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December 2, 2019

Lies and deceit that Notaries engage in

Filed under: Business Tips — admin @ 6:01 am

Oh, such drama — lies, deceit, treachery, and more. Yikes! Here are some things that Notaries BS about. See if you see your own behavior anywhere here and then fix it!

1. Experience
When I ask Notaries how many loans they have signed, the answer normally comes in years. That is a bait and switch. I ask one question I get an answer that is completely unrelated to the question. 16 years of notary experience doing one signing per year is not much which is why I want number of loans. But, when I ask a Notary on Monday how much experience they have and then again three months later, often the number goes down, not up. Doesn’t # of loans signed mathematically have to go up with experience? It is kind of like age, most people I know don’t get younger.

2. Familiarity with the docs
If you are so familiar, then why can’t you pass our certification test? You say that you are a Realtor and therefore you are familiar with loan documents, yet you can’t explain more than 20% of them. This is a snow job once again.

3. Bragging
If I ask a question, most Notaries have to answer the question and then insert a lot of unasked for additional information which just sounds cheap and cheesy. If you are from Wisconsin, I can understand cheesy, if you are French, then perhaps a Brie, and if you are from Nebraska I can understand corny. But, the rest of you have no excuse. Just answer questions as they were asked.

4. Saying you dropped the package.
Some Notaries claim to have dropped the package at one time when they really did not. Hmm.

5. Drama
Sometimes a borrower will be rude to the Notary and then the Notary will be rude back. When the complaint comes in, sometimes the Notary will discuss mainly all of the terrible things that the borrower did and not be honest about what they themselves did.

6. Certifications
Many Notaries who are not or who are no longer 123notary certified will say that they are in their profiles. Hmm. It’s hard to prove your 123notary certification when you don’t have the green icon, isn’t it?

7. Error Rate
Bragging about your 0% error rate is stupid, because anyone can claim it and there is no way to prove it. We all make mistakes. The same people who brag about their perfect performance are the ones who make spelling mistakes in their profile.

8. Vagueness about their Mortgage experience.
It is sometimes a bad thing to be a Mortgage Broker as that can indicate that you are a competitor. So, many just claim to have been in the Mortgage Industry for ten or twenty years. This is really beating around the bush. It is better to state what position you had or leave it out.

Summary
Notaries are notorious for snow jobs, smoke screens and all out blatant dishonesty. In a profession that is based on integrity this is really outlandish, but reality. Trying to pass yourself off as an expert when you know very little or hiding information about yourself is just not honest or straightforward. Very few Notaries can just stick to the facts, but those are the ones that buyers like. So, try to think of how they feel on the other side of the table.

You might also like:

When a title company lies to you
http://blog.123notary.com/?p=19349

Protecting yourself with a contract
http://blog.123notary.com/?p=2593

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December 1, 2019

What do successful Notaries do that you don’t?

Filed under: Business Tips — admin @ 6:00 am

We all want to be successful and we all think that we are experts at our job. But, are we really? Here are some things successful Notaries do that the others don’t do.

1. Keep your profile managed regularly.
What does this mean? You have to login, make sure your hours, counties, notes, and reviews are as current and thorough as they can be.

2. Keep your knowledge up and keep reading.
Serious Notaries read the various blogs and forums. They also take courses and get certified by more than one agency. Instead of claiming to be so great, they get a reputed third party such as the NNA, 123notary, Notary Rotary, etc., who has an impartial test, passes the test and then has credibility. Serious Notaries keep reading and have a never ending thirst for knowledge.

3. Knowing who to extend credit to
This is one of the hardest aspects of being a Notary. The tendency is to get as many jobs as possible. But, smart Notaries say no to bad jobs, jobs from companies that have payment issues, or jobs that pay too little. As a Notary it behooves you to have standards, but try to keep the standards reasonable as well, especially if you are new or if business is slow.. Don’t let companies rack up a huge bill. If they owe you more than $300, then ask them to pay up before you do more jobs, or Paypal you for future jobs.

4. Setting terms and having contracts
This is for the very advanced Notaries but some people do have a contract for others to sign. This is taking the upper hand and others might not be willing to sign your contract unless you are a top notch Notary — after all, why should they if you are a slouch?

5. Scheduling
Successful Notaries know how to schedule their day and get rid of packages fast so that they are not late.

6. Equipment
Good Notaries have top notch equipment and fix it fast if it breaks. They know how to download anything, anytime and anywhere and don’t make excuses. A good dual tray laser printer is a good place to start although you need good scanning and faxing equipment as well

7. Watching your email
Jobs can be dispatched through apps, email and by phone. So, a good Notary keeps a constant watch of all of these mediums.

8. Other sources of income.
Relying on Notary work when times are slow doesn’t make sense. Smart Notaries realize they need to diversify. We have a handful of full-timers who make a full living at this job. But, the majority cannot, so try to be realistic and have multiple streams of income.

You might also like:

How to become a successful mobile notary from scratch
http://blog.123notary.com/?p=13340

Beginner’s Notary 103 Reading List (Resources)
http://blog.123notary.com/?p=21120

How to write a notes section if you are a beginner
http://blog.123notary.com/?p=16698

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November 30, 2019

What do people like about being a mobile notary?

Filed under: General Articles — admin @ 5:59 am

There are many reasons why someone would become a mobile notary. There are also other reasons why a person might continue to be a mobile notary. Here are a few.

1. Work your own hours
Are you tired of the 9-5 hussle and hassle? Working your own hours is great. You can also do other gigs between notary jobs, or take other gigs when there normally aren’t any notary jobs. You can also work a part time or full time job and keep doing signings.

2. Drive
Some people were born to be on the road (again). If you love to drive, being a mobile notary will keep you busy. You can work on the road, eat on the road, and just remember not to sleep on the road as that might be dangerous.

3. Meet new people and then notarize them
It is like being in the armed forces. Go to foreign countries, meet new people and then kill them. Instead of killing them, you notarize them — it’s the next best thing — trust me. You will meet people from all walks of life. You will know every end of the spectrum of middle class (boring) as well. Just like a snobby British upper class lady once said, “A marriage made in middle-class — how pedantic.” And then the sarcastic New Yorker said, “She could have done worse.” So take your pick. You can also meet criminals, kidnappers, arsonists, frauds, strippers, porn actresses and more. But, for the most part you will meet very “pedestrian” middle-class Americans who are so boring that you should have a cup of Joe before the signing to ensure you don’t fall asleep. On the other hand if boring is your thing — you will meet the right demographic. On a brighter note, if you live near a fun town like Santa Monica or Hollywood, you might meet more fun people.

4. Deter fraud
It brings meaning to my life to be part of reducing the amount of fraud in this world. Fraud creates uncertainty and suffering and the angels would prefer that we keep our world clean and orderly and that is why I believe they chose me to run this directory as I try to keep things ship shape. Notaries who are thorough make it very hard for frauds to get away with anything. Using that raised seal embosser on every page of every document you notarize, checking ID’s carefully and thumb printing makes it hard to do anything suspicious.

5. Reading our blog
Some Notaries like being a notary just so they have a legitimate excuse to read our zany blog. Yes, the comedy articles on the blog make the whole nightmare of being a mobile notary all worth it in the end. Laugh your way to success.

6. Money
Believe it or not, some people make good money in this profession, or at least used to. And others make a good supplement to their income too. If you are efficient allocating your time, you can make good money at least on an hourly basis. You should see what Carmen rakes in for very quick jobs taking less than an hour from door to door.

7. Retirement
Being a mobile notary is a great way to spend your retirement. It is hard to work full-time as an elderly person, but as a notary you can work as much as you feel up to it.

8. A good job after you have been in Mortgage
If you were in Mortgage for years, being a mobile notary is a natural continuation as your knowledge will carry over to a particular extent as a notary.

9. Stamping
Some people find it theraputic to stamp things, and as a notary, that is what you do every day. It might make you feel official.

10. Reading up on legal aspects
Being a Notary means you have to read up on the legal aspect of being a Notary Public. You need to know all of the identification procedures and all of the various notary acts. There is a lot to know and many people enjoy learning the legal distinctions. And then there are others who are so afraid to commit UPL that they fail to learn Notary law themselves and end up committing crimes out of ignorance on a daily basis. You might like giving Oaths too — I swear! Hmmm.

So that concludes my little article on why you might like being a mobile notary. I hope that you all now see the positives in your career and don’t regret being in this profession.

You might also like:

Certain things you don’t learn from experience
http://blog.123notary.com/?p=22572

Is prioritizing a skill a notary should have?
http://blog.123notary.com/?p=22291

13 ways to get sued as a notary
http://blog.123notary.com/?p=19614

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November 28, 2019

What would make the notary profession better?

Filed under: General Articles — admin @ 5:57 am

Notaries get together on the forums and complain about the profession. Sure there is a lot to complain about, but what can be done to make the profession better? Also, if it is so bad, then why do you stay in this industry — are you stuck here?

1. Less fax backs.
Perhaps it is necessary to check people’s work, but if someone has done x amount of error-free signings, shouldn’t they be able to get away with not faxing back every page?

2. Faster pay
There is no reason to make Notaries wait 60 days to get paid. Payment should be within 30 days with no exceptions.

3. Borrowers who are more fun
Personally, I’m tired of meeting people like the Smiths, or the Jones who are just plain plain. Boring! I want fun signers like comedians, criminals, world travelers, acrobats, etc. I would pay to notarize borrowers who were actors who would be a little more fun.

4. Better blog articles
I’m doing my best people. You could write some material too and share it with the group on our blog. Why do I have to do all the work?

5. Less traffic
Sorry, that is out of my control. But, there is a guy named Scotti who can beam you up!

6. Shorter packages
How about a loan that is three pages. You would be in and out in minutes. But, in the real world that will not happen.

7. Faster printers.
How about a printer that can print 200 pages in four minutes?

8. Cheaper paper and toner.
Not in this lifetime.

9. Fun courses
If we could have live seminars with lessons taught with comedy, that would be much more fun than our blog course and online courses. But, it is too difficult to get people together in the same place at the same time, so try to deal with what you do have.

10. Better pay
But, if there were more money, there would be much more competition and 99% of you would be weeded out of the game. So, be careful what you wish for.

The end!

You might also like:

I’m a high end notary in a low-ball world
http://blog.123notary.com/?p=22263

Will the election help the notary industry?
http://blog.123notary.com/?p=22267

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November 24, 2019

Best kept Notary secrets

Filed under: Business Tips — admin @ 5:54 am

Every profession has secrets, but what are the best secrets a Notary could know?

1. Getting reviews on your listing will more than double your new calls.

2. If the ID has a shorter name variation than the docs do, you can put that same shorter name variation on the Acknowledgment and notarize.

3. If you are notarizing John and Sally and the acknowledgment is prefilled, but Sally can’t make it — pick a new loose acknowledgment from your back and start over.

4. You can get free courses on the 123notary.com blog. Email us if you can’t find them.

5. Carmen knows how to make $200 in less than an hour doing Notary work. Can you figure out how she does it?

6. Answering questions the way they were asked instead of trying to bombard the caller with unwanted self-promotion gives a good impression.

7. Check your email, phone and texts all the time or you will get left behind in this ADD millennial culture.

8. If you can print in your car you will save so much time driving back home.

9. Don’t offer credit to companies who are not reputable and limit credit to those who are trustworthy or you will eventually get strung along.

10. Don’t hate the portal – hate the game!

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Do you take control at a signing?
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Elite Certification will benefit you for the rest of your life
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November 21, 2019

Should you meet a Notary at a coffee place?

Filed under: Business Tips — admin @ 5:51 am

Coffee places are a nice place to meet for a variety of reasons. You can meet friends, have a first date, a last date, or just hang out by yourself and browse your iPad while drinking frappachinos. Here are some reasons why coffee places are nice:

1. They are easy to find compared to finding the address of a residence in the dark.
2. They have easy parking normally
3. It is a comfortable atmosphere to talk to people or even sign papers.
4. They have really good espresso although I have mixed opinions about the biscottis.

Coffee places also offer neutrality. No, not gender neutrality (I think I’ve beaten that horse to death.) But, you can feel safe there as opposed to going to someone’s house at night. After all, what if they are in a bad neighborhood, or what if you are some paranoid woman who is afraid to go to someone’s house?

Also, if you have to wait for the other person to show up, a coffee house is a nice place to wait around. After all, you can have a latte while you waitte. I think I spelled wait wrong — but… what.. ever…. In theory, you could arrange appointments all day long and just hang out at that spot. It might get boring, but you would be on a first name basis with the various barristas.

So, go meet a Notary at a coffee spot and have a caffeinated notarization. Your signature might be a bit jittery, but that adds character to the signing.

You might also like:

Notary Starbucks – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Have you ever been tempted not to go into a borrower’s house?
http://blog.123notary.com/?p=15369

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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 28, 2019

Notaries are supposed to be ethical, but how do you test for that?

Filed under: Etiquette — admin @ 11:49 pm

One Notary commented on my blog that there needs to be an ethics test for Notaries, but how do you do that?

How about a multiple choice test.

If a customer offers to bribe you to backdate, should you:
1. Accept the money
2. Report the guy to the government
3. Just say no (and say it politely)

In real life when you are under pressure you might do all types of things. But, what about a secret test. What if people would come to get notarized and ask you to do illegal or unethical things. If you complied, you would get in trouble. What if those people secretly worked for the government? I believe in undercover testing of character. Because we all claim to be upstanding citizens, but most people are a bunch of liars. So, let’s catch people in the act.

You might also like:

Texas suspends a notary who notarized a document about Stormy’s hush money
http://blog.123notary.com/?p=22331

10 risks of being a notary public
http://blog.123notary.com/?p=19459

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October 19, 2019

How much credit should you offer a signing company?

Filed under: Business Tips — admin @ 11:42 pm

Many Notaries get strung along and not paid simply because they offer loans (in the form of accepting delayed payment) to lots and lots of signing companies.

My question is, how much credit should you offer? If they have a good payment record, perhaps $300 of credit, if they are new to you, perhaps $200, or bad reputation perhaps one job at best?

The bigger issue is that Notaries really need to spend more time thinking about this issue. Because, the #1 issue affecting Notaries at least in the past is not getting paid. If you stop lending lots of money to people, getting paid back will become a much smaller issue.

If you got paid up from Paypal style from half your jobs, that would cut your billing issue in half. As I discussed in another article, the labor of billing and the risk of not getting paid justifies a 10% or more discount if someone pays up front with Paypal. Do the math.

The real problem is when Notaries who are desperate to work rack up a $3000 bill with a particular company and then the company goes out of business or runs into financial issues. You really need to decide where to draw your line and then stick to it. Non-paying companies are only half the problem, the other half is non-line-drawing Notaries. You can only get ripped off if you let people rip you off.

You might also like:

Notary Marketing 102 – getting paid
http://blog.123notary.com/?p=19794

Trouble getting paid? Try our demand letter!
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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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