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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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October 7, 2019

How often do you do a clean up job because Notary #1 botched the signing?

Filed under: Business Tips — admin @ 11:21 pm

Most of the more experienced Notaries out there have done clean up signings. It is amazing to see what types of errors the initial Notaries made. Forgetting to have borrowers sign, forgetting to have acknowledgment wording, or forgetting to cross out the pronouns. Sometimes it is missing initials, or missing pages. Many Notaries do not know how to date a Right to Rescind, and I find this out when I test them.

No wonder so many companies want you to fax every page to them. There are so many careless and sloppy Notaries out there. Notaries used to do better on my testing 15 years ago. Things have gone downhill and so have fees. This gives more work for people I call, “The cleaners” — sounds mafia.

What are the sloppiest errors you have seen while doing a clean up job?

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A Los Angeles detective seizes two journals and complains about a thumbprint
http://blog.123notary.com/?p=22237

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

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October 6, 2019

How do I sleep at night saying they are not as good?

Filed under: Certification & Communication Skills — admin @ 11:21 pm

A Notary posts — how do I sleep at night saying that the Notaries on some other site are not as good as the Notaries on my site. And then he states that I am not even a Notary.

Rebuttal:

I am not even a Notary
I used to be a Notary for eight years. I test Notaries on Notary procedure and they normally score an average of 35%. Is 35% good enough to practice Notary work? I score close to 100% on Notary questions and got very few wrong on the very hard California exam many years ago. Of course the content has change in California, but that is immaterial. I am not perfect, but I know Notary procedure better than most Notaries on my site — the exceptions are those that work for the NNA hotline or for state notary divisions as they normally know more than I do — although I caught a lady working for the California SOS make a logical mistake understanding credible witness procedure. The law is complicated and perhaps too convoluted.

How do I sleep at night saying that the Notaries on other sites are not as good?
I sleep fine, but sleep better if I take Advil and kefir (cultured milk). What can I say, the milk calms me down, and no, it doesn’t need to be warm milk like people in India insist. Since I tested almost all the Notaries on 123notary, and also test Notaries I find from particular other sources like Snapdocs, etc., I am aware of the quality of these notaries in terms of test results. Notaries on SnapDocs very rarely score higher than a D on my test. And the notaries that are the top ranking people in their state on SnapDocs do not normally do better than a C. Higher ranking Notaries on 123notary are not always good, but at least we have a good quantity of people who are masters of their craft and also have a depth of experience.

So, I am comparing apples to apples with fair scales. I have a right to assess the quality of Notaries because I represent them. I feel responsible to offer the world good Notaries if I can. I can only do my best. Who are you in your ignorance of this profession to criticize me — I have been running a directory for 20 years and have been a Notary for 8 and done very well on multiple tests not to mention created hundreds of test variations and stimulating quiz questions myself.

You might also like:

123notary vs. Snapdocs
http://blog.123notary.com/?p=21258

A tour of Notary Cafe
http://blog.123notary.com/?p=21222

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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 25, 2019

Will 123notary certification get you more work and is it worth it?

Filed under: Certification & Communication Skills — admin @ 10:34 pm

People think about the financial cost of getting 123notary certified. It is only $67.95 currently. That is not a big investment. Word on the street is that get more work and about $8 more per job if you have our certification. As of 2019, I estimate that you would get about 30% more work by having our certification, and $8 more per signing according to a poll I took.

So, if you were paying a few hundred a year for a top listing, you would get 30% more out of it which might add up to about $100 extra value for advertising each year. The other way to look at it is that you might get several thousand dollars more business each year which you would have no other way to obtain. So are you gaining $100 worth of advertising or thousands in revenue? How should you look at it?

The fact is that the big investment in our certification is not the cost which would pay for itself in days in terms of the extra work you are expected to get. The big investment is time, because in addition to our cert course, we expect you to master Notary Public 101 on our blog which is a long and comprehensive guide to basic Notary procedure. We think you should already know that stuff, but nobody does regardless of what state you are in.

So, the bottom line is that you might need 20 hours of study time, but the $30,000 extra you might make over the next decade is definitely worth your time and makes your time worth $1500 per hour. What else are you doing with your time that is worth $1500 per hour unless you are an assassin. And if my math is wrong, you tell me what the correct math is. After all I am only doing an educated estimate.

You might also have an easier time rising up to a higher spot when one comes available if you have our certification. So there are multiple reasons for getting it but only one for not — laziness and a self defeating attitude. Keep positive — and get our certification today. It is good for life but you do have to pass a phone audit as well as the online test.

You might also like:

123notary certification gets you more clicks
http://blog.123notary.com/?p=22496

Elite Certification will benefit you for the rest of your life
http://blog.123notary.com/?p=20770

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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 7, 2019

123notary certification getting more popular

Filed under: Certification & Communication Skills — admin @ 11:00 pm

I heard from a blog comment that several… that means not one, but more than one vendors who hire Notaries are now asking for 123notary certification. That means that since I cleaned up our certification and made it up to a higher standard, that more people value it. Maybe one day it will be highly valued — imagine that.

I will keep a positive thought that our standard will be the highest standard in the land and that people will come from far and wide, and pay big bucks to get our certification. You never know, that could become a reality. We’ll find out. But, we are moving the right direction at least for now.

Our certification is for sale in our loan signing course page. We also have courses on the blog. I recommend doing both as they are different.

You might also like:

123notary certification gets you more clicks
http://blog.123notary.com/?p=22496

He lost his 123notary certification and title stopped calling overnight
http://blog.123notary.com/?p=22131

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September 5, 2019

Would you accept a notary signing without a confirmation?

Filed under: Business Tips,Signing Tips — admin @ 10:59 pm

One Notary on NR asks the crowd if they would accept a signing without a confirmation? The fact is that without a confirmation, you don’t know what you are getting paid. On the other hand, the notary payment information might be on the HUD or 1003 or other document. That leads me to another point.

If the notary doesn’t get paid after the job is complete, but the fees are documented on the HUD, does that constitute Mortgage fraud since they cheated you based on what was typed in a formal Mortgage document? Hmmm. But, I digress.

Even if there is a confirmation, the actual confirmation doesn’t guarantee you will get paid. However, it has the names and the address, loan number and other pertinent information.

Back in my day (boy am I sounding old) I used to have a lady who would just ship me documents and I would schedule them on my own. The problem is that those would arrive as a surprise and I had no idea they were coming. I guess she trusted me. Maybe she was busy. I got them signed fast and they paid okay.

As a general rule it is better and more professional to have a confirmation. However, the bigger issue is to trust the company you are working for. And trust is a result of keeping very good records on everyone you work for especially issues such as: Do they pay on time, do they jerk you around, do they lie, and do their incidents of cancellations compared to completed jobs (ratio). That way you can compare the various companies and see which ones are schmucks!

If it is a new company hiring you, I would be more adamant about formalities. But, with a company you trust it is less critical. On the other hand when someone asks you to visit them at a hospital for a signing, they do not give a written confirmation, but you would still go out, correct?

You might also like:

Confirming the Signing
http://blog.123notary.com/?p=19976

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

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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?

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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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