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July 26, 2019

My best teaching experience

Filed under: Uncategorized — admin @ 1:56 am

For those of you who do not know, before I ran 123notary, I had a history. No, not that kind of a history. Oh? That’s not what you were thinking? Well, then what were you thinking? Okay, in any case, I majored in Chinese in college as I had always had a strong urge to learn languages. In High School, I studied classical music a lot because my parents had many connections with music teachers, music schools, etc., and insisted upon it. When I got out of school, I found that there were no jobs that would involve Chinese unless I moved to China or Los Angeles, so I moved to Los Angeles from Boston which was quite a cultural adjustment.

Everyone and everything I knew from back home was no longer there. Even cultural things I took for granted like sarcasm didn’t exist over here. There were no more big Irish guys named Sully who whistled loudly when they wanted somebody’s attention (or said HEY really loudly.) I was surrounded by a California culture where people didn’t care about much of anything. And then there was a pervading gang culture near where I was living with Mexican gangs, gang guys, gang girls, bandanas, tattoos, low-riders, and Chinese kids who knew nothing except this type of environment. Sometimes the gangs would give people lectures right outside my window on the driveway. I remember hearing, “You gotta lot to learn esse! This barrio forgives nothing vato!” Okay, I’m mixing reality with Cheech and Chong, but you get the point.

I tried to get a job doing import export, but with few available jobs and no experience my search was a failure. Seattle and Shanghai had more jobs for people with my skill set, but I had family & friend (only 1 friend) here and was terrified of being alone in some other city. So, I started doing landscape maintenance, something I had done as a child. I realized I only knew how to do easy things and had little or no skill at doing harder landscaping tasks which got me in a little trouble. After that I started tutoring English again. That was something I had done while I was in Taiwan a few years earlier.

Tutoring was rough because people would cancel at the last minute, and the adults were not serious about learning. But, the children were good and proved to be reliable clients since their parents forced education on them (just like my parents forced music lessons on me which helped my life a lot.) After a while, my aunt pressured me to get a teaching credential and be a sub. I worked teaching kids and ESL adult school, and in all different parts of the county. I would drive to Fontana, South Los Angeles, East LA, El Monte, and more. And then it happened. What happened?

I was asked to teach a 10 week summer night school class in downtown Los Angeles. I couldn’t believe they assigned the class to me. Why me? I didn’t ask to teach it. I had very little experience at that district and in general with classroom teaching. I had done tutoring and small classes. Was it because it was a summer class? Were the other teachers on break? Was it because someone dropped out at the last minute? Speculation, speculation, and guess work. So, this class was every night for two and a half months. I got to the class the first day. There were about fifty people. I was overwhelmed. I had never taught a class that size. The room was huge too. It took three weeks to learn everybody’s name. Most of the people were from Mexico, but there were Salvadorians (or as I call them: Salvadortecos or Salvadorenos), Guatemalans (Guatemaltecos), two Koreans (Koreanos is how Mexicans say it), a South Indian, a Russian, and a few others. But, when you teach ESL in Los Angeles, it is generally 90% Latino.

I had learned a little Spanish and was going to learn more at work. Grammar was an issue, and my vocabulary was tiny. I speak Chinese well, but Spanish has always been a challenge even though it’s seven times easier to learn Spanish as an English speaker than it is to learn Chinese. So little by little I learned more Spanish words from my students which I needed for teaching. Because, when you teach a particular verb tense or topic, you need to make sure the slower students are on the same page with you so you don’t lose them.

So, I got to know the class better and better, and got more comfortable teaching them. The subject matter was my favorite: Beginner ESL (English as a second language). As time went on I noticed that there were more and more people in the class. I was disturbed. I didn’t know how these people would fit, and where they would sit. But, I got used to that. Then, I noticed that the population in my class kept growing like a cancer, little by little. I guess word got around that I was a good teacher, or perhaps there were no other options because there is a teacher shortage during the summer. By the end of the class I counted 120 people in my class. They loved me, I had most of their names down, and half the class valued me so much that they were willing to stand for two hours. I have never had an experience like this in my life and I think I should look back with price and gratitude. Because my other gigs of which there were over 100 (which were generally subbing less than a handful of times) were very disappointing and the classes did not love me.

Looking back, I would say that having your own class with a flexible student base is the best. That way new people who love me can join the class and I can accumulate a following of people who like my style.

Close to the end of the class, my birthday came. The students collected money for a huge cake. I was concerned that they were going to spend too much because (1) I like to keep it simple and (2) these were very poor people. After class was over on that day, they unveiled the cake. We had drinks, cake, music, and good conversation. It was somewhat hard to socialize with people who hardly speak English, but we managed. And then it was picture time. Two of the students put cake frosting all over my face and then took a photo of me. The posted a copy of it on the classroom wall so that we would have a happy memory. The principal came in a few days later and congratulated me on having a great class. But, I didn’t do anything special. I was just doing what I always do — I had just stumbled upon really really good luck!

So, that concludes my little spiel about my test beaching experience which incidentally was one of the best experiences of my life. I hope that I have some more amazing life experiences in the future.

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Nice things people said about 123notary in blog comments
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If knowledge is king, then what is queen?
http://blog.123notary.com/?p=22211

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April 26, 2019

Does a Notary need a business license?

Filed under: Uncategorized — admin @ 10:20 am

Does a Notary need a business license?
Does a Notary need a Notary business license?

Yes. To do any type of business, you should be licensed and registered with your county clerk’s office. They will charge a small fee for a license that is good for a few years and they will send a renewal notice in the mail. It makes sense to pick a name that will be attractive to clients. We have written many blog articles on how to pick a good name for your business. Please consider reading those articles.

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Choosing a name for your business license.
http://blog.123notary.com/?p=7103

You could get sued if you don’t have a business license
http://blog.123notary.com/?p=7100

Registering a business license
http://blog.123notary.com/?p=742

Names for Notary Businesses with commentary
http://blog.123notary.com/?p=20765

Names for Notary businesses that can get you in trouble
http://blog.123notary.com/?p=19064

Stealing a business name
http://blog.123notary.com/?p=2660

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August 14, 2018

Title Companies: 123notary Certification – what you need to know about it.

Filed under: Uncategorized — Tags: — admin @ 10:54 am

What does 123notary Certification mean in 2018 and 2019? A letter to title companies.

123notary teaches, screens, and certifies Notaries on:
Notary Basics
Loan Documents
Unusual Scenarios (that can lead to damages)
Clear Communication
Following Directions

We go to this trouble to make your title company’s screening and hiring procedure for new additions to your roster more streamlined, and lessens the chance of serious legal complications in the long run due to improper notary work.

We know that many of you would like to hire better quality Notaries. Are our current certified members up to your standards for being a “good Notary,” and how much extra do you feel they merit per signing? Would it be too much trouble to call a handful, talk to them for a few minutes and size them up and see for yourself how much better you feel they are compared to an average signing agent?

Our 2002 through 2017 tested mainly on loan documents and a little bit on Notary procedure, but involved mostly online testing which was taken advantage of by Notaries who found ways to game the system. As of 2018, we cleaned up our certification, removing those who cannot demonstrate a certain level of still on oral & email quizzes to ensure reliability to your hiring parties. We reduced the quantity of certified members from about 1600 to about 160 and will continue to screen certified members every year or two for quality control purposes.

Our 14 point certification process generates Notaries who are generally polite, responsive, cooperative, and technically competent. I can go over our process in as much detail as you like, but first I would like to let you know that most notaries will not aggressively pursue education on their own. They will only study hard if those who hire them recommend, require, or offer preferential treatment to those that do.

If you have Notaries who you would like to send over who you use regularly who would benefit from a tune up — or those who are not good enough to put on your list due to a lack of basic knowledge, we are happy to tutor, train, or enroll them in one of our courses. This collaboration of our forces will benefit both of us and does not cost title companies a penny. Our work on 123notary is for the greater benefit of title companies. However, we charge the Notaries for advertising and education and never charge title companies for anything.

If you would like to see our sales literature, just visit our loan signing courses page on 123notary.com. If you like the reliability of our screening we would like it if you can endorse our certification. Additionally, a few dozen of our notaries have our elite certiifcation which is a much more refined version of our certification.

We would like referrals and endorsements from agencies and individuals who work at agencies that hire Notaries in exchange for us helping you to refine the quality of your signing agents.

THE CERTIFICATION PROCESS

a. 123notary certification starts with reading our educational materials. We have loan signing courses that we sell. We also have free Notary basics materials in our blog at Notary Public 101 which we are in the process of adding to our sold materials for the convenience of the buyer. However, that material on the blog is open to the public, so our students can see it at any time.

b. We also offer Q&A by email and even tutoring to those who want it. Sometimes the technical aspects of Notary procedure can be complicated and a one on one session can be the best way to learn.

c. Testing is done online, but also as a follow up by phone. Testing by phone is more reliable as a measuring stick as we can ask open ended questions, multiple choice, fill in the blank, etc. Additionally, we know that we have the correct entity taking the test and can adjust our questions to exactly what we want to ask. We can also more easily monitor how many times and when the person took the phone test than with online tests many people abuse the privilege and treat it more like a video game that they keep playing until they win.

KNOWLEDGE REQUIRED
The knowledge required to pass our test as of 2018 includes:

1. Notary Acts. We require Notaries to know when particular notary acts are used, how to explain these acts, and what the requirements of each basic act are including Acknowledgments, Jurats, Oaths, Affirmations and Proof of Execution. We do not teach other acts as they are uncommon and not necessary. We also require Notaries to know how to administer Oaths as they are required by law when executing a Jurat which is done on Affidavits as a matter of custom.

2. Notary Terminology. We require Notaries to know basic Notary terminology such as Venue, Affiant, Certificate, terms relating to Power of Attorney, etc.

3. Certificates. We go over how to fill in the additional and optional information in certificates which deters the fraudulent as well as accidental swapping of certificates to other documents.

4. Journals. We teach prudent journal entry procedure using the one entry per signer per document principle.

5. Power of Attorney. We teach Notaries to follow instructions to a tee on AIF signings and to call in if instructions are omitted or not clear as to how an Attorney in Fact should sign in their capacity.

6. Identification. We teach Notaries how to make sure the ID proves the name on the document. This may or may not be a legal requirement in their state, but it is a prudency requirement that helps reduce the chance of ending up in court.

7. FAQ’s. We teach the basics of FAQ’s at loan signings such as:
(a) When is my first payment due?
(b) Where can I read about my prepayment penalty (if there is one)?
(c) Why is my APR higher than my rate?
(d) Where does it say where my payoffs and fees are located?

8. We teach the basic loan documents. Our emphasis used to be mainly on documents while our current emphasis is on issues that can cause financial damages to companies involved in transactions which are normally Notary issues or issues pertaining to negligence in business matters.

9. RTC. We teach how to date the Right to Cancel in a Refinance for an owner-occupied property.

10. Errors on Certificates. We teach the various ways to deal with errors on certificates, but this gets into state specific areas and also in to areas pertaining to the preference of the Lender or Title company involved.

11. After-Service. After a Notary signs a loan, they still might be needed for several days to clean up errors or answer questions. Notaries are not normally aware of how long they need to be around, so we tell them what types of situations can arise after the fact and how being unresponsive by phone and email will not make them popular with Title companies.

12. Elder Signings. Issues involving the competency and state of mind of signers is critical with elder signings. Elder signings normally take place in the hospital, but it is possible that for loan signings, especially Reverse Mortgages, that elders could be there. If an elder is on morphine, they are not in a position to sign. And if they cannot paraphrase a document, it might be dangerous to notarize them for legal liability reasons.

13. Foreign language signers and foreign language documents. We address these points a bit. A Notary must have direct communication with the signer in all states but AZ where oral translators are, or were allowed. However, for safety, you should not rely on a translator, because if they make a mistake, you could end up in court and you would be ultimately responsible as the Notary Public involved in the particular transaction.

14. Omitted Information. Sometimes a Notary will go to a signing. The instructions might say, “This page must be notarized.” However, there might not be a notary certificate. In some cases there might not be a signature line. We teach how to handle these situations gracefully.

.

DANGERS OF HIRING A SHODDY NOTARY

1. Oaths. If you hire a notary who does not administer Oaths, your loan could be questioned, or perhaps even overturned in court by a Judge once the judge finds out that an “incomplete notarization” has taken place. Omitting an Oath makes a Jurat notarization on a Signature Affidavit, Occupancy Affidavit, Identity Affidavit or other Affidavit incomplete and therefore a Judge could declare the document not notarized, and perhaps declare a loan as invalid as a consequence. This would cause serious legal and financial damages to many parties involved. 90% of Notaries we talk to do NOT know how to administer an Oath correctly and most do not administer Oaths at all… ever, because they think it is not “required” in their state. It is required nationally.

2. Dropping Packages on time. If you hire a Notary who holds on to packages when they don’t know what to do in a particular situation, or because they just are not in the habit of dropping documents quickly, you might not get your important documents back on time. This is dangerous and can cause delays in funding, missing the lock in an interest rate, or your loan getting cancelled. Often times several days later, the documents will be found in the trunk of the Notary’s car. Each incident of forgetting to drop a package can cost you hundreds or thousands.

3. Identification. If you hire a sloppy Notary who does not make sure the name on the ID proves the name on the document, it is possible for your loan to end up in court costing all parties thousands. The lack of thumbprints in a Notary journal also makes it hard to identify someone who used a fake ID.

4. Journals. If you hire a Notary who does not keep a journal, you might not experience trouble for years. The minute your notarizations are called into question by an Attorney, the lack of evidence (namely the notary journal) would come back to haunt you and cause a nightmare. Without evidence, you have no way to prove who notarized what, or if a fraudulent notary impostering a real notary did the work. You have no idea who did what or when or what type of identification was used, or even if the signers consented to being notarized.

Additionally, if your sloppy Notary uses the “cram it in” style of journal entries where one line in their journal accommodates all documents in a loan signing (legal in some states but not prudent) your borrower could claim that they never had all of the documents notarized, but only one, and therefore the loan is void and the transaction must be cancelled, etc. This happens once in a blue moon when a borrower wants to get out of a transaction, and legally it is hard to prove if they consented to be notarized on five documents in a transaction when there is only one signature in the journal for five documents. You could claim that the Notary was in cahoots with the lender and added four additional documents after the fact.

5. Confirming. Improper confirming of signing can lead to a lot of wasted time. If the name on the ID does not prove the name on the document, there is no point in going to the appointment. There are many other critical points to go over when confirming the signing. The majority of Notaries either do not confirm signings, or don’t do so thoroughly enough which can cause a lot of loss of time and perhaps delays in the loan process.

6. Following directions. Many Notaries do not follow directions well. This can cause a huge loss to companies that hire them assuming your directions are critical to the success of the the signing. We screen for following directions when certifying signing agents. None of them are perfect, but we weed out a lot by asking a few following directions questions.

7. Notarizing for non-English Speakers. If you notarize for non-English speakers, this can lead to liability if you cannot communicate effectively with them. Any misunderstanding could come back to you.

8. Dating the RTC. You would be surprised how many Notaries cannot date a Right to Cancel. That can cause financial damages to any company that hires them.

9. Elder Signings can be a source of liability. The elders don’t always understand what they are signing. A competent Notary makes sure the signer understands the document, especially if elderly or in the hospital.

10. Being responsive after the fact. Many Notaries disappear or play hookey after a signing. Notaries are needed to answer questions before, during and after the signing. If they are not, this could cause grief to the hiring party.

.

Do you have to be a CSS to get work these days?
http://blog.123notary.com/?p=8914

Elite Certification will benefit you for the rest of your life
http://blog.123notary.com/?p=20770

If you were hiring a notary, what would you look for?
http://blog.123notary.com/?p=16750

If Donald Trump hired you as a Notary, would you get fired?
http://blog.123notary.com/?p=19120

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August 3, 2018

Notary Public 101 — Scenarios: What entities might want to see your journal?

Filed under: Uncategorized — admin @ 6:38 am

I have gotten in hundreds of arguments with notaries from states all over the county. Those who live in states where journals are not legally required think they will not get into trouble if they don’t have one. If you end up in court, your journal is your only evidence of what happened. You might become a witness for a long case or a defendant if you don’t keep a journal regardless of what your state says.

The FBI investigates ALL Mortgage fraud. That means that if you notarize a fraudulent mortgage, don’t keep a journal, and the FBI catches up with you– you are in trouble as well as the Lender and they can name you as a suspect. The possibility of being slapped with a $20,000 Attorney fee is just not worth the risk. It is much easier just to keep a journal so that you will have some sort of evidence of what work you performed.

Here is a list of entities that might want to see your journal other than your state which may or may not require it.

1. The FBI
2. Judges in court
3. Signers
4. Attorneys
5. People who were affected directly or indirectly by something you notarized perhaps such as beneficiaries, etc.

When I was a Notary, I had three or four inquiries about journal entries. Since I kept my books in order I was ready. How ready are you?

You might also like:

Notary Public 101 – Journals
http://blog.123notary.com/?p=19511

Comparing journal entries to FedEx signatures
http://blog.123notary.com/?p=19375
How many journal entries do you use for two signers on three docs?
http://blog.123notary.com/?p=19391

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March 4, 2017

SnapDocs is a bigger operation than I thought

Filed under: Popular Overall,Uncategorized — Tags: , — admin @ 10:34 pm

123notary is a small, but high quality organization that has a database of Notaries that is nationwide. We offer refined information that we check regularly for accuracy. We never experienced any serious competition until SnapDocs appeared in 2012. SnapDocs didn’t get too much serious traffic until 2015 when we started to really feel their presence.

But, they are not a mom & pop organization like we are. They are a huge technology company that processes 40,000 loans per month. They automate a lot of the back office processes that go into preparing a loan for the closing process as well as parts of the loan signing process such as finding a Notary.

SnapDocs charges $8 per loan signing according to what I have heard. If they have 40,000 loans per month, their income is $320,000 per month or about 4 million per year. They also have a team of programmers and engineers to keep their operation afloat.

They are located in San Francisco, CA with another venue in San Jose, CA which is the tech capitol of the world as far as I’m concerned.

I’m beginning to be concerned that we will lose a lot of market share due to them, especially if they get smarter about taking market share.

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See our STRING about Snapdocs
http://blog.123notary.com/?tag=snapdocs

The Uber principle at Snapdocs — new blood
http://blog.123notary.com/?p=18868

The History of 123notary
http://blog.123notary.com/?p=18868

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October 19, 2016

Notary Butt Dialing

Filed under: Uncategorized — Tags: , — admin @ 10:34 pm

Notary Butt Dialing – No Ifs ands or Butts

When it comes to Notary butt dialing, there are no ifs, ands, or butts. One Notary had a cell phone with a waterproof case. His acupuncturist spilled massage oil all over his last phone, ruining it. So, the Notary bought a waterproof case that gradually disintegrated over time to the point where the lock screen button in the plastic fell off. So, the Notary couldn’t lock his phone without sticking a key through the plastic to the phone’s actual metal button – and putting the metal to the metal.

So, just once, this Notary decided not to lock the phone as he put it in his pocket. He put it on the page with the 16 icons and thought — what are the chances the iphone will have the green phone icon pressed? That’s one out of 16, and if it does, what are the chances it will actually call someone. After, two minutes, the phone had already called two people this Notary actually really wanted to talk to whom he hadn’t talked to in years. He was starting to trust his butt more than his fingers!

But, what if you butt-dialed an actual signing company? Would they think that the Notary was an actual butt-head? Would the two of them butt heads together?

At least the notary wasn’t just sitting on his butt like the feeling you get from lenders who are late in sending documents. This notary’s butt was being proactive! And rather than risk a traffic ticket or his life while talking into his cell while driving, this notary could butt-dial and drive at the same time. Driver’s seats should come equipped with built-in cell phones. Rear-view mirrors, welcome your new modern cousin – rear-sensitive seats!

If smartphones can let you digitally sign for things, it might not be long before we see smartphones for butt-dialing clients. By flexing the precise posterior muscle, maybe someday they’ll be able to sign documents in remote locations. Face to face notary encounters, make way for butt cheek to butt cheek encounters.

And now for my reBUTTal: One notary accidentally butt-dialing someone he might want to do business with is like hitting the lottery – the odds are against it. The stories of desperate gamblers who think otherwise too often REAR their ugly heads. END of story. Now if you’ll excuse me, my butt is calling.

.

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You lose $37.50 each signing you don’t answer the phone
http://blog.123notary.com/?p=16562

Dumb and Dumberer for Notaries
http://blog.123notary.com/?p=14102

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March 30, 2014

Analytics for TECHNICAL posts… graded!

Filed under: Uncategorized — Tags: — admin @ 11:25 pm

The (A) list:
ID, POA, APPS, SUED, JOBS, TUTORIALS, INTERVIEWS, BEST PRACTICES, POINT & SIGN, OUT OF BIZ, FREE, DIFFERENT DAY, LATE DOCS, PAYMENT, WILLS
CALL: Don’t CALL the Title co, or borrowers
ACCEPTING certifications
PAID: Getting PAID usual or unusual ways.
QUALIFICATIONS (background check & CSS)
JOBS: More jobs, less jobs, taking jobs away, taking bigger cut of money from jobs.

The (B) list:
Consumer financial protection, Loom them up, Stay here until PAID, why use middle INITIAL, Boss PAYS for COMMISSION, Industry STANDARDS, BEGINNERS, what makes a mobile notary, I-9, won’t sign disclosure, following directions, more specific tutorials, JAIL.

TUTORIAL on documents idea.
DOCUMENTS: Late, don’t call until ready, document dates, foreign language docs, witnessing docs, common mistakes w/particular docs, which docs recorded.

=====================================
1003 trouble (F)
1099 too high (C)
ACCEPT certifications (A)
ACKNOWLEDGMENT (D) optional ack cert.
APOSTILLE nightmare (D)
ATTENTION paying (D)
ATTITUDE > JOBS (C)
ATTORNEY GENERAL (F) UR not an attorney (F)
APR (C) to non-borrowing spouse.
BACKGROUND Screening (A)
BAG; carry all (F)
BAR: GA association (F)
BEGINNERS info (B)
Birth Certificate (A)
BLOG she learned more (F)
BOOKS top 5 (F)
BORROWERS at ease (C)
BOSS pays for comm. (B)
BUSINESS NAMES (D+) Biz names (C-) Choosing a name (D+) Grow biz first then register (D-)
CALL (A) don’t call title co;
CERTIFICATION or skill (D); Uncertified not a single all (D) If not certified (D) Just do it (D) Obamacare (F); not cert (F)
CLOSING bank branch (A)
CONTRACT (F)
CREDIT CARD afraid (F)
CROSS-OUT happy (C); story about cross-outs (C); Cross out and initial (F)
CREDIBLE witness (D) what is (F); Charge for (F);
CRIMINALS (B)
DIRECTIONS following (B)
DATES (B) doc, sig, notarization date
DOCS ready (A)
DOCUMENTS ready (A)
DUE: getting what is (A)
E&O (D); Supersize (D)
EATING on road (C)
EMBOSSERS (F)
EXPERIENCE gain (C)
ELITE: does it help? (C) Elite certification (F)
EXPLAIN (C)
ERROR-FREE (C)
FINGERPRINTING (D) difficult
FREE 3rd signing (F)
GETTING more work (A) 3jobs/day
eNOTARY overall score (D) ; which states (A); pros/cons (D); state specific (F); what can enotary do (F); 10yrs garbage (D); AZ (F);
eJOURNAL (B)
ETIQUETTE borrower (D) thanks, sorry (D)
FAMILY (C) Making family leave the room.
FEAR, anger (F)
FIND 24 hour notary (D)
FINES & PENALTIES (C)
FOREIGN lang doc (B)
FREE certification (A)
FUZZY (F)
GUNS borrowers w/ (F)
HIRE other notaries (C)
HOLD HARMLESS (C)
HOSPITAL signings (D)
HUD (C)
IDENTIFICATION (bad) (A)
INTERVIEW (A)
HOURS (F) of operation
IDENTIFICATION (D) 2nd ID requirement
INCOME: (C) Notaries who make more than Attorneys
I-9 Notarizing (B)
iCLOSE (F)
INITIAL middle overall (C); Why use middle initial (B) wouldn’t use middle initial (D)
INSURANCE (F)
INTERVIEW / advice (B) interview w/title (C) Title source (B); timios (A) Advice from AZ; Veteran Notary inteview (C)
JAIL overall (D); Pay at (F); Hubby in jail (B) Notarization at (D) Jail one phone call (F)
JOBS (A)
JOURNALS (D)
LATE docs (A)
LOOK them up (A)
LOWBALLERS (B)
MINIMUM competency (D)
MINORS overall (C); Minors rules (B) Notarizing a minor (D)
MISTAKES w/ Title (C); common mistakes (C) I also make (D) When you goof (D) types of (F)
MOBILE NOTARY (B) what makes?;
MOBILE OFFICE (D) warrantee
MORTGAGE borker (F) sniffing out the right notaries.
NNA (D) NNA-care (F)
NOTARIZED overall (D); w/o sig (C); Notarize 2x (D); Notarized statement (D) How to get (F)
NOTARIES (F) Industrial strength (F) unleaded (F)
NOTES (D) factual or personal? (D); Represent (F)
NOVICE (D)
OBSTACLES creating (C)
OATH (F) of two 2 witneses
OVERSEAS (D)
OUT OF BIZ bank br. (A)
OWL icon (D)
PAGE every page? (C)
PASSPORT (C) Notarizing passport (F) How to notarize copy of passport (A)
PAYMENT responsibility (C) getting what is due (A); Stay until paid (B); How to get paid (D) Fees at door (F)
PERJURY arm twisting (D) Perjury vs. Oaths (D)
PAY: does xyz pay? (F)
PHONE overall (C) ; Who answers? (A); Why answer (D); Phone interaction tutorial (D); Call back can’t talk (D)
PHONE #’s (F)
POA / Nursing home (A)
POINT & SIGN (A)
POLICE enotarization (D)
PREPAYMENT penalty (D)
PROTECTION (A) Consumer Financial protection bureau.
RAMBLE (D)
REAL ESTATE exp. (D) RE prices (F)
RECORDED which docs (D)
RESOLUTIONS (F)
ROCKET SCIENCE (F)
REVIEWS technique (F); signing co. reviews = payment (D+)
SIGN overall (B); Sign on different day (A); Sign disclosure (B); Get them to sign (D);
SIGNATURE BY X (F)
SPAM contacts (D)
STANDARDS: industry (B)
STAMP missing F()
STATES bordering (F)
STRANGE funny haha (D)
SUED: biz lic, e&o (A)
TAMPERING stapler (F)
THUMBPRINT overall (B); Thumbprint necessary (A); Asked NOT to thumbprint (C)
TIPS; overall (C) 12 tips (B); tips for notaries (F)
TOOLS for notary (F)
TRANSLATE (F)
TRENCHES for notaries (D)
TROUBLE (D)
TUTORIAL (B) general (A) other (B) too obscure (C)
VAGUE (F)
Webcam Notarization (B)
WILL notarize a (A)
WITNESSES (B) notary witness (B); expert witness horror (B)
WORK getting more (A) 3jobs/week to 3jobs/day; took biz away (A)
UNIQUENESS (D)
WARRANTEE (D) for mobile office
X on search results (D)
X: Signature by X (-) See Signature by X

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October 20, 2013

Can a resident alien card or permanent resident card be used for being notarized?

Each state has different rules for what type of identification is suitable for being notarized. The California Notary Handbook does NOT specify if a Green Card, Resident Alien Card, or Permanent Resident Card may be used as identification for being notarized!

However, if you have a current “California approved” (a card that meets California standards) identification card that has — a photograph, description of the person, signature of the person, and an identifying number: then you are in good shape and can be notarized.

Since a green card or resident alien card is not on the approved list of identification cards in the California Notary Public Handbook, it is recommendable to use a passport, state issued identification card, or driver license.

You might also like:

Notary Public 101 – identification
http://blog.123notary.com/?p=19507

Compilation of Notary stories
http://blog.123notary.com/?p=21898

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

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January 22, 2011

Definition of Oath

This article deals with Oaths in general as well as how Oaths are significant in the Notary Profession.

What is an Oath?
An Oath is a solemn and formal statement of fact or promise that is worded in a sacred or official way. An Oath is a formalized vow normally taken before others in a formal situation.

Types of Oaths
It is common for people to take an Oath or swear under Oath when becoming a public official which would be called being sworn into office. People also take Oaths when they get married or when they are sworn into court as a defendant, plaintiff, Attorney, witness or juror. People take an Oath of citizenship when becoming a citizen. Those in the medical profession take a hippocratic Oath. But, zookeepers do not need to take a rhinocratic Oath contrary to popular belief.

Hand Gestures
It is common in the United States for people to raise their right hand with their palm facing forward at the beginning of an Oath proceeding. Different parts of the world might have different hand gestures or no hand gestures.

Some People Refuse Oaths
Some Christians refuse to swear under Oath as they always tell the truth (or claim to.) They seem to not understand that the purpose of the Oath is not to prove to themselves that they are telling the truth, but to impress upon others that they are — while the others might not have the same opinion as to the integrity of the affiant. The Notary profession now allows for Affirmations instead of Oaths for those religious people who don’t believe in oaths.

Affirmations
An Affirmation is a formal statement that currently carries the same and identical weight and meaning as an Oath. A Notary Public can swear someone in using an Affirmation instead of an Oath merely by substituting verbiage. Instead of saying, “Do you solemnly swear that this document is true and correct?” you could say, “Do you solemnly affirm that this document is true and correct?”

Affiant
An affiant is the person who swears under Oath typically in a written statement called an Affidavit.

Affidavit
An Affidavit is a written document, often a legal document where the Affiant swears before a Notary Public as to the truthfulness of the document.

Jurat
A Jurat is an official Notary act where the affiant swears under Oath to the truthfulness of a written statement or document. Some Jurats have handwritten statements written by the signer who is also the affiant. Others are drafted up by an Attorney, government or professional agency.

Notarial Oath
Jurats are not the only Notary act that can have an Oath. Notaries use Oaths in many aspects of their work. Notaries take an Oath of Office to get sworn into duty when their commission begins. Notaries routinely swear in Credible Witnesses who are used to identify a signer who doesn’t have identification. Notaries swear in Subscribing Witnesses as well who witness people signing a document. There are also just plain Oaths that Notaries administer. The Oath might not be written or recorded. If Notary administers an Oath, they should indicate in their journal that they gave an Oath regarding a particular subject and have the Oath taker (affiant) sign the journal in that corresponding entry.

Acknowledgments with Oaths
Acknowledged signatures normally do not have Oaths, but they could have an accompanying Oath. Acknowledgments allow the signer to sign before they see the Notary Public. However, the Oath would have to be taken in the presence of a Notary Public.

Oaths in Mortgage Loan Signings
Mortgage loan signings normally contain several affidavits such as the Signature Affidavit which requires a sworn Oath. So, if you perform Loan Signings, be prepared to be an expert at the art of Oath giving.

Question
If Physicians take a Hippocratic Oath, what type of profession would take a Rhinocratic Oath?

You might also like:

Subscribing witnesses explained
http://blog.123notary.com/?p=16707

How good is your technical knowledge? Should you learn more?
http://blog.123notary.com/?p=16683

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January 4, 2011

Doing Oaths? Use a multiple choice form to pick a deity!

Filed under: Uncategorized — Tags: , , — admin @ 10:40 am

The politically correct movement has swept the nation. Even in places like Alabama, people are shying away from the mention of God and doing Affirmations instead of Oaths. The problem I have with this is that there are customs involving Oaths that make the Oath formal and solemn, and by doing away with these customs, in my opinion, you undermine the whole Oath experience.

A traditional Oath is done with the clause — so help you God at the end.

Nowadays you can pick your favorite diety in an Oath, or at least that is what many Notaries feel. The way I teach Oaths, you can only swear to God and nobody else. If you don’t like God or the mention of God, then try an Affirmation which has you affirm on your honor. The picking of divine entities bothers me because the Oath procedure becomes a free for all. It is like Gay marriage. Now a man can marry a man, woman, sheep, or even a lion in some states (just kidding.) Below are some examples of this convoluted change in Oath procedure.

NOTARY: I am going to administer an Oath to you. So, I will need you to pick a deity to swear to. For me to do the Oath verbiage correctly, please let me know your choice of deities in advance. For God press A, for Lord Krishna press B, for Muhammad C (although that would be forbidden in Islam to swear to anyone other than God), and for Shinto-Man press D.

SIGNER: I don’t really care.

NOTARY: Oh, I am just being sensitive. Do you have a preference?

SIGNER: I’ll pick Ganesh for $50.

NOTARY: I don’t think Ganesh is for sale, but here goes. Do you solemnly swear that the contents of this document are true and correct so help you Ganesh?

SIGNER: I do. I swear by his tusk. He’s an elephant so I assume he has a tusk, unless he was detuskified.

The ironies of these types of Oaths are that the Notaries put so much effort into avoiding offending the Affiant (a word most Notaries do not even know) that they fail to maintain the legality of the Oath by giving off-topic Oaths perhaps regarding whether or not you signed the document on your own free will, or if your name is really John Smith. The Oath must be to the truthfulness of the document as a primary focus. But Notary focus is on politically correct nonsense these days and not on the law. If there were a prison for Notaries who break the law, I would put them in a very politically prison where they are referred to as Notarial-Americans instead of Notaries.

Here is another example. The signer is being particular about his preferences.

SIGNER: I need an Oath.

NOTARY: Oh, would you like to have an Oath under God, or some other diety.

SIGNER: Is it possible to swear to Vishnu because I am a Vaishnav.

NOTARY: A what?

SIGNER: A Vaishnav is a type of Hindu that believes in Vishnu just like a Shivite prays to Shiva.

NOTARY: Who?

SIGNER: How can you administer an Oath to me for a God that you don’t even know the name of?

NOTARY: Okay… Do you solemnly Affirm under the supreme rule of Vaishoo…

SIGNER: Not only did you mispronounce the name of my God, but you don’t even know the names of the words in a real Oath. In an Oath you swear not affirm, and in an Affirmation you affirm, not swear. You can’t just mix-match the words any way you like. The minute the word swear is not there, it is no longer an Oath.

NOTARY: Yes, but they are legally the same.

SIGNER: Be that as it may, I have the right to choose the type of Notarization, and you re-chose a different act on your own initiative which is not legal. If you spent more time following the law and less time playing multiple choice with deities you might be a better Notary. You might even become a law abiding Notary!

NOTARY: You’re rude! But, we’ll do the Oath again. And the deity of the day is Jupiter. I want to do a Greek God today.

SIGNER: Doing Oaths is not like deciding what type of dressing to put on your mandarin salad. This is a legal process and there are rules. You might not know what the rules are, but there still are rules. I am reporting you to the Secretary of State. I am sick of this nonsense. You are commissioned to do notary work, yet you don’t even know how to do the simplest acts. Unbelievable. My Vishnu… Ooops, I used the lord’s name in vein.

NOTARY: Don’t worry, I won’t report you.

Jeremy’s advice
Unless you have read up on your state’s laws and know which Gods are admissible for an Oath, stick to God, the founder of the universe. And in an Affirmation have the Affiant affirm on their personal honor. That is how I teach it and it is simpler that way. You may not think anyone is checking up on your when you are doing Oaths — but, God is, so use his name if you do an Oath. And if someone doesn’t like mentioning God, do an Affirmation. And remember — if they are Unitarian, the last time God was mentioned was when the janitor hit is thumb with a hammer.

.

You might also like:

Airline meals vs. Notary Oaths & Affirmations
http://blog.123notary.com/?p=19549

Notary Public 101 – Oaths, Affirmations, Jurats & Acknowledgments
http://blog.123notary.com/?p=19500

Should you give book wording for Oaths or improvise?
http://blog.123notary.com/?p=19660

Oaths – how Notaries completely screw them up
http://blog.123notary.com/?p=19369

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