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April 6, 2019

Testimonial from Suzanne Nolan

Filed under: General Stories — admin @ 10:04 am

Thanks Jeremy. No other notary signing companies provide information like you do to it’s group. 123Notary is far above the best! No one has or does what you do for your notaries. I just wanted to thank you!! Glad to be associated with you and on your list. It has provided me with a great extra income for a lot of years but now the sharks are out cutting fees to us to fill their pockets!!


April 4, 2019

What is the significance of a complaint?

Filed under: General Stories — admin @ 10:29 am

I was having a discussion with Carmen today. Carmen sees that a complaint from a Notary is a huge problem. I explained to Carmen that a complaint is only as valuable as the person it came from.

I got a recommendation from a food critic about which restaurants are good. I went to those restaurants and when I ordered the prescribed dishes I found them to be good. When I diverged from the recommended dishes, it was hit or miss. But, I got some food recommendations from some regular white people about Chinese and Mexican food. “Oh, this is great Chinese food, I always go there.” I learned that the minute a non-connoisseur give me culinary advice, it rarely turns out good. the Mexican food was some of the worst I’ve ever had. Ironically the best Mex I’ve had was in a Navajo area. Hmmm. Part of the good part was the green chili which is indiginous to the area.

A complaint from a title company is serious. Title companies are our bread and butter. They hire Notaries from our site. If they stopped hiring our notaries, the notaries would stop hiring us.

A complaint from a high quality notary is something I would take seriously. A high quality notary attracts good title companies to our site.

But, a complaint from a Notary who is an “F” student is scaring good companies away from using our site. Whatever they are upset about is probably that I apply standards to them, and “F” students cannot stand standards because they know they will not measure up. If we catered only to “F” students on 123notary, we would attract those types of people who have bad attitudes and like to complain, yet do not attract quality users to the site. Therefore I prefer to focus on catering to those whose patronage represents our business model — one of quality Notaries and quality users.


April 2, 2019

Many people who hire notaries don’t think about quality = dangerous

Filed under: General Stories — admin @ 10:00 am

Many people who hire Notaries don’t know anything about the dangers of an uninformed Notary. A careless Notary can ruin appointments by not confirming properly. They can fill in notary forms wrong. They can omit Oaths, or get into other peril by not knowing how to handle situations.

123notary puts a lot of effort into breeding Notaries into being the best that they can be with Notary Public 101 on the blog. However, those that hire Notaries typically don’t know the difference. This is dangerous and can result in a lot of trouble. When you hire Notaries, trouble doesn’t come all at once. It might not come for a while. But, if the notary identifies someone incorrectly and that comes back to you, it could be catastrophic. If Notary doesn’t drop the package in a timely manner, that is also a potential huge problem.

Just because those hiring you don’t know the difference doesn’t mean that you should not care about being a good Notary. The danger of being a careless and sloppy notary is not only for the borrower and the client, but also for the Notary. You can get in all types of trouble. So play it safe and keep studying your notary law, how to handle situations and your documents. Your few hours of study will make you look a lot more professional for the rest of your career.


April 1, 2019

Happy April Fool’s Day and Don’t let it go to your head

Filed under: General Stories — admin @ 3:10 am

A patient went to see his doctor as he had a terrible cramp in his leg. The doctor took a scan of the problem and showed the patient.

DOC: David, you have the most impressive blood clot I have ever seen in my career

PATIENT: Oh, gee thanks for the compliment.. I guess.

DOC: Yes, but don’t let it go to your head.


March 28, 2019

A talk with a Corporate Executive turned Notary about the future of signing co’s.

Filed under: General Stories — admin @ 9:48 am

Yesterday, (not yesterday based on when this article was published, but yesterday based on when it was written which is probably a few months before it got published) I had a great talk with a Notary in Florida. This guy was an ex corporate executive vice president who decided to become a Notary Public and do loan signings.

He left his career to do what we do? Why?
Now, the only thing that went through my mind was why would you leave your $300,000 per year (or possibly much more than that) to be a Notary? Notaries don’t get paid well. But, then he told me about all the jobs he does. He is also upset that the pay has gone down. But, he gets six to eleven jobs per day every days. So, he is making around $1000 per day of work which is about $24,000 per month and perhaps $300,000 per year. Actually, come to think of it, he left the high pressure life of executing making $300K per year to make $300K per year for a job with less pressure. Maybe that is not such a bad thing after all.

There won’t be signing companies in the future.
But, what he said about signing companies was interesting. He followed all of the mergers and acquisitions in the signing company business. He said that companies don’t normally merge unless they are not getting enough business. He also said that there was no need for their service as Title prefers to source Notaries directly. And with Snapdocs it is so easy to do that. With all of the competition out there, Snapdocs, and direct sourcing, he says there won’t be much of a niche for signing companies. If I heard that from a regular notary, I would take it with a grain of salt (perhaps Epsom salt), but from him with his business background I take it more seriously.

So, if there are less signing companies that means there will be more title work, higher wages, and less room for beginners. Will we really see this opposite swing in the industry? I have no idea. Interest rates will eventually have to fall. I am waiting for this so I can make more money.

My next worst nightmare is if Google creates self-signing loans (like self-driving cars.) Not sure how that would work technically, but the concept scares me.

After I was through talking to him I called a Notary service called, Gillette Notary Service — for a closer and smoother notarization every time. At Gillette, they don’t give discounts, instead they shave a tiny bit off the price. What do you expect. They also give you an after-notarization lotion with their company logo on it so you don’t forget them.

Jeremy’s Opinion
I think signing companies are here to stay. They have been around for a long time. They fill a niche. They typically do not hire very good Notaries, but nobody cares unless someone screws up. If they weren’t needed, they would have disappeared long time ago. It seems that they have already become a rare commodity and that this corporate notary’s opinion is more of a historical fact than a premonition. But, we’ll see. My last article about new signing companies had two or three dozen based on the last year. We used to have that many per month. My point proven! My main issue is maintaining a great directory and making sure that the serious Notaries get work. Quality is my main concern and after calling my top people tonight, I would say we have pretty good quality in the top rungs.


March 26, 2019

Testimonial from Viki Konstan

Filed under: General Stories — admin @ 10:21 am

Thank you for your feedback. I strive on a daily basis to continually learn (including advanced learning) more about loan signing, general notary work and tricks of the trade.

I enjoy reading your blog posts, which I consider the best notary blog on the net.


Bostonians visit Los Angeles and describe their visit

Filed under: General Stories — admin @ 9:49 am

Try to imagine this monologue in a thick South Boston or Dorchester accent.

Yeahr I went to Los Angeles to visit my Bruthuh last week. But, while I was theya, I decided to get some important business done.

I stahted the day by visiting Dr. Mahtinez in Culva City to get a Cancuh screening done. Aftah it was ovah, he said I didn’t have a single cancuh cell in my entiyah buody! I was so relieved. He said to come back and see him in five yeyus. So, afta that, I went to Griffith Pahk for a walk before I went to one of those fancy schmancy lawr-offices in Bevuhly Hills. It was my Bruthuh’s Idear to do that. The lawr-office wasn’t that fancy, but I had a great cherry mocha down the street from them which I will nevuh fuhget.

Afta that, I got on the highway to go back to Diamond Bah. It was bumpah-ta-bumpah the whole way. The 60 was a pahking luot. I was stuck theyah for a wicked luong time. It was two houwiz but it felt like furevah.

If you evah go from Griffith Pahk ta Diamond Bah, whatevah you do, don’t take the 60. You might as well just camp out and wait until 8:30 when it lightens up.


A testimonial about us from Marcie

Filed under: General Stories — admin @ 9:49 am

I look forward to every email you send me. It’s like like a subscription to a favorite Magazine for me. I think your funny, honest, point on in your observation of our industry and your sarcasm cracks me up. I could go on and on but you probably get a 100 of these types of emails a day.
Thanks for making a dry kinda job enjoyable.
Marcie Charles

Here’s another one from the same lady
I can’t get enough of your posts and emails. Jeremy…. Please transfer all of this into a book, you are incredible… We need people like you who are NOT afraid to speak their mind. Thank you!!!


March 13, 2019

Testimonial about 123notary from Colleen Nugent

Filed under: General Stories — admin @ 9:33 am

Thank you Jeremy! your work is so helpful!
very glad to have your info in my inbox.
Keep up the good work!
thanks again,
Colleen Nugent


March 12, 2019

Tips for people in Native American reservations to prosper

Filed under: General Stories — admin @ 9:21 am

Whenever I visit Native American reservations, I notice that things are kind of slow. I am uneducated about the legal restrictions of doing business on the rez, so maybe things are harder than I think. But, here are my ideas. Basically, it is hard to make money when you are physically distant from wealth and far from a bustling economy. The reservations are normally very far from the rest of society.

Philosophy of land is cultural
BTW, one of the issues with reservations is that — since it is “free” land with no taxes or purchasing fees associated with it, the land tends to be devoid of any value. In modern society it is better to purchase land in small amounts that you intend to milk for all its worth rather than having endless hectares of worthless abandoned land. On the one hand it is not fair how our government helped itself to tribal people’s land. On the other hand it is not fair that I have to pay land tax as a person of European origin while native people get free land that is tax free. On the third hand the free land is not useful land anyway, so they are not getting much.

Traditional native people have a philosophy of land where land is something they just intrinsically own simply because they were there for a long time, while it is not a piece of property they wish to develop in any particular way. They like to let the land sit and breathe. Western people traditionally have had to pay for land or inherit it and realize that it is a commodity in short supply to be optimized as much as possible. The roots of the native philosophy evolved from the fact that land traditionally was so plentiful since the population was so sparse — and the population was sparse due to constant war, starvation, disease, etc.

So, how can Native Americans prosper while being in the middle of nowhere? The answer is easy. If you don’t know how to solve a problem, look to nature. In nature, certain species of trees, plants or animals thrive in particular environments or at particular heights or conditions. Being in the middle of nowhere puts you far from markets, but close to vast quantities of land. Since land is so prohibitively expensive in cities, having endless expanses of land is helpful for many industries. But, what are these industries?

Here are some ideas for industries that would work well for Native Americans.

1. Buffalo Farming
This is already being done by many people and is a growing trade. Many tribes, particularly in the mid-west made their living from eating buffalo meat for thousands of years, using the skin to make tee pees, etc., They used every part of the buffalo as a matter of practice and religious belief as a general rule. The issue is that traditional Native Americans hunted wild buffaloes and rarely engaged in domesticated farming which is where the cultural adjustment happens. Hopis and Navajos (the exception to the generalization) are more domesticated in their culture even though Navajos had a long nomadic history migrating down from Alaska over the last 2000 years. Incidentally, the Navajo language and culture are still similar to many Alaskan ones. These two tribes typically grow corn and have goats, sheep, and other animals that they own as opposed to letting them run wild like many other tribes. But, I digress.

Buffalo meat is one of the most lean and healthy meats you can eat. Free range or wild meat is more healthy as a rule and has better qi energy (Chinese medicine) because it wanders around more as opposed to being trapped in concentration camp conditions like other animals. Since it is a traditional animal for many tribes, they might take pride in domesticating it. Additionally, there is a growing market for this meat and big money to be made. All people have to do is learn this trade, and own some land with grass on it. Pollution from fracking, mining and oil drilling can contaminate conditions easily, and this is a huge barrier to success in this business. Knowing what to feed these beasts, how to kill them, butcher them, find buyers, and transport the proceeds are some of the skills involved. Knowing how to make a killer buffalo burger is also a good supplemental skill.

2. Farming & water resources in general
Farming is good when you have infinite land. However, land does not always have good soil or water. Mastery of water harvesting is essential to survival and this is an issue of global concern as much of the world has a water shortage. The ability to collect water and use it efficiently is wealth in the future. There are ways to collect rain water and store it. Desalination is another valuable and expensive high tech skill to have. Those who can control water will survive while others will die in decades to come. The world will also fight wars over rivers and water supplies according to my spiritual guru. You can always get good soil trucked in for a fee. Even the driest parts of Arizona get about 12 inches of rain per year. The skill is figuring out how to get the water and store it in tanks. These are skills that are attuned to living in harmony with nature which is a typical concern of traditional Native Americans which is why I recommend this skill. Farming is hard work and takes a lot of getting used to. I know nothing about it. But, maybe you will master it.

3. Solar panel manufacturing and installation
China leads the world in making solar panels. But, since this is a craft that can save the environment, it should be popular with tribal folks. Many tribes are getting very involved in solar technology such as the Lakota, and I hope this trend continues. Manufacturing involves having buildings where you can do work. It also involves a knowledge of ever changing technology and cost optimization strategy. You need to know how to sell your crafts and transport them as well. Solar manufacturing takes up lots of space, so being far away from cities works in your favor as you have tons of open space.

On a side note — I think people should lobby the government not to shut down oil pipelines (because that won’t happen for a long time) but to have more restrictions for oil pipelines such as safety measures. If there can be alarm systems when pipes are leaking or redundancy in the walls of pipes. If there could be legislation for how pipes can cross rivers that would be very critical as well. Personally, I feel that if you put a river through a pipe for half a mile where the oil pipe is going over it — if there is a leak, the leak will not go into the water. This is a great way to preserve water — our most valuable resource.

4. Marketing crafts worldwide
Native Americans are famous for having some of the best jewelry around. But, let’s expand on this skill set. First, you can sell jewelry outside of your local area to people in other states or countries. Perhaps someone in the Gui Lin region of China needs a new kachina — you’ll never know if you don’t try to tap into that market. Additionally, there are many other things people can make besides traditional jewelry. People could make sofas with traditional native designs. People could make mousepads. Incidentally, I saw Native American mousepads for $36 at a store. Not many people will pay $36, but if you can get the price down to $8, you might be able to sell some. Clothing manufacturing is another craft to consider. Furniture manufacturing is yet another good craft.

5. Modular home manufacturing.
It is much cheaper to buy a home in pieces and just put it on a foundation than to build on site. But, the pieces have to be made somewhere. Modular home manufacturing involves having lots of space and reservations typically have this. Lots of skill is involved, so try to hire good teachers so the whole tribe can benefit.

6. Plumbing, Roofing, Flooring.
Many homes in reservations are falling apart while high unemployment rates abound. If those unemployed people could get some training and learn to fix broken buildings, that would solve two problems at the same time. There might not be money to pay for the services or even the parts involved. However, as tribal people, the whole basis of a tribe is all for one, and one for all. You should be willing to help you tribal brothers and sisters without being paid much, or anything at least to some extent even in modern times. Remember — native culture is based on giving, secular modern culture is based on taking. Native culture is supposed to be communal, so don’t think about yourself. Help others, give, and make sure people get training too.

Mold is another issue, particularly in Lakota areas. A new specialty trade needs to be developed — namely mold removal specialists. Mold is dangerous and can damage your health and specifically your lungs as it is a living organism.

7. Food packaging and processing.
The diet of modern day Native Americans is not healthy. Fry bread is not indigenous to tribal people, but was brought by the Spanish. Native people treat it as their native dish, but it is very damaging to your liver and should not be consumed. Asian Indians have flat bread too, but theirs is cooked in a frying pan with a tablespoon of oil rather than a quart. The manufacturing of healthy food products could save the health of millions and provide a valuable export for many tribal communities. Here are a few ideas:

Soups – creating healthy soups with lots of vegetables, buffalo and other ingredients is a great idea.
Meat Sticks – one tribe sells meat sticks with buffalo and berries in it. Tastes great but a little expensive.
TV Dinners — healthy ones with lots of veggies and lean meats would be preferable. And don’t use microwaves as that is very bad for your health.
Chips – not the healthiest, but baked is better than fried and it is a labor intensive industry that can erase unemployment fast. Potato chips, veggie chips, tortilla chips are all options.
Jams – with all the berries that grow up north, making jams is a great and healthy idea.

8. Hospitality
Native Americans have not exploited this opportunity yet, but they should. Americans are often very interested in America’s past, and what better way to learn about it than on a resort on or near a reservation. There could be great food, story telling, dancing, art, and nature walks. But, nobody will hang around at a resort unless the food is good and unless they have clean rooms and lots of fun, so mastering the art of being great at hospitality in all ways is a trade to master.

9. Restaurants
Native Americans need to reinvent their cuisine. The American South recreated their traditional cuisine after the civil war. Everything they owned had been destroyed so they had to start all over again. Two hundred years ago native people at all types of things, but that culture has mostly been lost. In New Mexico, native food is typically lamb, fry bread, beans, and green chile. This is some of my favorite food, but you can’t just hand someone a plate of cooked ingredients — it needs to be gourmet. Mastering the art of creating and improvising on dishes and making them works of art is a skill. You might consider hiring some outside help for this. If I were creating a menu, I would have:

Zuni kabobs — meat on a stick with some green chili rubbed into it.
Hopi hummous – a popular middle eastern dish with some Southwester touches and a catchy name.
Lamb tacos – using fry bread, but hopefully cooked in less oil and a mini fry bread instead of the huge ones.
Vegetable and rabbit stew – sounds great, but add some herbs for God’s sake.

10. Rabbit farming.
The easiest animal to grow is rabbits. You will get more meat for each pound you feed them than any other species. And what more, they multiply like rabbits. This is a great farming idea. Additionally, rabbit meat might be healthy as rabbits jump around a lot. You get that jumping energy in you which according to four out of five shamans surveyed, might be a good energy to have if you are feeling sluggish.

11. Outsourcing medicine man knowledge
The traditional medicine of native people was from medicine men. This dying art is quite valuable. Western medicine preoccupies itself with drugs which are toxic and have side effects. Chinese medicine is better with acupuncture and herbs. But, what about using your mind force and tapping into shamanic energies to heal the sick. This has been in use for tens of thousands of years and I was a master of this in many past existences. Many people of European ancestry might benefit from this dying art. It is imperative that you teach your newer generation this art and share it with the whites. You might have a new source of income and get brownie points with God for all the people you help.

There is a huge growing interest in shamanism in the west. This is probably because those that used shamanism in tribal societies died and got reborn as white people (a logical but unproven conclusion.)

The other benefit of shamanism is that there are some very capable spirits in places like New Mexico who you could do healing work in conjunction with. Those spirits are happy to help, but need someone to communicate with the living. Sorry to freak you out, but I know these spirits and they are great. They cured my sciatic pain over the years and helped with other health problems. They prefer to work on me while I am driving in remote areas.

12. Summer camp
Instead of being ashamed of your heritage and trying to act all white (and many of you don’t have to try as it comes naturally) you can export your culture to children in the form of summer camp. You can teach stories, archery, make tee pees (or igloos) and have fun activities.

13. Call Center
People outsource call centers to Manila and Bombay, but there are plenty of unemployed people who speak excellent English in the five hundred or so indigenous communities who would be super call center employees. There is big business in call centers and endless work. You have to keep the prices low and the burn out rate is high, but it is a real solution to unemployment. If even a few people in your tribe can learn the trade well and can manage the others, you could get a cheap building and start your own call center. You do need to know how to market your business, and that is an art in itself. But, many companies will subcontract to you and freelancing is also popular.

14. Unrelated…
Below is my idea for a healthy living environment for tribes.
My vision includes having a large piece of land perhaps several miles wide. The land could have buffaloes roaming around, and even wolves or other zoo animals in some areas. It is my assertion that humans are happier and healthier when they stay connected to their power animal. Some of us descend spiritually from cats, dogs, buffalo, snakes, or apes, etc. Having your living environment chock full of animals makes it a tourist attraction as well as a pleasant place to live.

There could be call centers with large windows overlooking grazing buffaloes which might be emotionally satisfying (and reduce turnover no pun intended). There could also be manufacturing going on in certain buildings of soups, solar panels, and other things. There could be very heat efficient living quarters in other areas. Most of all, transportation needs to be efficient and having everything walking distance and keeping cars on the outside of the compound seems like a wonderful idea. Although having a few slow moving electric carts or Segways seems okay.

For those in a northern climate, having independent houses seems to not make sense. You lose too much heat through the walls. It makes more sense to have buildings that are multistory and cubical and can accommodate dozens of families. That way there are less outer walls and less opportunities for heat to get out.

The most salient feature of this type of compound is to have walking tracks that go through the buffalo fields. I would call it a buffalo walk. This is a great way to stay healthy as a matter of group activity in a way where you connect to your spirit animal which for many Lakotas is the buffalo. Of course, my animal is the Bengal Tiger and they would probably eat you if you let them run around freely. But, if you had enough land you could keep a few around for good luck. Just feed them plenty of raw meat.

The ending joke of the compound idea is the father and son team that export hippie t-shirts throughout the world for obscene profits who start the day by saying, “Today is a good day to dye!”

If this industrious communal living situation proved profitable, tribes and clans would be able to buy large expanses of land and let buffalos go free just like in the 1700’s. It is possible to recreate your tribal past, but it can only happen if you can master the art of modern economics and pay tax on your land.

On a final note, whatever you do in your reservation — don’t become a mobile notary otherwise you will spend the rest of your life complaining about fax backs and not getting paid on time. And one more thing — never look a Bengal Tiger in the eye, unless it is your power animal and wants some milk.

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