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October 20, 2017

Safe notarizing is like safe sex. Don’t have unprotected notarizations!

Filed under: Best Practices — admin @ 1:04 am

Can you imagine that Florida’s FAQ page forbids Notaries from requiring a journal thumbprint? The thumbprint is the one piece of evidence that can nail an identity thief and is the most compelling evidence to prove that the Notary is not in cahutz with the ring of identity thieves as well. You are protecting yourself as well as society. So, why would Florida want you to endanger everybody?

India does not require people to have seatbelts, but if you don’t use a seatbelt in India, you might end up going through a windshield onto the other side of the highway and end up with a skull fracture. The fact that India doesn’t require seatbelts doesn’t make it any more safe to go without using one.

A thumbprint is to notarizing what an airbag & seatbelt is to safe driving.
Proper identification practices like making sure the name on the document is provable based on the name on the identification document is just like wearing a seatbelt. For the most part, you don’t get into accidents. You will probably not be in a serious accident in your entire life. But, it is possible that you or a family member will be in a bad accident, and if you aren’t wearing your seat belt at that exact instant when the accident happens, you could end up dead. Not taking a journal thumbprint is like not having an airbag. If you notarize 10,000 people without incident and then customer 10,001 happens to be an identity thief, it is the thumbprint that will help the authorities catch him. If you don’t keep a thumbprint, you could end up named as a suspect in a law suit, be a witness in a long law suit and you don’t get paid for sitting in court, etc.

Heterosexual AIDS is rare in the USA, but exists.
When you have intercourse, if you sleep around, some people have diseases. You cannot know who is having an outbreak or who has a disease. People who are smart, either abstain from sleeping with people who they don’t have a serious relationship with, or use protection. It is rare in America that you would have the misfortune of having intercourse with someone hetersexual who is not an introvenous drug user who has AIDS, but it could happen in the heterosexual community. You might sleep with 10,000 heterosexuals and feel safe because nothing bad happened so far. But, with person 10,001, that person might have AIDS and give it to you. This is why you should keep a thumbprint, otherwise you might get the notarial equivalent of AIDS which is being a witness or suspect in a lengthy and expensive law suit regarding identity theft.

2% of full-time Notaries will end up in court
Identity theft is rampant, but as a full-time Notary, you only have a roughly 2% of ever appearing before a judge or being part of any serious investigation — and that is during your career and not during any particular career. Although I have met a few Notaries who have appeared before judges twice or been investigaged three times. Maybe that is their karma.

Don’t have unprotected notarizations.
What you have to understand is that when you notarize someone, you are not just notarizing them. You are notarizing them, and anyone they’ve been notarized by, and anyone they’ve been notarized by has notarized, and so on and so on. If any of them are an identity thief, you could end up with AITS (the notarial equivalent of AIDS) which is acquired identity theft syndrome. The proper use of thumbprints reduces the risk of AITS to almost zero. So, use a thumbprint and be safe. Don’t have unprotected notarizations!

Safe notarizing! Because certain things weren’t meant to be shared!

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October 14, 2017

Notice to Title Companies from 123notary about Thumbprinting

Filed under: Best Practices — admin @ 12:56 am

Dear Title Companies,
It has come to our attention that many title companies are asking Notaries outside of California NOT to take journal thumbprints as it seems invasive or offends borrowers. However, we have had many incidents of identity fraud involving our Notaries as unwilling and unknowing accomplices. Here are some benefits of thumbprinting.

1. A journal thumbprint is often the only way for the FBI to be able to catch a Ponzi scheme practitioner, identity thief or fraud. Without the thumbprint, the investigators would be like a boat without a paddle. Why leave such critical members of society helpless when society is the one who ultimately pays the price?

2. Identity theft is not common at loan signings, but a few slip through the cracks and can cost lenders tens of thousands to clean up the mess. A journal thumbprint is often the only way you can find out the true identity of a signer who uses a falsified ID, or, one whose name is identical to someone else and impersonates that someone else and steals the equity in that someone else’s home.

3. A journal thumbprint safeguards the Notary from being named as a defendent in an identity theft case to a particular degree. If the Notary is concealing the true identity of a fraud, a prosecutor could claim that the Notary was a willing accomplice in an identity theft scheme and covered his tracks by not leaving thumb-tracks as the case may be. One of the Notaries listed with us went to jail for fraud which I assume was intentional. Let’s not have that happen to Notaries who are just plain negligent or too stupid to keep a thumbprint!

4. A journal thumbprint deters frauds. If you were a fraud, would you want some anal Notary fingerprinting you? No! That will come back to you in court. It would be safer to be notarized by some other Notary who doesn’t have such high requirements.

Basically, rather than forbidding or discouraging thumbprints, I am asking (pleading) with you to require thumbprints as that is the only way to safeguard your Lenders, Notaries and society at large from the heinous damages that result from identity fraud. I was a victim of identity fraud several times, the first time being really horrible. It is devastating, and I hope you do everything to prevent it rather than entice it.

Discouraging taking thumbprints is analogous to discouraging someone from wearing a seatbelt or discouraging someone from using a condom. The results can be ruin lives!

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October 11, 2017

Have you ever met a friend by notarizing?

Filed under: General Articles — admin @ 12:50 am

I remember that the only friend I made as a Notary was made as an introduction. I went to a party and met a lady named Mona. I liked her, but she only liked me a little bit. She used me for favors, rides, etc. When you’re desperate you hang out with this type of chick. In any case, she introduced me to her colleague Ravi who was an accountant. He was pretty cool, so we started hanging out. He liked wine and good food, so we made it a regular thing until he moved to the East Coast.

But, my other Notary assignments were for boring people getting loans. Why is the world such a boring place. In fact, I remember very few people that I notarized. I remember Gary who was in jail for blowing up his apartment with explosives. I notarized his jurors too which was a huge coincidence. I remember Jeffrey the Chinese Attorney who loved the fact that I embossed everything. I remember my Korean contact who bought and sold massage places. She had me notarize an acupuncturist called Dr. Kwack. Of all the names a doctor could be named, the doctor was a quack!

I remember doing a Military Oath for a military guy, and an over the phone Oath to swear a Filipina lady into court in the Florida Panhandle. I got to talk to the judge — how exciting. And she cooked for me. Then there was a notarization for a large Chinese family. Yes, I got fed on that one too. Then, a notarization on the trunk of my car notarizing for the brotha’s who told me all about the names black people had. Oooh they got names!

Everything else is a blur. I don’t remember much. It was so long ago. I remember a few of my favorite signing companies.

But, if I could go back into time and change a few things, I would have tried to understand the process a little better and take more notes. I was not as disciplined back then as I am now about keeping written records.

What about you?

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October 7, 2017

Is it just annoying or a free source of help?

Filed under: General Articles — admin @ 12:49 am

What sticks out in my head is how upset Notaries feel that I am minding their business by asking them questions. How intrusive, rude and unnecessary. You know how to do your job and are paying me, right? So, why should I verify if you know your basics? The sad fact is that one day I woke up in the morning and wanted more 123notary certified Notaries to pass our elite test. So, since people were not testing on their own initiative, I called some certified Notaries up to give them a free elite test that we normally charge. The result was that Notaries were scoring 40% on loan document knowledge and worse handling situations in quiz questions. I decided that I need to know who knows what and call all members of our site one by one which could take half a year or more to complete a quiz for.

In any case, having a directory filled with Notaries who don’t know what they are doing doesn’t seem like a good idea. But, on the other hand, the customers don’t know the difference. If you are a bad Notary, you can get away with it. So, what you don’t know what an Affirmation is. When was the last time someone asked you for one, right? However, customers complain about these things from Notaries:

(1) Rudeness
(2) Leaving people high and dry
(3) Not following directions
(4) Not communicating well.

So, the scoring of my quiz takes into consideration these other elements as much as it takes into consideration actual Notary knowledge. You could be the worst Notary in the world. But, if you are polite, answer my situational questions correctly and communicate clearly, you will get a passing score on my quiz. You can go through life without knowing anything and Jeremy will let you get away with it.

The problem is that I am getting so much hatred, psychotic behavior, anger, resistance, and reluctance. I only have two minutes worth of questions about what you do for a living. Is it that painful. And then there are the people who can’t talk because they are at the airport, driving, at a signing. just leaving a signing, almost at a signing, cooking, sleeping, or eating. You can afford two minutes otherwise I have to either fail you or keep chasing you. These scores affect your future with us so take it seriously. It only takes two minutes.

I am basically giving away free knowledge and one-on-one tutoring to people who are not paying for it. Only 10% of our people claim to appreciate this knowledge. Nobody else will offer you this service or disservice. I might save you from ending up in court or jail with a two minute phone call. How can you not appreciate this. I am experienced and talk with thousands of Notaries. I know more than you do about many aspects of this business, so why would you avoid a chance to learn?

I want to please those who do want to learn and who do have a good attitude. I want to give them free extras and free knowledge and help. But, in the back of my mind, the stronger impression is that of the people who hate me and want to resist any communication with me other than arguing with me. How sad!

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August 24, 2017

Letter to Donald Trump about the sad condition of American Notaries

Filed under: General Articles — admin @ 12:56 am

Dear Donald Trump,
I run a nationwide Notary Public directory called 123notary.com and have some sad commentary about the general state of affiairs in the Notary industry. The most pressing is the dismal quality of the knowledge of general Notaries about their rights and responsibilities as well as the poor level of screening that the state notary divisions engage in.

Since you have entered office, my personality has changed. According to feng-shui principles the members of an organization tend to take after the leader of the organization in some subtle or not so subtle ways. Since April, I have been preverbially draining the swamp of “fake notaries.” Some people with absolutely no Notary knowledge whatsoever are commissioned by states run by idiots who will commission anyone — sad! What the states don’t realize is that bad Notaries are a danger to society by empowering and facilitating identity thieves. An improper notarization or improper bookkeeping at a notarization done by a shoddy Notary can make it easy for an identity thief to drain a person’s equity from their property, steal their property, or defraud people in other ways.

In a nutshell, the real problem is that the states do not screen their applicants, do not educate applicants in all aspects of Notary education and do not have sensible testing either. California’s screening is far better than any other state, but still falls short of the mark as our local California Notaries do not always know how to explain notary acts, keep proper records, or which acts are legal versus illegal to do.

My solution is to suggest some Federal guidelines with Federal enforcement. Since the states don’t enforce proper notary procedure with the exception of California who audits journals (but, not anything else), it is necessary for the Feds to step in and add another thin, but intelligent layer of regulation to the industry. Here are my ideas.

1. Standardized Notary Education and Enforcement.
Many states have differing Notary Acts, and that is not a bad thing. However, if there would be a core of universal Notary Acts used in all states, territories, and military bases, that would make education and enforcement easier on a national level. The most critical elements to teach would include:

(a) Proper identification of signers
(b) Proper journal record keeping
(c) Oath giving (Notaries are required to do this but more often then not don’t know how or don’t bother)
(d) General understanding of Notary law, acts and procedures.

2. Reduction in the quantity of Notaries, with an increase in quality.
Judging the quality of Notaries might be hard for you to do, but I do it daily and have the art refined in certain ways. I will vouch for what I condsider the characteristics of a good Notary verses a bad one.

(a) An IQ of 100-120.
Being a Notary requires a certain amount of intelligence as a rudimentary knowledge of law, and applying the laws relating to Notary Public are required to perform the duties of Notary Public and faithfully discharge your duties lawfully while accepting lawful requests and declining illegal requests. Most Notaries do not correctly distinguish between what they are allowed to do and what is illegal and prefer to rely on what they feel comfortable with which is neither here nor there. Those unlawful Notaries need to be weeded out. Notaries that are too smart tend to leave the industry early and are not a detriment, but will not be likely to stick around.

(b) Attorney Notaries are not generally good Notaries.
Many states like the idea of having Attorneys do certain Notary functions such as loan signings. In my experience, Attorneys are over-priced, the least likely to be available, and also are the bottom of the bottom of the barrel in the legal world and are so incompetent that their average stupidity exceeds that of our average non-Attorney Notaries. I am not against Attorney Notaries providing they can pass a tough Notary test to prove their basic knowledge. Attorneys should also be declined any special privileges in the Notary world. In New York, I heard an Attorney can become a notary without a test at all which I feel is a mistake.

(c) A clerical background is desireable.
If someone has a background doing clerical work in a capacity which requires being picky and attentive to detail, that would be a good background for being a Notary Public. Notaries fill out certificates and journals and being nit-picky and anal precedes you as a good Notary. On the other hand a clerical background filled with clerical errors that have gone unnoticed for years would be a disaster.

(d) Being meticulous and having integrity.
Those who dot their i’s and cross their t’s are the types I would like to see as Notaries. Those who are ethical and care about safeguarding society are also idea. Having a generally good attitude matters too.

(e) Willingness to study and learn.
My biggest complaint about Notaires Public is that so few of them read their state’s Notary Handbook. If you aren’t willing to read your state’s laws and Notary rules, how on earth can you possibly enforce them?

3. Regular auditing of Notaries
Notaries need to know someone is watching them as few uphold the law. If Notaries are audited by a mystery person who appears to be a client, that client can ask them to do something seemingly illegal to trick them into incriminating themselves. This is the only reliable way to catch large quantities of bad Notaries. Having Notaries come to the county clerk for a pop quiz once a year is another highly recommended idea. The quiz should be hands on Notary work in addition to multiple choice questions. To audit all Notaries twice a year requires there to be less Notaries to audit.

4. Higher pay for Notaries
To attract good Notaries, there needs to be a good minimum wage for Notaries. I suggest $40 per appointment minimum on the East and West coasts and $30 in the interior states. Additionally, many Notaries travel and states should have minimum travel fees of $40 for appointments that are 30-60 minutes away plus waiting time. Travel fees should be paid in cash at the door or by paypal to eliminate what I call “Beneficial Interest” which is a term that depicts a person who is named in a document who stands to benefit from the document being signed in financial ways or by gaining privileges. By being a Notary whose travel fee is contingent on a document being signed, the Notary will be swayed to accept non-matching identification or comply with illegal requests so they will get their measely travel fee so they can pay their rent. Notaries who are poor are likely to bend the rules to ensure they get paid. Having travel fees paid up front as a matter of law will safeguard the public from Notaries having any semblence of beneficial or financial interest in a document or set of documents being signed.

5. Universal Notary Acts
Most states have Acknowledgments, Jurats, Oaths, Affirmations, and perhaps a few other acts such as Copy Certificaiton Safety Box Opening, Attestations, Witnessing, etc. The problem is that the rules for these acts are not always consistent across state lines which causes a lot of confusion especially to those of us who run nationwide Notary directories. I suggest these as universal acts.

WITNESSING
Some Notary acts require rigid identification rules. It would be nice for those who don’t have identification or don’t have identification with the correct name variation on it to be able to get notarized on informal documents in any case. Having a witness notarization with optional identification would be convenient without being a risk for identity fraud since the documents being witnesses would not concern large sums of money by definition.

A signer could:

(a) sign in the presence of the Notary in a witness notarization.
(b) Identification could be a choice of a thumbprint, an ID with a non-matching name, or an ID with a matching name.
(c) The description of the ID should ideally be documented on the Notary certificate for this act as well as the Official Journal of Notarial acts.

Some states already have an official notarial witnessing act. But, having universal and flexible standards would be wonderful.

ACKNOWLEDGMENTS
Formal documents such as Deeds, Powers of Attorney and contracts normally use an Acknowledgment. Acknowledgments in most states require:

(a) The signer to be identified by the Notary using state approved types of ID cards such as passports, drivers licenses, etc.
(b) The signer has to acknowledge having signed the document in the physical presence of the Notary in a non-verbal way by presenting the document to the Notary with the request for it to be notarized.
(c) California requires the signer to be named in the document
(d) There is an Acknowledgment certificate which must be embedded in the document in question or added as a loose piece of paper and then stapled to the subject document.

The first issue with Acknowledgements on a national level is that there are six states which specifically require an Acknowledged signature to be signed in the presence of the Notary Public while the act intrinsically does not require this. The second issue is that Notaries in states that do NOT require the Acknowledged signature to be signed in the presence of the Notary typically require the document to be signed in their presence because they feel uncomfortable with the alternative. Notaries let their petty comfort related concerns supercede the law which is a problem that needs to be dealt with and enforced. This constitutes the denial of a legal request which by definition is not legal as Notaries Public must provide the public with Notary work for all legal requests unless (in particular states) there is some legitimate reason why the Notary feels that it would not be safe to notarize the person. Standardizing the rules of Acknowledgments makes a lot of senses as that single act constitutes 80% of Notary work nationwide. For those signatures that must be signed in the presence of a Notary, there are other acts such as Jurats and Witness notarizations that require that.

JURATS
Jurats are notarial acts where the signers must sign in the presence of the Notary Public and swear under Oath to the document in some way shape or form. Whether they swear to the truthfulness of the document, or whether or not they signed the document using their own free will, or whether they agree to the terms of the document could all reasonably be sworn to. Most Notaries omit the Oath or give an Oath which makes no sense under the circumstances which is unacceptable.

OATHS & AFFIRMATIONS
Most if not all states have these acts. However, some states (such as Florida) require a certificate for an Oath. If a certificate is to be required, it should indicate the nature of the Oath. Florida’s documentation of Oaths does not require any indication of what the Oath was about. There is no point in keeping paperwork if the paperwork has no pertinent information on it. As a former Notary, I will vouch for the importance of issuing certificates as it is a record for the customer to keep of what happend. The more critical information the merrier (without going overboard.) Notaries need to be taught how to administer good and relevant Oaths and Affirmations as 90% do not know the difference. Oaths use the word swear and normally mention God while Affirmations use the word Affirm or state and leave God out of it which is something that ultra-religious and athiests both agree upon.

6. Thumbprinting
Journal thumbprints are a matter of contention. California is the only state to require it for Deeds affecting real property and Powers of Attorney. Several of the Notaries listed with us were able to provide critical pieces of information to the FBI which helped nail identity thieves, ponzi schemers and other fraudulent menaces to society. Many companies and individuals object to being thumbprinted which creates pressure for the Notary to not thumbprint unless required to by law. Therefor, the only way to safeguard the equity in your real property from being syphened by identity thieves is to require journal thumbprints nationwide.

Since journals are NOT required in all states, it would be necessary to require journals in order to require journal thumbprinting. I recommend a thumbprint requirement for all notarizations of Deeds, Living Trusts, Powers of Attorney, Subordination Agreements, or notarizations where the identification did not completely match the signature on the document.

7. Proper Journal Entries
Most Notaries who I deal with keep a journal, but do not keep it correctly according to what I consider best practices to be. It is common for Notaries to enter multiple documents on a single journal entry which is signed once by the customer / signer. This is a bad practice because it would be possible for the Notary or someone else to add extra document names to the journal entry AFTER the signing was over which would constitute fraud. It would also be possible for someone to accuse the Notary of fraud when he/she did not engage in fraud with such shoddy bookkeeping practices. Therefor, it should be necessary by law to have one journal entry per signer per documents which would be six entries if you had two signers each signing three notarized documents at a particular appointment. The primary purpose of a journal is not to please the state where the notary is commissioned. The primary purpose is to please judges and investigators who use the journal as perhaps the primary or only piece of evidence in an identity fraud court case or investigation. The journal is the only evidence a Notary Public has of what Notary work they have done, so it behooves society to ensure that journals are filled out prudently, completely and correctly.

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August 20, 2017

A Notary claimed that NNA refered him to us because we offer free listings

Filed under: General Articles — admin @ 11:52 pm

123notary has been offering free listings for a long time. But, should we. I think we should charge a small fee for the low placed listings. After all, they have a value, and they require maintenance on my part. But, I was pleasantly surprised to hear that NNA refered our directory. We at 123notary also recommend the NNA for all types of services such as E&O insurance, journals, Notary supplies, carry all bags, advertising on signingagent.com and more…

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August 15, 2017

Which Dual Tray Printer do Notaries like? And what does 123notary say?

Filed under: Business Tips — admin @ 10:47 am

There was a conversation about Dual Tray Printers on the NNA Linked In page.

Nobody had a twin brother, but someone bought an older brother. That solves my problem of being an only child — buy a sibling. Available at Walmart and Amazon.

Recommendations by Notaries

Brother MFC-9970CDW. It’s a workhorse!

Brother MFC-8710DW. I’m happy with it.

Brother multifunction model is 8850

Brother 5200. and it’s AWESOME

Brother HL-L5200DW

Brother HL-L8350CDW and like it. It allows you to purchase the second tray separately (as an addition)

brother HL6180-dw I have tried many different ones this has been the best I ordered on Amazon

HP Laser Jet 4350 DUAL tray 10,000 per cartridge black only same as my Bank uses, it is a work Horse

Warning:
One Notary says that Brother printers aren’t easy to set up with a Mac.

123notary recommends
When starting out, a less expensive, but reliable printer might do the trick. But, if you get good business you should consider having two printers. A fast one for home and a small one with a good power source for your vehicle so you can print on the road which saves tons of time going home to print. Here is what we think you should look for:

1. A reliable brand.
Notaries in the business seem to like Brother best with HP as a second choice. Model numbers that experienced Notaries like are above.

2. Dual tray
means that the printer has two trays. You can use one tray for legal and the other for letter sized paper. Title companies prefer dual tray. It is more professional and means that you don’t need to use special software to sort out the different sizes of paper using a single tray.

3. Speed of printing.
You will be printing a lot if you do loan signing. If you do four packages a day that are 100 pages per package, and all need borrowers copies, that is 800 pages. If you have a printer that prints 45 pages per minute, your job will be done fast. Otherwise you will be sitting and watching for a very long time while your assignments print.

4. Replacement ink or toner
I do not use dual tray printers myself and have been out of the signing game for a long time. If you have a printer that uses ink, make sure you have a few good sources to get replacement ink, order in bulk, and have it in your pantry ready to go. Make sure it is affordable too, otherwise your yearly ink bill will be a tax deduction that is a little too good. If your printer has a toner cartridge, research replacement parts and their costs and how many pages it covers to estimate your costs over the life of the printer.

5. Repair
If you buy from a well-known brand, it will be easier to find places to repair your product. Hopefully, you will never need a repair. You might have a back up printer too just in case you have to leave your printer in the shop for a few days.

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August 14, 2017

What are all these quizzes all about from Jeremy?

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

Many Notaries are complaining bitterly on the various forums about me calling them and asking them questions. Many Notaries are extremely rude or evasive with me which makes me short tempered. I can deal with one or two bad apples per days but 80% bad attitudes is too much and that is why I might be short tempered with people. It is easier when you do as instructed and just answer questions the way they were asked without making a fuss.

Many Notaries cheated on our online test back in the day. Others took the test five times and memorized the answers from the pool of questions. Both of these techniques are considered unethical and cheating. I estimate more than 10% of people had someone else take the test for them which is a more serious act of cheating. Many others forgot what they learned while still others had more serious problems like becoming addicted to drugs, having memory loss from old age, etc. I now see why NNA requires yearly testing.

I do not want to test people yearly. I think that a pop quiz every few years is enough. The only reason I’m testing people is because the average over the phone test result for our certified Notaries is 45%. How can I hold my head up high and speak well of my site or certified Notaries if they are failing. Only 20% can pass my test with a 70% or higher. How pathetic.

I wish that Notaries would brush up once in a while. The only people who brush up do so because they are NNA members and the NNA makes them recertify. That knowledge helps them do better on my test. However, what Notaries don’t seem to get is that NNA is testing them on loan documents and NOT on basic Notary procedure. The area Notaries have the most trouble is basic Notary procedure. They don’t know how to do the job they are commissioned to do.

If you fail your quiz with me, you can study up and try again. I am not trying to punish people or fight with people. I just want to maintain a low standard. But, 45% is below my low standard. I will accept 80% for a full pass, and 60% for a pass with a few points taken from your algorithm results. I am asking for very little here. The other problem is that I expect Notaries to know how to be a Notary — otherwise you should hand in your badge and your gun to the secretary of state in your state and quit.

Understanding Acknowledgments, Jurats, Oaths, Journals and Identification is far beyond most Notaries. Many have the gaul to tell me that they don’t NEED to keep a journal because their state doesn’t make them. That is as stupid as saying you don’t need air bags or seat belts in your car in India because the government doesn’t require it. When you are in the hospital with a tube coming out of your throat you might think differently. And when you are on trial for being a suspected accomplice in an identity theft ring as a result of not keeping a journal, you will also think differently.

All I’m asking is for you to do your job and have a good attitude. That means being polite, answering questions, not blowing me off, and studying from time to time. And once again — it’s not rocket science!

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August 12, 2017

Official New Standards at 123notary

Filed under: General Articles — Tags: , — admin @ 11:25 pm

After thinking long and hard, I have decided to have some notarial standards here at 123notary. As you know, we are a national organization based in California. We list Notaries throughout the nation. Since most of our Notaries are very weak on Notary knowledge and almost equally weak with loan signing knowledge, it behooves us to ask them questions from time to time to see if they know what they are doing. The more they assure me that they know what they are doing, the worse they do on my quiz. What a con job. But, I’ve heard it all a million times and don’t fall for it.

I have had it with Florida Notaries who shove it down my throat that their state doesn’t require journals and therefor it isn’t necessary. We have a handful of Notaries that are currently being investigated by the FBI, court system or criminal justice system and their journal was their only piece of evidence to defend them. Your change of ever showing up in court is probably only one in a thousand or perhaps 1% for a very busy Notary. But, why take chances. Do your homework and keep your records straight. We don’t want to list a bunch of unprofessional idiots. We want professional Notaries here, not stamperizers. A three year old can stamp documents, but does that make him a Notary? Many of the Notaries we list are not much more advanced than a three year old. And that is why I am requiring these new standards.

1. Identification — Proof of identity required for quizzing purposes.
Not all states require the Notary to prove a signer’s exact identity. Many states allow missing middle initials or don’t spell out exact identification requirements. 123notary requires Notaries to know how to PROVE an identity. If the identification card does not prove the name you are notarizing, then you do not have proof. i.e. if the name on the document is John W. Smith, but the ID says John Smith, then you cannot notarize him according to best practices under the name on the document as you cannot prove the person is John W. Smith. In real life, our Notaries can do whatever their states require, but for quizzes, they must answer according to our standards which match the NNA for identification standards.

All Notaries listed on 123notary must know how to adequately prove a signer’s identity using identification documents. We also strongly suggest journal thumbprints as that is the only way the FBI can catch someone with a fake ID. You must know the more than but not less than rule correctly. Most Notaries scramble the rule and it does more harm than good.

2. Journals — Required
Not all states require journals, but 123notary requires you to know how to fill out out correctly. Our standard is one journal entry per person per document. So two people signing three documents each would be six journal entries. We also do not accept journals with check boxes for loan document names. So, don’t use one as they create more room for errors.

3. Oaths
All states require Notaries to administer Oaths for Jurats, and do purely verbal Oaths and Affirmations as well. However, most Notaries we talk to get very confused when we ask them to do an Oath. If they did their Oaths daily as required, the Oath verbiage would flow off their tongue. Most either don’t do Oaths or have to look up the suggested verbiage. There is nothing wrong with reading from a script, but you are required to improvise from time to time, so if you don’t know how — you are in trouble.

4. Acknowledgments & Jurats
You have to know the rules for both Notary acts.

5. Certificates
You need to understand the parts and compontents of Notary certificates, as well as the rules for filling them out.

6. General Notary rules and knowledge.
Yes, there are rules that change across state lines, but you need to know the powers of a Notary and general rules.

I am sick and tired of how hard it is to just get a Notary to know their job and do their job. Carmen doesn’t like this either. If you can’t function as a Notary, you cannot be a loan signer.

123notary reserves the right to quiz you on Notary knowledge. If you don’t comply with our questions or get the answers wrong, you will lose points in our point system. If you get less than an acceptable percentage, we reserve the right to suspend you until you study for at least ten hours and learn to do a better job as a Notary.

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July 17, 2017

How long should you WAIT to get paid?

Filed under: Business Tips — admin @ 10:45 am

Different companies have different payment schedules. Whether a company pays in a timely manner or not, the critical thing is for the Notary to be aware of how long it takes companies to pay. If you read forum complaints, you will see if other Notaries have had a problem with a particular company. If you keep a database on paper or on a computer, and keep records of how long each company has taken to pay others, you will have a track record for each company. Most Notaries unfortunately do not do their homework and that is why bad signing companies exist and also why newer Notaries get screwed. Do your homework; Don’t get screwed!

It is standard for companies to pay in 30 days. Most companies have a monthly billing cycle. It might take 30-59 days to get paid if they do their payments on a particular day of the month. If they pay on the 15th and you complete a job on the 16th, what if they pay you on the 15th of the month on the second month after you do the job? Hmm.

Then, there are companies that are always short on cash who string Notaries along. This is just unprofessional and not respectable. You should pay for what you get, otherwise don’t ask people to do anything for you. The Notaries who are the least valuable to the signing company, or who they have a weaker relationship with, or who are the least pushy are thes ones who get strung along. If you allow them credit for two jobs and they ask for a third without paying for the other two first they will be forced to pay you if they want your work. For a Notary who is really good, they might conform to your terms. But, if you are an unskilled whiner — good luck!

Some companies just don’t pay, or make you wait forever and go through the run around. This is just a waste of time and those companies should be put out of business.

What do I recommend?

(1) If a company is reliable about paying, then I recommend accepting anything within 60 days providing you don’t have to bill multiple times or micromanage them to get paid. 10-60 days with one bill is acceptable. The minute you have to invest extra time billing a company, you should consider charging in advance, or raising their rate by at least $20 extra.

(2) If you prefer to get paid fast, you weed out a vast quantity of your market share by demanding payment in 30 days.

(3) You can offer better terms and/or better pricing to companies that offer faster pay. You can offer them more work, volume discounts, and more attentive service to reward them for making your life easier. That way you can still get jobs from the slow-but-sure paying companies, but less of them. This is called using an algorithm — something Jeremy likes.

(4) If you adopt the Ken Edelstein philosophy and require payment up front, you will not have a problem worrying about getting paid. But, Ken is the best Notary in the business, and everyone knows it. So, that is why companies pay him more and by Paypal.com in advance to do Notary work for them while other Notaries might have trouble getting paid in advance. Ken is in the Notary business, not the money lending without collateral business. Think about it.

(5) You can apply to more Title companies. Many pay within 10-15 days. You can research them on the forums, or just try them out to see how much they pay. If they pay you fast, you can offer to do more work for them farther away to give them an incentive to use you more. You are advised to give them extra special service as well so they will continue to use you and use you frequently.

For those Notaries who are inexperienced, not well educated in signing topics, and very picky as well. I recommend swallowing your pride. You have to pay your dues in this business to do well. I suggest having 2000 signings under your belt before you begin to get picky. The real professionals who get paid well most of the time have at least 7000 signings. When I was at 4000 signings I got paid well by only about 40% of my jobs which should give you an idea. It is not fast and easy to make it to the top in this profession. Swallow your pride and work for any reasonable conditions for any company that is honest and decent even if they make you wait 60 days.

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