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Translator and project manager specialised in business & financial translations.
Account type
Freelance translator and/or interpreter, Verified site user
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French to Spanish: Mutual Funds FR-ES General field: Bus/Financial Detailed field: Investment / Securities
Source text - French L’objectif de ce compartiment est d’offrir aux investisseurs un degré élevé de protection de leur capital libellé en francs suisses en investissant en valeurs mobilières à revenu fixe, tels que des obligations, bons du Trésor et effets émis par des émetteurs gouvernementaux ou leurs départements, des eurobonds et des obligations à taux flottant dont la durée résiduelle de chaque placement n’excède pas trois ans.
Translation - Spanish El objetivo de este subfondo es ofrecer a los inversores un elevado grado de protección de su capital denominado en francos suizos con la inversión en valores mobiliarios de renta fija, como obligaciones, bonos del Tesoro y efectos emitidos por emisores gubernamentales o sus organismos, eurobonos y obligaciones de interés variable, la duración residual de cada inversión no pudiendo sobrepasar los tres años.
English to Spanish: Economics EN-ES General field: Bus/Financial Detailed field: Economics
Source text - English Budget deficits are now expected to average around 2.5% of GDP in Euroland in both 2003 and 2004, although there are considerable uncertainties around this main scenario as indicated in Figure 1.2. In this scenario, which assumes no significant new fiscal policy changes, the German and French budget deficits are expected to remain above 3% of GDP in 2003 and the Italian deficit is also likely to be close to this limit in 2003-4. We believe it would be sensible for the EC to adopt a flexible interpretation of the Stability Pact at this stage in the cycle, allowing countries to let the automatic fiscal stabilisers operate in full.
Translation - Spanish Actualmente se espera que los déficit públicos se sitúen entorno a una media del 2,5% del PIB en la Zona Euro tanto en 2003 como en 2004, aunque hay bastante incertidumbre sobre este escenario principal, como se indica en el cuadro 1.2. En este escenario, que supone que no habrá nuevos cambios importantes de política fiscal, se espera que los déficit públicos de Alemania y Francia permanezcan por encima del 3% del PIB en 2003 y también es probable que el déficit de Italia se acerque a este límite en 2003-4. Creemos que sería sensato que la CE hiciera una interpretación flexible del Pacto de Estabilidad en esta fase del ciclo económico, para permitir a los países que dejen funcionar plenamente los estabilizadores fiscales automáticos.
English to Spanish: Insurance EN-ES General field: Bus/Financial Detailed field: Insurance
Source text - English Classes I & IV - Life & Annuity and Permanent Health: Policies will be sold combining Life, Disability, Critical Illness and Redundancy Insurance. The company will underwrite the Life cover and will also cover Disability and Critical Illness Benefits where terms are for a period greater than 5 years and policies are non-cancelable by the insurer. Policies will cover the loan balance outstanding at the time of death or diagnosis of critical illness payable directly to the lender. Disability benefit will provide cover for the monthly repayments of the loan for the duration of the disability. Rates will be set using the company’s historic data based on our experience of similar schemes in the UK and Netherlands and in conjunction with the local market experience of the local sister companies.
Translation - Spanish Clases I y IV: Vida y Anualidades y permanente de Enfermedad: las pólizas se venderán combinando seguro de vida, incapacidad, enfermedad grave y desempleo. La empresa asegurará la cobertura de vida así como las prestaciones por incapacidad y enfermedad grave cuando el plazo sea por una duración de más de 5 años y la póliza no pueda ser cancelada por el asegurador. Las pólizas cubrirán el saldo pendiente del préstamo en el momento de fallecimiento o diagnóstico de enfermedad grave pagadero directamente al prestamista. La prestación por incapacidad ofrecerá cobertura para los reembolsos mensuales del préstamo durante la duración de la incapacidad. Las tarifas se fijarán utilizando datos históricos de la empresa basándose en nuestra experiencia en esquemas similares en el Reino Unido y los Países Bajos y junto con la experiencia en el mercado local de nuestras empresas afiliadas locales.
German to Spanish: Mutual Funds DE-ES General field: Bus/Financial Detailed field: Investment / Securities
Source text - German Welche Vorteile bietet Ihnen dieser neue Fonds?
Ihr Geld steht Ihnen stets zur Verfügung: Anders als die Mehrheit der Garantiefonds auf dem Markt, die Ihnen nicht die Möglichkeit bieten über Ihr Geld vor Ablauf der Laufzeit des Fonds zu verfügen, ohne eine hohe Gebühr zahlen zu müssen, ermöglicht Ihnen der Fonds XXX Garantizado FIM in dreimonatlichen Abständen über Ihr Geld zu verfügen und zwar zum jeweils aktuellen Verkaufskurs, ohne dass Ihnen dadurch Extrakosten entstehen würden.
Translation - Spanish ¿Qué ventajas le ofrece este nuevo fondo?
Podrá disponer constantemente de su dinero: a diferencia de la mayoría de fondos garantizados del mercado, que no le ofrecen la opción de efectuar reembolsos antes del vencimiento del fondo a menos que pague una elevada comisión, el fondo XXX Garantizado FIM le permite disponer de su dinero cada tres meses y además al precio del valor liquidativo correspondiente en cada momento, sin que ello le comporte ningún coste adicional.
English to Spanish: Accounting EN-ES General field: Bus/Financial Detailed field: Accounting
Source text - English Accounting policy
Leases are classified as finance leases whenever the terms of the lease transfer substantially all the risks and rewards of ownership to the lessee. All other leases are classified as operating leases.
Operating lease payments are recognised as an expense on a straight-line basis over the lease term, except where another systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed.
Assets held under finance leases are initially recognised as assets at their fair value at the inception of the lease or, if lower, at the present value of the minimum lease payments. The corresponding liability to the lessor is included in the balance sheet as a finance lease obligation. Lease payments are apportioned between finance expenses and reduction of the lease obligation so as to achieve a constant rate of interest on the remaining balance of the liability.
Translation - Spanish Política contable
Los arrendamientos se clasifican como arrendamientos financieros cuando las condiciones del contrato de arrendamiento transfieran sustancialmente todos los riesgos y beneficios inherentes a la propiedad al arrendatario. Todos los demás arrendamientos se clasifican como arrendamientos operativos.
Las cuotas de los arrendamientos operativos se reconocen como gasto de forma lineal a lo largo del plazo del arrendamiento, a menos que cualquier otro procedimiento de reparto sistemático sea más representativo del patrón temporal de consumo de beneficios económicos del activo arrendado.
Los activos en arrendamiento financiero se reconocen inicialmente como activos a su valor razonable al inicio del arrendamiento o, de ser inferior, al valor actual de los pagos mínimos por el arrendamiento. El pasivo correspondiente del arrendador se incluirá en el balance como obligación por arrendamiento financiero. Los pagos por el arrendamiento se dividen entre gastos financieros y una reducción de la obligación por arrendamiento, de modo que se obtenga un tipo de interés constante sobre el saldo de la deuda pendiente de amortizar.
English to Spanish: Economic Policy DE-ES General field: Bus/Financial Detailed field: Economics
Source text - English Die Verunsicherung an den Märkten hält an. Anleger in den USA und in Europa warten ab, welche Wege aus der Schuldenmisere die Länder eröffnen werden. Bis Jahresende stehen dafür einige wirtschaftspolitische Entscheidungen an, die richtungsweisend für die Entwicklung 2012 sein dürften.
'Die Frage ist, ob wir es schaffen, in Zeiten einer schweren nationalen Krise mit dem politischen Zirkus aufzuhören und tatsächlich etwas zu tun, was der Wirtschaft hilft.' US-Präsident Barack Obama brachte es bei seiner Rede vor dem Kongress am 8. September auf den Punkt: Die Politik ist gefordert, jetzt endlich entschlossen und gemeinsam zu handeln – das gilt im Übrigen sowohl für die USA als auch für Europa. Denn verhaltene Wachstumsprognosen und die massive Verschuldung der USA sowie einiger Eurostaaten sorgen derzeit für eine pessimistische Grundstimmung, in der selbst positive Wirtschaftsnachrichten und solide Quartalszahlen vieler Unternehmen ohne Widerhall bleiben. Möchte man dieser Situation etwas Positives abgewinnen, dann vielleicht die Tatsache, dass der Handlungsdruck auf die Politik dadurch weiter steigt.
Translation - Spanish Continúa la incertidumbre en los mercados. Los inversores de los Estados Unidos y Europa están a la espera de ver qué salidas encontrarán los Estados a los problemas de endeudamiento. Hay algunas decisiones de política económica a tomar hasta finales de año que deberían ser decisivas para la evolución en 2012.
'La cuestión es si conseguiremos, en tiempos de una grave crisis nacional, detener el circo político y hacer realmente algo para ayudar a la economía'. El presidente de EE. UU. Barack Obama dio en el clavo con sus declaraciones ante el Congreso el 8 de septiembre: la política debe actuar de una vez de manera resuelta y unida; por lo demás, esto vale tanto para los EE. UU. como Europa. Dado el clima pesimista que dejan presagiar actualmente las previsiones de crecimiento reservadas y el endeudamiento masivo de los Estados Unidos y algunos países de la zona euro, incluso los datos económicos positivos y las sólidas cifras trimestrales de muchas empresas quedan sin eco. Si hubiera algo positivo que extraer de esta situación, sería tal vez el hecho de que la presión sobre los políticos para que actúen sigue en aumento.
English to Spanish (Universitat de Vic, Traducció i Documentació, Facultat de Ciències Humanes, verified) German to Spanish (Universitat de Vic, Traducció i Documentació, Facultat de Ciències Humanes, verified) English to Spanish (Ministerio de Asuntos Exteriores y Cooperación, verified)
I am a native Spanish speaker and an experienced full-time translator into this language. As a financial economics graduate and former financial analyst/trader, I am specialised in the translation of business and financial documents: Accounting, Management, Marketing, Human Resources, Capital Markets, Mutual Funds, Sustainable Finance/ESG Investing... That said, the bulk of my work is for the investment fund industry.
I’ve been a full-time professional translator since 2002 and have translated several million words from English, French & German into Spanish. I completed my Translation and Interpreting Degree in 2012. I'm a sworn translator & interpreter from English to Spanish. I can also provide translations in the Spanish>English combination (including sworn translations) working in team with a native English-speaking translator.
I help my clients in a number of ways. I can either act as a freelance translator or I can combine my linguistic expertise with my strong project management skills and put together a team to translate your material. I have extensive experience managing projects in a wide range of languages.
I translate on an ongoing basis for major consulting firms, leading investment banks, asset managers and other large corporate groups.
See more information, samples of past work and some clients I've worked for on my personal website: http://myspanishtranslator.com.
LANGUAGE EXPERTISE (Spanish mother tongue):
- English: I have translated / reviewed over 420,000 words from English in the last 24 months. I worked in a US company for over 2 years and I spend several months a year in Ireland since 2004.
- German: I have translated / reviewed over 140,000 words from German in the last 24 months. I have lived in Switzerland for a year, where I studied in the German-speaking University of Fribourg.
- French: I have translated / reviewed over 160,000 words from French in the last 24 months. I have lived for over 5 years in French speaking countries and I studied a Masters in the university of Louvain, Belgium.
BACKGROUND:
My academic and professional background is as an economist. I have a Degree in Business Administration from the University of Barcelona and a Masters in Financial Economics from the Catholic University of Leuven (Belgium). I worked for 3 years as a management consultant and financial analyst (mainly FX trading and cash management). I have been a full-time independent translator since 2003 and I completed my Translation and Interpreting Degree in 2012. I provide sworn translation & interpreting services in English <>Spanish.
COMPUTERS:
Good computer skills, regular user of Microsoft Office and Trados.
INTERESTS:
I'm an avid reader and a travel enthusiast. OTHER: Payment via Paypal accepted.
Some recent projects in various sectors for which I've worked include:
Automotive
Audited financial statements of a German automotive supplier: 19000 words (Major automotive supplier)
Credit application: 1200 words (Automaker financial company)
Employee Newsletter: 1500 words (Automaker financial company)
European Works Council meeting minutes: 5700 words (Major automotive supplier)
Sales training material: 2300 words (Automaker financial company)
Heavy industry
Accounting policy of a German supplier of tunnelling technology: 31500 words (leading manufacturer of tunnel boring machines)
Banking & Finance
European Banking Association guidelines & financial reporting templates for EU program: 20000 words (EU Institutions)
Compliance policy (KYC, ALM,...): 21000 words (Major German Bank)
Online training modules on International Factoring: 29000 words (International Association of Factoring companies)
Glossary and e-learning material on Factoring: 6600 words (International Association of Factoring companies)
Structured note terms: several, ranging from 2500 to 4500 words (Major German bank)
Commodities investment fund presentation: 800 words (Luxembourg Private Bank)
Employee appraisal policy: 4000 words (Major British bank)
Employee competence model : 3300 words (Major German bank)
Employee intranet: 5700 words (Major British bank)
Employee qualification policy: 6800 words (Major British bank)
Investment fund performance commentaries: 6600 words (Major British bank)
Investment fund quarterly reports: 3400 words (Major British bank)
Market commentaries: 4000 words (Luxembourg Private Bank)
Presentation on Discretionary Management Mandate: 3700 words (Asset Management division of a major French bank)
Quarterly Financial markets Outlook: 7000 words (Asset Management division of a major German bank)
2017 Investment Outlook report: 9500 words (major German bank)
Environment
UN Climate Action "Act Now" campaign copy: 1,300 words (United Nations)
UN Sustainable Development Goals Social Media Guide: 2,500 words (World-leading UK professional services firm)
Environmental check-list for green buildings: 25,000 words (German real estate investment company)
Report on sustainable investment & energy transition: 2,220 words (French asset manager)
Defence
Corporate strategy report: 9500 words (Global defence provider)
Food
Audit report of a German food producer : 8600 words (Major auditing company)
Legislation
Luxemburg trust law: 3800 words (Spanish subsidiary of a major German bank)
Government policy
Report on creativity & innovation policy: 3700 words (Council of Economic Analysis of the French Prime Minister's Office)
Report on employee mobility: 3100 words (Council of Economic Analysis of the French Prime Minister's Office)
Report on labour market reform: 3600 words (Council of Economic Analysis of the French Prime Minister's Office)
Report on long-term investments: 2200 words (Council of Economic Analysis of the French Prime Minister's Office)
Report on patent markets: 2250 words (Council of Economic Analysis of the French Prime Minister's Office)
Report on the effects of oil prices: 4500 words (Council of Economic Analysis of the French Prime Minister's Office)
Transfer Pricing study: 10300 words (Industry research provider)
Health
Information package for new UK associates: 4000 words (Dental care provider)
Mutual funds
Investment fund annual reports: 11000 words (Major Luxembourg Asset Manager)
Investment fund prospectus update: 10600 words (Mutual funds provider)
Investment fund prospectus update: 2000 words (Swiss Private Bank)
Real Estate
Report on the performance of Real Estate Fund: 5000 words (Asset Management division of a major German bank)
Software
Accessibility Software Datasheet: 450 words (Assistive software developer)
Software reseller agreement: 4500 words (Provider of interactive learning products)
Expertise