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October 29, 2019

Was the document lost by Pack N Ship or by Fedex?

Filed under: General Articles — admin @ 11:49 pm

Back in 2012, a package was lost. A notary delivered it to a Pack N Ship place. Personally, I had a box of checks missing from a mail box place. I went straight to the police who couldn’t help. Perhaps they got thrown out. Not sure.

But, I digress. So, the Notary could not figure out whose fault it was — was it Pack N Ship or Fedex who lost the package. Hmmm. If there was Fedex paperwork for the package then there would be more to go on. Tracking numbers can tell a story of how far the package went in many cases.

So, the poor Notary had to go to his 100 year old signer all over again and sign again. What a pain. I bet that took forever.

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October 14, 2019

Testimonial from William Ponsot

Filed under: General Articles — admin @ 11:27 pm

William Ponsot writes
123notary.com provides a resource unequaled anywhere, including snapdocs… and i refer people to the site almost every day because people looking for a notary in their area can usually find one on this site simply by zip code.

Sheila Speckin writes
I just made a magnet for my car that says “Find me on 123notary.com!

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September 30, 2019

The notary industry picked up in Aug and September 2019

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

Clicks were up on new notary listings. Notaries who we spoke to on the
phone had lots of work. Things were slow from 2014 to mid-2019, but
now things have picked up. Interest rates dropped at least for now.
The future is still uncertain. So, how much longer will things still
be good for notaries?

According to experts, October 2019 will be unpredictable for mortgage
rates as the trade war with China and other political developments
could affect that rate in either direction.

For the remainder of 2019 mortgage rates are expected to be 3.85%
which is an average of various financial agencies such as Freddie Mac,
National Association of Realtors, and several others. The Fed is also
expected to lower rates a little over the next few years.

My personal prediction is that interest rates need to be kept
artificially low because too many governments are in over their heads
in debt. If interest rates rise, half of the world’s governments will
go under which will not be good for any of us. In the long run,
mortgage rates cannot go above 5% for long, otherwise there will be an
economic catastrophe and a chain of failed debt and eventual
bankruptcy on all levels.

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September 29, 2019

Does the Notary have the right to be rude?

Filed under: General Articles — admin @ 11:15 pm

As a Notary, you will have people pulling and pushing you from both ends. It is a lot to handle. Plus accompanied by non-paying clients, bad road conditions, animals harassing you, and endless cancellations, it can get to be too much. In my job, if I am on phones all day long, I have to deal with dozens of rude people per day and it can really get to me, and that is why I can sometimes be snippy. I also have to extract answers to simple questions and 90% of the time get the run around which really drains my patience after the first 200 calls. But, I digress.

Basically, there is no right or wrong. But, if you are rude to a client, they can write a complaint about you. If it is your first complaint and you have a good track record, I often keep the complaint private. But, if you get regular complaints, you might get into a bit of trouble at 123notary and I will publish the complaints.

None of us are perfect, and the stress of the daily nonsense doing Notary work adds up. If the stress gets too much, it is easy to be rude. But, think about it. Being rude can get you fired, or written up. Is it worth it? In my opinion, if you value the client, then no. It is a better policy to be like the folks at banks and try to be polite no matter how crazy the other party is. They also get bad karma from being jerks, so just realize that they are not off the hook being rude to you in the long run.

Additionally, people will treat you like you are the bad guy when you have done nothing wrong. Just try to roll with this as it is just part of people being unreasonable which is the norm these days. Of course, dealing with unreasonable mean people can just add up and get to you no matter how patient you are. Just do your best.

Try to just ignore other people’s bad behavior and just politely do your job. It is hard, but it is a good habit to get into. Turn the other cheek and take the high road.

You might also like:

Notary Etiquette 104 – a thorough course on etiquette
http://blog.123notary.com/?p=21132

Borrower etiquette from A to Z
http://blog.123notary.com/?p=2995

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September 8, 2019

The same signing dispatched from two services?

Filed under: General Articles — admin @ 11:01 pm

This is a new one on me. I never heard of this before. A Notary commenting on our blog claims that a job for a loan on a particular address was offered to him by two signing services at very different prices. One was a low-ball, and the other a more reasonable offer.

She says that the signing services are competing against each other. But, this is weird. What if they both dispatch the job at the same time to two Notaries. Or would that not happen because once they input the information into the server that the job would not show up any more?

I don’t know how the system works, but that is weird. It reminds me of what the airlines do where you pay for one airline and find yourself on another. Hmmm.

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September 4, 2019

Is GPS ruining our minds?

Filed under: General Articles — admin @ 10:58 pm

https://www.washingtonpost.com/opinions/ditch-the-gps-its-ruining-your-brain/2019/06/05/29a3170e-87af-11e9-98c1-e945ae5db8fb_story.html?noredirect=on&utm_source=pocket-newtab&utm_term=.d22afef6d055

GPS machines are causing us to think less, notice our surroundings less, and calculate less. Sure it is nice to know the most efficient way from point A to point B, but it is also nice to find things ourselves.

Conversely, I think that finding addresses used to be very hard in the old days. I would need a military flashlight at night to find numbers on houses, curbs, or mailboxes. GPS makes it easier to pinpoint what part of a block you are going to.

I guess I personally like GPS a lot because I travel to many cities, and it is hard to have maps to all of those cities. I remember my last trip to Texas and I drove from Los Angeles to Dallas to Houston, San Antonio, Austin, Fort Worth and then OKC. What a crazy trip. It tired me out. I might do it again but not for a while.

I find that once I have been to a place enough times, I no longer use GPS, even if it is far from home like El Paso. I just learn my way around. The hard part where GPS really helps is cut off streets, weird and unexpected locations for entrances to highways, and what to do when your street is shut down (happens a lot in El Paso.)

I am a map lover, and will always be. GPS or not, we still need to know how to read maps and coordinate our trips the way we want to. Over dependence on technology seems to be a limitation for our own development as a general rule.

As a final note, mobile notaries have enough to deal with, and GPS relieves most of the navigation headache. Back in the old days we had to follow constellations to figure out where the signing was as well as smoke signals. What do you guys think?

You might also like:

Notaries in cars getting coffee
http://blog.123notary.com/?p=18945

Notary apps you have never heard of that could change your life
http://blog.123notary.com/?p=16311

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August 29, 2019

I get so nervous when you call

Filed under: Certification & Communication Skills,General Articles — admin @ 10:53 pm

One customer said to me, “I get so nervous when you call, I feel like I am going to be quizzed.”

I am sorry that I make people so uncomfortable. I was reading online that alpha males make other people feel uncomfortable and inferior. But, I am only alpha about topics where I know more than others, or think I do. If you guys would become experts in your field rather than to just claim you are, there would be no issues acing my test consistently and no hurt feelings.

But, for those of you who do not like the idea of mastery, why be nervous? If you don’t value knowledge, why be nervous when you don’t have it?

You handle legal paperwork for a living. The financial consequences of screwing up a job are big not to mention the legal damages. It behooves you to know your job inside out. Why is it so difficult to convince everybody of this?

But, on a brighter note, in 2018 I abandoned quizzing people by phone unless they specifically requested it. It was too much drama and was effecting my health. Now I quiz by email mostly and only do a handful of phone quizzes. So no more nervousness when I call. It will be because you forgot to login or renew probably, and not a quiz — unless you requested a quiz.

You might also like:

Testing Carmen on a bridge in 2003
http://blog.123notary.com/?p=21264

My bad karma from testing people by phone
http://blog.123notary.com/?p=19447

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August 28, 2019

Certain things you don’t learn from experience

Filed under: General Articles — admin @ 10:53 pm

Notaries who have a lot of experience seem to forget that you can keep doing the same thing wrong for twenty years and nobody will correct you. People with thirty years of experience often know less than beginners. But, how is this so?

1. Document knowledge
If you want to know more about documents, you can read loan signing courses. You can also read the actual documents. Be aware that many documents have document variations and one document name could have multiple meanings. Therefore you need to be aware of all of the potential meanings and assume the possibility that the document might be completely different from what it normally means as well. Many Notaries go through their careers never reading documents yet claiming “familiarity with the docs.” If you don’t read them then you are only familiar with the names of the documents and not the actual content of the documents.

2. Handling situations
As a signing agent, there are many tricky situations you can get into. Experience might help you to figure out how not to botch certain situations, but might not teach you how to handle less obvious situations. Our course Notary Public 101 goes over twenty common situations where Notaries can get into trouble. No Notary on our site does a thorough job confirming the signing without reading our course. I suggest reading up on handling situations.

3. Notary knowledge
You cannot know the rules of notarizing or know how to explain specific notary acts unless you read about it. You might have performed 50,000 notarizations, but if you performed them wrong, then the experience is worth nothing, or might be counterproductive. Reading up on notary procedure and law might be a good idea. After all, you are handling legal documents.

4. Marketing
Many Notaries go through their career doing the minimum in marketing. You might make a lot more money if you took marketing a lot more seriously. We have many blog articles on the topic.

5. Thinking about danger
What if you are in a house and the borrower goes psycho. That doesn’t happen often. There are techniques for handling danger. Some Notaries sit closest to the door, or at a particular angle from the door so they can see who is coming in. Other Notaries can spot a house with health hazards a mile away and redirect the signing to Starbucks. I’m not sure if there are any good guides to dealing with notary danger, but you can surely try to think of all the possibilities before you go out on a job. Otherwise you have to improvise at the last minute like a comedian doing improv at the Improv!

You might also like:

Real life scenarios at loan signings
http://blog.123notary.com/?p=19681

The five year rule of notary experience
http://blog.123notary.com/?p=21089

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August 14, 2019

Millennial Notaries and gender roles

Filed under: General Articles — admin @ 11:33 pm

It has come to my attention that many of the millennial Notaries are confused about gender roles.

We had a male Notary who did not want to lead at a signing. He claimed that leading might cause offense to the others because they might consider the signing to be part of the male patriarchy. However, the signers felt differently. They did not know what to do, and the Notary did not help. So, they called the signing company and the Notary got fired.

Another Notary did not want to talk to the wife at the signing for fear that he might come across as male chauvinist. During the whole signing, the husband and wife kept looking at each other giving each other weird looks. They did not know what to think.

A third Millennial Notary did a signing at Starbucks. The signer asked the lady next to him what time it was and proceeded to make small talk. The Notary said, “Not cool,” because many Millennials think it is not cool (and scary) to approach women. Kind of reminds you of the Gillette commercial for Millennials. But, such a situation happened to me at a bar, where the male millennial staff member got all afraid because I wanted to ask one of the Chinese girls if she preferred effeminate guys to masculine guys. In China, masculinity is out, and guys who act like girls are in. Good thing I speak English like a guy, but speak Chinese like a girl!

My question to millennials is:
If men stop approaching women (and many have due to getting shot down) then how will people date, get married or reproduce? I think that the millennial brain is too small to think that far in advance. Additionally, if a man is not masculine (in more than just “for show” ways) then how will he provide for and protect his family? 33% of millennials live with mommy and daddy. Not very macho if you ask me. Glad my family kicked me out of the house when I finished college otherwise I would have ended up an adult baby like them. Good God!

If gender roles are flexible, then just have your husband get pregnant for you half the time and have him breast feed the baby. After that, I’m sure his male genes will be equally suited to parenting a two, three and four year old child while the female bread winner goes out and makes money. Only 10% of wives make more than their husbands. Gender reversal is the standard way of thought for millennials, but biology dictates that the results of such an action would be far less than optimal or impossible. I guess the political pressure on people stops them from thinking coherently. But, I know how to think.

Newsflash — men and women are not the same. When men go out, they get approached by women roughly 10% of the time. It happens but is rare. When you go out on a date, the man normally pays. When you have a family, the women normally depends financially on the man, especially when she is pregnant or has an infant. So, it looks like men are doing 90% of the hunting people down and providing and women are doing the child rearing, even in these politically correct times. Correct me if I am wrong, that the brainwashing has changed its message, but biology is still consistent with our ancestors in Africa 200,000 years ago. Hmm, do you think my African ancestors had rhythm?

You might also like:

A Millennial self-identifies as being a notary public
http://blog.123notary.com/?p=22269

The ADD culture and marketing your notary listing
http://blog.123notary.com/?p=22309

X is now a gender as well as a generation
http://blog.123notary.com/?p=22177

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August 13, 2019

The iPhone crisis

Filed under: General Articles — admin @ 11:32 pm

As we all know, society has changed since the advent of the iPhone. For me, an iPhone is a tool, just as the internet is. I use it to make money, communicate, and browse. But, I do not let the internet run my personal life nor do I go around staring at my iPhone 24 hours a day.

Whenever I go out, and particularly to Asian areas, I notice that Chinese seem to be glued to their iPhones. It is common knowledge that Chinese have some of the least developed social skills of any cultural group. But, this problem is not facilitated by burying their noses in books studying or iPhones while ignoring the world around them. Culturally, Chinese hate talking to strangers as well which compounds the problem. Every time I see a Chinese girl with an iPhone, the only thought that pops into my screen… I mean head is, “here we go again.” But, whites also do the same thing.

Shutting other human beings out of your life is not socially constructive behavior. Additionally, children being born might rather be born to a poorer family where the mother is emotionally available to the children instead of being focused entirely on her iPhone.

For those of you who don’t know, I am studying Chinese again. I started in 1986, and spent a lot of time in 1989 and 1990 studying. But, now I am upping my vocabulary and trying to get more practice talking before I go to Shanghai. I have noticed that I used to think that Chinese girls were unfriendly, but when I talk to Chinese guys, some of them take offense. Why? Being human is how God created us. Some of the people I am talking to are not completely human. Sorry to say, but true. I guess the females are less hostile to me than the men… Hmmm. What a world we live in… no wonder I’m lonely. I’m tempted to say, but I still have Mrs. Meao … aka Sheba, but she passed away many years ago and only visits me in dreams, even when there is no chicken involved!

You might also like:

Are Notaries becoming unsnapped?
http://blog.123notary.com/?p=21244

A Notary orders pizza at a signing using an app
http://blog.123notary.com/?p=19292

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