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October 27, 2018

All Mortgage fraud is investigated by the FBI

Filed under: Popular on Twitter,Technical & Legal — Tags: , , — admin @ 10:17 am

The FBI is federal and your state is local. So, if your state doesn’t require a journal, you notarize a fraudulent mortgage, and then get investigated, then the feds will be investigating you. If you don’t keep a journal which is your only evidence that showed who you notarized, you will have no evidence.

Additionally if someone copies your seal and impersonates you, and you don’t keep a journal, you will have no proof or way of knowing if you were the one who notarized the transaction or whether an imposter did. These are some of the many reasons you need a journal. The excuse, “My state doesn’t require a journal.” Might not cut it with a Federal agency, because a Federal agency goes by Federal guidelines not the backwards rules of your state.

The FBI can name you as a suspect and if you don’t keep a journal it looks like you are doing a cover up for fraud and are in cahoots with the Lender. It looks like you are hiding evidence.

Additionally, the FBI needs forensic or biometric evidence. Texas and Florida discourage or prohibit taking such evidence. If you show the FBI a line in your journal that has a fake name, fake ID serial number, fake address and fake signature, how will this help the FBI catch anyone? Try to think from their perspective. They are trying to catch people who are ruining dozens or hundreds of peoples’ lives. If you are a concerned citizen, you might try really thinking hard about this. Taking journal thumbprints is a foolproof way to identify signers. Whether you do this or not is something I cannot advise, but there are serious consequences to not keeping thumbprints — consequences for the safety of society.

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You might also like:

Penalties for Notary misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315

Notary loses $4000 in legal fees because fraud adds name to acknowledgment
http://blog.123notary.com/?p=19477

My stolen identity and the fraudulent notary seal
http://blog.123notary.com/?p=20753

Fraud – The 30 point course discusses this issue
http://blog.123notary.com/?p=14514

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August 3, 2017

Black Notaries vs. White Notaries: The Notary Manual

Black Notaries vs. White Notaries: The Notary Manual

TEACHER: Hello class. We are gathered here today to talk about Notary terms, and the state Notary manual. But, first I would like to ask what the manual means to you.

SHELLY: I see a short book designed to teach the Notaries of tomorrow the rules of the road in order to safeguard the integrity of notarized transactions which protects society at large in a broader sense.

TEACHER: Very good Shelly! And very wonky.

KIM JONG “AKA Korean mom”: It’s so very difficult to understand. Half the terms don’t show up in my English-Korean dictionary. What a pain! I have to use my English dictionary and then translate the words in the definition into Korean to figure it out. How will I pass my test? I tried to use that as an excuse to get out of jury duty but they chose me anyway until they found out I didn’t understand any of the legal terms they used! Like “If it doesn’t fit, you must acquit.”

TEACHER: Okay, just let me know if there are any terms that I can explain to you. I may not understand Korean, but I can break the complicated terms down in an understandable way.

SHALONDA: I see three things. (1) I see a technical manual that teaches the state & civil laws affecting Notaries public, and more that could help Notaries deter fraud, keep transactions official, and keep paperwork straight. (2) A book that teaches the how-to of doing daily Notary work and (3) A book full of new names for black people to name their kids — you know what I’m saying?

TEACHER: Well, I hadn’t thought about it like that before.

SHALONDA: Oh yeah. I named my kids after Notary terms several years ago. Jurat and Venue… that’s short for Venuetta.

SHELLY: Do you swear under Oath you named your kid Jurat?

SHALONDA: I most certainly do (raising her right hand). But, Jurat is more of a jokester. He doesn’t have a solemn bone in his body. The tread on his boots is shaped like a Notary seal, and he was playing outside after it was raining. It looked like we had impressions of notary seals all through the house. I told him to take his boots off after that.

SHELLY: All of this studying for the Notary exam is tiring. I heard that reading too much can be bad for your eyesight. No wonder Trump doesn’t need glasses.

KIM JONG: I know. That’s why my kid Myong is forbidden to study more than six hours a night. We are recommending dropping his study time from seven hours to five hours and forty-five minutes with the last forty-five minutes mostly study-oriented games, songs or something where he is not staring at a book or computer.

SHELLY: Well we were going to increase Tommy’s study time from forty minutes to an hour and twenty minutes after we found out how hard college is. But, we don’t want him to ruin his eyes, so we’ll compromise at seventy minutes a day.

KIM JONG: How will he possibly compete with those studying five hours a day?

SHELLY’s HUSBAND: She has a point. Tommy will never survive in college unless he studies more. What he does now will affect him for the rest of his life. And if he does poorly in school like my brother, then he might get stuck driving a garbage truck for the rest of his life. Or an Uber.

SHELLY: Or worse — he might have to become a Notary. What has four wheels and flies?

SHALONDA: Ooh! I know this one! A garbage truck.

KIM JONG: No, that’s the junior high version of the joke! The answer in this context is a Notary who is late to a signing because he would be driving so fast!

SHALONDA: Good point. Not funny point, but good. But, honestly, to be a Notary you need to study too. In some states you need to study at least 30 hours to pass the Notary test and then another 30 hours to be a good signing agent. This profession isn’t for jokes — that is if you want to succeed in it. And by the way, you should say what has four wheels and screeches, because when you round those corners, you’re gonna be screeching those tires, girl.

TEACHER: Well class, we do seem to be diverging now don’t we. Being a Notary is a very honorable and noble profession and not for those who lack character. No wonder Trump was never a Notary.

SHALONDA: But, it is for those who lack a high school diploma. There is no educational standard for this job other than passing a test. California, Louisiana and New York make the test hard. But, the other states will just hand out seals to any fool who applies. Like Presidential Seals. Where’s the nobility in that?

TEACHER: Good point. Well, in theory it is supposed to be noble.

SHELLY: Theory doesn’t cut it when a clueless Notary assists a fraud in stealing the Title to your house.

TEACHER: You’re right. Maybe having a longer course than our six hour course would help. Perhaps a background screening too not just for being a signing agent, but for being a Notary.

SHALONDA: In California, the FBI, DOJ, and KGB all check us, but in these other states there doesn’t seem to be a system of checks and balances.

KIM JONG: Perhaps, being a Notary should be regulated federally instead of by a bunch of irresponsible states who can’t keep anything straight. And that wasn’t a reference to the gay parts of California.

TEACHER: Well perhaps you’re right. In any case, let’s practice notarizing a Jurat.

SHALONDA: You’re going to notarize my daughter?

.



You might also like:

Black Notaries vs. White Notaries: Are you black or white ee-nuff?
http://blog.123notary.com/?p=19251

Black Notaries vs. White Notaries: Comedy edition
http://blog.123notary.com/?p=17455

Honey you can kiss my app
http://blog.123notary.com/?p=14902

Best virtual notary comedy compilation updated to 2018
http://blog.123notary.com/?p=17693

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February 28, 2017

The Notary of the Future

Filed under: Ken Edelstein,Popular on Twitter,Popular Overall — Tags: — admin @ 9:12 pm

Evolution moves slowly. It takes a really long time for the process of natural selection to propagate a random DNA change. Evolution is one of the few things that take longer than waiting for Jeremy to reply to an email. However, there is good news; the changes coming will greatly benefit notaries. There is much to look forward to, unfortunately we won’t be here. As you know evolution favors genetic changes that facilitate adaptation to the environment. Well, the notary environment will be greatly different a few eons from now. Let’s take a look.

In that distant future, an optimum blend of evolution and cyber technology will create Notary. Free from the constraints of gender, race, and other trivial aspects of current human existence, the species Notary will be superbly adapted to thrive. No, it’s not a version of a “repair job” that created the “six million dollar person” – it happens naturally. Our future includes a few “implants”; necessary to enhance a biological organism to include non-organic components.

Above all other considerations, the Notary will be complete, and superbly equipped to perform without carrying any “baggage”. Everything is now built in. Did you ever get a rush request and not have your stamp or embosser with you? Our future Notary has additional appendages, similar to arms; one for multiple stamps, the other for embossers. Bio molecular engineering converts food, not into the current waste product; but rather into paper for the built in printer. As good as these capabilities are, they are nothing compared to Stream connectivity.

That connectivity, think of WiFi on steroids; connects the Notary to literally everything. ID is now merely touching the client – for instant DNA analysis and identity confirmation. That last minute change to the vesting on the Deed prints automatically; the data Stream knows all. Gone are the text messages and phone calls. The Stream selects the nearest Notary, and with GPS like precision directs them where needed. No wait for pay, enhanced PayPal got ya covered.

While the archaic institutions still require paper, an advance copy of the completed loan documents is sent via the Stream. The notarization proceeds via shared image and mental document signing, but the old world “face to face” propinquity requirement remains. The Stream replaces the scan and email of days gone by – now powered by mental energy. The Notary printer still has to produce the paperwork, signed, stamped, and embossed as usual. Perhaps in a few more eons the recorders at county clerk offices will trust the Stream and not require paper.

I had said the Notary was free from trivial aspects of our current human existence. However, humanity will retain brain functions. Our future Notary will not be devoid of compassion, empathy or the desire to excel. Those traits, inherited from the days when notaries were among the first “public officials” must remain. Nurture those traits within yourself, have them grow.

I saved getting adequate work for last. The virus of cattle call entities will have consumed themselves in a death spiral of greed and deceit long ago; probably in “our” time. In our future I see a “balanced” world. In that world, as we are human; we have both a right and a duty to exist. Natural selection will create an optimal quantity of the highly specialized entity known as the Notary. We can prepare now for the future by passing on to the next generation the values we hold dear. We cannot rely on external forces, evolution or technology to pass along integrity. The Notary of the future must inherit those traits from us. Each of us, after thousands of generations will be a part of each Notary of the Future, are your actions worthy of being passed on?

.

You might also like:

Psych Notary Episode
http://blog.123notary.com/?p=19397

Best Virtual Comedy Compilation Updated 2018
http://blog.123notary.com/?p=17693

Power of Attorney of the Future
http://blog.123notary.com/?p=18948

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February 25, 2017

When did Notary Cafe become decaffeinated?

Filed under: Popular on Twitter,Signing Company Gossip — Tags: — admin @ 9:56 pm

Notary Cafe has been around for a long time. They are also renowned for quality. They have some of the best Notaries around. It is just that they have so few Notary profiles available to the public and so few people searching on their site. We recommend Notary Cafe, but don’t expect miracle results from them.

Notary Cafe used to be more popular ten or more years ago. But, they lost their buzz or as I like to say, became decaffeinated. But, decaf still has 40% of the caffeine as regular coffee, so they are still in the running so to speak. Just don’t add too much cream or sugar.

Meanwhile with the advent of SnapDocs, all of the other Notary directories lost a lot of traffic. 123notary’s mobile page reprogramming is helping us to regain market share quickly, so wish us well with that. It affects you!

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You might also like:

How does pricing for for top placements on 123notary?
http://blog.123notary.com/?p=19355

Snapdocs business model doesn’t add up
http://blog.123notary.com/?p=19290

Which directories get high paying listings?
http://blog.123notary.com/?p=19201

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

Notary Rotary’s forum vs. 123notary’s
http://blog.123notary.com/?p=1251

A tour of Notary cafe reveals that business is slow based on job stats.
http://blog.123notary.com/?p=21222

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February 19, 2017

Need an NNA Alternative?

NNA is a very reliable and quality organization that has been helping Notaries with education, supplies, background checking, and a world-class technical hotline for years. We at 123notary recommend them highly. However, their fees can be a bit high for some budgets, and you are probably thinking of alternatives for your Notary needs. Some claim that NNA has gotten too big, and is no longer the optimal source for Notaries to rely on. I refrain from having a personal opinion on this matter, although I would say that you should analyze your various Notary needs, and find the ideal source for each need rather than relying on one-stop shopping unless you feel that one-stop shopping makes more sense. So, here are the alternatives.

Signing Agent Education
(1) 123notary offers good loan signing combos with solid marketing advice and the convenience of take home course in printable, online, or take home book.
(2) We recommend Notary2Pro if you want thorough training and hand holding. they train their Notaries better than anyone else. Their courses are not as affordable as 123notary’s and do not have the marketing expertise that 123notary does, but they excel at nuts and bolts technical training.

Background Checks
NNA and Sterling are the two acceptable names for background checks. So, if you want an alternative to NNA, try Sterling.

Directories
SigningAgent.com used to deliver more jobs to Notaries than it does now. Over the last six years it has gone down hill from what I’ve heard.
(1) 123notary is a good source for high paying notary work
(2) SnapDocs is a good source for low-ball signing work for beginners
(3) NotaryRotary is the runner up for a mix of signing agent work ranging from top-notch to low-ball.

E&O Insurance
Notary Rotary and other organizations also sell Notary E&O insurance. Not sure who has better prices, but you can shop around.

Supplies
There are various companies around the nation that offer supplies, Notary Rotary being one of them. Personally, I always relied on NNA as my sole destination for thumbprinters, acknowledgment pads, carry-all bags, and anything else I needed.

Summary
NNA seems to be the best destination for one-stop Notary shopping. However, the alternatives might offer better prices and in some cases better quality especially for signing agent education, background screening, and directory marketing. However, for E&O and supplies they would be my first choice. I am not here to make your decision for where you should go for what. But, compare the competition for each type of items or services that you need, perhaps try each option out, and then optimize your decision making skills!

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You might also like:

For Background Checks, NNA & Sterling come highly recommended
http://blog.123notary.com/?p=18835

A comprehensive guide to Notary organizations
http://blog.123notary.com/?p=17088

Notary Marketing 102 – a free course
http://blog.123notary.com/?p=19774

Index of information about documents
http://blog.123notary.com/?p=20258

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February 14, 2017

TRID Information courtesy of Carmen

Filed under: (4) Documents,Popular on Twitter,Popular Overall — Tags: — admin @ 12:48 am

So what is TRID?
It is ‘TILA/RESPA Integrated Disclosure’ rule, also known as TRID. Since this rule is designed to help borrowers understand the terms of their home financing transaction, there is a trend to start referring to this rule as the Know Before You Owe rule instead of TRID. The Know Before You Owe rule took effect October 3, 2015. Follow link below to see and print out forms,

http://www.consumerfinance.gov/know-before-you-owe/

What it means for the borrowers?

When the borrower starts first shopping various lenders for a loan they receive a ‘loan estimate’ (they can receive many of these to compare lenders). Once they make a decision and choose the lender they then they will receive a ‘closing disclousure’ 3 days in advance for review. It all the terms are agreeable and no changes need to be made, after the 3rd day docs can be drawn.

A new Closing disclosure has taken the place of the TIL (Truth and Lending) and The HUD (Settlement statement). This new disclosure has everything regarding the borrowers loan. Please refer to attached sample. The borrower is supposed to receive the Closing Disclourse (or Cd as we have named it) within 3 days of the docs being drawn. This is mandatory. There is now no surprises at the signing table. Keep in mind some title and escrow companies still use a HUD-1 in conjunction with the new CD. I have noticed this with purchases.

What this means for the notary signing agent? For us this means less delays in getting the documents and less questions at the table. The borrower is now already aware of the numbers and terms. The signings go much faster.

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You might also like:

Ken’s tips for the closing disclosure
http://blog.123notary.com/?p=17116

The closing disclosure itemized
http://blog.123notary.com/?p=16217

Index of information about documents
http://blog.123notary.com/?p=20258

The 30 point course – a free loan signing course
http://blog.123notary.com/?p=14233

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February 13, 2017

Ideas for 24 hour Notary services

Filed under: Advertising,Popular on Twitter — admin @ 7:24 am

Naming your business is never easy. But, here are some ideas of how to name a late-night notary service.

Moonlight Notary might be a good name for someone 24/7.

Nocturne Mobile Notary — a classical approach to late night notarizations!
Ninja Late Night Notary Services
The Signing Owl
Orion’s Belt 24 Hour Notary Service
Vampire Notary Service — we answer the phone, “Good evening…..(heavy breathing)”
Around the Clock Mobile Notary
Twilight Notary Services
Sun & Moon Notary Services
Day & Night Mobile Notary
Last Minute Mobile Notary
Minute-Man 24 Hour Notary Services
Out The Door 24 Hour Notary Services
Good Evening Notary Services
Dusk to Dawn Signing Services
John Hancock 24 Hour Signing Services
Owl Mobile Notary Services
Half-Moon Mobile Notary
Crescent Moon Mobile Notary
Up All Night Mobile Notary
NiteLite Mobile Notary
Gas Lamp 24 Hour Mobile Notary — classy
Night Watchman Mobile Notary — 1 O’clock and all is well.
Night Sky Mobile Notary
Nocturnal Mobile Notary
Sunset Mobile Notary
Nightfall Mobile Notary
Sleepwalker Mobile Notary
Dream 24 Hour Notary Service

Names to avoid
Clair de Lune Notary
Moonlight Sonata Notary
Opus 27 Mobile Notary — Opus 27 = the moonlight sonata. I’m sure your customers will know that by heart if they hang out with my parents.
Hoo-Hoo Late Night Services
Howl of the wolf late night notary services
Mayan Mobile Notary — We’ll keep Notarizing until the end of the world!
Mayan Notary Services — We’ll notarize you then sacrifice you! But, not necessarily in that order.
Lunar Mobile Notary — We based our appointments on the lunar calendar.
Looney Mobile Notary – Get looney with us and your signatures.
Slumber Party Mobile Notary
Snooze Mobile Notary
Brass Candle Holder Mobile Notary
Geisha Notary Services — Notary service and traditional entertainment
Night Life Mobile Notary
Nighty-Night Mobile Notary
Waxing & Waning Mobile Notary and spa services
Lunar Eclipse Mobile Notary
In The Dark Mobile Notary — we’ll notarize you, but you won’t know what you’re signing (or paying.)
Incessant Mobile Notary
Phantom Mobile Notary — make sure your ghost has ID

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Compilation of posts about Snapdocs
http://blog.123notary.com/?p=21531

Names for Notaries to name their children
http://blog.123notary.com/?p=21044

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

Geographic Notary Business Names
http://blog.123notary.com/?p=19060

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February 12, 2017

Racial issues at a signing

Filed under: Drama & Tragedy,Popular on Twitter — admin @ 9:36 pm

Shelly went to a Notary signing. The minute she arrived, she could feel extreme tension. The husband was listed as an entity on the loan application, but the wife was the one taking command. Shelly was (and still is) white, and the couple was black. I’ve done hundreds of signings in black homes and without issue — however, those signings were done before people had a reaction to Donald Trump’s political presence.

Racism was at an all-time low from around 1997 to mid 2015. And then it started up again. There were more protests, riots, clash between minorities and police, the Black Lives Matter movement, etc. But, during the last few months of 2016 it turned violent. I witnessed people being beaten in the street over race — strangers beating strangers with no provocation. Can we blame Donald Trump for this insanity? After all, he has done nothing to anyone (yet) and was only speaking his mind in his own non-sugar coated way.

The husband and wife started going through the Loan Estimate. They went through every fact and figure with a fine toothed comb because they had prejudged that something must be wrong and that everybody was out to get them including the Notary, Lender, Donald Trump, Title, Escrow, and Sam down at the butcher shop (I made the last part up.) They were basically trying to confirm their baseless suspicions by finding something wrong with the paperwork.

When the Notary tried to smooth things over, the couple called the Loan Officer and commented about how terrible the Notary was. The Loan Officer failed to return the Notary’s calls but called the party that hired them for the loan (whomever that was.) The Notary’s reputation had been slandered, tarnished, and she didn’t want to lose her client. Shelly’s reputation was on the line here for a crime she didn’t commit. Was racism to blame?

Shelly comments that if people are negative about the process from the getgo, they will create problems that weren’t there in the first place. Too true Shelly. I agree completely. But, the main thing is to stay out of the loan. The loan is not your business. It is not up to the Notary to determine if there is something wrong with the loan. You just make sure they sign where they are supposed to and notarize the signatures.

Shelly has signed hundreds of loans for people of all communities in her area and treats people equally. It looks like she was not treated equally in return this time.

The moral of the story is, if you walk into a tense situation as a Notary — just do your job and don’t make comments. Be neutral. It’s not your problem. If someone fires you for reasons beyond your control, just state your side of the story and it is their loss if they lose you because you are a good Notary who did nothing wrong and has a 99.9% accuracy rate (or so you claim.)

You might also like:

Black Notaries vs. White Notaries — comedy edition
http://blog.123notary.com/?p=17455

Demographics in the Mobile Notary business
http://blog.123notary.com/?p=15359

I’d rather stop being a Notary than carry a gun
http://blog.123notary.com/?p=15896

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February 11, 2017

SnapDocs — thumbs up or thumbs down?

Filed under: Popular on Linked In,Popular on Twitter,Signing Company Gossip — Tags: — admin @ 10:29 pm

Notaries who use SnapDocs not only get a ton of ratings from people who used them, but the ratings are anonymous. You wonder if the ratings are even based on reality — because they can say anything! One lady on NR was furious that she only got a 77%. I have no idea, is that good?

Your entire reputation is controlled by God knows who and with information that is not even necessarily even correct or given using integrity. Additionally, you don’t know WHY you got a thumbs down. Was it because your fee was too high? Was it because you didn’t answer your phone or email fast enough or because of a scheduling issue? You’ll never find out!

But, what about the Notaries? If something goes wrong it is automatically the Notary’s fault. The Notary is penalized on SnapDocs, but not the client.

The fact is that SnapDocs clients pay them big bucks to use this convenient and automated system that performs all sorts of automated functions for them. That is excellent and I commend them for that. However, they do not seem to care about the common Notary!

Maybe I should learn from all this and design some functions into 123notary to be for the benefit of the Notary! Notaries need someone to defend them, and the forum is great, but not enough! Maybe there’s another way.

In the meantime, SnapDocs gets a thumbs up for quantity of work. However due to the quantity of endless complaints from Notaries about their service, I wonder why Notaries who have any experience at all are willing to put up with this kind of headache…

You might also like:

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

SnapDocs — I felt like I was being used!
http://blog.123notary.com/?p=18852

A comprehensive guide to Notary organizations
http://blog.123notary.com/?p=17088

Who is involved with 123notary behind the scenes?
http://blog.123notary.com/?p=18888

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January 29, 2017

Black vs. White Notaries = benign, but the comments were hateful

I live in a multi-racial neighborhood. We have Hindus, Muslims, Jews, Buddhists, and even a few Christians (when we allow them to come in). We have black, white, yellow, brown, red, and even a few green people who fly in from time to time when their spaceship breaks down.

People on TV can joke about race. Eddie Griffin does so unashamably, so does Eddie Murphy, and a few other Eddies. How come they can exercise their freedom of speech without a hateful backlash? Have you ever thought about the double standard I am talking about here? I joke about everything. I value my freedom of speech too. But, the commentary to my Black Notaries vs. White Notaries was just hateful considering my blog entry was gentle and not demeaning to anyone. We (my comedy writer & I) joked about the same things black comedians joke about. Do I have to get a race change and be a Michael Jackson in reverse to have cultural permission to do the same thing?

The reality of the race situation is that law enforcement and young black males are having a prolonged and unofficial civil war. This is more than unpleasant. It is dangerous for all of us all even though most of us are bystanders. I have read that many higher level rabble rousers are arranging for more violent riots. Violence and hateful commentary on my blog doesn’t solve anything — it just creates more tension and more problems. Perhaps these hostile comments I received reflect the very attitude why we are having a serious problem with race in America. America practices racism, accuses everybody in sight of being racist, yet we lack the ability to have an open and honest discussion about race, culture, or just tell a few jokes.

Some Americans get almost violent when you bring up particular topics. This attitude is a direct threat to our freedom of expression which our forefathers risked or gave their lives for. If you react so violently to harmless jokes, perhaps that is a reflection of your own inability to accept America’s racial situation for what it is. We are forced to live in it daily, but culturally prevented from saying anything open about it. Should you send ABC or the New York Times hate mail every time they publish a piece on race?

It is amazing that a blog article so harmless got such a hateful response. I think that some of you need to take a closer look at yourselves. On the brighter side, that post was one of our most popular comedy posts ever, and people referred it to their friends since they were so shocked. The bottom line is that I can joke about whatever I like, and you can be polite about it — can you dig it?

Please also see:

Black Notaries vs. White Notaries — comedy edition
http://blog.123notary.com/?p=17455

Comedy Central Notary Roast
http://blog.123notary.com/?p=17462

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