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English to Spanish: Key Credit Terms for Credit Card Agreement Detailed field: Finance (general)
Source text - English The Key Credit Terms for the XXXXX
Credit Card Agreement are as follows:
Annual Percentage Rate for Purchases
15.10%
Delinquency Rate*
29.79%
Variable Rate Information
Your Annual Percentage Rate may vary and will be equal to the prime rate plus 12.85% but not less than 19.60%. The Delinquency Rate may vary and will be equal to the prime rate plus 18.35 % but not less than 25.99%.
The prime rate for a billing period is the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the last business day of the calendar month preceding the first day of the billing period.
Grace Period for the Repayment of the Balance for Purchases
At least 23 days if no previous balance or if full payment is made; otherwise none.
Method of Computing the Balance for Purchases
Average Daily Balance (Including New Purchases)
Minimum Finance Charge
$1.00
Late Payment Fee: The amount of the Late Payment Fee will be based on your New Balance at the time your delinquent Minimum Payment was calculated. The Late Payment Fee will be $10 for a New Balance between $15 and $49.99; $29 if your New Balance is between $50 and $999.99; or $35 for New Balances of $1,000 or greater.
Returned Check Fee: $29
*The APRs for all Account balances (including any promotional rates) may be increased if you fail to make at least your Minimum Payment by the Payment Due Date in each of two consecutive billing periods. If we increase your APRs, the new APRs will be equal to the Delinquency Rate, or at our discretion a lower rate. Our decision may be based on factors such as the timing or seriousness of any default, your payment and purchase history on this Account and other indications of Account performance. The increased APR will apply to your existing balances and future transactions and will take effect as of the first day of the billing period in which your missed payment was due. We may also change rates or other terms as provided in the credit card agreement.
YOU MAY REQUEST THE CODE OF PROCEDURE, RULES AND FORMS OF THE ARBITRATION ADMINISTRATOR SELECTED, BY CALLING THE TOLLFREE NUMBERS LISTED IN THE AGREEMENT.
Translation - Spanish Los Términos y Condiciones de Crédito Importantes en el Contrato de Tarjeta de Crédito XXXXX son los siguientes:
Tasa Porcentual Anual para Compras
15.10%
Tasa de Morosidad*
29.79%
Información de Tasa Variable
Su Tasa Porcentual Anual puede variar y será el equivalente a la tasa preferencial más 12.85% pero en ningún caso menor de 19.60%. La Tasa de Morosidad puede variar y será equivalente a la tasa preferencial más 18.35 % pero en ningún caso menor de 25.99%.
La tasa preferencial para un período de facturación equivale a la tasa de interés preferencial más alta para préstamos bancarios, conforme se publique en The Wall Street Journal, en su sección Tasas Monetarias (Money Rates) el último día hábil del mes calendario anterior al primer día del período de facturación.
Período de Gracia para el Pago del Saldo de Compras
Al menos 23 días si no hay saldo anterior o si el saldo se paga en su totalidad; de lo contrario ninguno.
Método utilizado para Calcular el Saldo de Compras
Saldo Diario Promedio (incluidas las Compras Nuevas)
Cargo Mínimo por Financiamiento
$1.00
Cargo por Pagos Atrasados: El monto del Cargo por Pagos Atrasados se basará en su Nuevo Saldo al momento del cálculo de su Pago Mínimo moroso. El Cargo por Pagos Atrasados será de $10 para un Nuevo Saldo entre $15 y $49.99, $29 si su Nuevo Saldo se encuentra entre $50 y $999.99; ó $35 para Nuevos (Saldos) Balances de $1,000 o más.
Cargo por Cheques Devueltos: $29
* Las Tasas Porcentuales Anuales para todos los saldos de la Cuenta (incluyendo cualquier tasa promocional) pueden aumentar si deja de realizar por lo menos su Pago Mínimo a más tardar en la Fecha de Vencimiento de Pago en dos períodos de facturación consecutivos. Si aumentamos sus Tasas Porcentuales Anuales, las nuevas Tasas Porcentuales Anuales serán equivalentes a la Tasa de Morosidad, o a una tasa más baja de acuerdo con nuestro absoluto criterio. Nuestra decisión se puede basar en factores como el momento o la seriedad de cualquier incumplimiento, su historial de pagos y compras en esta Cuenta y otras indicaciones del desempeño de la Cuenta. La Tasa Porcentual Anual aumentada se aplicará a sus saldos existentes y transacciones futuras y entrará en vigencia a partir del primer día del período de facturación en el que venció el pago no realizado. También podremos cambiar las tasas u otros términos y condiciones como se provee en el contrato de tarjeta de crédito.
PUEDE SOLICITAR EL CÓDIGO DE PROCEDIMIENTOS, NORMAS Y FORMAS DEL ADMINISTRADOR DE ARBITRAJE SELECCIONADO, LLAMANDO A LOS NÚMEROS GRATUITOS MENCIONADOS EN EL CONTRATO.
English to Spanish: Black Holes Detailed field: Science (general)
Source text - English According to the theory of relativity, nothing can travel faster than Light. Thus if light cannot escape, neither can anything else; everything is dragged back by the gravitational field. So one has a set of events, a region of space-time, from which it is not possible to escape to reach a distant observer. This region is what we now call a black hole. Its boundary is called the event horizon and it coincides with the paths of light rays that just fail to escape from the black hole.
…The event horizon, the boundary of the region of space-time from which it is not possible to escape, acts rather like a one-way membrane around the black hole: objects, such us unwary astronauts, can fall through the event horizon into the black hole, but nothing can ever get out of the black hole through the event horizon. (Remember that the event horizon is the path in space-time of light that is trying to escape from the black hole, and nothing can travel faster than light.) One could well say of the event horizon what the poet Dante said of the entrance to hell: “All hope abandon, ye who enter here.” Anything or anyone who falls through the event horizon will soon reach the region of infinite density and the end of time.
General relativity predicts that heavy objects that are moving will cause the emission of gravitational waves, ripples in the curvature of space that travel at the speed of light. These are similar to light waves, which are ripples of the electromagnetic field, but they are much harder to detect. Like light, they carry energy away from the objects that emit them. One would therefore expect a system of massive object to settle down eventually to a stationary state, because the energy in any movement would be carried away by the emission of gravitational waves. (It is rather like dropping a cork into water: at first it bobs up and down a great deal, but as the ripples carry away its energy, it eventually settles down to a stationary state.) For example, the movement of the earth in its orbit around the sun produces gravitational waves. The effect of the energy loss will be to change the orbit of the earth so that gradually it gets nearer to the sun, eventually collides with it and settles down to a stationary state. The rate of energy loss in the case of the earth and the sun is very low —about enough to run a small electric heater. This means it will take about a thousand million million million million years for the earth to run into the sun, so there’s no immediate cause for worry! The change in the orbit of the earth is too slow to be observed, but this same effect has been observed over the past few years occurring in the system called PSR 1913+16 (PSR stands for “pulsar,” a especial type of neutron star that emits regular pulses of radio waves). This system contains two neutron stars orbiting each other, and the energy they are losing by the emission of gravitational waves is causing them to spiral in towards each other…
Translation - Spanish De acuerdo con la teoría de la relatividad nada puede viajar más rápido que la luz; como consecuencia, si la luz no puede escapar, nada puede hacerlo, todo será atraído por el campo gravitacional. Así tenemos una serie de eventos, una región del espacio tiempo de la cual es imposible escapar y alcanzar a un observador en la distancia. Esta zona es lo que llamamos un agujero negro. Su límite es lo que llamamos el horizonte de eventos y coincide con la ruta de la luz que simplemente no logró escapar del agujero negro…
… El horizonte de eventos, el límite de la región del espacio-tiempo desde el cual es imposible escapar, actúa más bien como una membrana en una sola dirección alrededor del agujero negro; objetos como un astronauta desprevenido, pueden caer en el agujero negro a través del horizonte de eventos (Recuerde que el horizonte de eventos es la zona de espacio-tiempo desde la cual la luz está tratando de escapar del agujero negro y nada puede viajar más rápido que la luz). Uno podría decir del horizonte de eventos lo mismo que el poeta Dante dice sobre la entrada al infierno: “¡Perded toda esperanza los que entráis!”, cualquier persona o cosa que caiga a través del horizonte de eventos pronto llegará a la zona de densidad infinita y al final del tiempo…
…La teoría de la relatividad predice que los objetos pesados en movimiento emiten ondas gravitacionales. Estas son vibraciones en la curvatura del espacio que viajan a la velocidad de la luz y son similares a las ondas de luz; vibraciones del campo electromagnético pero mucho más difíciles de detectar. Tal como la luz, ellas despiden energía fuera de los objetos que la emiten, como consecuencia uno espera que un sistema de objetos macizos eventualmente llegue a un estado estacionario, porque con cada movimiento se pierde energía debido a la emisión de ondas gravitacionales (es como poner un corcho en el agua: este al principio se balancea con fuerza, sin embargo a medida que la vibración le hace perder su propia energía, eventualmente se aquieta hasta entrar en un estado estacionario). Por ejemplo el movimiento de la tierra en su órbita alrededor del sol produce ondas gravitacionales, la pérdida de energía produciría el efecto de cambiar la órbita de la tierra de tal manera que la tierra estaría gradualmente más cerca del sol y eventualmente colisionarían quedando en un estado estacionario. El índice de pérdida de energía entre la tierra y el sol es muy bajo (la suficiente para hacer funcionar un calentador eléctrico pequeño.) Esto significa que la tierra tardará miles de millones de años en colisionar con el sol, de manera que, ¡no existe razón inminente para preocuparse! El cambio en la órbita de la tierra es muy lento para ser observado, pero en los últimos años, el mismo efecto ha sido visto en el sistema llamado PSR 1913+16 (PSR es la sigla de “pulsar”, un tipo especial de estrella de neutrones que emite pulsaciones regulares de ondas radioeléctricas). Este sistema contiene dos estrellas de neutrones cuyas órbitas se mueven la una alrededor de la otra y cuya pérdida de energía por la emisión de ondas gravitacionales está causando que caigan sobre sí mismas en espiral…
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Translation education
Master's degree - Kent State University
Experience
Years of experience: 9. Registered at ProZ.com: Jul 2005.
Adobe Acrobat, Adobe Photoshop, Microsoft Excel, Microsoft Word, Heartsome TMX Editor, Multiterm Extract, Phrasefinder, Powerpoint, QuarkXPress, SDLX, Trados Studio
I graduated on Linguistics and Literature in Colombia and started my own desktop publishing business. I became familiar with publishing processes and desktop publishing software like Corel and Quark. I used to edit, proofread and control quality for brochures, magazines, posters and business communications for companies like Johnson & Johnson, Procter & Gamble, and local government institutions among many others back in Colombia. At the same time, I created and regularly conducted workshops on efficient written communication for executives.
I finished a master degree on translation at Kent State University. I started as a freelance translator translating insurance and business text for insurance companies. I have expanded my expertise to many other areas such as Social Studies, Human Resources, Education and Pedagogy, Linguistic and Marketing among others.
I developed a passion for terminology at Kent, and have coordinated and have been part of many terminology projects. I have created my own glossaries and keep them constantly growing as I am constantly researching and translating on each field. I provide support to different translation agencies preparing terminology for translation, glossary creation and updates and, term extraction.
Besides being a translator, I am a freelance editor and Marketing Reviewer for some translation agencies. My experience in editing and desktop publishing has been a great asset for my translation career. I have been looking for the perfect text and the most efficient ways to communicate from early stages of my professional career, which “translates” into High Quality translations.
This user has reported completing projects in the following job categories, language pairs, and fields.
Project History Summary
Total projects
14
With client feedback
0
Corroborated
0
0 positive (0 entries)
positive
0
neutral
0
negative
0
Job type
Translation
8
Editing/proofreading
6
Language pairs
English to Spanish
14
Specialty fields
Business/Commerce (general)
8
Telecom(munications)
3
Education / Pedagogy
3
Finance (general)
2
Architecture
1
Other
1
Insurance
1
Other fields
Computers: Software
1
Science (general)
1
Keywords: Terminologist, linguist, Spanish, architecture, leader translator, terminological databases, multiterm, term extract, extract, native. See more.Terminologist, linguist, Spanish, architecture, leader translator, terminological databases, multiterm, term extract, extract, native, testing, diamonds, sapphires, Translator, storage, proofreader, editor, Terminology, glossary creation, insurance, Social Studies, Science, Marketing, Business, review, proofreading, editor, Trados, multiterm, Financial Products, Investments, Insurance, Architecture, products, Real Estate, Retirement, Plans, Human Resources, Organizational Development, general areas, Productos Financieros, Inversiones, productos de seguros, bienes raíces, planes de retiro, recursos humanos, desarrollo organizacional, áreas, arquitectura, generales, education, traductor, seguros, mercadeo, revisión, edición, negocios, ciencias, terminología, arquitectura, joyería, traductor, revisor, editor. See less.
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