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French to English: Assurance: les risques couverts General field: Other Detailed field: Insurance
Source text - French l'imprévisibilité d'un événement dommageable en tant que tel ou d'une de ses caractéristiques (ex : date du décès), l'indépendance de la volonté de l'assuré (ex : divorce), le caractère licite de l'évènement (ex : impossibilité d'assurer les conséquences d'une condamnation pénale ou d'amendes). Cela implique entre autres que les évènements passés connus sont inassurables (sinistre déjà réalisé). En conséquence, sur le principe, il est possible de souscrire une assurance pour tout événement relatif à la propriété d'un bien meuble, à celle d'un bien immeuble, à la vie, à la santé, etc.
Les types de contrats d'assurances les plus communs sont les contrats d'assurance vie et les contrats d'assurance dommage ou IARD (incendie accident et risques divers). On distingue les contrats d'assurance de personnes (AP) et ceux d'assurance de biens et responsabilités. Les assurances de personnes correspondent à l'assurance vie complétée de l'assurance des dommages corporels (Santé, Invalidité, Décès toutes causes). Les assurances de biens responsabilités correspondent à l'IARD hors assurances des dommages corporels. Parfois, les assurances assurent les loteries et les jeux, pour que les gains improbables et importants soient possibles.
Translation - English Circumstances requiring insurance coverage are hazards, that is, the unpredictability of a harmful event, as the case may be, or one of its characteristics (example: date of death), situations beyond the control of the insured (example: divorce), the legal implication of the situations (example: impossibility to insure the consequences of a criminal conviction or payment/fines). This therefore means that known past events cannot be insured (i.e. prior disaster). As a matter of fact/Consequently, it is possible in principle to seek insurance for anything related to the ownership of a movable or immovable asset, life, health, etc.
The most common types of insurance contracts are life insurance and indemnity insurance contract or IARD (fire disaster and miscellaneous risks). There are personal insurance contracts (AP) and assets and responsiblity insurance. Personal insurance refers to life insurance which extends to/supplemented by personal casualty insurance (health, disability, death in any circumstance). Property and casualty insurance refer to fire accidents and miscellaneous risks excluding . Insurance companies sometimes provide coverage for lotteries and games so as to make unexpected and significant gains.
French to English: Faut-il supprimer les polices en Afrique? General field: Other Detailed field: Government / Politics
Source text - French Viols, tortures, rançons, exactions en tout genre: les abus des forces de l'ordre en Afrique noire ne peuvent même plus être qualifiés de "bavures" tant ils sont systématiques. La longue litanie de ces méfaits a fini par dépasser le cercle des défenseurs des droits de l'homme et exsapérer des populations qui en sont de plus en plus conduites à se barricader et à emprunter les chemins toujours risqués de l'autodéfense...
Les polices africaines sont l'ombre d'elles-mêmes. L'explosion du banditisme armé sur le continent souligne les carences de l'appareil sécuritaire, au moment où les besoins sont les plus pressants. D'après une enquête de l'Organisation des Nations unies (ONU), trois citadins africains sur quatre ont été victimes d'un acte de violence au cours des cinq dernières années: une proportion près de deux fois plus elevée que dans les villes d'Asie, et même qu'en Amérique du Sud, où les taux de criminalité caracolent pourtant en tête des statistiques mondiales. Et cette enquête ne concerne que l'Ouganda, l'Afrique du Sud et la Tanzanie: elle ne prend en compte ni le Nigéria ni le Congo (ex-Zaïre), réputés pourtant pour leur violence.
Translation - English Abuses of power by the forces of law and order in Sub-Saharan Africa: rape, torture, ransom, police brutality, may no longer be considered as "mistakes" when they are systematic. It is not just human rights campaigners who are concerned about the long list of misdeeds. The public has also had enough and are starting to build their own barricades and protecting themselves against these acts of violence.
The police in Africa are losing control. The ever increasing wave of armed crime on the continent shows the shortcomings of the security system just when it is desperately needed. According to a UN study, three Africans out of every four in the city have been a victim of violence in the last five years. This is nearly twice as many as in the cities of Asia and even South America where the crime rate ranks among the highest in the world. This survey only covers Uganda, South Africa and Tanzania. It does not include Nigeria and Congo (former Zaïre) which are reputed for their violence.
English to French: Tax havens General field: Bus/Financial Detailed field: Finance (general)
Source text - English Earnings from income generated from real estate (i.e. by renting property owned in an offshore jurisdiction) can also be eliminated in this way. If taxes (if any) are paid in the tax haven jurisdiction, companies can avoid taxes in their home jurisdiction because the tax had already been paid in the lower tax rate jurisdiction. Some taxes (such as inheritance tax on the real estate, VAT on the initial purchase price of the real estate, or transfer tax, annual immovable property taxes, and municipal real estate taxes) cannot be avoided or reduced, as these are levied by the country the real estate where the property is located, and hence need to be paid just the same as any other resident of that country. The only thing that can be done is picking a country that has the smallest rates on these taxes (or even no such taxes at all) before buying any real estate.
Translation - French Les recettes issues des revenus générés à partir des biens meubles (c'est-à-dire par la location des biens appartenant à un territoire offshore) peuvent être dissimulées de la manière suivante. si un impôt (le cas échéant) est payé dans un territoire à paradis fiscal, les sociétés peuvent échapper aux impôts dans leur territoire d'implantation, étant donné que l'impôt a été payé dans un territoire à taux d'imposition plus faible. Certains impôts (à l'instar de l'impôt sur le patrimoine, la TVA sur le prix initial d'achat des biens meubles, ou l'impôts sur le transfert, l'impôt annuel sur les biens immeubles, et l'impôt sur les biens meubles communaux) ne peuvent s'éviter ou se réduire, étant donné qu'ils sont fixés par les pays où se trouve le bien et sont astreints au paiement au même titre que tout résident de ce pays. La seule issue serait de choisir un pays où le taux d'imposition est le plus bas (ou inexistent) avant d'acquérir tout bien meuble.
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Translation education
Advanced School of Translation and Interpretation of Yaounde
Experience
Years of experience: 11. Registered at ProZ.com: Apr 2017.
French to English (Advanced School of Translation and Interpretation of Yaounde, verified) English to French (Advanced School of Translation and Interpretation of Yaounde, verified)
It dawned on me many years ago that I was destined for translation when I came to the realization that my penchant for knowledge in all fields coupled with a near obsession for accuracy were attributes which I possessed naturally and displayed effortlessly.
This took me into two prestigious translation schools. I am a holder of two Master's Degrees in Translation and I am currently a PhD fellow. I also hold a diploma in the teaching of the English Language.
My knowledge of translation stems from years of hard work and determination to be as close as possible to the source text in style and content. I do not consider translation as an evanescent and an occasionally inspired task, but rather as a reasoned, scientific endeavour whose procedures and decisions can be explained authoritatively by the competent and confident translator.
Work with me for your legal, financial, medical, environment, academic translation assignments. I am the professional you and your company need!
Keywords: French to English Translator specializing in the financial, legal, medical, environment and academic industries.
Expertise