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January 7, 2017

Who and what is Snapdocs?

Filed under: Signing Company Gossip — Tags: — admin @ 9:47 am

It is not a day that goes by the I don’t get a call into 123notary.com about SnapDocs. Who are they? How do I sign up with them? How much do they pay? And, more often than not, ‘They have destroyed my notary signing agent business’.

So let me start off for folks that don’t know – they are not a signing service. This is just a platform set up where notaries can register and create an account for free, upload their credentials. ex: commission, bond, E & O, background check, certifications etc. Once your credentials have been verified by the staff at SnapDocs

(I assume this means that they are making sure your documents are current) and you have completed your profile you are all set to receive notary assignments. You set your profile to receive jobs via email and/or text. Hiring companies that have also signed up can now choose a notary from the site. It costs the signing company that utilizes this service 8.00 per assignment so I have been told. Ouch! . The signing services can also rate your work and/or performance. You however, cannot rate the signing service. Personally, I don’t think this is fair. There are just to many of them that don’t pay and really take advantage of us.

Several of the signing service companies that use it have stated that they love the interface and the user experience is good – for them. However, on the other hand many notaries have expressed concern that companies that use to pay regular and a fair fee have now begun to also offer lowball offers. I assume that is because of the 8.00 fee to use the platform. The notaries also resent that there companies no longer contact them direct via telephone. The problem with this is their is not enough information that is given in the text or email. It tells you the date and time and whether it requires faxbacks but usually nothing else. IMO, this is not enough information given to make a decision whether to take a assignment or not.

Personally, I deactivated my profile. I got annoyed with all the low ball offers. It was a waste of my time. So there you have it. I would love to know how the rest of you feel.

Thanks for reading, be safe.

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November 26, 2016

I felt like I was being used (Snapdocs assignment)

Filed under: Signing Company Gossip — Tags: — admin @ 9:56 am

Another Notary worked for Snapdocs and had an emotional reaction after the fact. She got one of those low-ball assignments, took it, and then complained she felt like she was being used. If you don’t like working for below market rates, nobody is putting a gun to your head! This new signer was concerned about wear and tear on her car, ink, paper, gas, etc. The bottom line here is that anyone who uses you is using you no matter the price. You sell your services for money. The question is, do you know the value of your time and do you know the itemization of your expenses for various types of jobs?

There is no set value on your time, so you have to create your own value. If you don’t know your value, how will you accept or reject jobs. For newbies, the value of getting work under your belt is much more than the value of your dignity. An inexperienced Notary in my book is not worth much. If you have less than 1000 signings and no certifications, I personally wouldn’t use you for anything. If you have 5000 signings and three certifications, then you become valuable as long as you have a good track record.

SIGNING CO: Would you do this modification for $100?

NOTARY: I will not – I have morals

SIGNING CO: How about $1,000,000?

NOTARY: Well, okay…

SIGNING CO: How about $150

NOTARY: What kind of Notary do you think I am?

SIGNING CO: We’ve already determined that, we’re just haggling over the price.

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Do you compare yourself with others on the 123notary search results
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The state of Notary advertising in 2016
http://blog.123notary.com/?p=16738

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November 19, 2016

The Uber principle at Snapdocs. New blood!

Filed under: Signing Company Gossip — Tags: — admin @ 11:31 pm

Snapdocs has grown in popularity in the last half year. Many of our clients have gotten a lot of business from them. One guy got 350 signings from them while another got 150 last year. Most Notaries are fed up with the low-balling and hand-holding. But, the ones who can tolerate the low-ball practices are getting volume. At low prices after you deduct your toner, paper, gas, and phone-time, you might not end up with much, but at least you get something.

My question is, can these guys stay in business with this business model of low-balling the Notaries? So many Notaries are so sick of it and drop out as a result of these practices. The answer lies with Uber. Uber burns out their drivers very quickly. I forget how long the average driver lasts, but it is not more than a few weeks. They just can’t stand the low pay and difficult situations they are put in. Snapdocs seems to pray on new blood too. Although most Notaries we know have dropped Snapdocs (we should call them SnapDrops) there seems to be an infinite supply of new Notaries with no knowledge, no experience, and most important, no self-respect who work for pennies.

On the other hand, perhaps the signing and title companies will get sick of bad quality Notaries and come back to 123notary where we deliver the highest quality search results in the business. I manicure my directory daily for accuracy of data and quality of Notaries. People value quality, but do they value it enough to pay for it?

I estimate that 123notary is losting 7% of our search volume due to Snapdocs. On the other hand, we are not losing revenue simply because we make our money from Notaries who get paid for high paying Title work for the most part. The Notaries who do low-ball work don’t have much money, don’t spend much money, and won’t lose us much money if they wandered into other pastures. So, we’ll keep our business model of quality search results and quality Notaries over here and hope for the best.

To sum it up. As long as SnapDocs has new blood and the Title companies will stoop to the level of accepting untrained, inexperienced and unqualified Notaries, SnapDocs will stay in business. Scary to think — but true! On a brighter note, they did an excellent job of harnessing modern technology in a way that nobody else did or wants to!

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October 30, 2016

Is Snapdocs a serious threat to 123notary?

Filed under: Signing Company Gossip — Tags: , , — admin @ 10:45 pm

Carmen is always worried about something. “The sky is falling, the sky is falling.” She always thinks the industry is going to turn down and that 123notary will have a problem. So far, the industry has come crashing down many times. But, 123notary is so stable that we have survived these ups and downs unscathed.

But, 123notary has never had a serious competitor. Sure, Notary Rotary has been around since long before 123notary’s inception. Sure, SigningAgent.com is a huge competitor. But, our market share has never been negatively affected by other companies. Snapdocs has become so popular, that Carmen rightfully became concerned that they would cut into our market share. Although I see no definitive indication of that, it is true that 123notary normally has a steady growth in clicks from February to August. This year, our growth has been less dramatic. Our growth over last year is only a fraction of a percent which is not bad. At least we didn’t lose any ground.

The bigger question is, will Snapdocs become a serious threat to 123notary as they work out the kinks in their system and gain refinement, or will Notaries get tired of working under their platform and quit? My prediction is that seasoned Notaries are already beyond fed up and quit. New Notaries are also fed up, but don’t have any better offers. I believe that the new Notaries will continue to work for Snapdocs. If the current supply of Notaries is dried up by their disdain for lowballing, a new batch will come.

If you look at the Notaries on Snapdocs, they are almost all brand new and with hardly any experience or capability to write anything about themselves. In the past, no Notary directory was able to compete with 123notary in the long run. Snapdocs is the first serious threat to our market share that has happened in the history of 123notary.com.

The bottom line is, will Snapdocs figure out how to keep their Notaries happier, or will their Notaries all defect?

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August 6, 2016

Opportunities at Sand Castle Field Services

Seeking Independent Field Representatives

Sand Castle Field Services is a national field services provider with complete coverage in the United States, Canada, Puerto Rico, Guam, and the Virgin Islands.

We are offering the unique experience to become an Independent Field Representative in a location near you! This opportunity is especially great for someone looking to supplement their current income.

Services Provided

Field Visits: Assist our clients in re-establishing communication with their customers by delivering personal and confidential correspondence. You also would inspect and photograph property/collateral (based on each client’s needs).

Inspection Services: Visually inspect real estate, vehicles, leased equipment, commercial property, or any other type of property. Provide a detailed condition report and digital photos of the property.

Valuation Services: Provide the opinion of a licensed real estate professional.

Property Preservation: We are also seeking contractors able to complete Property Preservation in accordance with all investor (i.e. HUD/FHA, FNMA, FDMC) guidelines. We encourage all experienced contractors to join our Property Preservation team today.
Compensation

As an Independent Field Representative you would choose your desired fees and coverage area for the services you would like to provide. Sand Castle Field Services offers our agents a competitive environment where orders are assigned based upon fees and performance statistics. We can help you determine your coverage area and suggest competitive rates for that area.

Fees range depending on the type of assignment you are completing and the general location of the service. Metro areas often have lower fee ranges vs. a rural area.

Field Visits will typically pay anywhere from $10-$25.

Exterior Property Inspections will typically pay $6-$12. Inspections that are more in depth will pay higher fees and are negotiable.

Compensation for Valuation Service assignments varies by the type of assignment. Our most common assignments are residential Broker Price Opinions (BPOs) and typically pay $30-$50 exterior and $60-$75 interior.

Property Preservation fees are based on current investor guidelines.

If you currently provide these services or are looking to form a new partnership, please complete our interest submission survey located on our website www.sandcastlefs.com under the Careers Link. The direct link is: https://www.sandcastlefs.com/public/applicant/field_rep_application.aspx

You may also contact us directly by email or phone with any questions you may have. Email: recruiting@sandcastlefs.com Phone: 262-754-6006. Our hours of operation are Monday-Friday 7 AM – 8 PM CST. We look forward to hearing from you!

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July 23, 2016

The 90 days no payment list of signing companies

We’ve created all types of lists of signing companies over the years. But, here is a brand new idea. There are fast pays, 30 day pays, slow pays which might be 45-75 days, and then really slow pays. This list includes signing companies that were reported by Notaries on our forum to be at least 90 days late on paying at least one particular invoice. I wonder if they will pay at all. If you don’t like being paid late, read the reviews before you work for any signing company. Slow payers or no payers need to pay you up front with Paypal otherwise you are on your own, buddy!

Notaries have reported that the following signing companies have not paid them for more than around 90 days in at least one incident. The views reported in this article are NOT the views of 123notary.com, but the views of some of the Notaries on our forum.

A1 Title
“They have never paid me for work I did for them in February 2015!”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7141

ASAP Notary
“Update!!!!!!! Eric has disconnected his fax number. ”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6856

Mortgage Connect, LP
“I’m still trying to get paid for a 04/25, 06/09 closing.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3430

Mortgage Docs, LLC
“They are so off my list”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7032

National Preferred Notary
“I did a closing (loan Mod) in 1/2016 and still have not been paid.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6118

North American Title
“I have emailed five times called 8 times and am told that the owner is from the “old school” and only hand writes his checks and they get shuffled down on his desk!”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7153

Northstar Title Company, LLC
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7160
“Hooray.. they finally paid me when I sent them a copy of my letter to the BBB in Texas… Notaries aren’t slaves!!!”

Signing Wiz
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4386
“I have had an open invoice with Signing Wiz, LLC since November 4. They no longer answer my emails or return calls.”

The Signing Agents, LLC
“Did a signing for them in December and have not been paid after several phone calls and e-mails.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6979

TL Signing Service
“I have not gotten paid in over 8 months from this company.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2373

Traveling Signatures
“Did a job for them on Nov 4, 2015 – still no pay. Emailed them many times, no response”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7112

US Notary Services
“Did a signing for them in August (2015). No responses to inquiries about payments.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5678

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123notary’s comprehensive guide to getting reviews
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David Schwimmer on The Apprentice
http://blog.123notary.com/?p=16024

Minimum Wage for Notaries
http://blog.123notary.com/?p=16276

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The “Met My Fee” list of signing companies
http://blog.123notary.com/?p=16979

See our string for posts about new signing companies
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2016 most active signing companies
http://blog.123notary.com/?p=16482

Signing companies that will hire new signers!
http://blog.123notary.com/?p=7059

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July 16, 2016

The “Met My Fee” list of signing companies

We have never published a list of companies like this before! These signing companies were reported to have met Notary’s fees. I cannot say if they offer big bucks, but at least they are not low-balling (for now.) Notaries keep saying, “They met my fee!” However, read the reviews, because some of these companies have mixed reviews!

American Signing Connection, LLC
“I’ve done a couple of jobs for them recently and they have paid me in 30 days.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2397

Amerisign
“Amerisign in Murrieta, CA paid me in 14 days. Met my fee $xxx, no hand holding”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5582

Catalina Structured Funding
“They paid my asking fee of $100, and I received payment five days later!”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7081

Concierge Notary
“I just did my first job for Concierge. I must admit they were a pleasure to work for and payment was received within a week.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5752

Equity National Title & Closing Services
“I did my first closing for them and enjoyed the experience.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3598

Express Notary Services
“I have done three signings for them this year, all paid better than agreed, before 30 days.” — 007 Notary
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3379

Horizon Closings
“I have worked with them for years. Never had one issue.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6749

Nationwide Debt Direct“I did 3 signings for them last year. They met my fee request and paid within about 30 days.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6682

Nationwide Signing Services, LLC
“I have worked with Nationwide Signing Service for 4 years. I have found them to be exceptional in all areas, and a pleasure to work with. Never an issue with scheduling, payment or support, and the people wonderful. It’s all good.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5124

Notary Direct
“Just accepted a signing from them. They met my 100$ edoc fee, and the location is only a couple of miles from my home. ”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7145

Northstar Notary
“If just half of the Signing Companies out there were as good as NorthStar, we would all be better off .”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5079

Silk Abstract
“Silk Abstract is very easy to work with and pays promptly.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3021

Solution Star
“I got a call yesterday to schedule a closing for today at 11am. They met my fee and all was well.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5978

Universal Notary, Inc.
“I did a signing for them on April 6, 2015 and was paid today, April 24, 2015. They were easy to work with and the docs were sent on time.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5188

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http://blog.123notary.com/?p=16306

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http://blog.123notary.com/?p=15748

Signing Company Gossip Feed
http://blog.123notary.com/?tag=gossip

2015 Best Signing Company Gossip
http://blog.123notary.com/?p=15327

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July 9, 2016

Global Notary

Many Notaries have done jobs for Global Notary. But, what are they saying?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2517

lsaversl
“Just got a call from Global Notary-print 2 sets (150 each), drive 50 miles round trip, fax back 150 docks, for a whopping $30.00-I was about to tell them (are you insane), but just said I was very booked up.”

Minnesota7
“I completed some 15 closings up here in northern Minnesota for Global because they had no choice but to pay my travel fees. Only 2 or 3 travel where we go. In town I refused their starting fee $40. I would burst out laughing. My problem was they would call and ask if I was going to be on time, every closing. The last two they actually called the borrowers to see if I was there. Some snot nose brat called me from global and said don’t take it personal, they do that to all notaries. I asked for the home phone number to the Owner of Global so I could call him or her every morning at 4am and ask them if they were going to be on time for work that day. Now I have received 3 different 1099’s from them. They need professional help. I got along ok with one scheduler but I told him to see to it that they take me out of their system and don’t ever call again. Plenty of good companies still out there. MN7”

Joelbenedict
“I made an error in the date of the borrower certification. I then scanned 201 docs back without catching my error. Global Notary sent me an email giving approval to drop the docs. I called the next day to confirm that I had approval. I dropped the docs. Four days later, Global Notary contacts me to notify me that there was an error in the borrower certification and that Old Republic (the title company) had rejected it. I completed an acknowledgement, scanned it back to Global Notary, cc’d Old Republic. Two days later, Old Republic approved the acknowledgment and Global Notary told me to overnight the acknowledgment at my own expense or for a $20 reduction in my fee. I didn’t have my notary stamp or the document at home–this was six days after the signing. I printed another copy of the acknowledgment, filled it out by hand, and faxed it to Global Notary. I paid for the label online through USPS’ website. It cost $18.11 to Express mail it flat rate. 10-24 minutes later, Global Notary called me to tell me that Old Republic likely wouldn’t approve the handwritten copy. I griped to corrections about their not catching the mistake in either of the two approvals and expecting me to take the expense hit.

Their response was that they do what they can. I couldn’t get them to budge on any kind of action to prevent it from happening again, or even that they had made a mistake in not catching my mistake. The day after, Global Notary contacted me to tell me I’d have to ship the acknowledgment that was approved on day four because Old Republic had rejected it. I went over Global Notary’s heads and called Old Republic; I told Old Republic Title the same thing I’d told Global Notary, that Kentucky doesn’t require notary stamps, our signature and serial numbers are considered our seal; Old Republic said that the lender had rejected it. I had the approved acknowledgment with me this time; I paid for the shipping and put it in a box (a non-USPS flat-rate regular cardboard box). It cost $16.99. Now I’ve got to wait and see if there’s any more noise with this signing. I took it for $85, printed out 422 pages of docs, drove 26 miles total, have put at least 11 hours into this signing, and took a $35.10 hit in expenses. This is probably my sixth signing with Global Notary, but this one has been a poor experience. The other signings I got for $60-70.”

M.Quednau
“Never leave your fax machine unattended before it is finished. Just because a borrower “thinks” he knows what he is doing you ALWAYS check for errors. Always ask about fax backs before you agree on a price taking that into consideration before you agree to do the signing. Sounds like you should have been more proactive in checking for mistakes and making sure the fax went through and if the fax didn’t go through wait till you come back after the holiday (since it was only one day) and tried again to fax. Global pays on a timely basis. If I were you I would rethink working for them again if they were willing to pay your price. I think all the calls are because one hand doesn’t know what the other is doing. None the less it is very annoying. ”

NotaryMark
“I am aware that Global Notary Inc are low ballers, however their tactics and fees have finally become preposterous.

Yesterday I was called for a Mortgage signing, i verified it was a normal signing on the phone, then verified there was about a twenty page fax back, ok I said for $75. Yes thats low but it was close to where I live and a quick return.

HOWEVER…on documents arrival I find that the fax back is nearly fifty pages and this is a refinance where the total pages of documents are 187! So that would be X2 prints 374pgs and a fax back!!

Unfortunately I had to cancel this appointment because of a family crisis, sudden and unexpected”

.

You might also like:

The 90 days no payment list of signing companies
http://blog.123notary.com/?p=15887

The met my fee list of signing companies
http://blog.123notary.com/?p=16979

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July 2, 2016

National Loan Closers

Here is what Notaries are saying about this outfit.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3755

Ollie
“Like many of you, our business relationship with NLC started out being
amicable.
However, we just learned that they pay every 61 days–at least for us.
This is called floating; which means instead of your income producing for you (like interest earned), it is producing for them.

We are proponents of receiving our fee the same disbursement day as the buyers and sellers.
The industry normal currently is ‘net 30’. What should be the norm is interest earned on the fee due from the day of disbursement on all completed assignments.
What we will do for companies like NLC is accept assignments by PAYPAL!”

Shannon
“I recently received then declined a signing. When prompted to “select” my fee, I was unable to find a fee greater than $85.00. While certainly there are assignments that might be done for that price (or even less), a loan signing is typically never less than $100 and with printing and other requirements much more likely to be closer to $200.

If indeed your maximum price per signing is $85.00, then I would ask that you remove me from your mailing list and system altogether. Even as a novice Notary back in 2003, Loan Signings in Orange County paid $150. [either way, gas is $4/gal]

I own and operate three (3) Mobile Notary businesses and personally service six Southern California counties. I carry $1MM in Errors and Omissions insurance that blankets my businesses and am NNA and DOJ background Checked and a Certified Notary Signing Agent. I have personally signed over 13,000 loans since 2003. I am truly an expert at what I do. I’d love to hear from you again when your pricing better reflects the value of my services.”

Diana
“BEWARE OF NLC!!!! They are full of excuses when it comes time to pay!! It has been over 60 days for 2 jobs I done for them and No payment.. But I keep getting their “pay policy” emailed!! Of course, it says I should have been paid..LOL.. I guess their not looking at the dates!. I for 1 will Never work for them again.. They are on My Black List!! Good Luck everyone!!”

ldelrey
“I have been with NLC since last year always paid on time, however, this year has been a night mare, I’m still waiting for payment from Jun 8, 11, 12, 2012.I have send the invoice via email 20 times and also call. We are sending checks out by the end of the week…I have not done any closing for July-Thank God…”

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New Signing Companies
http://blog.123notary.com/?tag=new

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June 18, 2016

National Preferred Notary

Here is what Notaries are saying about this outfit.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6118

lcox60
“Well it is 2016 now and not much has changed. I did a closing for you on December 30,2015 and today is March 14, 2016 and I have still not received payment. I sent an email to Harley Owens, the scheduler on February 22nd, she replied that she was forwarding to accounting, I called accounting on March 4th and left a voicemail, still no reply, I called today and spoke to scheduling department and the woman I spoke with, (I did not get a name) said my name was on the list to be paid and they were waiting no accounting or owner to come in to find out when this could be resolved. Very unprofessional, I will not be accepting any other jobs from you and I live in an area where I network with the other signing agents in the area, I have already sent an email to them warning them. I happen to know you recently got a new account for Vanderbilt Closings, I used to get their jobs from DocPros, I was in the local Clayton office today to do a cash closing for them and informed the manager that I have not been able to get paid from you for a December closing, she was going to notify corporate. This is not the way to do business. My next action will be to contact my attorney.”

esnotary
“Finally received my check on December 14. Check was dated 12/10/15. So much for their payment policy!”

esnotary
“Update: I ended up sending them an email letting them know that I would contact Escrow regarding payment if I didn’t hear back from them. Well, I contacted Escrow and they sent and email asking whether or not I had been paid (Escrow showed they deposited the check October 31). They replied that payment had been sent. Escrow asked when and where the payment had been sent and they never responded to her! NEVER AGAIN!”

esnotary
“I did a closing for them on 10/15/15. I asked about their payment policy. Their policy states that closings performed between the 1-15th of the month are paid on the 30th. Signings between the 16-30th are paid on the 15th of the subsequent month. Well, it’s now December 5th and still no check. I have sent emails with no response. I finally called and Harley said that a whole bunch of checks went out in the past week but she would have to research to see if mine was in there. Then they call me to do another loan this weekend! Sunday Morning! I said that I haven’t even been paid for my October closing. As I am friends with the borrowers I actually took this closing, but oh boy I hope I’m not playing the fool!”

28205bj
“I finally received a check on 11/13/14. This is not the way I run my business. When I do a closing I expect to be paid in a timely manner.”

coordinator
“I have contacted you via email and phone numerous times regarding my payment of the above signing. It’s been over 45 days closing on 60 and that is unacceptable.

If someone would have contacted me this would have been much easier to handle but after seeing your “reputation” on 123 Notary I find I have no further reason to continue to wait.

I am expecting a call tomorrow at my number 209-256-2576 to explain that the check for the above signing will be placed in the mail later that day and I expect to receive it by Friday, November 14, 2014.

If I do not receive it by then I will be contacting other forums for notaries to be aware of accepting your signing appointments, I already have the BBB on favorites for your part of the state of California, and I have your Certified Notary Signing company name pulled up from the SOS to lodge additional complaints.

I have also pulled the information for Primary Title Services LLC Attn Vicky J Santamaria off the Skokie IL office to make them aware that that they are dealing with an exceptionally unprofessional company – to say the least. And recommend using a different signing service as to make sure their name, once they are made fully aware of the ongoings – does not become an accessory.

Upon Monday, November 17,2014, if I didn’t receive the check (or it’s short) I will also be contacting my attorney with added penalties and interest added to the amount due – gotta love Legal Shield!”

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You might also like:

90 days no payment list of signing companies
http://blog.123notary.com/?p=15887

The “They met my fee” list of signing companies
http://blog.123notary.com/?p=16979

Read the current gossip about signing companies
http://blog.123notary.com/?tag=gossip

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