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Spanish to English: Business Valuation Report General field: Bus/Financial Detailed field: Finance (general)
Source text - Spanish En la valoración de LA EMPRESA hemos utilizado el método de Costo de Capital Ponderado debido a que este método permite valorar la empresa tomando en cuenta la tasa de descuento que un inversor estratégico asumiría.
El análisis de flujo de caja descontado toma en cuenta las condiciones especificas de una empresa en una industria determinada, los riesgos particulares asociados a dicha inclustna y a un determinado país.
Tasa de Descuento Las principales teorías financieras indican que la tasa de descuento apropiada para evaluar cualquier inversión que adopte una compañía es el costo de capital asociado con esa respectiva inversión.
El costo de capital es el retorno que los inversores esperan recibir como compensación por el riesgo que asumieron al invertir. Por lo tanto, el costo de capital debe medir solo el riesgo de esa inversión.
Hay dos factores en el riesgo de una inversión que repercuten en el costo de capital
Riesgo del Negocio: la incertidumbre y volatilidad de los activos y los flujos de caja relacionados con la inversión, que incluyen:
• La inflación y el costo real de capital en la moneda base usada en la valoración;
• Los riesgos asociados con una inversión en una industria específica; y
• Los riesgos asociados con una inversión en una industria específica en un país determinado. Riesgo Financiero: el riesgo adicional asociado con cualquier tipo de financiamiento a largo plazo.
Valor de Mercado vs. Valor en Libros Es importante utilizar los valores ponderados de mercado de la deuda y capital y no los valores en libro, ya que los valores de mercado reflejan más fehacientemente el verdadero valor de la empresa.
Objetivo
El objetivo básico del presente trabajo es establecer un rango de valor de LA EMPRESA que permita a las autoridades a cargo de su privatización determinar el precio base de la misma, a efectos del proceso licitatorio para la venta del 51% de las acciones de LA EMPRESA.
Es importante recalcar que la determinación del precio base no implica que las acciones de LA EMPRESA serán necesariamente vendidas a dicho precio.
En efecto, en un proceso competitivo, los diferentes inversores pondrán bajo su consideración distintas variables que impactarían favorablemente sobre el valor de LA EMPRESA, las cuales serían puestas de manifiesto en las ofertas económicas de cada uno de los mismos.
Translation - English In the valuation of THE BUSINESS, the Weighted Cost of Capital method was used, as said method allows for the valuation of the business while taking into account the discount rate that a strategic investor will receive.
The discounted cash flow analysis takes into account the specific conditions of a business in a particular industry as well as the risks associated with said industry in a certain country.
Discount Rate
The main financial theories indicate that the discount rate necessary to evaluate any investment that a company should make is the cost of capital associated with said investment.
The cost of capital is the return that the investors expect to receive as compensation for the risk that they assume upon investing. Therefore, the cost of capital must only measure the risk of that investment.
There are two factors in investment risk that impact the cost of capital
Business Risk: The uncertainty and volatility of the assets and cash flows related to the investment, which include:
• The inflation and the real cost of capital of the base currency used in the valuation;
• The risks associated with an investment in a particular industry; and
• The risks associated with an investment in a particular industry in a specific country.
Financial Risk: The additional risk associated with any type of long-term financing.
Market Value vs. Book Value
It is important to use the weighted market values of debt and equity and not the book values, as the market values are a more reliable indication of the true value of the business.
Objective
The main objective of this task is to establish a range of value of THE BUSINESS that allows the authorities in charge of its privatization to determine the base value of THE BUSINESS, for the purpose of a commercial bid process for the sale of 51% of the shares of THE BUSINESS.
It is important to emphasize that the determination of the base price does not imply that the shares of THE BUSINESS will necessarily be sold at said price.
In fact, in a competitive process, the different investors will take into consideration certain variables that will favorably impact the value of THE BUSINESS. Said variables shall be included in each investor’s financial bid.
Spanish to English: Judgment; Appeal for the Protection Constitutional Rights General field: Law/Patents Detailed field: Law (general)
Source text - Spanish d) Con fecha de 6 de mayo de 2008, Caja Madrid comunicó a doña Mª Cruz Jara el vencimiento anticipado del contrato de préstamo hipotecario por impago de dos mensualidades, reclamándole la totalidad de la cantidad prestada (571.000,00 €). Esta circunstancia fue puesta inmediatamente por la actora en conocimiento del Juzgado de Primera Instancia número 80 (de Familia), que –como luego se dirá- sólo el 13 de abril de 2009 dictó providencia fijando la deuda del Sr. Force Redondo y requiriendo a las entidades Tasamadrid y Caja Madrid (para las que trabaja el demandado) la retención del importe adeudado e incluso de una parte de sus haberes.
e) Por escrito de 8 de mayo de 2008, la demandante de amparo solicitó la ampliación de la ejecución por un importe total de 10.472,67 €, pues el ejecutado, desde el mes de febrero de 2008, también había dejado de abonar las cuotas mensuales del préstamo hipotecario, y la entidad Caja Madrid –como acreedora hipotecaria- le había comunicado vía burofax, en fecha 6 de mayo de 2008, el vencimiento anticipado del crédito hipotecario, con la advertencia de iniciar acciones judiciales si en el plazo de diez días no se liquidaba la deuda. En el mismo escrito, la demandante solicitaba la retención de haberes percibidos por el ejecutado de su empleadora Tasaciones Madrid S.A. así como el embargo del 50% del domicilio familiar que a aquél le correspondía con carácter de ganancial.
f) La entidad Caja Madrid instó, mediante demanda de 23 de junio de 2008, procedimiento sumario hipotecario contra los excónyuges, reclamando en concepto de principal e intereses la cantidad total de 506.895,81 €. El Juzgado de Primera Instancia núm. 31 de Madrid acordó, por Auto de fecha 31 de julio de 2008, la admisión de la demanda y la incoación de Autos de Ejecución Hipotecaria núm. 873/2008, así como requerir de pago a los ejecutados.
Translation - English d) On May 6, 2008, Caja Madrid informed María Cruz Jara of the acceleration of the mortgage loan contract for failure to pay two monthly payments, demanding the repayment of the entire amount owed (€571,000.00). This was immediately brought before Court of First Instance Number 80 (Family Court) by María Cruz Jara — as seen later in this document — and a Decision was handed down on April 13 of 2009 establishing the debt of Mr. Force Redondo and requiring of Tasamadrid and Caja Madrid (the entities for which the defendant works) the withholding of the amount owed and seizure of a portion of his assets.
e) On May 8, 2008, the Appellant filed a written motion to increase of the enforcement to a total of €10,472.67, because Mr. Force Redondo, the Execution Debtor, had also stopped paying the monthly mortgage loan as of February 2008, and Caja Madrid, the mortgage creditor, had informed him of the anticipated termination of the mortgage loan via registered fax dated May 6, 2008, warning him that judicial action would be taken if he did not pay the debt within ten days. In the same document, the Appellant requested the seizure of the Execution Debtor’s assets by his employer Tasamadrid S.A., such as the attachment of 50% of the jointly-owned property of the family home which corresponded to him.
f) Caja Madrid filed a complaint on June 23, 2008 for disciplinary action against the former spouses for nonpayment of the mortgage, demanding a total of €506,895.81 in principal and interest. Madrid Court of First Instance Number 31 agreed, by way of the Decision of July 31, 2008, to the admission of the complaint and the initiation of Foreclosure Proceedings number 873/2008, and to require payment from the Execution Debtors.
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Translation education
Master's degree - New York University
Experience
Years of experience: 13. Registered at ProZ.com: Oct 2014.
Portuguese to English (New York University - School of Continuing and Professional Studies) Spanish to English (New York University - School of Continuing and Professional Studies)
Memberships
ATA, Association of Maine Interpreters and Translators
Software
Adobe Acrobat, AutoCAD, memoQ, Microsoft Excel, Microsoft Word, Powerpoint, Trados Studio
I am a freelance Portuguese and Spanish to English translator with an M.S. in Translation from New York University, where I focused on Legal and Financial Translation as well as Software and Website localization. I also have B.A. from the University of Maine in International Affairs with a focus in Spanish, more than four years of immersion in the Spanish language from living in Colombia. I have over four years of experience as both a freelance and an in-house Spanish to English translator and I am a member of the American Translators Association.
Beyond Bilingualism
While bilingualism is undoubtedly an essential part of being a translator, bilingualism itself is not enough. An ability to speak two languages does not guarantee that a translator fully understands complex technical texts and can render them accurately another language. For example, financial and legal language or the differences between common law and civil law systems are not common knowledge in one’s first language, and certainly not in one’s second language. This is why professional training is an absolute necessity in the field of translation. With my extensive linguistic immersion, B.A. in languages, M.S. in translation, and four years of experience as both an in-house and freelance translator, I can guarantee smooth and accurate legal and financial translations.
Honesty and Quality Work
I specialize in legal and financial translation as well as website localization. I only translate into my mother tongue and only undertake projects which I am capable of translating meaning you as the client can rest assured that your translated document will be well written and accurate.
Keywords: portuguese, proofread, revise, revision, spanish, english, legal, financial, contracts, judgments. See more.portuguese, proofread, revise, revision, spanish, english, legal, financial, contracts, judgments, will, testament, divorce, journalistic articles, immigration documents, academic documents, official documents, birth certificates, death certificates, marriage certificates, vital records, account verification letter, purchase order, personal banking, request for proposal, rfp, insurance, surety bonds, letter of credit, business valuation report, financial statements, auditors’ reports. See less.
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