Interview with SRN from Atlanta!

Have You Considered Car Refinancing Yet?

     Since the subprime real estate bubble burst and the American economy crumbled many consumers have struggled through bad credit, short sales, repossessions, bankruptcies and foreclosures. These credit challenges have made it exceedingly difficult for these consumers to obtain an auto loan.

Even when a credit-challenged driver does receive a car loan, the interest rates can be up over 20% making for high monthly payments and substantial economic waste. This borderline predatory lending practice is an example of the creation and maintenance of wealth concentration in a modern, seemingly democratic society.

But there is some good news. With today’s low interest rates consumers can save a substantial amount of money by refinancing their vehicle.

Refinancing a vehicle is not for everyone but it does make sense if a driver has high interest rate coupled with a high monthly payment. By lowering the interest rate many consumers are able to save over $100/mo. and over $4,000 over the life of a loan.

And with today’s rates refinancing definitely makes sense. Just dropping a rate a few points can drop the monthly payment and help a driver gain equity in an asset. But many drivers have not even considered car refinancing.

One reason car refinancing has not exploded is that consumers are leery of the term refinancing because it is solely associated with a home refinance. But car refinance is an entirely different beast. There is much less documentation and personal information that needs to be disclosed and it can move very quickly. While a home mortgage refi can take months with closing dates moving back again and again an auto refinance can be handled within a week

Some of the leading car refinance specialists can have a customer call in on a Monday and be refinanced by the end on the week. For many drivers with families an extra $1,200 a year can make all of the difference in the world.

http://www.muzichevyma.com/car-refinance/auto-loan-refinancing-in-massachusetts.htm

The challenge of Japanese legal translations

In reviews of the most difficult languages to learn Japanese is often mentioned.

Of course, there is no real universal answer to this question: it all depends who is trying to learn the language.

Context is all.

However, when it comes to languages that present the biggest challenges for legal translators Japanese will pretty much always be there at the top.

And again context is all.

The Japanese language relies on its context for its meaning and this means that it presents unique challenges to anyone undertaking a legal translation.

Let’s review the key factors that mean legal translation projects require the greatest degree of care and the highest order of skill.

Japanese writing systems

There are three character sets used in written Japanese:

• The kanji (adapted from Chinese)
• The katakana (used as a phonetic representation of foreign words)
• The hiragana (which contains the syllables that form Japanese words)

Throw into this mix a language whose sentences are usually written without spaces between words and there is already quite a heady brew.

Now add a splash of context-dependency, as many kanji can have multiple meanings depending on their context.

The result is a highly complex written system that relies on in-depth familiarity with the subject matter being written about and a native-level mastery of grammatical niceties if any legal translation is to have the precision and delicately nuanced expression that will be required.

Let’s imagine now a patent search.

If the search entails referring to printed documents it is highly likely the patent may be filed with small print or its writing will have become smudged or the document will be a poor quality photocopy.

It’s easy to see how the already high margin for error has just magnified.

Each kanji can contain dozens of small strokes and, where there is difficulty discerning them, the skill of a professional translator is needed to avoid potentially costly mistakes.

Japanese words

Japanese borrows heavily from other languages for its vocabulary. These come from a variety of sources (such as arubaito ?????, or part-time work, from the German arbeit).

Reading and writing non-Japanese words necessitates more than just an understanding of katakana: it calls for the ability to recognize words borrowed from languages other than English. This can usually only be found in native speakers who have grown up with these words.

Japanese grammar

For legal translations, though, the difficulties of Japanese writing systems and vocabulary are further compounded by its grammar.

Japanese sentences will often omit their subjects if the meaning is presumed to be clear from either the immediate context or the preceding sentences.  Legal documents, more than any other, rely on absolute clarity about exactly who is doing something and to whom they are doing it.

Another source of ambiguity can arise over the Japanese conjugations for verb tenses. Both present and future tense verbs can be the same.

In these examples legal translations will need not just a high level of fluency in Japanese but also a wide-ranging experience of interpreting legal documents themselves if the risk of mistranslation is to be minimised.

Japanese legal translations

The precision required for legal translation and the challenges posed by Japanese make your choice of a skilled, experienced translator essential. It could help to prevent costly misunderstandings and protects you against future litigation. After all, as they say in Japan:

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(Experience is better than just books.)

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