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April 27, 2017

A 123notary client partners with an Uber driver

Filed under: General Stories — admin @ 1:31 am

One of our clients in California decided to partner with an Uber driver. He assigns Notary signings to the Uber driver. Since the driver is driving around anyway, it is no sweat to arrive at a Notary Signing appointment at the last minute. What a concept. I have never heard of such an arrangement before.

For people who are already doing signings, I wonder how effective it would be to do Uber work and fit it into your schedule when you are not doing jobs. It might mean that you should accept jobs closer to home only. Or you could go far away as an Uber driver can accept jobs anywhere. The world has really changed recently. The question is, can we keep up with it? I’m personally doing my best over here!

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April 26, 2017

Carlette’s Signing Story

Filed under: General Stories — admin @ 1:27 am

My experience grappling with personal feelings and the law —
I had a reverse mortgage assignment yesterday.

This assignment came to me on a rush basis… I needed to be there within 2 hours and I had not even received the documents yet.
I was offered a very generous fee.

No mention that it was a reverse mortgage and no mention that the documents would be 175 pages long (not including the borrower’s copy).

Called borrower and the daughter answered. Daughter said father was not at home but she knew they were expecting a notary. I asked when dad would be at home… she finally said I am the wife and he is here and we are waiting for you. She said Jim will also be here.

I have had many borrowers expecting the realtor or lender to be there so I automatically thought she was mistaken. She gave me the telephone number to the Jim person who confirmed he would attend and he said he always attends his own closings. I agreed to call him when I was on my way. When I called to tell him I was 10 minutes away, he said I am already here. In hindsight, I could hear trepidation in his voice. Just thought he was concerned that I did not call him earlier (since he said he was 20 minutes away). I told him I would just get them sworn in and wait for him.

When I arrived, borrower’s wife greeted me kindly. I walked in and greeted them. A gentleman who I first met also greeted me and it was clear that he was having some health issues. He shook my hand, smiled at me and proceeded to pronounce the words DaDa over and over. I said to myself, he must be the grandfather. So I proceeded to greet the others.

Wife, daughter and “Jim” greeted me and then I was introduced to the borrower. Imagine my surprise!
Control is everything.

I proceeded to ask borrower if he knew why I was here. He did not answer. I asked him for his full name, he gave me his first name. I asked what is his last name, he did not answer. I asked if he knew what a reverse mortgage is, he had no idea. He kept saying I built this house. I asked him what is the date. He looked at his watch and said 14. I asked what year, he said 1981. I asked him who is the president, he could not answer. Wife said, who didn’t you vote for… he could not answer. Wife said, we are trying to save our house.

During this time, daughter said she is a notary and it is not my job to ask about what is being signed but to only witness the signing, Broker said borrower went through reverse counselling and they approved him and I have never seen him like this, and wife said he was just not having a good day (after his triple bypass). During all of this, borrower continued saying DaDa – over and over.

I informed everyone (as well as clarified with Notary daughter about notary law and directed her to Secretary of State notary laws and rules) that I could not close this reverse mortgage loan when I do not feel borrower understands what he is signing.

Wife finally said, I do have a Power of Attorney. I suggested to broker that if I am directed to have her sign as POA, this could be done. He reached out to someone who told him they could not go forward with the closing at this time.
I politely apologized and excused myself.

Long story short, I feel soooo bad… but so good… about what it means to be a knowledgeable notary, to understand the laws and rules, and to apply them where necessary. Learn your notary laws and rules.

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April 14, 2017

All About 123notary

Filed under: General Stories — admin @ 12:13 am

All about 123notary — who we are, advertising with us, and how we started.

Many people know that 123notary is the one venue to advertise your Mobile Notary service that systematically gets results. We are the go-to site for notary advertising. Some people rave about the results we get. Others complain about how they don’t like our sometimes strict policies. But, almost all love the zany stories and helpful tips in our blog. So, let’s break it down how 123notary got started, and what we do.

The History of 123notary

123notary started back in 1999 and was originally designed to be an advertising site just for Jeremy. The other sites weren’t getting him enough business, so it was time to take control of advertising so there would be enough work. As time went on, the site graduated from being a purely Southern California directory covering only five counties to covering all of California. By 2001, we covered the entire United States.

Building up 123notary from scratch

We started this directory knowing almost nothing about the directory business. We just put a bunch of names and numbers on a list. Little did we realize that there is a lot more to running a directory than that. We realized we needed critical mass, so we added more than a thousand names to the list. Along with a bunch of other technical realizations about placement levels for additional counties, zip search results, etc., we realized that people drop out. As people drop out of the Notary business, we need new Notaries dropping in. My huge project adding 1000 Notaries to the list was something that would have to be repeated. So, a few years later, I added more people. Our numbers went up, and then month by month the numbers went down. This arduous process of adding names to the list would have to be repeated once again as our stats kept going down. After a while, it became a realization that we needed an organized way to keep our numbers up. So, I decided to create a monthly plan to add new Notaries to our list every month, and remove defunct listings every month as well. That system worked miracles and from that day forward, 123notary maintained a steady quantity of Notaries around 6200-7400.

Amazing breakthroughs in 2008 & 2009

Additionally, in 2008, the online advertising with Google Adwords started to get a lot more expensive. It was necessary to find a more cost-effective way to get clicks. Learning SEO was something that took a few years, but with a fantastic programmer named Mark, Jeremy was able to learn the art of SEO and get 123notary double the clicks it was getting before. The following year (2009) Mitch got Jeremy started on blogging and social media which again worked wonders for 123notary’s SEO, although that miracle took years to unfold.

What is 123notary now?
123notary is a the premiere Notary directory in the industry. No other directory has as high a quality of Notaries or gets as much traffic. We keep more information on our Notaries than any other directory. We have the general contact info, hours of operation, but also get into Notary specialties such as Reverse Mortgages, Hospital Signings, Immigration Documents, E&O insurance, Foreign Languages, and more. Additionally, 123notary goes through and helps Notaries edit their notes sections to make them easier to read and more informative. 123notary gets about 170,000 visitors per month and has about 6900 Notaries on board as of June, 2016.

Advertising

You can advertise with 123notary as a Mobile Notary for as little as $59 per year. Although we offer FREE listings which appear at the bottom of the search results, you can also elect to get a preferential listing for $99 or be #1 on the search results for a quoted price which might range from $200 on up depending on the area.

eCourses

123notary also sells loan signing certification courses and combos. Our most popular is the LS#3 combo which gives a thorough guide to loan signing, keeping records, marketing your services, examples of loan documents, and more. You can get a physical book or an ecourse. Read the course description!

How do I do well on 123notary?

To do well on 123notary requires more than just paying us an annual fee. You need to maintain your listing a little bit too, but it isn’t rocket science, and you have experienced professionals who are here to help at no extra cost. You need to write an amazing notes section about your experience, what’s unique about you, equipment, memberships, coverage areas, etc. We will help you edit your notes section at no cost to make it better organized and attractive. You also need reviews from your satisfied clients on your listing. All you have to do is ask, and email them a link, and some (but, unfortunately not all) of them will write you a review. A few reviews are like gold and will magically transform your listing as that is what the users want to see.

Help is always there when you advertise with 123notary

Other directories just take your money and leave you on your own. At 123notary, you can email us or call our 888 number for help. We give help with passwords for your listing, or ecourse. We also give free marketing and technical tips if you have a question. We’ll help brush up your listing at no cost as well as help you choose a business name — at at no cost if you have a paid listing with us!

Our Newsletter

In addition to providing advertising and courses, 123notary also has a free newsletter which has more than 5000 followers. Our newsletter is a free source of great industry information and laughs as well. We have articles about new signing companies, signing company gossip, technical signing agent tips, mobile notary marketing tips, and also comedy articles especially written for the Notary industry. No other newsletter provides the same diversity or quality of articles as we do. So, email us at info@123notary.com to sign up today!

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March 30, 2017

Notarization at Standing Rock

Filed under: General Stories — admin @ 8:05 am

A Notary was asked to do a Notarization at the protest of the DAPL pipeline. But, finding the place was a nightmare and cell phones don’t work up there in North Dakota. Let’s look at the map the Notary thought to himself. Sitting Bull is there, Standing Rock is here. I’m not sure if I’m looking for a Bull or a Rock, but I am sure that I’ll be sitting or standing unless the weather warms up. Boy, it’s arctic up here.

The Notary finally got to the protest — and it was horrible. The police were shooting the crowd with water in 20 degree weather. That’s deadly. Then, he saw a young lady get sprayed in the face with industrial strength pepper spray by police. It’s time to bring out the Attorneys and scrutinize the police up there. An elderly lady was arrested for conspiricy and taken away without her diabetes medicine, and she nearly died according to one reporter. Another lady from Pine Ridge threatened to commit what Native Americans call “Sioux-icide.” The whole situation was a travesty of justice. One Native American protested who had grown up down south named Peggy-Sioux said it didn’t seem like the way things were handled in America, and due process had been violated as well as human dignity.

The Notary was asked to Notarize a statement about numbers that had been written on a person’s arm by a police offer. The practice was identical to what Nazis had done a few generations ago and the crowd was livid. So, the Notary tried to notarize the paperwork but couldn’t.

NOTARY: Sorry, my hands froze, I can’t move my fingers.

PROTESTER: Our people have lived her for countless generations. We are used to the cold. Here, let me show you a tribal secret.

NOTARY: Is this similar to the Mr. Miyagi secret?

PROTESTER: He stole that from us. (Rubbing hands together fervently singing tribal prayer. Then he grasped the Notary’s hands with his hot hands.) Wax on, wax off, wax on, wax off — don’t forget to breathe, very important.

NOTARY: Hey wait a second, you stole that from Mr. Miyagi — not fair.

PROTESTER: The technique is from us, but the line is from him.

NOTARY: Wow, my hands are much better. Does the prayer work as well without the drums? Because I’ve heard stories.

PROTESTER: Oh, the drums are more for the state of mind for deeper consciousness.

NOTARY: Well then you won’t need that with me — I’m always in a deeper state of consciousness, at least until my GPS broke. That sort of threw me off, especially around here. Okay, my fingers are working for now. Please sign the journal, I’m stamping here, filling out the form here and signing my John Hancock.

PROTESTER: We prefer to think of it as signing our Crazy Horse.

NOTARY: There’s nothing crazy about your horse.

PROTESTER: Never mind. You wouldn’t understand — it’s an Indian thang!

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March 22, 2017

Notaries with the same name – drama!

Filed under: General Stories — admin @ 7:59 am

We had several situations where there was a small drama because more than one Notary had the same name.

In one instance, a Notary in Michigan named John Smith got the check for a Notary also named John Smith in Alabama. They had the same name. The Michigan John Smith deposited the check too.

In another instance a Notary who had been offline was put back online. The Florida Melody Smith was put back online. Then Melody Smith emailed me to let me know that she was still not online. Then I took a closer look and realized that there was a California Melody Smith as well who was not online. Ooops! So, I put California Melody Smith online and explained my mistake.

Then, we had a new Notary named Howard Lee. I was horribly afraid because I had had a roommate named Howard Lee. What if it were the same person? They were both in California. Gasp!!! However, my heartrate went down when I learned that Notary Howard Lee indicated Korean as a second language, where the ex-roommate who wanted to kill me because of a lie his girlfriend told him spoke Chinese.

In another instance Samantha Cornfield got the other Samantha Cornfield’s password. Ooops — security breach. She emailed me and I sent the password for a completely different person with the same name.

The moral of the story is that I need to really be more careful and check people’s email address when they contact me because email addresses are unique, but there could be infinite numbers of people with the same personal name.

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March 8, 2017

Notaries in the 1800’s — things were different then

Filed under: General Stories — admin @ 7:42 am

Back in the old days, the job of being a Notary in America was quite different. First of all, back then, all Notaries were men and presumably white men. Now, the field is disproportionally black women!

Colonial Notaries had to record personal information about their clients such as who was having an affair, illegitimate children, who was a witch (that would be most of Salem, MA) and who showed their ankles in public.

Since people rarely left their towns in the old days it was easier to identify a signer. Everybody knew each other back then. Today, we don’t know hardly any of our neighbors. With technology today, we can go for weeks without physically seeing our bosses, or clients. Identification documents back in the old days would be documents. However, without photographs, it would be possible to steal those documents from someone and possibly imposter them. My, how times have changed.

Since people didn’t drive cars in the 1700’s, the need for a driver’s license wasn’t there. But, what about a passport?

In the old days, counties appointed a particular number of Notaries based on the size of the population. It is different these days as there is no limit to how many Notaries a state could have. Having so many Notaries makes the price of notarizations go down due to increased competition.

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March 2, 2017

Why you don’t want to be a mobile Notary in NW New Mexico

Filed under: General Stories — Tags: , — admin @ 9:36 pm

There are certain parts of the USA that you just don’t want to be a mobile notary. The reason is that you don’t want to drive through these areas. You might see these particular parts as innocuous or benign in nature, but there are strange and unexplainable things that happen.

There are several parts of the USA that you should avoid driving through, particularly at night. I know what you are thinking. Gang infested neighborhoods in Chicago or New York. Yes, you might think twice before driving through one of those no fly zones at night. But, what I’m talking about are haunted areas.

There is a part of New Jersey right near the New York border in a remote area where there is a haunted road. Mythological animals appear out of nowhere. There is a ghost truck that follows people flashing its lights. There is also a ghost in the lake. If you throw a quarter into the lake, the ghost will make the quarter land on your car down the road. Driving on this road at night is dangerous and not recommended partly due to the twists and turns, but partly because people freak out and get in deadly accidents.

There is also a part of Northwest New Mexico that is intrinsically haunted. But, the haunting there was much more severe. The highway route 666 had to be renamed 491 because it brought such bad luck. This was a highway that went North South from Shiprock down to the 40 in Gallup. In any case, there was an abnormally high rate of flat tires as well as a report of a ghost van that would run you over if you didn’t get out of the way. In more extreme cases, a few bikers were eaten alive by some rabid dogs that appeared out of nowhere called, “The hounds of hell.” In the four corners area, there are creatures called shapeshifters who are human witches who can turn themselves into dogs. They can run at 60 miles an hour and have magical abilities and only divine grace can save you from these creatures. Being in that part of the country terrifies me because I have hears all to many stories, and have a few ghost stories of my own.

The reality is that even 100 miles away from this infamous highway, near Dulce, NM I got a flat tire for no reason. My tire was relatively new, and a screw penetrated it from the side at a 45 degree angle. Also, while I was fueling up in Utah not far from the four corners area, my gas pump didn’t shut off spilling a gallon of gas all over the sidewalk. These occurances were due to mischevous spirits who wanted to have fun.

So, if you are a mobile Notary, know the roads you are traveling on. Because otherwise you might end up on route 666.

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January 26, 2017

Here is how your home will be drained of its equity

Filed under: General Stories — Tags: — admin @ 12:40 am

I have written a few pieces on the future of the American economy, reverse interest rates, and other futuristic depressing economic predictions. Basically, what is happening in Japan could happen in the United States and it looks like we are going down the same path, but are behind by a few years.

Japan’s Bubble & Our Government’s Borrowing Habit
Japan had a huge Real Estate bubble about 25 years ago. The bubble crashed, but prices never went back up again. They went down and down and down slowly and still continue to go down. The government is borrowing all of the available money for its humongous national debt. Interest rates are also negative. But, it seems to me that regular folks are not allowed to borrow or not borrow that much. The same situation is happening here, only not as severe. As our government’s debt gets higher and higher, banks will have to artificially keep interest rates low (they have been doing this for a few years now it seems) otherwise Uncle Sam will be out of business which means that we all will be out of business too or would have to pay 30% extra in taxes which would ruin the econony.

Your Home Will Lose Value
As the government’s debt gets higher, interest rates could become artificially lower so that the government could stay afloat without issues. This means that banks will have less money to lend to borrowers. That means that they will have less money to pay if bidding on your home which means your home’s value should be going down little by little over the next thirty years. The problem with this is that you will lose most or all of the equity in your home little by little over decades and be left with little or nothing when it is time to retire.

The Solution
It doesn’t make sense to put all of your assets in your home like middle class people have done for generations. It makes more sense to keep your wealth in gold, land, cash in the bank, as well as very stable stocks such as blue chips, etc. These types of investments would be more stable than a home in a bad depression and will survive economically upside down times.

Surviving Being Upside Down
Prepare for upside down conditions. It’s happening already in Japan. The problem is, it could wipe you out. After people are stripped of their life savings that was stored in the equity of their homes, if the economy tanks on top of that, then you would be out on the street. So, be prepared, and try to act sensibly to protect your family from the inevitable. If you own a house, do it the Christian way — pay for it in cash or pay your loan off completely. Borrowing is forbidden in several religions as it leads to economic slavery, multinational financial collapses (Greece, Portugal, and soon us) as well as upside down consitions. The secret to survival is to not be a part of this insanity and keep your wealth in solid assets without borrowing!

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January 20, 2017

Notary Starbucks – charging for waiting time while sipping Sumatra

Filed under: General Stories — Tags: , — admin @ 12:42 am

Welcome to Notary Starbucks where Notaries go to meet clients, get caffeinated, and blend with others. When the check comes, they get to do the signing for a change. Choose from a wide selection of Notarial coffees and snacks. Additionally, this is the only type of Starbucks where tables have separate mini-wings that open up on the sides of tables to accommodate drinks, so they won’t spill on your documents if you tip them over! Better yet, you get to use the new Starbucks Notary App that gets your waiting time paid in advance! At regular Starbucks, you see writers with their laptops writing screenplays about superheroes that never sell. At Notary Starbucks, they write screenplays about notaries that never get paid.

We offer a Notary cake that is rectangular and has an imprint of a Notary Seal in the middle. Just don’t eat the cake after the expiration date imprinted in it! Try the molten Notary cake too. It has chocolate Notary seal ink in the middle! Below is a list of our coffee blend selections.

Antigua Affidavit Blend

Conforming Columbian Dark Roast

Arabian Acknowledgment

Subscribing Sumatra

Sulawesi Signature Whole Bean

Interest Only Italian Blend (Light Roast)

All strong enough to keep you awake while waiting for your client who’s had too much java to provide a signature that isn’t too shaky from all that caffeine.

But, Notaries don’t only go to their local Notary Starbucks to enjoy snacks, they meet their best clients there. They even had a new Starbucks App that would penalize clients from coming late to appointments where they would meet at Starbucks.

CLIENT: I’m almost there, but running late

NOTARY : No problem, you prepaid $25 waiting fee. You’re only halfway through that.

CLIENT: I thought that was the Notary fee.

NOTARY: Nope? My last client kept me waiting here for 30 minutes only to stand me up. That’s why I use “The Waiting App.” It’s $10 per signature, plus $10 travel fee for me to come here from home not to mention waiting time. You’re out $12.50 for keeping me waiting.

CLIENT: But, you didn’t do anything!

NOTARY: I wouldn’t call waiting for you not doing anything. Waiting for paint to dry – maybe. I came when I had other offers, and I sat here drinking Burundi Buydown with cream and sugar — too much sugar, I’ll never make that mistake again. This is time out of my day. You think I work for free?

CLIENT: But, you’re not working?

NOTARY: If I spent the entire day at Starbucks, “Not Working” I wouldn’t be able to afford my Murundi Mortgage, or my real Mortgage for that matter. I get paid for doing signatures, and if those people don’t want to show — they pay for my opportunity cost that I spent waiting — and sipping.

CLIENT: Sipping. You lazy bum. Don’t you have anything better to do?

NOTARY: As a matter of fact, I got an offer for an $80 signing while I was waiting for a late client. I turned him down since I got a down payment via the Starbucks Notary App.

CLIENT: Why of all the low-down.

NOTARY: Hey, you’re the one who can’t show up on time, not me buddy. Blame yourself.

CLIENT: I’ve decided not to come. I don’t like your attitude.

NOTARY: Great, I’ll call the $80 guy back. It’s only been two minutes. I’ll tell him I’ll be there in another two. Or have him meet me for a FHA French Roast right here at Notary Starbucks. In the meantime, I’m sort of trying to win the affection of a female Notary sitting next to me. Thanks a latte.

CLIENT: Fine — Bum!!!!

LADY NOTARY: I’m enjoying this Interest Only Italian Blend. They claim that if you drink it, you will enhance the interest of Notaries of the opposite sex.

NOTARY: It’s working. But, I have to go. The $80 guy wants me to show up at his house in 10 minutes. Send me a text. But, do you think I’ll get in trouble with the police?

LADY NOTARY: Why? For driving under the influence of that Subscribing Sumatra Frapaccino you had an hour ago? The high on that lasts for four hours. You might be driving all jerky, or irratically smash your seal into the document at your signing.

NOTARY: Nah, I’ll be fine.

LADY NOTARY: Oh yeah? Well, how many fingers am I holding up?

NOTARY: I can’t tell. Your fingers are shaking so much. It might be easier to meet ladies at a Notary bar rather than here. Everybody’s so jumpy and over caffeinated.

LADY NOTARY: Ya think? I’m not that bad compared to the lady who started out sipping sumatra which is a gateway coffee drink and then moved up to the crackaccino!

NOTARY: Good point. Gotta go! $80 is calling my name. Anyway, later. I’ve gotta Java now if you know what I mean!

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December 31, 2016

2016 Notary Timeline – a year in review

Filed under: General Stories,Popular on Facebook (A little) — admin @ 11:13 am

2016 was a great year for Notaries. Here are some of the highlights of what happened at 123notary and in the Notary industry in general.

Jan 2016 — The Notary industry was slow for most of the year, but worse in the last quarter. To the point where some short of change for the laundry didn’t even have a last quarter.

Feb 2016 — Snapdocs becomes a force to be reckoned with and Jeremy writes many snappy blog posts over the next several months about them. Snap becomes jealous. Crackle & Pop couldn’t care less.

June 2016 — Jeremy visits Facebook headquarters to see where his Facebook advertising money is going. But, Facebook refuses to give him a tour after a seven hour drive, which Jeremy tells them he didn’t like. Since they’re used to seeing a thumb down instead, they have no idea what he’s saying.

Sept 2016 — 123notary introduces mobile pages for city and state search results pages. The pages still need to be tweaked.

Nov 08, 2016 — Trump elected. Half of Americans made America great again while the other half made America grating again.

Nov 09, 2016 — 3253 of Minnesota Notaries applied for a Notary commission in Saskatchewan. The Somalis in MN wanted to make America great for the first time by legalizing Shariah law, while Notaries in Colorado are staying put as notarizing while stoned remains legalized.

Nov 10, 2016 — 123notary removes many reviews in an attempt to motivate people to get new reviews.

Dec 10, 2016 — 123notary puts old reviews back online as many Notaries got upset and Google rankings fell.

Dec 11, 2016 — Carmen stubs her toe on way to Affidavit signing, and feels better after the ID for the signer had a really funny photo where the lady looked surprised and her hair was a mess. When Carmen diplomatically told the lady she took a nice picture, the lady looked surprised and her hair stood up just like her picture.

Dec 14, 2016 — Interest rates go up a quarter of a point and are expected to go up two to three times more. We could be looking at a very slow 2017. Which is good news for people living paycheck to paycheck and can’t believe how quickly the next month’s rent check is due.

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