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English to Spanish: Phishing A Rapidly Growing Threat To Internet Users
Source text - English Phishing A Rapidly Growing Threat To Internet Users
The Internet is host to a wealth of information, entertainment and convenience. But just like the real world, the cyber world also has predators — those who are out to scam Internet users.
Phishing, a form of e-mail and Web fraud used by con artists to steal identities, is now one of the most popular scams used by spammers. More than 57 million Americans said they received a phishing e-mail in 2004, nearly 2 million took the bait, and roughly 100,000 said they were scammed as a result. Analysts estimate that online identity theft cost banks and card issuers $1.2 billion in direct losses last year.
Phishing is a fairly recent Internet phenomenon, but one that has grown rapidly. Phishers use fake e-mail messages and Web sites to fool people into giving out their financial data such as credit card numbers, account numbers and passwords, and Social Security numbers.
Translation - Spanish “Phishing” una amenaza para los usuarios de la Internet que crece rápidamente
La Internet es el posadero para una gran cantidad de información, entretenimiento y conveniencia. Pero exactamente así como en el mundo real, el mundo “cyber” también tiene depredadores—aquéllos que están allá para estafar a los usuarios de la Internet.
“Phishing”, una forma de fraude a través del correo electrónico y de la Web usado por estafadores para robar identidades, es ahora una de las estafas más populares usadas por “spammers” (personas o empresas que envían correos electrónicos no solicitados). Más de 57 millones de americanos dijeron haber recibido un correo electrónico del tipo “phishing” en 2004, casi 2 millones mordieron la carnada, y aproximadamente 100.000 dijeron que habían sido estafados como resultado. Los analistas estiman que el robo de identidades en línea les costó a los bancos y a emisores de tarjetas de crédito $1.2 mil millones en pérdidas directas el año pasado.
“Phishing” es un fenómeno de Internet bastante reciente, pero uno que ha crecido rápidamente. Los “Phishers” usan mensajes de correo electrónico y sitios Web falsos para convencer a las personas a que den sus datos financieros tales como números de tarjeta de crédito, números de cuenta y contraseñas, y los números de Seguridad Social.
Spanish to English: EU podría cambiar su ley de bancarrotas
Source text - Spanish EU podría cambiar su ley de bancarrotas
El Senado de Estados Unidos, bajo control republicano, aprobó una reforma a la ley de bancarrotas, que hará más difícil que los consumidores se declaren en quiebra para evitar el pago de sus deudas.
Los cambios en la ley
El proyecto de ley, que podría ser sometido a votación en la en la Cámara de Representantes en abril, cuenta con el respaldo del sector financiero y sobre todo de las instituciones bancarias que emiten tarjetas de crédito, que desde hace ocho años han impulsado una reforma de la ley.
Según el Instituto Americano de Bancarrotas, en EU 1 de cada 73 hogares se presentaron en bancarrota durante el 2004.
El proyecto busca determinar si las personas o empresas que se declaran en bancarrota para eliminar sus deudas siguen ganando lo suficiente como para pagarlas. Si este fuera el caso, la corte impondría un Capítulo 13 de reestructuración de la deuda, en la que el deudor se compromete a pagar en cuotas parte de su deuda en un plazo aproximado de 3 años.
Quienes no tengan los medios, entonces podrían presentar una quiebra por Capítulo 7. Esta es la más utilizada actualmente en Estados Unidos (aproximadamente dos de cada tres bancarrotas son de este tipo). Con este tipo de bancarrota, se borran todas las deudas, excepto las que están aseguradas por un bien (inmobiliario o carro, por ejemplo).
La nueva ley también prevé que las personas que quieran declararse en bancarrota primero tienen que pasar por un proceso de consejería.
Translation - English U. S. Could Change Its Bankruptcy Law
The United States Senate, under Republican control, approved a reform to the bankruptcy law that will make it more difficult for consumers to declare themselves bankrupt in order to avoid the payment of their debts.
The changes in the law
The bill, which could be subjected to voting in the House of Representatives in April, has the backing of the financial sector and, above all, of the banking institutions that issue credit cards, which have promoted a reform of the law since eight years ago.
According to the American Bankruptcy Institute, in the United States, 1 of every 73 households declared itself in bankruptcy during 2004.
The project seeks to determine whether people or companies that declare themselves in bankruptcy to eliminate their debts continue earning enough so as to pay them. If this were the case, the court would impose a Chapter 13 restructuring of the debt, in which the debtor commits to paying in installments part of his or her debt in an approximate 3-year term.
Whoever doesn't have the means could, then, file a Chapter 7 bankruptcy. This is currently the most used in the United States (approximately two out of every three bankruptcies are of this type). With this type of bankruptcy, all debts are wiped out, except those that are secured by an asset (real estate or car, for example).
The new law also foresees that people who want to declare themselves in bankruptcy first have to go through an counseling process.
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Years of experience: 30. Registered at ProZ.com: Jun 2001.
Microsoft Excel, Microsoft Word, L & H Power Tanslator
Bio
My education in Business Administration (Sydney Tech. College), International Trade (import/export) (Sydney Tech. College), and Finance and Investment ( Securities Institute of Australia) together with ample business experience as a Customs Agent, Manager, Business owner, Salesperson, Teacher, and Translator give me the required experience to handle almost any commercially oriented translation. I do have, as a result of my many years working as a Customs Agent, an equally extensive vocabulary in technical areas. However, I would not say that I am an expert in technical areas except, to some extent, in health areas due to extensive personal reading.
Extensive knowledge of both the English and Spanish languages. Prior to becoming an English teacher and Freelance Translator, at age 44, I had spent half my life using Spanish in my native country, Colombia, and the other half using English in both USA (1 ½ years) and Australia (20 years). Now, at age 59, I have achieved a very high level of knowledge, and extensive vocabulary in both languages. I am, therefore, able to provide high quality translations, both English into Spanish, and Spanish into English. Ample on-the-spot experience gives me the edge of a native speaker in both languages. I believe a translator should not rely too much on dictionaries from where it is difficult, at times, to glean all the nuances of meaning of everyday language. Only when one has actually lived within the particular culture does one acquire the ‘feel’ for the language required to make accurate translations.
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