 

The bill also proposes reauthorizing the Life Sciences Initiative at $1 billion for 10 years to position Massachusetts to lengthen its lead as the global leader in the life sciences. Last year, Massachusetts was chosen by the federal Advanced Research Projects Agency for Health (ARPA-H), an agency within the National Institutes of Health, to host its Investor Catalyst Hub, demonstrating the effectiveness of the state’s investments in the life sciences. 

This long-term commitment will position Massachusetts to win more investment in the industry, develop more life-saving cures, and create more jobs. It will build on the success of prior authorizations while making adjustments to account for present-day challenges and opportunities. The initiative has three core parts: 

1.     Capital: The Massachusetts Life Sciences Center will embrace a model that encourages multi-institution, cross-sector collaboration among key industries, such as biotechnology, manufacturing, medical technology, higher education, and healthcare. Through this realignment, the state will be better able to pursue health equity ventures, research and development, and capital eligible initiatives to support the ecosystem. 

2.     Tax Incentives: The Life Sciences Tax Incentive Program has proven successful in incentivizing the creation of jobs in the industry. This bill proposes to increase the statutory cap for life sciences tax incentives to create more capacity in the future and extends the program to 2033 to demonstrate the state’s commitment for the next decade. This will further enhance a valuable business development tool to attract and retain companies in Massachusetts.   

3.     Operating: This new strategy also projects annual appropriations for workforce development programming and other strategic initiatives, including support for early-stage companies. Notably, this component of the strategy incorporates an expansion of Pathmaker, a key component of the Healey-Driscoll Administration’s MassTalent Initiative, to scale career training programs for in-demand job opportunities within the industry.   

In addition to competitiveness and innovation, equity will be elevated as a priority for the Healey-Driscoll Administration under the new initiative, including creating better workforce pathways into careers in the industry and improving health outcomes for residents in Massachusetts.  

“The Life Sciences Initiative has helped catalyze transformational opportunities for Massachusetts residents and patients around the world alongside impactful public-private partnerships benefiting communities across Massachusetts,” said Massachusetts Life Sciences Center Acting CEO & Vice President of Economic Development and Partnerships Jeanne LeClair. “Our Commonwealth’s leadership in the life sciences is no accident and not guaranteed with fierce competition both national and globally. What remains a key separating factor for our preeminence is the powerful engagement of our elected and civic leaders and the unique ecosystem of collaboration between industry, education, non-profit, and government.” 

“As the largest life sciences employer in the state, Takeda applauds the initiatives outlined by Governor Healey as part of the Mass Leads Act, including the reauthorization of the Massachusetts Life Sciences Initiative and the Massachusetts Life Sciences Center,” said Julie Kim, President, U.S. Business Unit and U.S. Country Head, Takeda and a member of the Governor’s Economic Development Planning Council. “We are fortunate that in Massachusetts, government and industry work together as “collective entrepreneurs” to lead in emerging industries and tackle complex issues that help enhance our competitive advantage and benefit the health and wellbeing of patients around the world.” 

More information can be found in the Life Sciences issue brief. 

Senate Acts to Update and Modernize Sexual Health Education

 Senate Acts to Update and Modernize Sexual Health Education  

 Healthy Youth Act boosts accurate and inclusive sex and relationship education,  
enhances parental rights, codifies comprehensive framework 

 

BOSTON (2/29/24)—The Massachusetts Senate on Thursday passed the Healthy Youth Act, which would ensure that Massachusetts public schools electing to teach sexual health education curriculum use age-appropriate, inclusive, medically accurate, and research-based information on sex, relationships, and consent.   

The Healthy Youth Act, S.2686, would enhance parental rights and codify into law the voluntary framework approved by the Department of Elementary and Secondary Education (DESE). It calls for sex and relationship education to be inclusive and appropriate for students regardless of gender, race, disability status, sexual orientation, and gender identity.  

“The true north for the Massachusetts Senate is providing our young people and families with every tool possible to empower them to live a bright future, right here in our state,” said Senate President Karen E. Spilka (D-Ashland). “Inclusive and medically accurate sex and relationship education is fundamental to supporting residents in building that future, and critical if we want to continue leading and competing in all aspects of education nationally. Thanks to the relentless work of Senator DiDomenico, and the tireless support from Chair Lewis and all who have worked so hard on this effort, Massachusetts has an opportunity to continue to lead in this space.”  

“The Healthy Youth Act will finally make it clear that sex and relationship education in Massachusetts must be inclusive of all students and emphasize the importance and necessity of consent in relationships,” said Senator Sal N. DiDomenico (D-Everett), Assistant Majority Leader and lead sponsor of the Senate bill. “We must finally get this commonsense health policy over the finish line to ensure our children have the information they need to protect their health, form respectful relationships, and build the bright futures they deserve. I want to thank Senate President Spilka, Chair Rodrigues, Chair Lewis, and all the advocates who have worked tirelessly to give our children the best education available.”  

“I’m pleased the Senate has again taken up and passed the Healthy Youth Act, an update on our public-school education guidelines in the Commonwealth. This legislation to teach fact based, medically accurate information will help identify and prevent sexual and relationship violence, curb disease, and have our public schools be more LGBTQ inclusive. It is also flexible in that it requires the education to be age appropriate, and still allow an opt-out provision,” said Senator Michael J. Rodrigues (D-Westport), Chair of the Senate Committee on Ways and Means.  

“Providing comprehensive, age-appropriate, and medically accurate sex and relationship education to our youth is the best way to prepare them to make safe and healthy choices,” said State Senator Jason M. Lewis (D-Winchester), Senate Chair of the Joint Committee on Education. “I’m pleased that the Senate is continuing to advance this legislation that ensures that Massachusetts public schools use research-informed curricula that prioritize inclusivity and the health and well-being of students.”  

Requiring medically accurate curriculum for public schools teaching sex ed The Healthy Youth Act would ensure that students in public schools that offer sexual health education are receiving, and teachers have guidance on, curricula that is age-appropriate, medically accurate, comprehensive, and inclusive of LGBTQ+ health and lessons on consent.   

The Healthy Youth Act would incorporate comprehensive sex and relationship education that could support students in delaying the initiation of sex, increasing use of contraception, lowering the rates of STIs and unintended pregnancy among teens, and reducing reported levels of bullying towards LGBTQ+ youth in school.   

Curricula for schools that choose to teach sex and relationship education would include the benefits of delaying sex; human anatomy, reproduction, and sexual development; effective contraceptive use; prevention of pregnancy and sexually transmitted infections (STIs); relationship and communication skills to form healthy relationships; coverage of affirmative, conscious and voluntary consent; and age-appropriate information about gender identity and sexual orientation, including resources that offer support to LGBTQ+ students.   

Protecting and enhancing parental notification and rights 

This legislation also protects and enhances parents’ right to remove their children from all or part of the sex and relationship education program if they choose to do so––an action already protected by state law.   

Additionally, this bill updates parent-notification guidelines for districts that choose to teach sex and relationship education curriculum and requires schools to send notice to parents in English and in other commonly spoken languages in the district. Notice would alert parents that their child is enrolled in a sex and relationship education course and would inform them of their right to review the curriculum or opt their child out of some or all of the lessons.    

Building on the DESE education framework 

The Healthy Youth Act would codify into law the health education framework approved by DESE last year, which is currently only a voluntary guideline for school districts in the Commonwealth.   

If passed, the legislation would strengthen the impact of the new health education framework and create standards for sex and relationship curricula in public schools.    

The Healthy Youth Act would require the DESE to collect data on sex and relationship education taught in public schools and require DESE to review and update the framework at least every ten years to ensure the sex and relationship education guidelines remain comprehensive and are meeting the needs of students.   

The bill has the support of a broad coalition of education and LGBTQ+ advocates around the state.   

“Today's vote affirms what we already know – a strong majority of people in Massachusetts, including most parents, want young people to receive sex and relationship education at school,” said Jamie Klufts, co-chair of the Healthy Youth Coalition. “We are deeply grateful to the entire Senate, including Senate President Spilka, Senate Ways and Means Chair Rodrigues, and Assistant Majority Leader DiDomenico, for believing in the Healthy Youth Act once again. We look forward to working with the House to pass the Healthy Youth Act this session so that the state's exciting new Health and Physical Education Framework can reach its full potential and do the most to support our students and teachers.”   

“Ensuring that Massachusetts schools are places where all students feel safe and supported––no exceptions––has never been so urgent,” said Jaclyn Friedman, Executive Director of EducateUS and Chair of the Healthy Youth Coalition. “The type of sex and relationship education provided for by the Healthy Youth Act is proven to protect young people against bullying, abuse, and feelings of isolation. We applaud the Senate’s steadfast and timely commitment to young people across Massachusetts.”   

“We are excited to learn that, once again, the Healthy Youth Act has passed the Senate,” said Shaplaie Brooks, Executive Director of the Massachusetts Commission on LGBTQ+ Youth. “This tells us that the number one priority for the Senate is comprehensive, intersectional, and medically-accurate health education for students in the Commonwealth. With this win, we believe that the Senate has weighed the pros and cons of this life-saving legislation, and ultimately centered the importance of cultivating a safe environment for students to engage a modern curriculum that reflects the issues they face every day and answers their questions about healthy relationships––rooted in consent. The Commission believes that the House understands the same, and urges it to take up this bill immediately. We are at a pivotal moment in our Commonwealth's history where we have a chance for all youth including LGBTQ youth to receive critical information that can equip them with the tools to keep themselves safe, be a safe person in their relationships, understand the risks and red flags specific to their communities, and have the autonomy to make informed decisions based on the power of knowledge and not fear.”   

This is the fifth consecutive session during which the Senate has adopted similar legislation.   

The bill now heads to the Massachusetts House of Representatives for consideration. 

波士頓市增資擴辦免費的安全游泳計畫

MAYOR MICHELLE WU ANNOUNCES EXPANSION OF SWIM SAFE PROGRAM WITH NEW FUNDING FOR FREE SWIM LESSONS BCYF Marshall Community Center pool opened last fall; the Clougherty, Draper, Hennigan, Mattahunt, and Perkins are expected to be open this summer

BOSTON - Thursday, February 29, 2024 - Mayor Michelle Wu, the Human Services Cabinet, and Boston Centers for Youth & Families (BCYF) today announced expanded investments in water safety through the City’s Swim Safe program. The City is opening up a new round of grant funding to support learn-to-swim programming for historically underserved communities. This expansion builds on an investment made by the City this past fall to offer free swim lessons through the winter months. The investment is part of the Mayor’s initiative Connect, Learn, Explore – to build a family-friendly city where every child has the opportunity to explore their passions.  BCYF Marshall Pool in Dorchester, closed for many years, reopened last fall. The pool reopening was officially celebrated by the community at a Black History Month event on February 28th. BCYF Mattahunt Community Center pool in Mattapan will reopen this summer following the completion of a multi-year $12.7 million renovation of the community center.  “As a coastal city, we want to make sure all our young people can safely enjoy our water and pools,” said Mayor Michelle Wu. “By expanding our Swim Safe partnership, we’re ensuring our youth are also able to explore all their interests to make Boston the best place to raise a family. I’m grateful to our partners for their continued support for our young people.” The Swim Safe initiative was originally announced in July 2023. To date, the city has served more than 1,000 youth participants who have received free swim lessons. To continue to support the high demand for free swim lessons and importance of water safety in a coastal city, Boston is expanding the program to offer additional support to aquatics providers.  The previous round of grant funding for the Swim Safe initiative supported partners to offer free swim lessons throughout the winter at pools in Boston operated by the YMCA of Greater Boston, the Boys & Girls Clubs of Boston and DotHouse Health. This new round of funding will continue to support free lessons this spring in advance of the summer swim season. Priority will be placed on providing lessons for beginner-level swimmers.  “As a parent and former lifeguard, I am passionate about getting children and families access to city pools, swim lessons, and water safety information,” said José Massó, Chief of Human Services for the City of Boston. “These grant opportunities and pool openings represent progress and a lot of hard work on the part of this administration, and I look forward to continuing our momentum into the summer months.”  Despite being a coastal city with beaches along the harbor and numerous indoor and outdoor swimming pools, not all Boston residents have equal access to opportunities to learn how to swim. Nationally, fatal drowning is the leading cause of death for children ages 1-4 years old and the second leading cause of injury death for children ages 5-14 (CDC). Black and Latino youth are less likely to know how to swim and therefore are at higher risk of drowning (CDC). "DotHouse Health is extremely proud to partner with the City of Boston to help provide free swimming lessons to all youth and families in our communities,” said Michelle Nadow, President & CEO of DotHouse Health. “We are very appreciative of the opportunity to collaborate and to continue to expand accessible swimming resources in our neighborhoods." “Providing water safety education to the community is a public health imperative, and we are proud to support Swim Safe Boston so community members can enjoy the health benefits of water recreation,” said Jeff Bellows, Vice President of Corporate Citizenship and Public Affairs at Blue Cross Blue Shield of Massachusetts. “This program eliminates the barriers of access and education so that people across the city can safely enjoy our local pools and beaches.” The City is acting with urgency to renovate several city-owned pools, many of which were built in the 1970s. Mayor Wu has made an unprecedented commitment to aquatics programming by commissioning a first-ever citywide evaluation of aquatics infrastructure with the goal of expediting the improvements needed to get city pools back open. In addition to the assessment, this fiscal year, Mayor Wu allocated $34.3 million in the FY24-FY28 capital plan for repairing and renovating the city's pools. “This investment is critical to addressing the alarming number of youth - in particular minority youth -  who cannot swim,” said Marta E. Rivera, Commissioner of Boston Centers for Youth & Families. “We welcome our aquatics partners to join us in providing free lessons across the city.” In May, Boston will host USA Swimming for a series of events to mark International Water Safety Day, a day dedicated to spreading global awareness about the risks of drowning and importance of water safety education. Activities will include visits by former Olympic swimmers to Boston Public Schools, a water safety fair at a BCYF Pool, and instructional programming for BCYF swim team participants. Water safety information will be shared with Boston Public Schools families, all to highlight the importance of water safety during the summer months.   Because of a collaboration between Boston Public Schools, Boston Centers for Youth & Families, the Public Facilities Department, and the Property Management Department, investments of City funding, and improved facilities assessment, the City is on track to have more pools open this year than in previous summers, including the BCYF Clougherty, Draper, Hennigan, Marshall, Mattahunt and Perkins pools. BCYF Marshall Community Center pool opened this fall. The Draper, Hennigan, Mattahunt and Perkins are expected to be open this summer as is the Clougherty Pool, which is approaching the completion of a two-year renovation.  The City also has more opportunities for lifeguards through a residency waiver which allows the City to hire more lifeguards and the Lifeguard Preparedness Academy and hiring days that BCYF has been hosting in collaboration with the Office of Human Resources. Additionally, through the SwimSafe program, the City is providing more free swim lessons for children in partnership with the YMCA of Greater Boston (nine pools), Boys and Girls Club (four pools), Dorchester House (one pool), and USA Swimming.  There is no charge for membership or programming at BCYF centers and pools but visitors need to create a membership at Boston.gov/BCYF-Registration. Registration for classes and programs can be found on individual BCYF pools’ webpages or at Boston.gov/BCYF-Aquatics.

AAJC commends the Senate's introduction of the John R. Lewis Voting Rights Advancement Act

Asian Americans Advancing Justice – AAJC commends the Senate's introduction of the John R. Lewis Voting Rights Advancement Act

WASHINGTON, DC — February 29, 2024 — Asian Americans Advancing Justice – AAJC commends the Senate's introduction of the John R. Lewis Voting Rights Advancement Act as a significant step towards ensuring full participation from all Americans in our democracy. In this crucial election year, the bill emerges as a beacon for equitable democracy, addressing critical issues akin to the historic Voting Rights Act and responding to the pressing need for legislative action. This is prompted by the devastating 2013 Supreme Court ruling in Shelby v. Holder, which eradicated the “pre-clearance” provision that required jurisdictions with a history of discrimination to seek pre-approval of voting changes.

John C. Yang, president and executive director of Asian Americans Advancing Justice – AAJC, expressed his support for the bill, stating:

“At the heart of the numerous hurdles our democracy is confronted with, lies the deprivation and dilution of the foundational right to vote, which significantly impacts Asian, Black, Latino, and Native American communities. It is absolutely imperative that we address and rectify these issues to protect our democracy, which relies on the full and equal participation of every eligible voter. The John Lewis VRAA is a step toward forging a path for true inclusion of the voices and votes for all communities nationwide.

During a pivotal election year, the strength of America's democracy rests on ensuring every voice is heard. I commend the Senate for presenting this bill at such a crucial juncture in our nation's history and urge Members of Congress to safeguard the freedom to vote by passing this legislation.

Asian Americans Advancing Justice - AAJC supports the John Lewis VRAA because it embraces a forward-looking perspective for the future of our democracy.”

TCCNE波士頓房地產學堂 講者傾囊相授

           (Boston Orange

新英格蘭大波士頓台灣商會房地產學堂。

 

周菊子報導) 新英格蘭大波士頓台灣商會 (TCCNE) 2月24 日下午，在波士頓紐百利街的Compass會議室，開辦「波士頓房地產學堂」，請來4名講者，針對房地產的從買賣，投資出租及管理講到相關法律知識，線上、線下近百聽眾聽得茅塞頓開。

TCCNE會長王志維指出，這講座是名符其實的學堂，在4個多小時內，Compass房地產經紀Andrew Lin，三樹屋 (Tripletreehouses)負責人林承寬，屋必昇 (Home Boston Group)負責人彭聲翔 (Anson Peng)，以及房地產律師胡美惠等數名

現場座談。

講者，不但鉅細靡遺的解說買賣房地產手續流程及應注意事項，還分享投資個案實例，當房東的經驗談，都有些什麼相關法律文件，該怎麼做等的建議。王志維並未直接點出，但聽眾們都察覺到的是，幾位講者幾乎都是在斜槓人生中踏進房地產這領域，使得以年輕人居多的到場聽眾更感興趣。

TCCNE會長王志維致詞。

波士頓僑教中心主任潘昭榮做為嘉賓及活動贊助者，當天特地出席講座，籲請各界關注僑委會位輔導海外台商發展事業，鍊接台灣優勢，協助海外台商產品品牌及行銷而辦理的2024年第3屆海外台商精品選拔暨輔導活動，即日起接受網上報名，3月31日截止報名，5月17日公佈入圍決賽名單。查詢相關詳情可上僑委會網站。

Andrew Lin是在小留學生年紀時，隨家人來美，從德州奧斯汀大學商業管理系畢業後，曾在KAYAK，TJX，7-11等企業工作過，但為追求個人興趣，來到波士頓的伯克利音樂學院唸了個音樂碩士，接著因緣際會踏進房地產界，成為Compass這家在住宅買賣上排名全美第一，成交額高達2300億元，在波士頓有11個，鱈魚角有18個辦公室的波士頓最大房地產公司之一成員。

波士頓僑教中心主任潘昭榮解說僑委會精品展活動。

Compass這家公司還和發展商合作蓋房子出售，2024年在Charlestown、Somerville、東波士頓等地至少有3項新建案正在進行中。

Andrew Lin以「買房101及看房小撇步總攬」為題，分享了買賣流程，多重上市服務 (MLS)要怎麼看，如何提交出價 (offer)，看房注意事項，房屋檢查等買房子要注意細節。

3名講者，右起，Andrew Lin，林承寬，彭聲翔。

他提醒有意購屋的潛在買家，準備買屋時要先訂定目標，想清楚自己買房子的目的是要自住，投資，為子女選學區，或為家人的生活便利，有些甚麼樣的長中短期目標，打算在要買的這棟房子中住多久，手頭的購屋預算有多少，包括有多少自備款，能貸款多少等，想要買的房屋類型是共管公寓，單或多家庭屋，還是聯排別墅，對於房屋的地點，幾個房間、衛生間，車位，有沒車庫，有沒洗烘衣機，樓層高低，屋齡，房屋大小，有沒中央空調，戶外空間等等有些什麼要求，查看產權登記，並列出必要和想要的項目，以供做決定時參考。

Andrew Lin 為出席者整理出一份買房子的考慮事項重點，包括要做專業估價，提供保證金，準備並交付合同訂金，把訂金存進第三方信託帳戶，等賣家接受買家提出的價格與條件，拿到貸款預審證明，做產權調查，買產權保險等。

律師胡美惠。

買房子時，通常都會先挑選房地產經紀人，準備好購屋資金，四處看房子，出價，談判，檢查房屋，找房地產律師檢查買賣合約文件，申貸獲批可辦交割了 (CTC)，再做交屋前的最後檢查，就可以完成買賣手續，簽約交屋了。

Andrew Lin指出，如果有意買的房子是共管公寓，還應該檢查總地契，信託聲明，共管公寓的營運預算，地塊及場地的平面圖，最好還能做一次立體的虛擬參觀。

另外買房子時，可以查一查房子的市場銷售歷史。

Andrew Lin還解釋了一些多重上市服務表上的一些專有名詞縮寫，包括ACT是列出的房地產還在市場上，PCG是價格有變動，BOM是重新回到市場中，EXT是展延上市日期，RAC是重新上市，CTG是物業已經有人出價，買賣雙方達成協議，還待滿足某些條件，UAG表示已達成買賣協議，SLD是已出售，RNT是已出租。

在買賣房屋時，最好比較一下上市價格和售出價格，每平方英尺的價格 (PPSF)，已經上市了多少天 (DOM)，房屋地點，政府給出的估值 (assessed value)，專業估價者給出的估價 (appraised value)等。

想要買房子，四處看房子時的注意事項包括要瞭解基本資訊，查看地點，檢查屋況等。例如想要看的房子有開放日，還是得預約，如果是共管公寓，要查大樓有多少儲備款，有無任何特別評估，包不包括物業管理 (HOA)，管理費增加幅度等。在地點上是要看房子所在社區的人文及地理環境，通勤時間，鄰近的公共交通便利程度，有什麼樣的學校，未來發展前景等。在屋況上，要檢查有沒有漏水，燈光照明，通風上的問題，查看冷暖系統 (HAVC)，以及屋頂、熱水器、窗戶，樓宇的年齡，看看平面圖，查看有無任何維修更新，建商是誰，房屋有無保證等。

Andrew Lin 貼心的為"學堂"出席者整理出2023年的麻州公立學校排名，為關切學區的潛在買家，提供勒星頓 (Lexington)，布魯克蘭 (Brookline)，衛斯汀 (Weston)，艾克頓 (Acton)，Boxborough等依序30所麻州最佳學區。2024年，麻州最好的高中則是安多福菲力普學院 (Phillips Academy Andover)，聯邦學校 (Commonwealth)， Gorton學校等。

要買房子出價時，也有個流程，先考慮房子在市場上已經有多少天，價格，狀況即有沒其他人在競購等狀況，在文件上要準備代理經紀的揭露聲明，出價信，貸款預先批准獲資金證明文件，意外條款，鉛漆聲明等。

在房屋檢查上，Andrew Lin也準備了一份列有16項的檢查清單，供人參考。出租的共管公寓交屋時注意事項則包括查看是否有毀約，轉租情況，跟賣方協調交屋時間，找搬家公司，有沒有換工作，剛花了一大筆錢等影響貸款的事件，有沒遷入費，專業估價是多少，交屋前最後走過廠。

林承寬具有醫師資格，但在斜槓人生中已從事房地產投資超過八年，以麻州大波士頓、羅爾市、秋河市、屋斯特等市鎮，以及越南。他經營的"三樹屋"投資團隊，成員包括建築師，承包商，房地產律師，會技師，物業管理等。

在"投資房產大補貼"環節中，林承寬拿出麻州房地產市場歷史趨勢圖，指出麻州房地產的中位價格已達57萬2900元，比之前一年又上漲了6.9%，雖然房屋銷售數量只有3402戶，比去年減少了7.9%，但房屋上市後，在市場上的逗留天數，約28天，比去年少了3天，可見麻州房地產市場仍然很熱。波士頓市的房屋中位價格也上漲6%，達到79萬5000元，銷售數量只有231戶，比去年減少了27.8%，在市場上逗留的天數增加12天，達到49天。

林承寬還特地列出布魯克蘭鎮和秋河市做對比。布魯克蘭鎮的房屋中位價為127萬5000元，比去年上漲了27.2%，銷售了35戶，比去年增加75%，在市場上的天數增加14天，約55天。秋河市則是平均中位價下跌6.1%，僅38萬5000元，售出29戶，比之前一年減少35.6%，在市場上逗留的中位天數為38天，比去年增加7天。

若以出租屋的租金來看，一睡房的中位租金，在劍橋市約3000元，布魯克蘭鎮2870元，波士頓2860元。二睡房的中位租金，依序為布魯克蘭鎮的3650元，劍橋市的3544元，波士頓的3400元。三睡房的中位租金，依序為劍橋市的4663元，布魯克蘭鎮的4400元，牛頓市的4100元。

林承寬指出，出租市場的趨勢是自從1980年以來，平均租金價格每年上漲約8.85%，持續超越薪資漲幅。2021年則是特例，市場波動很大，而且這情況持續進2022年。以波士頓為例，平均租金從2020年7月的約僅3000出頭，略跌之後，一路上上下下，到2023年11月時，已漲到3926元。全美國的平均中位租金卻持平地從1500元微漲到1600以上。

林承寬說明，投資房地產，先要了解物業類別，例如房地產分共管公寓，擔家庭屋，多家庭屋，商業樓宇 (多於四個單位的就算商業樓宇)，店面/辦公室/倉庫，土地/房地產開發。

"三樹屋"未來會在秋河市、屋斯特市，以及羅爾市，Brockton找機會。

林承寬還解釋了投資回報(ROI) 等於利潤除以成本，也就是營業收入減去開支，再除以成本。如何用貸款來比較槓桿化投資回報和非槓桿化的投資回報。他還用秋河市一棟有五戶人家，屋況普通的房屋為例，說明這房屋以62萬5000元購入，交屋成本6250元，估計每月有6500元租金收入，但需繳6235元保險費，5738元物業稅，每個約520元的管理費，以及一年約2000元的維修費，結算下來約有淨利2萬7817元，槓桿化後的投資回報率約14%。

林承寬也解說了租客管理議題，尤其是在長期租約上，要怎麼找好房客，收押金及其他費用，購買房東，在出租期間至少每年檢查一次，在出租期間至少每年檢查一次，要知道房東的責任有哪些，鏟雪，收垃圾，處理漏水問題，帶人看房子，注意遵守麻州的公平房屋法等等。

林承寬提醒座中各人，要求租客購買租客保險並不違法，而且通常租客保險包括了寵物險。這麼做有助於減少法律訴訟機率。

彭聲翔也是個有生醫背景的專業人士，曾經在輝瑞製藥、諾華帝 (Novartis)，博德研究院 (Broad Institute) 等處工作過，因緣際會地從2013年就一腳跨進房地產業，成為新英格蘭大波士頓台灣商會前會長許漱馨所創辦的屋必昇房地產公司 (Move2Boston) 共同負責人，做了150多次交易，還另外組織了一個分享房地產知識和投資大波士頓房地產的社群 Home Boston Group。

彭聲翔的講談主要是“管理房產概要及案例討論"。他列舉出的房地產投資種類有翻轉房屋 (Flipping)和買修租貸循環 (BRRRR)，短期出租，中期出租，以及包括土地，稅務留置權 (tax lien)，自住倉儲，聯合組織，私人借貸等。

彭聲翔解釋翻轉房屋通常是指購買中古屋，進行翻修，讓房屋淨值上升，再賣出獲利，是通過增加房屋價值方式，來賺取利益，非常適合地小人稠屋齡普遍超高的大波士頓。計算公式是ARV，也就是翻修以後的價值減去購買成本，再減去翻新成本，減去其他費用，等於預期利潤。完成一棟翻轉房屋工程，獲利10萬元以上案例，不在少數。

想做翻轉房屋，得先確定預算，包括買屋，翻修，持有的成本費用，再尋找適合的市場，建立包括承包商，房地產經紀，律師等地團隊，挑選並購買房屋，設計及施工，然後出租或出售。

他也以一棟2019年4月，以17萬5000元購入的3家庭房屋為例，每月租金收入3050元，翻修花了2萬6500元，翻修後租金收入每月3800元。2020年11月以26萬5000元出售。這樣算下來，售價減買價，再減維修價，得款6萬3500元，另加租金收入。

BRRRR則是購買、翻修，出租，重新貸款，重複前述步驟的一種投資策略，持續購買和持有出租房產，以循環利用資本來購買更多房產。

彭聲翔也解釋了短、中、長期出租的利弊及注意事項，管理房產時要注意的外牆，內裝分類，目測檢視，申請施工許可證照流程，怎麼做決策考量，如何放大投資及利潤，花錢省麻煩和花錢省時間的考量比較等。他建議有心跨進房地產投資的人，要把這件事當成工作，心態改對了，有助往後經營。

在房地產法律業務上有20多年經驗的胡美惠律師，這天以"房產法律概要"為主題，講談買賣房屋手續中涉及法律部分的注意事項。她列出買賣房屋的步驟，從出價開始，到簽署買賣合約，申請貸款，檢查房屋，最後交屋，期間要防範意外，做居屋檢驗，盡責調查，列出附錄條款清單，包括貸款批准合約才有效，取得可以交屋狀態，拿到交屋聲明等。

交屋律師 (Closing attorney) 有責任保障其所代表客戶的權益，在買賣合約上要詳列出客戶的權益，包括貸款意外，買價，包括及不包括的內容，訂定交屋日期，逃逸條款，清楚產權，損失分佈風險等。

胡美惠律師指出，辦理付款，交屋手續時，最好用銀行本票。一旦達到清楚可交割地步 (Clear to close)，也符合綜合揭露規定，安排過最後的檢視房屋後，就可以拿著銀行本票在交屋律師陪同下辦理交屋手續，請律師或自己做最後提問，拿到鑰匙，就完成了買屋大事。

TCCNE會長王志維表示，該會將繼續努力促成業界合作，提供讓人認識不同行業的機會，也歡迎有想法的人和該會交流，策畫活動。查詢TCCNE詳情，可上臉書，https://www.facebook.com/tccneboston。