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June 9, 2019

Legalshield information from Malka

Filed under: Other Guest Bloggers — admin @ 10:47 pm

How would you like to make overtime money without working overtime? Working for corporate isn’t what is use to be. Consider this, how long would it take you to advance to the top of your company? How long would it take you to receive a bonus? Do you find yourself working 50 hours plus and still living from paycheck to paycheck? Work when you want, your in control of your time!
Come join ment our next Business Briefing.
Call: (619) 371-8067 Malka

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May 10, 2019

Lessons Learned from 10+ Years in Investment Banking and How I Used That to Start My Notary Services Business

Filed under: Other Guest Bloggers — admin @ 9:25 pm

Lessons Learned from 10+ Years in Investment Banking and How I Used That to Start My Notary Services Business.

Working at a prestigious investment bank in the mortgage sector seemed to be the role that I would continue with until retirement. That’s the way it was in that industry, each role was extremely competitive and once you finally received a full-time job at a well- known firm, it all seemed to be smooth sailing after that. We had used mobile notaries all of the time at my role with the bank and it never even crossed my mind that I’d end up running my own business in this space.

After 12 years with the bank, I felt that I had accomplished all that I had wanted to and that it was time for a new challenge. It wasn’t until I had my own bad experience with a mobile notary that I realized that I can definitely improve upon that and that no customer should feel that rushed/stressed out in an already difficult situation. After completing a refinance on my home, we had a notary come to help with the closing documents. The best ways to describe the experience would be disorganized, rushed, and overall just frustrating. That was when it clicked – I’ve seen this before time and time again from other mobile notaries.

I did the research and learned exactly what I would need to do to start my own business and obtain the proper licensing in the notary services field. It wasn’t easy to leave such a safe job and at such a prestigious firm, but I knew I could greatly add value to the customers I would work with and I would guarantee that none of my notary services clients would ever get that awful experience I had seen time and time again.

What are some of the main lessons that I took away and have helped me continue to grow my mobile notary firm here in the Phoenix, AZ area? First of all, I saw the stress and the anxiety that went into the moments that mobile notaries were needed. These major milestones should not be treated lightly. When done correctly and when treating clients with patience and the respect that they deserve, it’s an amazing experience to be a part of putting their minds at ease. To be a part of that excitement when someone purchases their first home and need to finalize all of the documents to the difficult times when someone needs to notarize a medical power of attorney for a loved one. It is our responsibility to be professional and caring. I see this as the most important principle, and this is what continues to lead my business to be able to help add value in more people’s lives.

Secondly, I saw the importance of being precise and timely in the notary services field.
The difference between a successful and unsuccessful house closing or refinancing can come down to issues with the paperwork at the last minute. It is a notary’s key role to be able to prevent fraud and other issues that may come up as an added layer of security for both parties involved in a transaction. In a world where scammers and fraud run rampant, adding in an unbiased third party can be a huge value add to the whole process of various legal documentation signings.

Finally, and this lesson learned applied to every job and role that I’ve had at various companies – go above and beyond for your clients or your colleagues and you will see that level of trust and respect pay off throughout your career. One of the main reasons why I run my business with the flexibility to work on weekends and other hours that the competition will not is that I know that unexpected issues always come up and it’s my duty to be there for my clients when they need me. It’s not uncommon to have to drop everything I’m working on and rush over to help a client out with their loan signing needs, as they’ve come to expect that level of service from my business.

Although it was intimidating at first and doubts came up, leaving the investment banking world behind was one of the best decisions that I’ve made in my life. Instead of being bound by processes and procedures, I now have the flexibility and freedom to run my business the way that I know offers the most value to my clients. Leveraging the 12+ years of experiencing in the mortgage field really helped me see the huge opportunity that there was in the notary services space and I’m excited to continue to grow my business and help those in the Phoenix area.

Shannon Winter is the Owner of Shannon’s Notary Services
(https://shannonsnotaryservices.comhttps://shannonsnotaryservices.comhttps://shannonsnotaryservices.com/) and helps clients in the Phoenix metro area with all of their loan signing needs.

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May 2, 2019

How to choose a malpractice lawyer?

Filed under: Other Guest Bloggers — admin @ 8:33 am

How to choose a malpractice lawyer?
Ever wondered that you could run into danger even after hiring a lawyer? Yes, this does happen. Sometimes lawyers make mistakes which have serious repercussions for the clients. This scenario is acknowledged as malpractice. In medical terminologies, malpractice is defined as an issue that is caused by a doctor’s or medical staff’s negligence to the patient. It could be a simple mistake causing great damage to somebody’s brain and even death.

What is legal malpractice?
Legal malpractice is defined as the damage caused to the client in the pursuit of a lawyer lending his/her legal services. A very basic example of a mistake is a lawyer missing out on filing papers in the court. However, malpractice is not just limited to simple mistakes; it could also be inclusive of the breach of contract by the lawyer who has been appointed by the client.

How to choose a malpractice lawyer?
Choosing a malpractice lawyer becomes imperative when major damage has been done. However, it is better if you choose one who has sound reviews. Let’s go through some of the simple steps to locate a malpractice lawyer:

Consult your current lawyer
If you are already working with a lawyer on a different case then always ask for a referral. People who are in this profession will be better in guiding you through the process. In case a friend or a family member has pursued a malpractice case in the past then that’s the best hand for you.

Consult legal sites
Go for registered and verified sites. Search engines do help but can also make one run in trouble in case a fraudulent website is consulted. You can consult Seattle malpractice lawyers for top-notch services in this segment. In case you are skeptical about a website then immediately take it down from your list.

Don’t forget to contact the legal bar association of the state
Instead of hovering over the entire country, look for the legal association in your state. Just as contacting the head office is better than contacting a franchise, registering a call in the official department is wiser instead of contacting many firms in the business. The state department will be able to tell you about the people who are legally registered to help you.

Always look at the portfolio
Don’t make a choice imminently. You already wasted a lot of money in bagging a faulty lawyer in the past. This time it’s important that you go through the work history of the prospective lawyer or the firm. Don’t overlook customer reviews if you’re going through the official website.

Interview the prospective lawyer
You can easily judge your lawyer by having a one to one conversation with him. You can easily judge if he’s here to help or just to looking forward to shredding lots of money from your pocket. Talk about your case and ask the person for previous work experience.

Make an Agreement with the lawyer
Everything written in the note will always be a good reference. Don’t commit anything verbally. You don’t know how time will take to you forward. It is better to write everything down in the agreement. Don’t keep any bit of skepticism in mind and ask everything.

Sign the contract
Be confident and move on. Sign the contract after reading everything that has been typed. Make sure that fee and everything have been jotted down with much clarity.

Lastly!
We hope that you get a suitable malpractice lawyer this time. The only thing is that some wise decisions need to be made in terms of getting back with the legal procedures.

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April 26, 2019

5 Benefits Of Notarizing Your Business Documents

Filed under: Other Guest Bloggers — admin @ 4:25 am

The government does trust the notary public, so their signature or seal is a valid sign of document reliability. Below are a few reasons why you need to have a notary public present when you are signing your essential business documents:

Your contracts become ‘self-authenticating.’
Under the Federal Rules of Evidence, a contract with a notary public’s seal is considered to be self-authenticated; meaning that in the case of a case, the witnesses who signed the documents need not appear in court to verify their signatures. This saves plenty of time, money and acts as a huge convenience in the witnesses favor.

They ensure that your documents are signed under the right circumstances
Technically, the notary public notarizes your signature, not the documents themselves. They are reliable witnesses to the fact that the person whose signature is on the document in question is indeed the one who signed it. They also ensure that the person who signed it was of sound mind and not under any duress. Again, the notary public has to ensure that the witnesses who sign your documents are within the legal right to do so.

Notarization provides clarity
There are many legal documents now that stipulate the way people go about their lives. A Power of attorney is required by a grandchild to make significant, life-altering decisions for their ailing grandparent, or title deeds to transfer ownership of land. With a notary public’s signature, these documents’ validity can be ascertained to avoid grey areas that cause conflicts.

Notaries ensure that the documents in question are adequately executed
All legally binding documents hold the signer to a commitment, and one of the notary public’s duties is to ensure that the signer fully acknowledges the agreements and obligations. For instance, for a will to be valid, it needs to include the signature of the testator, and those of two witnesses, plus a QLD probate process to facilitate execution. Yet, some states will require that a will be notarized for it to be valid. Again, if disputes are litigated, it is crucial to have a notary present. A court considers sworn affidavits as valid if they are notarized.

Protects you from fraud, identity theft, and other kinds of crimes
Having a notary public present during the signing of your documents provides you with the safest possible fallback plan, if not a prevention plan in the case of forgery and other serious white collar crimes. In this age of technology and sophisticated forgery schemes, you cannot go wrong by having your documents notarized. Notarization is now a major risk management tool for all kinds of businesses.

Conclusion:
Many people avoid notarization services because they are an added expense and may take time. However, with e-notarization, you get quick and more convenient services to keep your business documents risk-free.

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April 1, 2019

Why Is It Worthwhile to Notarize a Will?

Filed under: Other Guest Bloggers — Tags: — admin @ 8:16 am

Why Is It Worthwhile to Notarize a Will?
Notarization is also known as notarial acts. This is a three party process conducted by a notary public which includes record keeping, vetting and certifying. This is the official procedure taken to prevent fraud and also assure parties in the transaction that the document, in this case, the will being notarized is authentic. Not only the will but banking transactions documents should be notarized too.

By signing a will, one specifies how they want their property distributed after their death. This process is called probate. Whereas some states do not necessarily require notarization of wills, notarizing a will might speed up the probate speed. The question you and I might be having is, why is it worthwhile to notarize a will? Let us explore.

In most countries, a notary is carried out by a notary public who in this case acts as an eyewitness in discharging restrictive fraud activities connected to your will. There is also an act that governs such duties. He can direct oaths and witness swearing by deponents for affidavits. It is also believed that a notary can also act as an arbitrator.

Who Is Supposed To Notarize?
Notarization can be conducted by a practicing lawyer who has experience of at least 7 to 10 years. Also, an individual who has served as a judicial service member or has served under central or state government and whose position required specialized knowledge of the law is also qualified to become a notary.

Benefits of Notarizing a Will
Prevents future frauds and identity theft
George Sink urges that a notarized will help to verify that you are the one signing your will. This will help you, the owner from future frauds or identity theft in such a way that no one else can present or produce a forged will.

Notarizing your will prevents the owner from unpredictable fraud cases. This is because regardless of what the other party produces, your notarized will affirms you as the sole owner and that, can never be challenged.

Notarizing your will furthermore affirm to the fact that all the signatories are real and authentic. It also shows that genuine people signed them and that the will itself is not fabricated.

Helps Protect the rights of the will
A notarized will which has been fully certified by a notary public also aids in protecting the rights of the will. Furthermore, to avoid further and possible court proceedings, it is rather advisable for individuals to notarize their will.

Prevent court rejections
In some cases, notarizing a will is mandatory. Some lawyers argue that if you do not notarize your will, its validity in future might be questioned which might even lead to court rejections, in case there is a case and your will has to be produced. To avoid all this unfolding saga, it is advisable to notarize wills early enough.

The signatories do not necessarily have to testify in court
Another reason why notarizing your will is worthwhile is the fact that the signatories do not necessarily have to testify in court to authenticate their signatures. This saves a lot of money and time from both parties. Notarizing your will, therefore, serve as an enormous strategic advantage in the lawsuit.

Conclusion
We have discussed throughout the article what notarization is, who executes it and why is it a suitable procedure. All we can say is that notarizing your will is just a formality that should be implemented when signing your will. A notarized will assures the legal authenticity of an individual’s signature and identity whereas without doing so, a person cannot claim ownership of that particular will; therefore, notarization of a will is crucial.

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November 21, 2018

12 questions to ask for hospital notarizations

SAFETY TIPS AND 12 QUESTIONS TO ASK FOR HOSPITAL NOTARIZATIONS:
I get calls frequently for Notarizations in Jails and Hospitals.
This blog will focus on things you must do to protect yourself from lawsuits and damages when you get a desperate call to go out to a hospital to notarize documents to be signed by a patient, moistly a Power of Attorney. The phone call invariably comes from the child who has a parent admitted to the hospital.
What do you do as the Notary when the person calling says they will pay you whatever you charge as your mobile fee? Remember Rule #1: It is not always about the money. It is about your ability to follow the Notary laws and perform your job without taking short cuts.
The following list of questions is a short summary of the steps I have actually taken when I got such a call.

1. What is your relationship to the patient?
2. Do you have any other siblings or relatives who have a beneficial interest in the transaction?
3. Is the patient conscious? Coherent? On any medication?
4. Does the patient have a current valid ID with him or can you make it available when the notary arrives at the hospital?
5. Is the patient able to sign his name without any help?
6. Does the patient speak English and can he understand and answer simple questions coherently?
7. Does the patient have an attending physician and a Nurse assigned to him?
8. Do you have the number to the attending physician and nurse because I need to talk to them to get an accurate idea of the health and overall condition of the patient?
9. When can I talk to the patient directly by phone with a nurse present in the room?
10. What type of document are you having notarized?
11. What dates and times work for the patient?
12. My mobile fees are _____ and $15/signature notarized. After I get there if I make the determination that the person is unable to understand anything I ask him or is being forced to sign, I will not be able to notarize the document but will still charge you my mobile fee for coming out based on your representations over the phone. Are you okay with that because I don’t want to get into any arguments after I get there?

Believe me there has been more than one occasion I can recall where I had to leave without notarizing a document because the patient was unable to understand anything I asked, was incoherent and simply could not sign or even hold a pen to just mark an “X”. It is better to walk away from a Notarization where you know instinctively that it is wrong because the signer is not aware of what he is signing and inevitably you will end up being a party to a litigation by interested parties who believe that the Notary failed to take into account the coherence and soundness of mind of the signer at the time of the Notarization. This would invalidate your notarization and worse yet force you to pay legal expenses to defend yourself. Is it worth it? Absolutely not!

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When to ask for ID over the phone & fees at the door
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A tale of four notaries at hospitals
http://blog.123notary.com/?p=463

Hospital Notary jobs from A to Z
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August 25, 2018

Michael Cohen and the Notary

Filed under: Other Guest Bloggers — Tags: — admin @ 11:11 am

The following is a phone call between Michael Cohen and a possible notary:

Notary: Thank you for calling D.C. Notary Service, how can I help you?

Cohen: Hi, uh, I need a notary, to uh, sign something…

Notary: Well you’ve come to the right place, notaries sign stuff. Can I ask what part of D.C. you’re calling from?

Cohen: The White House–uh I mean, uh MY house! In D.C….

Notary: (Pause) Okay, well what part of D.C. do you live in?

Cohen: In the Downtown area…Near Pennsylvania…(beat) I mean, I can’t hear what you’re saying-a?

Notary: (beat) Alright, we have an office near Pennsylvania. I could give you that address and phone number, if you’d like?

Cohen: Okay, yeah, but do you typically deal with high level clients?

Notary: I’m not at liberty to say…

Cohen: Well, I need someone who can work with highly important officials, like you know, important people…Like Presidents… OF COMPANIES!! Not like the President of the United States or anything!..

Notary: Right… We can handle larger documents.

Cohen: Great. My client will be just peachy to hear this.

Notary: Don’t you mean orangy! Haha.

Cohen: Excuse me?

Notary: The client, it’s Trump isn’t it?

Cohen: How did you know?!

Notary: Attorney-Client Privilege isn’t your strong suit…I mean, you gave away every hint…

Cohen: (nervously) Hey, I know the law! I understand what that client-attorney privilg-y thing is…But quick question, can you forge some signatures? The President doesn’t want the porn start to actually sign–

Notary: (Hangs up).

Cohen: Hmm, that’s the third one…Wonder what I’m doing wrong.

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August 5, 2018

An Ode to Notaries

Filed under: Other Guest Bloggers — Tags: — admin @ 11:14 am

An Ode to Notaries

O, a debt of thanks we do owe,
to those who hold title notary,
for signing our papers without woa,
for helping us do things legally.

Signing and stamping, all to certify,
The authenticity of the paper,
Making sure that we do not lie,
That we truly are their author.

You take and legalize our affidavit,
For the government will only trust your mark,
So stamp away with your whatchamacallit,
We need these papers signed before dark!

Now, move along and hurry,
We called you here, but now you must scurry!

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May 7, 2018

Caught DWI? Here’s the truth

Filed under: Other Guest Bloggers — Tags: — admin @ 7:41 pm

Caught DWI? Here’s the truth

DWI is full of myths and exaggerations. It’s almost as if it were a misunderstood story, and mostly because it’s a common charge. We know you want to know the real truth, so that’s why we’re prepared some dwi facts for you.

You can still be charged with DWI even if you haven’t had a drink

Driving While Intoxicated means alcohol – that’s what most people think. They imagine a person who cannot talk and stumble because it’s drunk from too many drinks. Truth be told, you can be charged with DWI is valid when it comes to the drugs in your system, illegal or not, prescription, over-the-counter kind of medicine or a combination between illicit drugs and prescription. In this case, make sure you do not make any admissions or statements. Give your license and insurance to the police, but decline politely to answer the questions – tell them you will not answer any question without first speaking to a lawyer.

The police cannot force you to take a sobriety test

Not many people know about this. Some have heard the truth, it’s one of the fundamental mistakes. They cannot force you to do it, so don’t do it. In this case, you can politely decline to do the field sobriety test.

You can get charged with DWI in any vehicle, even a golf cart…

…or tractor, or a four-wheeler. For instance, in Texas, a “motor vehicle” is a device in, on or by which someone can be transported on a highway. Trains are not in this category. This leaves out a lot of motorized vehicles, actually. But if you’re caught, the same DWI rules will apply just they would if you were driving a car.

You don’t actually know how intoxicated you are

Your judgement is the first thing that is going to be affected after you’ve consumed alcohol. Sure, you know what your tolerance is, but the state can and will prosecute you even if you act and look normal. They can prove what the blood alcohol concentration is. To be sure, get a portable Blood Alcohol Calculator.

Those Americans who are charged with DWI or DUI cannot enter Canada without special permission

Most of the people are shocked to find out they’re not going to enter Canada after they’ve been charged with DWI or DUI or even other alcohol-related matter. There’s one way, though, to do this, and that is to apply for a Temporary Resident Permit (or TRP) or Criminal Rehabilitation.

You can get your driver’s license suspended twice

In Texas, many people charged with DWI are facing 2 driver’s license suspensions. One has to do with the breath or blood test and the other one if convicted of a DWI. If you refuse to give a specimen of breath of blood, your driver’s license will be suspended for 180 days; if the specimen is over the limit – 90 days; if you’re getting sentenced for DWI – 2 years.

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April 29, 2018

Do I need $1 million (E&O) insurance to get more Notary business?

Do I need $100,000 or $1 million in Errors & Omission (E&O) insurance to get more Notary business?
It is not uncommon for some companies to require that a Notary have more than the standard amount of E&O Insurance. There is no state mandated minimum for E&O unlike a Notary Bond where the law requires every Notary to file an official bond for $15,000 which is designed to pay limited claims against the Notary Public.

But please make no mistake. All Notaries must carry some form of E&O insurance to protect themselves from unintentional errors and omissions they make. Of course, E&O policies will not cover fraudulent acts or intentional errors. Without E&O Insurance, you will have to pay for the cost of the judgment or settlement and your own legal expenses. The financial impact can force a Notary to renounce his/her Notary commission and possibly even declare bankruptcy depending upon then severity of the error.

The high coverage of an E&O policy is based on the false perception that the companies would get a better class of Notary or that they are protected from any and all errors made by the Notary. This is farthest from the truth. I have more than 20 years of experience being a Notary and have never increased my E&O Insurance above the standard amount of $15,000/- primarily for 2 reasons. First, the number of companies requiring $100,000 or even $1 million in E&O Insurance are few and far between and the number of jobs that a Notary gets does not make up for the increased premium for the additional coverage. Second, the E&O policy only covers clerical errors and does not cover any fraudulent acts committed by the Notary. As a matter of practice, I double and sometimes triple check my work and am always cautious of the people who appear before me for a notarization. More importantly, I never do anything that even has the appearance of a scam or fraud. I have no intention of being someone’s boyfriend with no escape clause!!

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The 30 point course – beneficial interest and E&O Insurance
http://blog.123notary.com/?p=14532

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Help, I’m being sued, and E&O insurance won’t help!
http://blog.123notary.com/?p=3570

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