Scam warning July 14, 2016Posted by Jill (@bonnjill) in Business practices, Scam alert.
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This email was posted on WPPF today. It never hurts to verify if you question something. Just today I questioned an email sent to me that I think might not have been legitimate.
I work at U.S. Translation Company (http://www.ustranslation.com/) and wanted to make you all aware of a scammer who is using our company name to pose as a legitimate PM and scam translators out of payment for their work.
They are using the email firstname.lastname@example.org, and the following email signature:
Stela S. Mahuika| Vendor/Translation Technology Specialist
U.S. Translation Company
320 W. 200 S., Third Floor
Salt Lake City, UT 84101
p 801.393.5300 x 120
I had my first run-in with them a little under a year ago, but hadn’t heard anything since then until this week when we had two translators contact us to check if this person was legitimate. We’ve forwarded all emails to the Translator Scammers Directory; you can see the entry here http://www.translator-scammers.com/images/scammer%20Stela%20Mahuika.jpg.
As someone who actually works for US Translation, here is more evidence that this is a scammer:
- We are a small company – I can easily name all of my coworkers and their positions without going to our directory – so I can definitely confirm that there is no “Stela S. Mahuika” at this company.
- The “Vendor/Translation Technology Specialist” position no longer exists – it was dissolved and re-formed under a different job title over a year ago.
- All of our email addresses follow a “email@example.com” format; no gmail addresses!
- However, the company name, address and phone numbers are all real – if you call or go to that address, you will reach our office. (This is likely a stolen email signature from one of our previous employees.)
As a side note, we recently got a new translation management software; if anyone from our company ever approaches you about doing work for US Translation and doesn’t get you set up in the system before they issue a PO, that should be a red flag. Sometimes this gets postponed a little if it’s a rush project, certificate translation, or interpretation event, but usually you have to be set up in the system before the PM can even quote the project.
Sorry for the long post, hope this helps, best of luck to everyone!
Update on AATII April 18, 2016Posted by Jill (@bonnjill) in Business practices, Scam alert.
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The CEO of this “not for profit association” is now claiming that it was a misunderstanding (yeah, right) and that if you do NOT want to be listed there you have the choice to contact them and ask to be removed, so send an email to firstname.lastname@example.org. If you want to add a comment at https://aatii.com/a-message-for-concerned-translators feel free. Jennifer makes an excellent point. On eBay buyers and sellers have all set up their own accounts. This company has no clue how to do business. How embarrassing would it be for a potential client to contact one of the translators in the database only to be met with: “What company? Never heard of it. And what rate am I supposedly charging? No, my rate is double that. Sorry.” What company would ever take this database seriously? Unbelievable. Way to completely ruin your reputation in the industry and not realize it. No, we aren’t jealous. We don’t like our identities being misappropriated.
AATII is having a bad day April 15, 2016Posted by Jill (@bonnjill) in Business practices, Scam alert.
I woke up this morning to a flood of emails from pissed off translators on listservs covering both sides of the Atlantic. People were pissed because they were listed in a directory no one had heard of before. No one had signed up for the directory, and everyone was apparently offering $0.08 a word and had five star ratings. Every single translator. They were wondering whether it was identity theft and how they got our contact information. One enterprising translator requested a 4 word job and tried to hire herself. The job disappeared into Nirvana. As the morning went on translators were sending them irate emails, official cease and desist letters, filing reports with their local police, and even talking about a class action suit. I only wish I had popped some popcorn.
SCAM ALERT: LISTING OF T&I NAMES IN FALSE DATABASE
Is your name and profile there?
Many of you may have received an email announcing a “translation contest” sponsored by an outfit calling itself AATII (suspiciously using two names, “Alliance” or “Association of Applied Translators and Interpreters International.” The text to be translated is marketing copy for their company (although they claim to be nonprofit). Supposedly the prize is $1,000 for each winner in around 8 languages (“That’s $2 a word!” they joyfully proclaim), and a chance to win a $100,000 trip. Yeah right. I know none of you fell for it. The Translation Scammers Directory has posted an alert http://www.translator-scammers.com/translator-scammers-note…
However, it gets WORSE. This outfit has stolen the names and identities of at least 20,000 translators, fabricating specialties and other professional information, and adding a “rating” next to each name (1 to 3 stars, from “acceptable” to “excellent”). They posted rates for each individual (funny thing, everyone was charging 8 cents a word) until this evening after receiving many outraged phone calls and emails. But the names and false info are still there.
IS YOUR NAME IN THE AATII LIST?? Check it out at www.aatii.com. Above all, don’t be silent or let them get away with this. It is illegal identity theft and it will cause reputational damage to every translator or interpreter listed.
Extra info: http://www.translator-scammers.com/translator-scammers-notes.htm#n123
The CEO issued a statement in a discussion on Proz.com trying to explain their actions.
We’d like to thank everyone for your interest in AATII and our contest. We are a young company who soft-launched a few months ago, and #IAmATranslator was created to announce our presence with a splash.
As the day went on AATII started feeling the heat and mass deleted all the profiles from their database. The CEO then issued another statement:
The database is cleared and under review
Hello fellow translators,
We have heard a lot of concern about how your names are listed on our website. I understand why some of you are upset, so I have instructed our IT department to remove all the accounts from the website except for those users who signed up for themselves. We supposed to send invitation to everybody first, but a mistake was made so some of you received the message about the translation contest instead.
Just like you, I am a hard working translator who started working from his home and growing. AATII.com never meant to do any harm to anybody but aiming to build a community and marketplace that will attract customers without being limited to borders. There are some misunderstanding about us and we’d like to clarify the facts. What I can tell you is that nobody has even lost a dollar to us. You have my word.
AATII.org as a not for profit organization is aimed to establish internationally compatible standards for translation, so that service providers listed on AATII.com can be recognized by customers who are not translation savvy. We take every effort to keep everything legitimate here. We are small now and have big goals to benefit customers and language workers alike. We are not born a giant multinational, but we are not ashamed of it. Life is worth living for because we have dreams, isn’t it?
You are welcome to check back at aatii.com and make sure you are not listed if you have not given us the permission.
Lixin Cheng, “Clint”
João Roque Dias responded perfectly:
1. You were forced to scrap your illegal and fradulent database.
2. On your last (first) post, you are, once again, trying to confuse people with your outfits:
aatii.COM = the “Alliance” created by you and your translation company, “Princemountain Transnational Services Inc.”
aatii.ORG = a “Translators Association” with the same name as the Alliance’s, also created by you and your translation company, in which the “certification examinations” are to be done by your Princemountain translation company!!! I also read the “Bylaws”.
3. Dream all you want, just not at other people’s professional reputation and credentials’ expense.
This is what happens when you reply to spam email January 8, 2016Posted by Jill (@bonnjill) in Business practices, Scam alert, TGIF.
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This guy is my hero. I love his sense of humor. Don’t we all wish we could be him? I usually hit the delete button if it slips through Mailwasher, but I’ve sometimes been tempted. Here’s to a year of hummus in 2016.
In news that shocks no one… December 22, 2015Posted by Jill (@bonnjill) in Business practices.
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Language Line got busted!
Money-saving strategies for attending the ATA conference November 18, 2015Posted by Jill (@bonnjill) in ATA, Business practices.
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Every year people complain about the cost of the conference, but I find I can’t afford not to go. The new business and contacts it generates for me and the pleasure of being around like-minded people who get me make it one of the best weeks of the year. I was inspired to write this after reading a recent post on The Simple Dollar entitled 12 Strategies for Saving Money on Convention or Conference Trips. Here are my tips for saving money for or at the ATA conference, some of them inspired by the article and some from past experience at our conferences.
1) Get a roommate or several. I always stay at the conference hotel, because it allows me to go up to my room if I need a break and it is where a lot of my friends stay. Even if you stay at a hotel that is nearby, ATA offers a roommate referral service every year. I had booked a single king bed room this year when that was all that was left and was approached shortly before the conference asking if I would consider a roommate with a roll-away bed. Instead of paying $800 for my room, it only cost me $400. In past years I have also been known to have a couple roommates. The Kent State students always sleep 4 to a room. Having a roommate really saves money.
2) Save throughout the year. The conference generally runs me about $1500 including registration fee, hotel room, flight and meals. By putting a little bit of money aside every month it isn’t as painful. It also helps to register as soon as registration opens, book your flight a month or two later and then just deal with hotel and meals at the conference. By spreading out the cost it isn’t as painful.
3) Plan ahead and register early. This ties in with number 2. By registering by the Early Bird Deadline you can save some money, because the price spikes after the deadline. Also, flights are cheaper the longer out you book them.
4) Take advantage of the Welcome Reception, breakfast, and coffee breaks. The Welcome Reception always offers some food stations with nibbles and beverages (this year they cut it down to one, but every little bit helps). Even if you are staying at a nearby hotel as a conference attendee you are allowed (if not expected) to fill up on pastries, fruit and oatmeal every morning. Instead of hitting Starbucks or a nearby coffee shop make sure you hit the coffee breaks for a coffee or tea. I learned a tip from Marian Greenfield to bring my own ATA mug with me so that I can bring one to go into the next session.
5) Attend exhibitor parties and client dinners. Some of the software vendors, such as Wordfast, have parties which are quite popular. Back in the day, Trados also used to have a great desserts party. I even won a software package there once. Ah, the good old days… Pro tip: get there as early as you can to make sure you can get some food. Also, see if your clients are having a get-together for their vendors. Even if they are just buying a drink at the hotel bar that will still save some money. Plus, you will meet the people you work with in person, and that is invaluable networking.
6) Set a spending budget for your business. I used to always buy one dictionary a year at the conference. The conference is also a great place to save on translation software. Most companies announce their special conference prices ahead of time, so if you are looking to buy a new TEnT or upgrade an existing one this is the time to do it.
7) Ask for a refrigerator and consider low cost options for lunches and dinners. If you are on a special diet, have to refrigerate medication, like real coffee creamer, or have leftovers a refrigerator is a must. Consider buying food and keeping it in the room for affordable meals. The conference in Miami was located across from a Whole Foods, which many people took advantage of. The concierge also offered me a refrigerator when I checked in, but booking one ahead ensures one is available.
8) Buy beer or a bottle and have drinks in your room. I had never thought to do this before, but it makes sense. The best place to socialize at the conference is the hotel bar, but if you are on a budget consider inviting some colleagues up to your room for a get-together. I might do this one night next year. My roommate bought a bottle of wine, and we had a glass together the first night of the conference in our room, which was nice. Just be sure to bring a wine bottle opener if you do.
9) Pack a water bottle. I do this for every trip I go on, but it came in handy this year because water was not as abundant as it has been in the past. Not to mention that the in-room bottles of water the hotel “provided” for us were priced at $6.50.
10) Write out a packing list. This year I thought I had forgotten to pack my toothbrush. Luckily I was able to call Housekeeping for a new one, but I still had to tip the Housekeeper who delivered it. I found my toothbrush in my suitcase the next day. If I had packed it with my toiletries like I normally do I wouldn’t have had trouble finding it. So pack based on your list and be aware where you stow things. A checklist that you prepare a month or week or even a day ahead of time ensures you don’t forget anything when you pack your suitcase.
11) Pack redundantly. Always pack a day or two of clothes and toiletries in your carry-on bag in case your suitcase gets lost! Make sure you have necessities like medication and contact lens solution as well. I remember getting stuck in Chicago due to weather on the way home from Seattle and having to beg a fellow traveler for some contact lens solution to put in a Dixie cup for my contacts.
12) Pack carefully based on the location and predicted weather. In addition to being surprised by just how cold it was in our air-conditioned hotel, several people were surprised by just how hot it was outside in Miami this year. Bring appropriate clothes, but also remember a shawl or sweater for the conference rooms. Conversely, I was completely unprepared for the unusually cooler weather in Phoenix and had to buy several pants and long-sleeve shirts at a clothing store. In addition, try your clothes on before packing them in case you gained some weight this year. We sit a lot in comfy clothes and might not be aware that our business casual clothes might not fit anymore. Also, remember that it can get cold in November in colder climates and bring a coat.
13) Consider presenting a session. Presenters are usually given a discount on the conference registration. Every little bit helps, and you’ll be boosting your presence and sharing your invaluable knowledge with others as well.
14) Be happy our conference is so affordable. People always complain about the cost of the conference, but conferences in other industries are often double or triple what we pay. Even with the price going up so much this year due to the Board decision for the conference to be self-sustaining it is still worth it. Consider everything we get for the price of the conference: the preliminary and final programs and daily updates; the conference app; name badges and ribbons; language dots to identify your languages; breakfast and coffee breaks; ice water (whether in the session room or in the hallway); the Welcome Reception and a drink; networking events like the Networking Brainstorm, Afterhours Cafe, division get-togethers and Resume Exchange; the Closing Reception; the Conference Dance; the Exhibit Hall; 175 sessions to choose from and enough rooms to hold them; division meetings; audiovisual equipment for the meeting rooms and the main ballroom; recording services for the eConference DVD; free wifi this year (!); the on-site ATA staff to ensure everything is running smoothly and temporary workers to staff the Registration booths; and probably a bunch of other things of which we aren’t even aware. Not a bad trade-off for the $485 registration fee. I do, however, dearly miss the chair massages in the Exhibit Hall!!
If you have a money-saving tip or I missed something, feel free to add it in the comments.
How NOT to write to your translators July 23, 2015Posted by Jill (@bonnjill) in Business practices.
I apologize for the mass e-mail, but as I am dealing with a large number of languages, I thought it would be easier to send out a message this way.
Can you please provide me with your rates and also let me know if they are negotiable for a longer-term project. Kindly include your language in the message.
Thank you and best regards,
At least the PM didn’t ask me for my “best rates”. I hit Ignore for the send receipt request and sent it straight to the trash.
TransPerfect Co-CEOs Warned To Make Peace Or Else June 8, 2015Posted by Jill (@bonnjill) in Business practices, Translation.
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This makes me want to pop some popcorn…
By Matt Chiappardi
Law360, Wilmington (June 03, 2015, 10:01 PM ET) — A Delaware Chancery judge Wednesday warned the co-CEOs warring over translation services firm TransPerfect Global Inc. to settle because he is prepared to write an opinion neither side will like in an ugly battle that features sanction bids from both sides, including one lodged against Kramer Levin Naftalis & Frankel LLP.
At the end of oral arguments in Wilmington, Chancellor Andre G. Bouchard said Co-CEOs Elizabeth Elting and Philip Shawe have until roughly the end of the month to independently come to some sort of resolution to their web of litigation over the future of the company, or the court record will feature an opinion neither party will be happy with.
“The opinion is not going to be pretty,” the chancellor said from the bench. “There’s a lot of evidence that makes both parties look small-minded, petty and vindictive. You’ll have to live with it forever … available to anyone who does a Google search.”
The fight — essentially a business divorce between Elting and Shawe who both own roughly 50 percent stakes in the business, which has been raging for more than a year in courts in Delaware and New York —- has taken a bitter tone with Elting saying in court papers that Shawe has “stalked and bullied” her for years and is seeking sanctions against him for alleged conduct that includes breaking into her office and acquiring 12,000 privileged emails.
Shawe has accused Elting of her own misconduct, such as what his court papers called “outright sabotage” of the company by allegedly getting customers to withhold business and blocking needed hires. He has also moved to have her Kramer Levin counsel disqualified from the case, arguing that one of the attorneys representing her should actually be a witness in the case because he has been a “central figure” in past disputes, and asked for monetary sanctions, accusing a lawyer from the firm of acting improperly during a deposition.
In court Wednesday, Chancellor Bouchard went on to say that both sides would be “naive” in what appears to be their expectations from the litigation — Shawe for thinking that the current situation at the company is tenable, and Elting for thinking his driving concern would be the maximization of her stake.
The chancellor said there are other factors that greatly concerned him, including the future of the enterprise itself and the livelihood of its roughly 4,000 employees, and went as far as suggesting a mediator to allow “cooler heads” to prevail.
“You would be wise to use his skills to cut a deal,” Chancellor Bouchard said. “If you don’t, I will do what I have to do.”
The battle centers on a business Elting and Shawe created together in 1992 that has grown into “the world’s largest privately held provider of language and technology solutions for global business” with annual revenues of $470 million, according to its website.
In court papers for the myriad lawsuits the partners have thrown at each other, much of it redacted because the company is privately held, it is clear their relationship has deteriorated.
Shawe has accused Elting of a series of fiduciary duty breaches, including diverting funds for her own personal use and causing business harm to the company.
Elting has said in court papers that she and Shawe are hopelessly deadlocked in every facet of the business, and has requested the court equitably dissolve the company. Shawe has resisted that outcome, arguing he does not want to cash out, and Elting has requested the court bar him from bidding if the company goes up for auction or from competing for several years.
In a related dispute in New York over control of the company’s payroll system, Shawe was successful in a bid to have the court sanction Kramer Levin for not moving fast enough to correct a complaint that identified them as co-owners of affiliate TransPerfect Translations International Inc., which is actually owned by parent company TransPerfect Global Inc.
Kramer Levin has said it believes the New York judge’s decision was incorrect and have moved to have it stayed or vacated. The docket in the case indicates Elting and the firm have appealed the decision.
In the Delaware cases, Shawe has tried to have Kramer Levin attorney Ronald S. Greenberg thrown off the case arguing that he “often crossed the line between acting as a legal adviser to Elting and directly interfering in the affairs of TransPerfect, its management and its personnel.”
Shawe has also moved for monetary sanctions against Elting and Kramer Levin, arguing that during Greenberg’s deposition, attorney Phillip Kaufman essentially wasted everyone’s time by directing Greenberg not to answer more than 70 questions and then abruptly terminating the proceeding.
In court Wednesday, Elting’s attorney Gerard E. Harper of Paul Weiss Rifkind Wharton & Garrison LLP said Shawe was trying to drag Greenberg’s name “through the mud” for his own gain.
Kramer Levin’s general counsel Charlotte Moses Fischman told Chancellor Bouchard that the questions Kaufman directed Greenberg not to answer were either on information Shawe’s counsel already knew or to protect attorney-client privilege, and argued that no prejudice or injury resulted from the deposition.
Shawe’s motion was “a counterweight” to Elting’s sanctions request and it would be “a travesty of justice for Kramer Levin to be the only law firm sanctioned in these proceedings,” Fischman said.
For her part, Elting has lobbed sanctions of her own at Shawe, accusing him of not only gaining unauthorized access to thousands of her emails, many of which were communiques with her lawyers, but other misconduct including spoiling evidence by deleting files from his laptop the court ordered be turned over for forensic analysis.
Shawe’s attorneys refuted accusations of wrongdoing in court Wednesday, arguing that he believed he had authorization to see the emails per company policy, and the files deleted from the laptop were programs automatically generated when a computer performs functions with the relevant information preserved.
Elting is represented by Gerard E. Harper and Robert N. Kravitz of Paul Weiss Rifkind Wharton & Garrison LLP, Philip S. Kaufman, Ronald S. Greenberg, Marjorie E. Sheldon, Jared I. Heller and Theodore S. Hertzberg of Kramer Levin Naftalis & Frankel LLP, and Kevin R. Shannon, Berton W. Ashman Jr., Christopher N. Kelly and Jaclyn C. Levy of Potter Anderson & Corroon LLP.
Shawe is represented by Ronald C. Minkoff, Richard M. Maltz and Andrew J. Ungberg of Frankfurt Kurnit Klein & Selz LLP, Philip L. Graham Jr. and Penny Shane of Sullivan & Cromwell LLP, Howard J. Kaplan, Joseph A. Matteo and Joshua MacLeod of Kaplan Rice LLP, and Gregory P. Williams, Lisa A. Schmidt and Robert L. Burns of Richards Layton & Finger PA.
The Delaware cases are In re: TransPerfect Global Inc, case numbers 9661, 9686 and 9700, in the Delaware Court of Chancery.
The New York case is Elizabeth Elting v. Philip Shawe et al., case number 651423/14, in the Supreme Court of the State of New York.
–Additional reporting by Lisa Ryan. Editing by Chris Yates.
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According to this news article, a Japanese translation company under contract with the Nuclear Regulation Authority has apparently leaked an internal, classified document online from the nuclear watchdog. The document does not contain confidential information but is marked “Classified 2,” one of three levels of classification by the government. The company sent the document, without password protection, to a job applicant and solicited translators who would double-check its translations via a private-sector online bulletin board.
News flash: anything marked Classified should not be put online. The agency I work with uses a password-protected FTP site for downloading and uploading files. I had to get my security clearance verified before I could even look at the files to see if I would be a good fit for the job.
Companies don’t seem to realize that if you are doing any kind of government work you really can’t use cloud-based translation tools, cloud storage or any other number of new innovations. Microsoft 365 will never be used by this translator for that very reason! It’s just too risky. My security clearance is too valuable to even risk it. My laptop is encrypted. I do not use cloud-based tools. My government-related files are kept on my hard drive and deleted within the prescribed 90 days. And I’m just a lowly translator!
I know we joke about translation agencies sending files to numerous potential translators, but there is a foundation for these jokes. Why would agencies risk their valuable government contracts? Let this be a wake-up call to the industry. Shaking my head this morning.
P.S. Unfortunately this is NOT an April Fools joke. Thanks to Rina Ne’eman of Hebrew Translations for sharing this on Facebook.
Guest post: Do translation customers really care what kind of people they’re buying from? November 18, 2014Posted by Jill (@bonnjill) in Business practices, Translation.
I don’t normally accept guest posts, but I am making an exception for this one. This needs to be heard and discussed.
Guest post by Terena Bell of In Every Language.
Maybe people really don’t care. That’s what I thought this morning as I got out of bed and read today’s news on my cell phone. Maybe people don’t care, maybe they don’t want a better world, maybe there are no rewards for the good or punishment for the bad.
I’ve written in my MultiLingual Magazine column before about how American culture is trending so that people no longer want to spend money at businesses where they find the owner’s behavior deplorable. Well, I’m writing this blog to say that I was wrong. Or at least I was wrong about how or when this particular macrotrend would affect our industry.
See, there’s this little thing going on right now — maybe you’ve heard of it — Crain’s New York is calling it the TransPerfect Storm. I’ve got to admit, the title’s catchy. For those of you who haven’t seen the press, Liz Elting and Philip Shawe, co-owners of translation giant TransPerfect, are going at it in the courts, in the office, in the breakroom — pretty much everywhere these two can find a place to disagree, according to Crain’s, they’re doing it. And it’s not just Crain’s reporting the story either. It’s The New York Post and The New York Daily News, too. And when The Daily News – which let’s face it, is pretty much a fancy tabloid – starts covering the story you know it’s salacious.
According to Crain’s, the two owners “are suing each other for malfeasance and mismanagement, and each wants the other thrown out of the company. The parties have asked a judge to break the deadlock, and a hearing is scheduled for Nov. 18.” The translation industry will be watching today’s results with bated breath.
See, here’s the thing: Many in the translation industry have thought for years that Elting and Shawe are not what most people would call good people. Multiple media reports of Elting kicking Shawe with her heels and pouring coffee on him during work, all the media reports of the f-you emails back and forth, filing restraining orders against the other, all these reports of what – if true – is clearly unprofessional, childish behavior, well juicy as the news maybe, it’s not a surprise to many who work in translation for a living.
In October of 2013, the blog TranslationEthics.com called TransPerfect a “sweatshop” because of the well below standard rates it pays its translators. As far back as 2011, a different blog, TransPerfect Translation Concerns, reported, “It’s only a matter of time [before] a hungry investigative reporter will has burst the … TransPerfect PR bubble [sic], and release some less than glowing information.” Well, that time is now.
So here’s my question, and here’s what has me writing a blog entry before breakfast: Do clients even care? Court documents for the case claim Fortune 100 clients have either threatened to pull or have already pulled over $20 million worth of work. But there’s a big difference between threatening to yank your business and actually doing it. In the sales meetings I’ve been in with current TransPerfect customers, the topic hasn’t even come up. As a TransPerfect competitor, I haven’t had a single client come to me saying, “Oh my, their ethics are horrible, they’re just not good people.“ Have you?
You don’t become the kind of person who would assault your ex-fiance at work overnight. Nor do you develop so much hate for someone overnight that you would sue them in open court to the detriment of your own business. No. If the press is revealing who the owners of TransPerfect are, if this scandal is revealing the way they live their lives, then they have been the people they are for quite some time. Any client kickback now is simply because the world finally sees Elting and Shawe for who they apparently are. But where is the kickback really?
Maybe I’m wrong. What do you think? Will TransPerfect actually lose business because of this? Will clients actually leave? Do translation customers really care what kind of people they’re buying from?
Terena Bell is the chief executive officer of In Every Language, a language services provider offering translation, interpreting, and localization. She served on the Association of Language Companies Leadership Council. She is a member of the Obama Administration’s White House Business Roundtable, which has taken calls from the president and the vice-president, as well as senior advisors and members of the Cabinet. She writes the “Micro/Macro” column for MultiLingual Magazine, and has been quoted by Inc., Forbes, and CNN Money.