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February 23, 2019

TEA — Trusted Enrollment Agent

Filed under: General Articles — admin @ 9:30 am

What is a TEA, and do members of that profession get together once a year to have a TEA party in Boston?

The NNA offers a Trusted Enrollment Agent program. Those with TEA designation can do additional tasks that get additional jobs. TEA agents are trained to understand digital certificates which are used heavily in the biopharmaceutical industry. They also are trained to understand how to apply to obtain a digital certificate and do identity-proofing. They must also learn to identify and distinguish between different types of identification documents. I think they handle blood samples too, perhaps in a delivery function.

Word on the street is that TEA jobs don’t always pay well, but tastes better if you add a little sugar. But, any designation you can get will help. Personally, I feel there should be a choice between an Earl Gray TEA, and an Oolong TEA.

Q. Where does a TEA live?
A. In a TEA house.

Q. Which rap star is a Trusted Enrollment Agent?
A. I was thinking of Ice TEA, but I think he is doing mainly acting now.

You might also like:

Augmenting your skill set to make more money as an NSA!
http://blog.123notary.com/?p=14150

Forum discussion on TEA
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2416

Antiquated Notary Rotary discussion on TEA
http://www.notaryrotary.com/archive/forum/2010/March/NNA_s_Trusted_Enrollment_Agent_TEA_.html

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January 14, 2019

Merit, Pay Grade & Answering Emails

Filed under: General Articles — Tags: — admin @ 12:33 am

Notaries complain all day long about everything. The ones not getting work seem to do more of the complaining. Notaries complain that they don’t get work, and that the pay is low, and that they often don’t even get paid. Here is my rebuttal…

1. If you don’t have a solid knowledge of Notary work, why do you even merit to have a notary seal? Sure the state governments just hand them out like candy canes at a Christmas party, but do you really deserve one?

2. If you complain about being quizzed, do you merit a notary seal in the first place? The notary profession is one that I take seriously because the security of people’s life savings are in your hands. One fake ID, and someone could lose their house with no paper trail since most of you do not keep thumbprints in your journal if you even keep a journal. You are playing with fire.

3. Many of you don’t answer your phone ever, and when you do, you refuse to talk. How can anyone good deal with you if you are impossible to talk to.

4. Last, but not least, since I got so much flack calling people with notary questions, I have resorted to emailing Notary questions. But, 95% of people simply do not answer the email. How can you have a professional relationship with people if you do not answer emails? That means that only 5% of you are worthy of being considered for being hired, and that is only if your knowledge is up to par.

The bottom line is that in the current condition of American Notaries, only 2% give or take merit being hired at all at any pay grade. The rest of you need to work on learning all about all aspects of notary work, answering your phone, talking, and answering emails, being cooperative, not whining so much and being professional rather than just claiming to be professional.

The condition of the people in this industry is bad beyond belief and only you can prevent forest fires and increase the average quality of American Notaries by being one of the good ones (not claiming to be one of the good ones) yourself.

Summary
Basically, what I am trying to say is stop whining, and start acting like a professional Notary which starts with understanding how to be a notary which is something only about 3% of you know how to be with any proficiency.

You might also like:

How much do you merit as a signing agent?
http://blog.123notary.com/?p=19188

You want to get paid well as a mobile notary but do you merit a good rate?
http://blog.123notary.com/?p=16687

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January 9, 2019

Is 123notary tearing notaries down or building them up?

Filed under: General Articles — admin @ 12:32 am

One Notary wrote to me claiming that we tear Notaries down. This may seem to be the case if you talk to Notaries who antagonize us. Because those who are rude to us often get a rude response because we have had enough with rude Notaries! In the long run, you need to be cooperative and polite to survive in this business.

123notary not only sells courses to help Notaries to be at the top of their knowledge, but publishes not hundreds, but thousands of helpful blog articles specifically tailored to help Notaries with all of their marketing needs and knowledge needs (which they don’t always acknowledge as needing.)

If you want to spit in our faces and antagonize us, you will probably see us as tearing you down. However, if you cooperate in our attempts to educate you, you will find that we offer free help that NOBODY ELSE will offer at any price. Take us for granted if you like, but the serious Notaries often give us a big thank you after we have helped them.

One reason Notaries might feel we tear them down is that when we quiz people, if they get mostly wrong answers, we will tell them that they don’t know what they are doing. Whose fault is this? Is it my fault for telling them they don’t know how to be a Notary or is it their fault for endangering the public and themselves and my reputation by having no clue what they are doing.

Being a good Notary protects you from:

1. Engaging in illegal notarizations which might include:

(a) Refusing to notarize when the request is perfectly legal
That can get you sued if there are damages. If someone cannot complete a sale on time and lose a few thousand, they can sue you and we have stories of this happening to our Notaries!

(b) Agreeing to notarize when the request is not legal
How would you know if you don’t understand notary law. The majority of Notaries do not understand the rules for the various common Notary Acts such as Acknowledgments, Jurats, Oaths, Affirmations, and Proofs of Execution. By misunderstanding the rules, you are likely to commit illegal acts daily which you might never get caught for, but it is still illegal and you could eventually get caught.

(c) Failing to administer an Oath or a relevant Oath when required
This can end you up in jail for five years on a felony. We have heard stories of several Notaries who got busted by judges for this and lost their commission. I did not hear of anyone being put in jail. But, I heard that some judges consider failing to administer an Oath when you said you did in writing to be perjury which is a felony and is a Federal offense not governed by your particular state rules.

(d) Failing to fill out a journal
If you don’t keep a journal or use short cuts, you might not have adequate evidence in court of what actually happened at a transaction. Those who have thorough records often get out of long court cases and I have stories from our Notaries to back up that claim. It only takes two minutes per assignment and can save your neck.

(e) Thumbprinting
Failure to keep a journal thumbprint would make identity thieves hard or impossible for investigative agencies to catch. Showing the FBI your journal entry with a fake ID’s serial number inscribed within it leads them into a brick wall.

(f) Additional information in Acknowledgments
Many Notaries feel that since this information below their stamp is optional that therefor they should not fill it out. Acknowledgments can fraudulently be swapped from one document to another if not thoroughly identified by use of the optional and additional information section. The NNA does a good job of creating these forms and I recommend them as a vendor.

If you think being a slipshod Notary is okay — I have elaborated the damages that it can cause you and society above. If you think that you are a great notary simply because you never got in trouble… yet… you could get in trouble, and the consequences are so severe, that it is not worth playing with. This is part of the reason why 123notary wants all Notaries listed with us to know their stuff up to our standards (not your standards or your state’s standards) because our standards are practical and will keep you out of most types of trouble you could get into. Additionally, it looks good and is proper to know your trade to a particular knowledge level.

You might also like:

What makes a preferential listing do well on 123notary?
http://blog.123notary.com/?p=22110

The reason why 123notary scrutinizes its notaries
http://blog.123notary.com/?p=20803

Compilation of posts about 123notary
http://blog.123notary.com/?p=20648

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January 8, 2019

Spousal States List

Which states are spousal states for Notary Loan Signing?
Alabama
Alaska
Arkansas
Colorado
Florida
Illinois
Iowa
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
North Carolina
North Dakota
Ohio
Oklahoma
South Dakota
Tennessee
Vermont
West Virginia
Wyoming

Note
If you are a married homeowner in a Spousal State, your spouse is required to sign certain documents to attest that he or she is aware of the new loan.

Typically, the spouse will need to sign the Deed of Trust, the Right to Cancel, the Truth-In-Lending (TIL), and a few other title and settlement documents.

Your spouse is not financially responsible for the mortgage transaction by signing these documents as long as they are not on the note (the note is the legal-binding document that defines the terms of the loan and who is responsible). They are just acknowledging that a new mortgage is being taken out against the property.

It’s also important to mention that anyone on the deed to your home must also sign the spousal documents, whether you live in a spousal state or not. All owners of the home must acknowledge that you are borrowing against the home.

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You might also like:

Spousal States List on the Forum
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4329

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

Signing Agent Best Practices
http://blog.123notary.com/?p=4315

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January 7, 2019

The reason why 123notary scrutinizes its Notaries

Filed under: General Articles — Tags: — admin @ 12:31 am

Most complaints about Notaries listed on our site never get back to us. People do not want to publish negative reviews because the information is online, the reviewer’s and reviewee’s name is on it, and the reviewer often fears legal retaliation or other types of retaliation. However, here is a review where the person complaining claims that because she found a bad Notary on 123notary, she will probably not use our site again! I personally lose when you ditch your customers that found you on my site — and that is why I want to make sure you are both responsive and know how to be a good Notary.

Text From Review with names taken out for privacy.

I will start off by saying the first time I spoke with (name of Notary omitted), I was very pleased. She seemed very friendly and convenient. I had scheduled an appointment with her over last week to meet this Monday at 11am. She agreed and told me to leave a message of the address, as I did. I never heard back from her for a conformation on meeting, so I called her this morning 11/21/16 at 8:39 and asked her if we were still okay to meet this morning at 11am. She said yes and I said okay great sounds good.

I showed up and there was no one. I waited in the parking lot for about five minutes before I tried calling her cell. It was turned off and went straight to voicemail. So I hung up and sent her a message letting her know I was there and waiting if she was lost to let me know and I’d help with directions. I tried her second number and it rang a few times then went to voicemail. I left a message again stating I was there and if she needed help to let me know. I also sent this number a text message as well. I tried calling a couple times again and figured maybe she was running behind.

By 11:35am, I had yet seen or received any contact information. I could not longer wait for her, so I had no choice to leave. So not only did this cause me to be upset, but a disappointment as well.

I had driven 72 miles there which was an hour and a half of my time up, plus another 72 miles and an hour and a half back home, for a no show. I was very disappointed that I was unable to have the services we had scheduled to not be completed.

I do not like to report non satisfaction reviews but this was a total waste of my time. A simple phone call saying this needed to be rescheduled, or that the service was unfortunately unable to be done today, something came up, or something. Instead I got a no call no show. I would not recommend this Notary again due to the inconvenience this has brought on to me today, as well as the returning phone calls that I never received a few times when I had left previous messages to her before this incident today. I just gave her the benefit of the doubt previously due to understanding she has a life and work and being busy. But again for the service today with being unprofessional that I was not contacted and wasted my gas,time, wear and tear on my vehicle, sitting and waiting for her, and the inconvenience and not even being able to return my phone call yet (as it’s 3:06pm) to apologize for this situation I will never recommend her again and probably never use the 123Notary website again. Thanks for your time and reading this review.

You might also like:

Is 123notary building its notaries up or tearing them down?
http://blog.123notary.com/?p=20805

One notary on Notary Rotary wants to be treated like a professional
http://blog.123notary.com/?p=21077

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January 3, 2019

One Notary on NR wants to be treated like a professional

Filed under: General Articles — admin @ 11:43 am

One Notary I read about on Notary Rotary thinks that having continuing education and being retested every year or two is the same as not being treated like a professional. I beg to differ. I have a colleague who is an accountant, therapist, pre-natal trauma expert, and has other skills as well. In all of his professions he needs to take courses, past tests, be reviewed, etc. My housemate works at H&R Block and every year she has many courses to take — not just one. It takes her months to get through all of it.

People in professions routinely are scrutinized, have to take courses, pass long examinations, and more. That is normal and part of being “treated like a professional.” If you think that being asked to brush up on your skills is not treating you like a professional, the problem is that YOU are not treating yourself as a professional and you are not treating your profession like a profession.

Can you imagine if you went to doctors who had out of date equipment, out of date knowledge, perhaps made a misdiagnosis because they got senile and nobody checked up on them. Or they didn’t read up on some new drug findings and gave you some medications that had been found to be toxic or deadly? There are many reasons why people need to study up a bit each year.

NNA makes people recertify. They have the corner on the certification market and people think they are God, so people do it.

123notary is quizzing people from time to time on an “as necessary” basis. Since we have a much lower status than God, (we are not even treated like a prophet or messenger of God.) people do not value our certification — so we took it away from more than a thousand individuals. Studying a little is not hard, and you need to know this basic information anyway to be a safe Notary.

Many of the older Notaries have gone senile, and developed cranky attitudes in their old age and are not delivering the same top notch service they did when they were younger. In Japan, age is considered a merit. In America, merit is the only merit that we care about.

I am getting old and cranky too because it is so difficult dealing with most people. So, I understand your frustration. But, understand mine. I need to have an accurate assessment of everyone’s knowledge and reliability, and that comes from keeping a track record and quizzing you from time to time like you would test a professional.

Perhaps I need to have a more formal test and formal ways of informing people when the test will be.

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December 19, 2018

Beginner Notaries 103 — Additional Reading List

Filed under: General Articles — admin @ 12:52 pm

Beginner Notaries 103: Additional Reading List
Return to Table of Contents – Beginner Notaries 103

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Are you starting out as a mobile notary and don’t know which direction to turn? We know where you should turn and what you should read. So, indulge yourself in this reading list.

How to write a great notes section if you are a beginner

How to write a notes section if you are a beginner

Notary information for beginners — best posts

Notary Information for Beginners – Best Posts

Why you should consider getting 123notary Elite Certified

Why you should consider getting 123notary Elite Certified.

Real Life Notary Scenarios

Notary Public 101 — Real Life Notary Scenarios

The 123notary 30 point course
http://blog.123notary.com/?cat=3442

Signing Companies that hire new Notaries

Companies that will hire NEW signers!

How to become a successful mobile notary from scratch

How to become a successful mobile notary from scratch

Is having an NNA background check necessary for work?

Is having an NNA background check really necessary to get work?

How to write a notes section if you have no experience

How to write a notes section if you have no experience

5 or 6 reviews doubles your business

5 or 6 reviews doubles your business?

A comprehensive guide to Notary pricing

A comprehensive guide to Notary Pricing

How do you create a seamless Notary experience?

How do you create a seamless Notary experience?

10 ways female notaries can protect themselves

10 ways Female Notaries can protect themselves

Signing Agent Best Practices

Signing agent best practices: 63 points

Basic technical information for new Notaries

Notary Information for Beginners – Best Posts

Cattle Call Notary Offers

Cattle call Notary offers

$30 loan signings — is it worth it?

$30 loan signings. Is it worth it even in the best of circumstances?

2014 excerpts from great notes sections

2014 excerpts from great notes sections

Wannabe #1 on 123notary? Consider this first

Wannabe #1 on 123notary? Consider this first!

What’s your monthly marketing plan?

What is your MONTHLY notary marketing plan?

Names for Notary businesses with commentary

Names for Notary Businesses with Commentary

Tips for avoiding liability with the elderly

Tips for avoiding liability with the elderly

How much E&O do I need?

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

Who is the authority at a signing?

Who is the authority at a Notary Loan Signing?

What’s your sign? A guide to spotting fake ID

What’s your sign?

Winging it as a Notary

Winging it as a Notary

If you are named as an identity theft conspirator, you could pay $20,000 in legal fees

If you’re named as an identity theft conspirator, it could cost you $20,000 in legal fees

13 ways to get sued as a Notary

13 ways to get sued as a Notary

10 risks of being a mobile notary public

10 risks to being a Mobile Notary Public.

Airplane meals vs. Oaths and Affirmations

Airline meals verses Notary Oaths & Affirmations

Ken’s list of things Notaries might goof on

Ken’s list of things Notaries goof (or might goof on.)

Most of what Jeremy and Carmen at 123notary offer all day is free!

Most of what Jeremy & Carmen at 123notary offer all day is FREE.

When to refuse a notarization – a comprehensive guide

When to refuse a notarization: a comprehensive guide

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November 19, 2018

The five year rule of experience for Notaries

Filed under: General Articles — admin @ 11:48 am

For some reason, Notaries with exactly five years of experience are the most popular. Notaries who are new to our site tend to get poor click averages. Notaries who have been around for eight plus years tend to get apathetic and see a decline in clicks that increases little by little.

Notaries who brag that they have twenty years of experience need to understand that in our experience working with tens of thousands of Notaries, twenty years of experience equals someone who is generally sluggish, tired, washed out, arrogant, and rusty on Notary knowledge since they generally haven’t brushed up on their skills in decades.

If you want to brag about your experience, brag that you have exactly five years of experience. It is kind of like Fran the Nanny from Queens who says 29 for the rest of her life and never gets a day older. It is a good age to be, especially if you are still single.

Rough Stats: Clicks per day average for high ranking listings that are not 123notary certified.

12 years 1.4 clicks
8 years 1.2 clicks
5 years 1.8 clicks
3 years 1.3 clicks
1 year .7 clicks

Please keep in mind that these clicks are based on higher placed listings and there were few averaged. According to these results the 8 years people got less clicks than the 12 year veterans, but the trend shows a slow decline in clicks as people get settled into apathy and decline. The first five years of your career you develop technical and business knowledge that makes you better. Then, you get tired of learning, perhaps cocky and go into a decline cycle. On a brighter note, name recognition really helps in this business, so if your name has been around forever, you might get a lot of work just based on name recognition from the old timers at signing and title companies who know your name.

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You might also like:

Documenting your experience and personal style in your notes
http://blog.123notary.com/?p=19052

Experienced signers are being weeded out of the industry
http://blog.123notary.com/?p=16747

Best blog articles for advanced Notaries
http://blog.123notary.com/?p=14736

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November 16, 2018

Why I do what I do and why I get impatient

Filed under: General Articles — admin @ 11:43 am

People don’t understand me. They think I am some mean ogre. They need to understand why I do what I do, what I am up against, and why I get impatient.

Why I test people
I want 123notary to be the best site ever and to be very helpful for title and signing companies and individuals to find the best notaries in town. But, how can I offer the best notaries if I don’t know which Notaries are good. Most notaries are very arrogant and claim to be good when they know almost nothing about notary work. This is not only arrogant but deceptive and dishonest which is not integrous behavior. Notaries are supposed to be the most honest members of society and not a bunch of liars.

So, to find who are the best Notaries I tested people. But Notaries are angry people and get mad if you dare to challenge their God-like knowledge. They also are evasive and try to get out of being tested because after all — why should they be tested when they are professionals. In real life professionals get tested the most and treating people like a professional is to test their knowledge if you are a hiring party, licensing board, etc. Since licensing boards to a lousy job testing notaries, I have to pick up where they leave off.

So, I need to test notaries if I want to know who the best ones are. Really only 3% of our Notaries have a minimally acceptable knowledge about the industry which is very sad. In real life I cannot get that many Notaries to study either as Notaries do not value industry specific knowledge because after all — they are professionals and already know what they need to know according to them. My test results indicate that 97% of the notaries on our site are flunking my quiz and are far from being professionals.

Asking the same question 100 times per day
If you have to ask people the same question 100 times per day and 50 of them give you the run around, argue, evade, or get hostile with you, how would you feel? Even easy questions such as, “do you have a dual tray laser printer.” is a tough one. I get these long multi-paragraph answers and them am accused of being rude if I ask the person for a simple yes or no. Putting up with this crap all day long can lead anyone to lose their temper. Everyone I hired to do outgoing phone calls quit. Since I cannot quit, I put up with this bad notary behavior, but I don’t like it and I do lose my temper. If Notaries would focus on being polite, helpful and answering questions in the format that they were asked, I would not lose my temper. It is so bad, I have decided to do most my questioning by email which still results in strife, but not as badly.

Long hours
When I make phone calls I have nobody to help me. Carmen does incoming, but does very few outgoing calls. I have to make hundreds of calls in a day and have very little time. Most of the people I deal with cannot just answer questions. They have to be difficult, hostile, child-like, deceptive or give me a hard time in one way or the other. It doesn’t matter if I am asking questions about their counties, notes section, printer, or notary knowledge — Notaries are generally difficult, and I have to put up with it. If there were more notaries in the industry, I could just refuse to list the difficult ones. But, there are not enough good Notaries to go around, so once again I have to put up with this. After five hours in a row of calling with no food, no break and endless back talk, I have had it. I lose my patience.

Basically, you guys can complain all you like about me, but it is your rudeness as a group that causes my impatience. It is only 40% of you who are rude and many more who are difficult, but when you talk to 200 people in a day and 80 are rude, that really adds up. Try to see it from my perspective. No other profession has this high a percentage of really difficult people.

Try to see it from my perspective
I have to put up with endless whining, irresponsibility, refusal to learn, back talk, and complaining from Carmen, and it all adds up. It is more than I can take. So, if I call you, just be nice, answer questions with helpful answers that are not long winded, and we will have a positive call. If I ask a yes or no question, don’t tell me a long story, just give me a yes or no. If I ask your counties, don’t tell me what you charge for the eastern portion of east Nowhere County, just tell me the names of the counties. If I ask you if you are still in business, don’t ask if I have a job for you, we run a directory — we just need to know if we should continue to list you. Keep your answers short so I don’t have to cut you off and then be accused of being rude. It is rude on your part to subject to endless and inconsequential rambling as a normal form of communication. It wastes my time and is bad for my temper. I should not have to put up with this type of unprofessional behavior.

You want to be treated like professionals, but few of you act like professionals. So, learn to be a helpful professional and instead of complaining about me — take an honest look at yourself!

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November 3, 2018

It is so frustrating

Filed under: General Articles — admin @ 10:38 am

I know the Notaries are sick and tired of me asking them questions. After all, they are experts and professionals who know everything, so they don’t need to be asked questions. Unfortunately, their test scores seem to average around 50%, and the ones who brag, more like 40%

I spent so much time creating free study guides. People read my guides by the thousands, but when it comes to reading them when you are doing an email quiz, most people do not. I give instructions in my email quizzes where to go for reference materials. It is sad that people will get a 50% who could have gotten an 80%.

Failing person after person after person — it just gets me down. I hate taking people’s certifications away from them. But, if they are dangerous as a Notary, it is the only way I can protect the public.

Now, I sent out about 200 emails asking people scenarios questions. Carmen and I think that how you handle real life situations, some of which are curve balls or look like a curve ball — is more important than whether you know the basic notary terminology although you need that too. We teach the basic scenarios to keep you and your clients safe. But, do you learn the material well enough? Very few do which is sad.

On a brighter note, since I have been screening notaries more, the new signups on 123notary have been better. Maybe we will turn into a fancy Beverly Hills type site that caters to the best and forgets about the rest. But, there is no reason why all Notaries cannot be their best. It is dangerous not to know your stuff and can lead to getting fired, legal liability and even ending up in court. It is no joke and there is no excuse not to be at the top of your game at all time.

Even if you only do one notarization per month, if you goof, you can still cause a lot of loss to someone. So, if you are doing to do even one notary act in your future, be an expert and know what you are doing.

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