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May 14, 2012

123notary behind the scenes

Filed under: Social Media — Tags: — admin @ 12:15 pm

123notary behind the scenes

All of you know what 123notary looks like on the surface, and you know what some of the rules are, and if the site works for you or not. But, have you ever wondered how 123notary is run? We are not a typical company to say the least. I have read books about Starbucks and how they do it, and Cliffbar as well. Their stories are unique and interesting. But, 123notary’s story is interesting too!

When we started
123notary started in 1999 on a shoestring in the ashes of the .net bust. It was my idea after seeing how the NNA’s signing agent directory was not always easy to use. I noticed that if you needed a notary in a particular county, that if nobody was in that county and you didn’t know the names of neighboring counties, you would not be able to use their site without an atlas to find out what the neighboring counties names were. Few of us carry a nationwide atlas with us. So, I wanted to start a directory with more features than the other guys. Also, I needed a way to market my own personal notary services as yellow pages were really expensive.

You can read about our growth in other blog entries and our about us page. We started as a California only directory, and then slowly spread out into other states. But, one of our notaries pointed out, that we should tell everyone how 123notary is run NOW.

How were we run in previous years?
I started out doing everything myself. My father helped with programming back in 2001, but then we hired a local programming house to handle the programming after that. Business was very slow until 2003 when overnight in March, things just started to take off. Revenue multiplied by ten, and the phone was ringing off the hook. I found that working 12 hours a day was crazy and I couldn’t handle it for long. A lady named Carmen bought a course from me and kept calling asking me questions about loan signing. We spent a lot of time talking. I found that she was so smart and people saavy, that I wanted to hire her. She was very resistant at first, but I talked her into it. She was very busy doing signings for several years, and didn’t go full time with us until 2006. I started taking it easy in 2006 and 2007 because I was exhausted from all of the hard work. I wanted to meditate more and do more hiking. Then, in 2008, I started to work on optimization. I worked very hard, and through good strategy and hard work, brought a lot more traffic to the site.

How are we run now?
Most companies have an office and are centralized. 123notary has no office and no employees. I work at home on my computer and my cell phone. I don’t even have a landline because our building has some problems with the phone lines getting scrambled, and they couldn’t fix my line. Carmen is a subcontractor paid on commission and works from her home roughly 4 miles from me. Additionally, I travel quite a bit, and do a lot of my work on the road from Northern California. I sometimes go overseas and have been to Europe and India where I did my work at internet cafes.

Who does what?
Carmen is the person people are more familiar with, because she is in the front lines. Carmen does incoming phones and answers everyone’s questions. I do most of the emails and outgoing phone calls myself. But, there are more people involved in 123notary’s functionality that we can not ignore. There are programmers. We have a team in Los Angeles, and another team in India. Additionally, we have a company in El Monte who is helping us with social media including Twitter, Facebook, Linked In, and Blogging which really helps keep search traffic coming in so you guys can get work. Once in a while I hire someone to do outgoing phone calls for welcome calls and update calls as well.

What else?
Where are our servers? — one person asked. We have a server at a programmer’s office in El Monte, with a backup server in Dallas, TX in a data center. It would take a tsumani, earthquake, and WW3 all combined to take our servers down. There is a lady in downtown Los Angeles who helps us a little bit with artwork. Communication is hard, as I only know 30 words in Korean, and she only knows 30 words in English — but, we work well as a team because she is so talented and efficient!

What is a typical day like for Carmen?
For Carmen, she answers the phone all day long, sends passwords, and takes orders. It is pretty much the same every day, but at the end of the month, there are far more phone calls and it gets crazy. Carmen gets about 25 calls a day on regular days, but at the end of the month it could be double easily.

What is a typical day like for Jeremy?
For me, I answer emails first, then process orders and mark people as renewed who paid their bills. I do a small email blast every day or two to tell people about what is going on in our blog, or a reminder to update or renew. Additionally, I write tons of blog entries, and do phone calls to people who are renewing soon. I have to supervise programmers in America and in India, so that can be time consuming and frustrating if they don’t understand my complicated instructions. Additionally, I write for our Facebook campaign and Twitter too. I have to come up with strategies for optimizing and detailed plans for modifying programming. There are many internal formulas in 123notary that help us to know which notaries have better stats, and that takes a lot of thinking to plan. I typically will work seven days a week for a few weeks, and then take a week off in the mountains. I find Los Angeles to be too stressful for me, so I need fresh air, streams and mountains to bring me back to my inner rhythm.

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May 11, 2012

Notary Advice & Notary Tips

Filed under: Q & A — Tags: , — admin @ 12:03 pm

Notary Advice & Notary Tips
 
People are always emailing us asking for some type of notary advice or notary tips.  Either they want to know how to hire a good notary, or it is notaries wanting to know how to do better in their business.
 
To get good notary advice you simply need to know where to look for particular pieces of advice. 
 
How do I become a notary?
Please contact your state’s notary division in your state capital
 
How do I become a mobile notary?
Please contact 123notary.com as we specialize in training people to become mobile notaries / traveling notaries
 
What are the qualifications to become a notary?
Notary Rules differ from state to state, but generally you need to be at least 18 years old, have no felonies or misdemeanors involving dishonesty, and do NOT need to be a citizen.  You should ideally be a resident of the state you are applying for a commission in, although many states will allow a resident of a neighboring state to apply if they work in the state in question.  Most states have a notary application and an application fee as well.  All other specifics differ from state to state and the length of notary terms ranges from three years to the life of the notary.
 
I need notary tips to be a better notary
If it is notary marketing tips you are after, you can ask us, and we generally give quick and helpful answers.  You can also query our notary forum using the search tool, and you can find years and years worth of good information within seconds.  There is a vast amount of technical knowledge you might want to acquire from what e-document downloading software to get to what type of laser printer to purchase.  You can read about all of these in our forum as well.
 
Notary Marketing tips
It is always a struggle to get more business, and 123notary’s existance was purely for my personal survival marketing my personal notary business over a decade ago.  It has evolved to be a boon to all mobile notaries throughout the nation as we offer vast resource materials, tips, education, and notary advertising starting at affordable prices.  To get more business, we recommend getting certified by 123notary.com and the NNA.  We recommend getting good advertising as a mobile notary on several of the largest mobile notary directories.  We also recommend having a registered company name, an extensive notes section in your listing, and being available in as many counties as possible, as many hours of the day as possible too.  Additionally, becoming an expert at jail, hospital, signing by x, power of attorney signings, loan signings, and all specialty signings is very critical to your success.  The more you know, the more people will have faith in hiring you EVEN if the job they have for you doesn’t require your skills. People want to be impress that you have skills even if their job doesn’t require hardly any skill.
 
Notary Tips for Signing Agents
You need to be on as many signing company databases as possible to get business.  If they have used you once or more, then you have established a track record which is much more valuable than merely being on a list.  If an unknown company calls you for a job that is far away, screen them by looking them up on our list of signing companies.  If they are good, then take the job even if it is far, simply to get on their good list and on their database.  That way next time they have a closer job, they will think of you if you did a good job!
 
That’s it for my notary advice today, but if you need more notary advice or tips, you can email us at info@123notary.com

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May 8, 2012

California notaries with complaints

Notary Public California – complaints against local notaries
 
It is easy to hire a notary public in California that you found online. But, how do you know they are reputable, or any good?  You don’t.  You take your chances. However, some notaries on 123notary.com have reviews about them.  You can read who has good reviews or bad reviews.  It is not always safe picking a random notary. As far as horror cases go, we have only had a handful of serious nightmarish notaries over the last decade, and we remove them once we have determined that they are a source of endless trouble!
 
The Kinko’s story
We had a California notary public fail to print out documents and have the borrower’s pick her up, drive her to Kinko’s where she could print the documents and then driver her to their home.  Borrowers are not chauffers, and this notary got dropped off once the borrowers got a hold of the lender.  A year later — the drama continues.  The California notary public in question is operating under a business name, and hiring other notaries to do tasks for her such as obtaining apostilles in Sacramento.  The problem is, that when checks come, they all have an elastic characteristic.  Notaries have complained on the forum about this company several times, and this particular California notary is one of the worst notary nightmares we have ever experienced and goes down in history as a legend.
 
Stories of notaries that fail and what they did wrong – http://blog.123notary.com/?p=143
 
Affordable Notary Service – http://www.123notary.com/forum/topic.asp?TOPIC_ID=4880
 
24 hour service?
Another California notary public advertised 24 hour service.  An individual calls them at 6am with an emergency.  The notary hangs up on the individual claiming that it is “too early”.  If you are not offering 24 hour service, don’t CLAIM that you do.  It is a requirement that if you want the 24 hour icon, you have to be willing to answer the phone after midnight whether you feel like it or not.
 
The white out story
A notary in California goes to a signing. She forgets to have the wife sign the Mortgage (oops), and then uses white out to change some information in the loan documents.  The worst possible thing you can do during a loan signing is to use white out which voids the usability of the document.  It gets better — then, the notary blames the Title company for not hilighting the signature areas in the documents where the wife was supposed to sign.  When she was requested to return to the borrower’s house to finish the incomplete signing, the notary recommended that they find someone else.  The notary replied to this complaint against her by stating that she used the mother-in-law as a required witness to the signing. Then, the Title company asked her to use someone else at which point she used white out to remove the mother-in-law’s signature and go and get a neighbor. 
 
123notary’s opinion: There is no crime in having an additional witness.  The problem is using white out, and cross outs also look unprofessional in a loan signing and can cause a loan not to fund. Additionally, a witness should be a party who doesn’t have a beneficial interest in the transaction — they should be uninvolved like a neighbor or stranger.
 
The four hour rule
Another California notary accepts a job for a signing.  Then she cancels at the last minute because she learns that the company who hired her doesn’t pay their bills.  There were a few forum posts about the company stating that the company didn’t pay their notaries.  In any case, the notary could have researched the company simultaneously while talking to them by using www.123notary.com/s and would have learned that they didn’t pay BEFORE accepting a job from them. Or, the notary could have researched them soon after the phone call and then cancelled.  The last minute cancellations cause a lot of grief to many parties and are not acceptable. The Lender emails me stating that the notary cancelled 2 hours after the signing and said that she was, “not able to help”.  Then, the notary replies to me stating that she EMAILED the borrower 45 minutes before the signing (that is considerably sooner than 2 hours after like the lender stated).  The notary claimed they called the borrowers but couldn’t get an answer or a voice mail. I’m not sure I believe all of this story, do you?  How many people do you know who don’t have an answering machine or a disfunctional one?  I think that the notary should have given four hours notice in a case like this and should have kept trying the borrowers every 30 minutes until she got them. You can’t just leave people high and dry!

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May 5, 2012

Ohio Information of Interest

Ohio Notary Public Information of Interest
 
The ohio secretary of state’s notary division doesn’t handle apostilles, like most other state’s notary divisions would. However, the Ohio notary division does provide an Authentication service.
 
Can an Ohio notary act as a witness?
Sure, but that would not be an official notary act.
 
How much can be charged for an Ohio Acknowledgment?
The notary fee is $2 per acknowledged signature
 
How much can be charged for an Ohio Jurat?
Only $1.50 may be charged per Jurat.
 
How long is an Ohio notary commission term good for?
An Ohio notary term is 5 years
 
Are there any travel fees restrictions for Ohio notaries?
No, an Ohio notary public may charge whatever travel fee the client agrees to pay.
 
How can I learn more about Ohio notary laws?
Please check the Ohio secretary of state’s website to learn the details of Ohio Notary Laws
 
What is the state of Ohio notary wording?
Please check the Ohio Secretary of State’s website to learn about Ohio Notary Wording and Ohio Notary Verbiage.
 
What are some strange Ohio notary rules?
We have a blog entry that is all about the strangest Ohio notary rules that you can imagine.. Just click here for details…

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May 4, 2012

Notarizing your foreign language document!

Filed under: Bilingual,Ken's Blog — Tags: , — admin @ 5:35 am

Notarizing your Foreign Language Document

“The bank refused to notarize the document because it is written in Hungarian”, said the exasperated client to me. “No Problem” for http://kenneth-a-edelstein.com was my reply. There is no requirement for the New York notary to be able to read the document, none whatsoever. Consider a 765 page document regarding the sale of a Supertanker – do you think the notary will read it prior to notarizing the signature on the last page? Well, if they are not going to read all pages of all documents – why would they want to be able to read some pages of some documents? I doubt if I will ever know.

There are some interesting considerations regarding languages involved in the notarization process. But none have anything to do with the actual document. The main language requirements in New York are related to the required oath given by the notary. The notary must be able to give the oath directly (no interpreter allowed) to the person whose signature will be notarized. The person signing must be able to read the document in order to swear/affirm that the document is truthful/correct. That is the relevant language consideration – the document could be in Braille or Latvian – it does not matter to me.

Part of some NYC notaries’ refusal to handle this situation is their employer’s desire to avoid the possibility of being involved in a lawsuit. Some Manhattan banks will not notarize a Power of Attorney, some refuse a Bill of Sale – the reasons are the same; avoiding being involved in
litigation. If the notary can’t read any of the document it “might” be a prohibited (by “bank” policy) – thus all “unreadable” documents are often refused. At http://newyorkmobilenotarypublic.com that is never the case.

It is a “best practice” to prepare foreign language documents in both languages. Most times this is done by formatting the document into two columns with English on one side and the other language on the other. One advantage of doing this is that it allows the affiant to sign twice. The signature on the English side will be compared to their ID – the other language is not. Thus, it is the English signature that is being notarized – and most ID documents in this country have English signatures.

You might also like:

Where can I find a Chinese speaking notary?

Diary of a Los Angeles Notary

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May 3, 2012

There was a bear blocking us in the driveway!

A bear in the driveway!

We write a lot about notary etiquette issues, but apparantly, the bears don’t think they need to use etiquette, at least not our style of etiquette.

A notary in New Hampshire goes to a signing.  She completes the signing.  She goes out to her car in the driveway, but there were three bears blocking the driveway… Her husband was in the car waiting for her, and they had to wait there until the bears went away.  It took an hour or two for the bears to go away.

My take on the matter is that these bears just don’t have any manners.  My experience with animals is that they don’t start out with manners. They are sort of a blank slate in many ways.  They know if they like you or not, and they know what smells good, but beyond that, they are moldable in many ways.  My philosophy is to sit the bears down and talk it over.  I would out of the car keeping a safe distance and get their attention.  I would say, “Listen, I have this car here (and point to the car), and I need to get this car from here to there (pointing at the road).  Would it be possible for you to lumber a few feet to the left please? By the way, I love your fur style — very catchy! I bet all the lady bears find you irresistable. Please move (pointing at them) to the left (gesturing my hands to the left).”

Mental telepathy works wonders with animals.  You can send them a mental image of them lumbering away.  I used to do this with my cat before she passed away, and as uncooperative as she was, she came to me when I asked using mental telepathy.

Bears are more afraid of human people than we are afraid of them. Notice that I say human people instead of just “people”, because bears are people too (sort of). They are furry people!  You never want to encrouch on a bears personal space, or leave anything in your car that smells interesting. But, making your presence known and sending the thought that you are going to drive and that they need to move is not difficult. Animals are very intelligent, and in many ways, they are more intelligent than we are (or at least more intelligent than many of us).

Remember — cats like it when you talk in a squeaky voice, but bears prefer a lower tone of voice. It makes them feel more comfortable in a bearish kind of a way!

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May 2, 2012

Notary Jobs in Various States

Notary Jobs in various states!
 
Many notaries want to find out how to get notary jobs in California, notary jobs in Florida, or notary jobs in their state of residence.  Basically, nobody or hardly anyone just hands out full time employment to people to do notary work.  However, many companies will like it if you have a notary commission, especially if they have a lot of walk in clients.  Storefronts, attorney offices, real estate offices, insurance offices, and bail bonds offices typically regard it as a plus to have at least one notary in house (in stock) at all times!  Notaries can also become mobile notaries and get freelance work as mobile loan signers as well!  123notary caters to those notaries who do mobile notary work and need mentoring for this type of work which is mostly loan signing.
 
Notary jobs are mostly freelance, and to get a lot of work you need skills and flexibility.   You need to be an expert at going to jails, hospitals, homes, offices, airports, and more! You need to be able to jump at the last minute and be able to handle difficult people in difficult situations.  You should have certificate pages for common types of notarizations.  You should be willing to work after dark.  You should be able to answer basic notary questions about what you can notarize, what you can not notarize, and what type of identification will work!
 
Notary jobs in Arizona – Notaries are not allowed to charge a regular travel fee there, but there is a lot of work

Notary jobs in California – San Francisco, Los Angeles and wine country have more work.  The other areas are slower

Notary jobs in Georgia — notaries can not do loan signings there, but can do any other type of notary work

Notary jobs in New YorkNYC is a place with more notary jobs than any other part of the country.

Notary jobs in  North Carolina – distances are huge there, but there is a lot of notary work

Notary jobs in Texas – there is lots of mobile notary work available there, but competition is hard in big cities

Notary jobs in Virginia – you can do well if you cover a wide area

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April 30, 2012

April 2012 List of NEW signing companies

Filed under: Signing Company Lists — Tags: — admin @ 1:03 am

We added a bunch of new signing companies to our list. Here they are!

Premier Lender Services
http://www.123notary.com/signco-idv.asp?sid=912&Premier+Lender+Services
Two notaries claim that Premier Lender Services is one of their favorites! This company has purely positive reviews on our list of signing companies.

Old Republic Title
http://www.123notary.com/signco-idv.asp?sid=906&Old+Republic+Title
One notary has worked for them for a while and never had a problem. Another says that the packages are large, but okay. A third notary says they pay in about two weeks!

HG Litigation Services
http://www.123notary.com/signco-idv.asp?sid=907&HG+Litigation+Services
Notaries say that the pay is fast, and the work is easy. Maybe I should quit my job and work for them!

e-notaries.net
http://www.123notary.com/signco-idv.asp?sid=908&e-notaries%2Enet
Lots of fax backs according to the notaries. Fees are not the best either. Take it or leave it, right? No payment issues reported so far, since nobody has reported actually working for them!

Notary ASAP
http://www.123notary.com/signco-idv.asp?sid=909&Notary+ASAP
One notary used to have good luck with these guys, but recently is having trouble getting paid.

Voyage Financial
http://www.123notary.com/signco-idv.asp?sid=910&Voyage+Financial+Group%2C+Inc
The BBB gave this company an A. They got one vote of approval from a notary too. She said that the package was huge, but that they were okay to work for.

Big Sky Notaries
http://www.123notary.com/signco-idv.asp?sid=911&Big+Sky+Notaries
One notary has worked for this company for years and says his experience was overall quite good!

44 Settlement
http://www.123notary.com/signco-idv.asp?sid=913&44+Settlement
One notary says they are nice to deal with! Another says they pay fast. But, I feel that something is not right about what we have recorded as the name of this company, because when I google it, nothing shows up!

You might also like:

How to sue out of state
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5168

Changing the name on Title
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5159

Notary Certificate Labels – bad idea?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5167

Anyone using GPS on their phone?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5121

Armour Settlement Services
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4814

Statous Network, LLC
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4990

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April 29, 2012

Florida Notary Acknowledgment & Jurat Information

Florida Acknowledgment and Florida Jurat Information
 
Florida Jurat Certificates now say Sworn to (or affirmed).  In the old days, most states had verbiage for jurats that stated, “Subscribed and sworn to before me…”.  California and Florida have merged oaths and affirmations in various contexts recently.  Additionally, the type of identification used by the signer in a Florida Jurat is indicated right on the certificate.  This seems to be a good idea, because you can track their identification more easily after the fact if it is documented on a certificate. If they used credible witnesses, it might look a bit questionable.  You can get away with having an odd name variation if you use credible witnesses in many cases.  Credible witnesses will swear to anything it seems to do a favor for a friend who they know only as “Joe”, the guy who lives down the street.
 
Florida Acknowledgment wording is short.  Please see our Florida Acknowledgment and Jurat Information page for exact verbiage. The most particularly odd aspect of Florida Acknowledgments is that they charge $10 per act and not per signature, while most other states allow the notary public to charge by the signature.
 
You can learn more about acknowledgments on http://blog.123notary.com/?p=1199

Please also see our Florida Notary Public Search page.

More on Florida Jurats and Florida Acknowledgments.

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April 26, 2012

Can a notary also witness documents being signed?

Filed under: Witnessing — Tags: , , , — admin @ 11:44 am

Q. Can a notary also witness documents being signed?
A.  Any individual over the age of 18 can be a witness to a document signing or Will signing.
 
Q.  Can a notary charge for acting as a witness?
A.  If acting as a witness is an official notary act in the state where the notary is commissioned or acting, then they can charge whatever their state’s maximum appointed fee is.  In all other states where witnessing is not an official notary act, then the notary can charge whatever the client will agree to.
 
Q.  Should I hire a notary to act as a witness?
A.  You can if you like, but unless you need some special documentation done, that only a notary can perform, there is no real need to have a notary around.
 
Q. Can you recommend some more detailed reading materials about this topic?
A.  Yes, please read:  Can a notary be a witness?

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