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June 4, 2018

Notes — how many financial packages do you mention?

Filed under: Your Notes Section — admin @ 11:56 am

In your notary notes section it makes sense to discuss your experience. Many Notaries have a wide repetoire of types of signings they know how to do. It is common to make a list of financial packages or types of documents that you are familiar with. But, how many should you mention? Should they be in alphabetical order?

My philosophy is that you should not mention more than twelve types of documents or loans in one paragraph. It just gets to be too much. On the other hand, some Notaries who have 5000 loans signed, only mention four or five types of loans which is not enough. I think that nine to twelve is the perfect number.

Additionally, I prefer to put the more unusual types of loans first in the list to stand out. But alphabetical is easier to read. On the other hand Refinances, FHA, and VA are all types of refinances. Should they be grouped together. I guess there is no right answer, but you should have a strategy for what you are doing.

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April 30, 2018

Who is getting clicks in 2018?

Filed under: Marketing Articles — admin @ 10:17 am

Interpreting clicks is complicated and is a loaded subject. Those who are certified by 123notary get more clicks than the others, however, many do not click on them for fear that they might be expensive which is a realistic fear. The numbers below are based on limited data as I did not want to spend all day long averaging numbers. It is just to give you some sort of an idea. Clicks do not translate directly into jobs. Certified members get more high paying jobs but do not necessarily get more clicks.

High Listings
Elite Members 1.75 clicks/day average
Certified 1.57 clicks/day average
Not Certified 1.59 clicks/day average
Poor Stats 1.23 clicks/day average (notaries with failing test scores)

Conclusion
Elite members have a definitive advantage as users regard them as being the masters of their trade which is true. Only 100 of our 6000 currently listed members are Elite Certified and it is very hard to pass the test. So, it really makes you stand out. Then there were people who miserably failed our notary quiz with around 40% or less who are getting a lot fewer clicks per day. There was no definitive difference between those who were not certified who did reasonably on the notary quiz and those who are certified. Users do not value knowledge of documents that much but do value general notary knowledge to a particular extent.

Medium Members
Elite 1.56 clicks per day
Cert 1.3 clicks per day
Uncert 1.2 clicks per day
Bad Stats .96 clicks per day (notaries with failing test scores)

Interpretation
This time there was measurable difference in the clicks of certified members and an even bigger increase in clicks for those who are elite certified. Those Notaries who failed our Notary test were distinctive in their low clicks as users do value basic knowledge. One of the reasons that our elite certification is not more valued is that the elite members are expensive, and still do not have a 100% knowledge of the notary process or documents even though they are close. Maybe with more refinement of my certifications they will get more weight.

It seems that the most important thing is to try to make sure Notaries score at least 50% on their notary quiz to ensure happy users on our site.

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You might also like:

How does pricing for top spots on 123notary work?
http://blog.123notary.com/?p=19355

Which Notary Directories get the high paying signings?
http://blog.123notary.com/?p=19201

Answering the call and then not wanting to talk
http://blog.123notary.com/?p=19640

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April 29, 2018

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

Do I need $100,000 or $1 million in Errors & Omission (E&O) insurance to get more Notary business?
It is not uncommon for some companies to require that a Notary have more than the standard amount of E&O Insurance. There is no state mandated minimum for E&O unlike a Notary Bond where the law requires every Notary to file an official bond for $15,000 which is designed to pay limited claims against the Notary Public.

But please make no mistake. All Notaries must carry some form of E&O insurance to protect themselves from unintentional errors and omissions they make. Of course, E&O policies will not cover fraudulent acts or intentional errors. Without E&O Insurance, you will have to pay for the cost of the judgment or settlement and your own legal expenses. The financial impact can force a Notary to renounce his/her Notary commission and possibly even declare bankruptcy depending upon then severity of the error.

The high coverage of an E&O policy is based on the false perception that the companies would get a better class of Notary or that they are protected from any and all errors made by the Notary. This is farthest from the truth. I have more than 20 years of experience being a Notary and have never increased my E&O Insurance above the standard amount of $15,000/- primarily for 2 reasons. First, the number of companies requiring $100,000 or even $1 million in E&O Insurance are few and far between and the number of jobs that a Notary gets does not make up for the increased premium for the additional coverage. Second, the E&O policy only covers clerical errors and does not cover any fraudulent acts committed by the Notary. As a matter of practice, I double and sometimes triple check my work and am always cautious of the people who appear before me for a notarization. More importantly, I never do anything that even has the appearance of a scam or fraud. I have no intention of being someone’s boyfriend with no escape clause!!

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You might also like:

The 30 point course – beneficial interest and E&O Insurance
http://blog.123notary.com/?p=14532

Posts about E&O Insurance
http://blog.123notary.com/?tag=eo-insurance

Help, I’m being sued, and E&O insurance won’t help!
http://blog.123notary.com/?p=3570

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April 22, 2018

If your listing has been paused by 123notary

Filed under: Advertising — admin @ 10:34 am

There has been a lot of drama recently, and a lot of rabble rousing on the forums about my more disciplinary behavior recently. So, I feel I owe it to the group to explain what is going on.

In 2004 when I first created the policies page, the rule was that you had to login every 120 days. If not, we would contact you and then remove you id you did not login in 150 days. It was left unstated if there was any possibility you would be removed on day 120, but you had to login within 120 days. Removal was temporary, and a simple email to me would get you back online.

We also created another policy under the term “Service” on our policies page. This term says that I reserve the right to refuse service to anyone. I anticipated having a few psychos that I would need to kick off. I got many more psychotic maniacs than I thought I would.

In the last nine months, 123notary has sent autocalls to p#7-12 people in groups letting them know they should login. These reminders were every few months and were ignored. Most listings were ones that I logged in for the notary and left a note in my records of what had happened. But, many with very low scores on their Notary test were temporarily removed.

The reason they were removed was because they did not know how to be a Notary. I used the 120 no update rule as a way to soften the blow so I would not hurt anyone’s feelings that much or at all.

Recently I have had a few people email pages of my policy page or related pages that may have been antiquated. Although we remove listings for failing to login as a matter of practice. The recent removals can fall into the category of me as a matter of written policy reserving my right to remove someone on the basis that they did not know how to do their job.

Additionally, we created a new policy requiring Notaries to be able to score 70% on our Notary quiz. Very few Notaries were able to attain that low score while the average was 45%. I cannot remove all Notaries from my site, so I only removed the very worst ones.

Basically, you can argue all you like, kick and scream. But, to ensure integrity to the public which is a priority to me, I need Notaries who study Notary procedure and are fluent on the language of Notary. Most of you have to think long and hard about the most basic of Notary knowledge, or procedure which is unbelievable. For shame.

Conclusion
There are three policies that you need to concern yourself with, and they are not necessarily listed in the same place, although we are fixing that.

1. Login every 120 days.
2. Score 70% on our Notary test
3. I reserve the right to refuse service to anyone.
So, please act polite and know your job well because I am tired of removing people for disciplinary or competency reasons and tired of the drama.

My job is not only to provide education and advertising to Notaries, but also to protect the public from bad Notaries. So, please do not be a bad Notary anymore assuming you are a bad Notary. And if you are a bad notary who is under the delusion that you are a great notary, then give yourself a little quiz on Notary vocabulary, acts and practices and see how you do.

IF you were removed, email us at info@123notary.com and we can discuss the terms for relisting you. If your term is not up, you would not owe payment, but might owe us passing a test or promising to login.

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April 7, 2018

When You Might Need a Notary Public When Traveling

Filed under: Marketing Articles — admin @ 11:08 am

When You Might Need a Notary Public When Traveling

Even if you are a person who travels fairly regularly for pleasure, you may never have thought of the fact that the day might come in which you need to access the services of a notary public while on a trip. There are, in fact, a variety of situations in which you might require the services of a notary public while you are traveling for one reason or another.

The situation is different if you travel for business. The reality is that if you do travel for business, the reality is that you may require the services of a notary public when you are on a business trip.

Business Trips and Notaries Public

There are a wide array of different situations in which you might require the assistance of notary public while on a business trip. For example, if part of your business trip is to address contact issues, a notary might be needed if a contract is to be signed. Keep in mind that in many instances a notary public is not required when a contract is signed. Oftentimes, whether a notary is needed depends on the terms and conditions of a contract itself.

If a notary is needed while you are on a business trip, you may be able to find an available notary public at the hotel in which you are lodged. This is not always the case. However, larger hotel chains are responsive to the needs of their business travelers, including the development of business centers in these properties.

You may be able to access a notary public through a hotel’s business center. Failing that, check with the front desk. If that proves to be futile, track down the hotel concierge. He or she will be able to help you connect with a notary public.

These instructions for finding a notary public while on a business trip can also prove helpful if you end up needing this type of assistance while on a pleasure trip as well.

Pleasure Trips and the Need for a Notary

Odds are that on most pleasure trips, the need for a notary public will not arise. However, depending on the state in which you are traveling, and the type of document you might have to sign, the need for a notary public may arise.

One situation in which the need for the services of a power of attorney may arise while traveling is if you need to establish what is known in most states as a durable power of attorney for healthcare. This is a legal instrument that designates another person to make medical decisions on your behalf if you are unable to do so.

If you, or a traveling companion, end up with a medical issue while traveling, you or your companion may end up needing surgery or some other type of treatment. The recommendation may be that you complete an appropriate healthcare power of attorney in advance of the procedure. Depending on the laws of the state in which you are in, you may need a notary public to attest to your signature on the instrument.

If you are traveling and come upon an automobile or piece or real estate that you elect to purchase, you will need the assistance of a notary public. The title to a car as well as the title to real estate and other documents will require notarization.

What You Need to Obtain a Notarization of Your Signature

You will need to have an appropriate form of identification to obtain a notarization of your signature. When traveling, one of three different types of identification will suffice for the purposes of obtaining a notarization of your signature. These include a driver’s license, a state identification or ID card, or a passport. These types of identification must be current and cannot be expired. You will not be required to produce multiple forms of identification for the purposes of obtaining notary services provided you have one or another of these forms of official identification.

Notary Fees

The issue of whether or not you will need to pay a fee to get something notarized while traveling depends upon a variety of factors. The key really is the circumstances upon which you need a notary and how you access the services of a notary public.

If need a notary for a medical power of attorney, the hospital or medical center will have a notary public on staff. There will be no charge for the notarization of your signature in this and similar types of situations.

Jessica Kane is a professional blogger who writes for Documents International LLC, a leading apostille service for individuals and businesses.

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March 27, 2018

Does knowledge matter any more as a signing agent?

any Notaries are telling me that nobody tests them and nobody cares if they know anything. My clicks reveal that when I started my career as a directory owner that knowledge mattered a lot more. Now it still matters, but not as much.

Ten years ago a certified signing agent on 123notary would get more than double the clicks that an uncertified member in a similar position would get.

Now, even an Elite certified 123notary member gets only 80% more clicks than the absolute most notarially illiterate members.

So, knowledge still matters, just not as much.

However, I feel it is undignified not to be an expert at notary matters if you are a notary. Additionally, you can get into legal trouble if you are sloppy in your notary work. Failing to fill out:

Additional Information sections in Acknowledgments can lead to fraud that could get you subpoenaed!

Not keeping a journal can get you pegged as a suspect in identity fraud cases. It can also get you in trouble if someone forges your seal impression, your lack of a journal makes it look like you were the one that notarized the document in question.

Not keeping a journal correctly can lead to other problems. If you cram five documents in a single journal entry, the borrower could come back in court saying they only authorized you to notarize one of the documents. Since there is only one journal signature for five documents you won’t even know which document was authorized and bingo — you are a suspect in mortgage fraud — congratulations.

Not abiding by prudent practices identifying people with name variations can land you in court.

Making clerical mistakes filling out notarial forms can get you fired or sued

Saying no under the wrong circumstances can get you sued. Additionally, saying no under the correct circumstances but not properly explaining why can get you sued, and successfully sued.

So be careful and be an expert at Notary work. If you don’t know your loan documents, nobody cares. But, we do care if you know how to be a notary and follow directions and be polite and login to your listing regularly.

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You might also like:

123notary Loan Signing Courses
http://www.123notary.com/loan_signing_courses.html

Compilation of Certification posts
http://blog.123notary.com/?p=16264

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March 12, 2018

Notary Marketing 102 — Your Notes Section

Filed under: Comprehensive Guides,Loan Signing 101,Your Notes Section — admin @ 8:27 am

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Return to Notary Marketing 102 Contents

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A Thorough Notes Section

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

Having a great advertisement at the top of the list is super. However, if your information is vacuous, people will bypass your ad to hire someone else. It behooves you to write a great notes section, and 123notary will edit your notes at no cost out of the goodness of our hearts (and for the general quality of the site.) But, what constitutes a super notes section? A good notes section should have a lot of pertinent information about yourself, and it should be organized into logical paragraphs. Furthermore, the information should stress experience and selling features at the top as the first hundred and fifty or so characters show up on the search results and can act as a magnet. You should avoid spelling or formatting mistakes to make a good impression on companies that may elect to use you.

Most Notaries use the jumble technique and put all of their information into one disorganized never ending paragraph. Don’t do this. Jumbles are hard to read and do not stress what is important first. The information in a jumble normally includes some bragging about how great the notary feels they are, will undoubtedly mention their NNA certification and background check which matters, and E&O insurance which also matters. Coverage areas are also normally mentioned. It is better to format information the Jeremy way, as my editing work on listings gains them around 55% more clicks on average and only takes me a minute or two and is free!

Below is our table of contents about each part of the notes section. Please read every page linked below as it is part of the course and not supplemental reading material.

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The top of your notes section
This where you put your selling points, and salient features about your experience.
http://blog.123notary.com/?p=19750

The second paragraph of your notes section.
This is where you talk about what is unique about you.
http://blog.123notary.com/?p=19748

The third section of your notes section
This is where you put quick points about certifications, E&O, and more.
http://blog.123notary.com/?p=19746

The bottom of your notes section.
Talk about coverage areas, special considerations like accepting credit cards, and a closing phrase.
http://blog.123notary.com/?p=19744

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EXAMPLE
Here is an example of a quick notary notes section done according to our formula for success.

1000 loans signed; Open until 11pm; Fluent Bhutanese; Experienced with Time Shares, REO, Helocs, Refinances, and more.

I have been a Notary since 2005 and have a background as a Real Estate Broker and Escrow Officer. I love people and always get back to my clients right away. I am meticulous, but don’t take my word for it, try me out and see for yourself. As a former Escrow Officer I know the Title documents well and am also familiar with general loan documents.

NNA & 123notary Certified
Sterling Background Screened (Expires Nov 2018)
500K E&O
Dual Tray Printer that prints 200 ppm.
Available 8am to 11pm seven days a week.

I accept Paypal and Square

I cover Los Angeles, Ventura, Santa Barbara, parts of Kern and will consider San Luis Obispo County with advanced Notice.

Thanks for visiting my listing on 123notary and I hope to hear from you soon.

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February 5, 2018

Why can’t I just do my job without all the bashing?

Filed under: Advertising — admin @ 9:19 am

Anytime I enforce any rule on 123notary which preserves order, I get endless bashing. If I announce a new policy, there will be an online riot on Facebook and Linked In. If I remove people for refusing to login to their listing, there will be endless strings on Notary Rotary. When I enstated mandatory quizzing which was only about five questions, people had fits and wanted to argue, threaten me with lawsuits and defame me.

I am trying to run a quality directory here. That is all I want to do. I don’t want to harm anyone. Actually, I want to prevent people from being harmed, namely the fools who hire these rabid Notaries who are out to get me. They want to be enemies with the people who list them and who hire them. Bad attitude. If you want to get ahead, think of the people who help you as friends and not enemies.

Many accused me of not being “professional.” I agree. By listing substandard Notaries, I am being very unprofessional. The Notaries who call me unprofessional call me so because I put my foot down when they talk back to me and I forcefully take the upper hand in the conversation. This would not need to happen if people would just act politely and understand that this is indeed my site, my personal property, and I am the one who decides how it is run and not someone else. When you are in my house, you wipe your feet, but you do not have to take off your shoes. My house, my rules. Very simple to understand. In your house you do what you like.

The amount of hatred and bashing has been going on for years, but the general atmosphere and lack of standards seems to have taken a new low in 2017 and I am basically deciding that it is not respectable to list some of these people. So, in order to get rid of the really hostile people and provide a positive atmosphere for those who want to learn and who want to be cooperative and quality Notaries, I am going to change policies, raise prices, and make mentoring and eductation a mandatory part of being listed on 123notary for ALL paying listings. This is great for Notaries who enjoy it because that means low cost and high quality learning and will help them make a lot more money in the long run. For those who hate the idea of cooperating with anyone, it might be the parting of the ways for us. We’ll see. Or maybe you’ll change your attitude. My attitude is going more and more towards standards, and the more you fight me, the higher my standards will be.

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January 8, 2018

Calling during a hurricane

Filed under: Marketing Articles — admin @ 8:43 am

One of my customers was so upset that I was so rude to call him during a hurricane. I call people in fifty different states each with different times zones and weather. How am I supposed to keep track of exactly where and when there is a hurricane. And if the hurricane is so bad, why answer the phone in the first place.

What I think is that people just don’t want to be bothered by me period. I am annoying, I always want them to login, take a quiz, or prove they know what they are doing. My requests are necessary for me to be able to list them. But, others see it as a pure nuissance. So, what can I do?

I just don’t get why he is so upset. If you don’t want to talk, then say you are busy. This person wrote me a long email about how it is impolite to call someone during a hurricane. Maybe he should have a welcome message, saying, “Sorry, but we are having a hurricane — press one to continue and probably be called rude, or hang up now.”

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December 25, 2017

123notary’s certifications will get you more business than before

Filed under: Marketing Articles — Tags: — admin @ 11:01 am

A certification is only as valuable as the knowledge it represents. In the past, I thought our certified members were great and did not need to be tested. Then, things changed and I found I was wrong. I had to remove certifications from many people’s listings. So, now there are fewer 123notary certified members. However, the ones that have the icon have a higher level of knowledge than before. Therefore, having our certification icon will get you a bigger advantage now than ever before.

All you have to do is actually know how to be a Notary, know your loan documents, and know how to handle situations. Being 123notary certified is pathetically easy. I am shocked how many people cannot pass our test. It is easy. Most people would rather fail in their career than study a few hours. Studying is not that hard, and this is much easier than studying for a real license. So, what is the problem.

In the old days, 123notary certificaiton would get you roughly 2.5x more business. Now, that I am cleaned up my cert icon and where I put it, it will logically get more than that. I would estimate it would get people 4x more business. However, I need to wait a few months before I get formal readings. In any case this is huge. You would be a fool not to have our icon. The studying involved is only a few hours. It won’t kill you.

Additionally, the Elite icon is being scrutinized. It is not so easy to get, but you can do it if you put your mind to it. Ask us how to get the elite icon. And if you don’t believe me then ask Santa (if he’s real.)

Also read – Compilation of certification posts

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