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April 20, 2011

Hawaii Acknowledgment Form

Here is an example of Hawaii Notary Acknowledgment Wording

State of Hawaii
County of ___________
SS

On this ______ day of ____________, 20_____, before me personally appeared___________, to me known to be the person described in and who executed the foregoing instrument, and acknowledged that he executed the same as his free act and deed.

(Seal)

_____________________
Signature of Notary Public

Print Name:____________
My commission expires: _____________________

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April 19, 2011

Judge Duty vs. Jury Duty

Filed under: General Stories — admin @ 9:27 am

Once upon a time there was a mean judge who never gave jurors a break. Many of the jurors on his cases had hardships meaning that nobody could replace them at work or that they didn’t get paid for even one day of jury duty. He caused so much suffering to so many people and didn’t even care. But, one day his luck changed.

The judge woke up in the morning, went to the kitchen to find a little box of chocolates on the kitchen table with a note. The note said that some people needed his help in Mexico to decide on a disagreement between cartels. He would receive instructions later. Someone had picked the lock and quietly entered, turning off his high-end alarm system somehow and getting out without making a sound. Obviously the work of seasoned professionals.

The next day when the judge went to work he noticed some shady looking people walking slowly through the neighborhood. He called the police, but the police informed him that they were not in fact committing a crime, so they could do nothing. That night he got a phone calls from a man with a Mexican accent telling him that he should get up early tomorrow and await further instructions.

By this point the judge was terrified and called the police again. But, the police said that no crime had been committed and that there was no evidence of a break in and no fingerprints either.

The next day, the judge woke up to find his car was missing, but there was a brand new Cadillac SUV in his driveway with keys on his kitchen table. There were instructions to drive to a particular municipal airport and not to call the police, otherwise there would be trouble. Fearing for the safety of the wife and kids he did what the instructions said and drove to the airport. From there he was escorted onto a small plane that flew into Zacatecas province in Mexico.

He was to do a quick trial between the Zacatecas cartel and the Sinaloa cartel. They ad a disagreement over money that would lead to a huge shoot out if not resolved quickly. The cartel guys who hired him informed the judge that although this is inconvenient for him, it will greatly benefit society if he provides his service. The judge agreed although he didn’t want to be there.

The judge was given free hotel accommodations courtesy of his contact person Juan who was very polite to the judge. Meals were provided by Juan’s sister Carmelita who made the best tamales in Zacatecas. But, tamales were not for free. They charged the Judge 32 cents per Tamale. Juan explained that at court snack bars, the jurors are not there by choice, but at least they get snacks for a reasonable price so he would extend the same courtesy to the judge.

The next day, the judge was informed that the expert witness would be delayed and the that court case would be delayed for two weeks. No phone calls were allowed during this time. Finally, the witness showed up, and there was another delay because the Sinaloa cartel couldn’t show up. So, a few more days waiting time. After 17 days, finally they were ready for a trial. The judge listened to both sides of this crazy argument and worked out an agreement.

After that the judge asked why they wanted him of all people. They explained that they didn’t like Mexican judges because they were all corrupt and that they wanted a nice gringo judge. It took the judge five hours to work out their problems. Then they flew the judge back to Los Angeles, gave him his car back and left him alone.

The next day, there was a thank you present once again on the kitchen table with cash paying the judge $15 per day for his service — exactly what California jurors are paid for their service. He also got paid 34 cents per mile radius from his hotel to the court room plus mileage fees for the flight to Mexico which was paid for by Juan. $468.26 cents was what the judge got for his service.

Meanwhile the judge lost his job due to being absent. The judge’s wife left him because she was terrified and his own kids were not allowed to talk to him. All for $468.26. On the other hand, he probably single-handedly prevented dozens of people from being gunned down which makes it worth while in some way, shape or form.

The moral of the story is that jury duty can be very beneficial for society and justice, but it also causes severe problem to people’s lives, their bosses, customers and family. The courts think they can pay pennies for disrupting our lives, but they don’t seem to understand how much harm they exact on us for some benefit to society.

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Notary Lives Matter

Filed under: General Stories — admin @ 8:48 am

Notaries frustrated with the oppression of not being paid by signing companies decided to create a new group called, Notary Lives Matter or NLM.

They took over a signing company in Orange County and declared the entire block a police free zone. Their demands were that the police would help them get paid. But, the police didn’t want to bother.

One signing company worker who made the mistake of putting in overtime came out of the bathroom to find these unruly Notaries demonstrating in the entrance and parking lot. They made her “take a knee” and say, “I can’t breathe.” Then she turned on the air system and said, “I can breathe a lot better now.”

The police didn’t want to confront such a large number of disgruntled Notaries, so nobody got arrested. But, on the other hand nobody got paid. The moral of the story is to research companies on Notary Rotary and 123notary’s forum to make sure that companies pay. Otherwise you might be saying, “Hand up …. hand up…. don’t shoot…. don’t shoot — Notary Lives Matter!”

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April 18, 2011

Jan 23 = 123notary day.

Filed under: General Stories — admin @ 9:17 am

I have decided to designate January 23rd as 123notary day because that day is 1-23. I am surprised it took me twenty years to think of this. I am considering having sales on particular items every year on or around this day. In 2020, we are doing to be having a sale on certification, elite certification and upgrades. I plan to bundle these products for a sales promotion. We did exactly this in 2013 and the sales were fantastic.

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April 17, 2011

Alaska Acknowledgment Wording

Here is the official Alaska Acknowledgment wording. Please keep in mind that Alaska has a network of boroughs and does not have official counties or parishes like other states.

State of Alaska

Judicial District (or County of ________________)

The foregoing instrument was acknowledged before me this ____________ day of ___________, ________________ by ____________________________________________ (signing party) ___________________________________ (marital status).

____________________________________
Notary Public

Print Name __________________________
Serial Number, if any: _________________

My commission expires:

___________________

There is also something called Alaska Corporate Acknowledgment Wording which includes the capacity of the signer.

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Seal Forgery – it happened to me!

Seal Forgery – it happened to me
I notarized a set of loan documents for a company back in 2003. It was a regular signing and nothing went wrong. You know how companies sometimes request that you send them another “Jurat” if the stamp isn’t clear on the initial one? California notary law requires that certificates be attached to the original document for security reasons. This means stapled. But, the loan companies protest whenever you ask them to send you back the document and ask why you are being so difficult. For many signing companies, the idea of obeying laws means you are being difficult. The company that forged my stamp did not ask for a loose Jurat, they were in a hurry and pulled a fast one.

I heard about it from a third party
A third party contacted me asking if I had notarized a loan package for a particular borrower. I couldn’t find the information in my journal for the specified dates, or even for the specified month. We figured that it must be a company that I had worked for before that had an impression of my seal on one of their loan documents, since I didn’t notarize that particular borrower’s loan that was in question. We had to be detectives to figure out what had happened.

Copying my seal
This company copied an impression of my seal that was on someone else’s loan, and copied it onto an Acknowledgment certificate for an entirely different loan that I had never had anything to do with. It was hard to tell since photocopiers are so good. I asked the third party to send me the notarized document and its Acknowledgment certificate. The forging job was so pathetic, it was funny when I saw it. The seal looked legitimate to my eyes, since I couldn’t tell it was copied. However, there were tell tell signs that I had not notarized this document.

(1) I always used an embosser on every page of every document. Embossers leave a raised impression in the paper. This document had no raised seal on it.
(2) The signature was a very girly signature which didn’t match mine even slightly. The lines of the signature were very curly and the i’s were dotted with cute little circles that only a girl would make like that.
(3) The acknowledgment certificate wording didn’t have the he/she/them and (s) verbiage crossed out where appropriate indicating that the person who fudged this job couldn’t have been a notary, or at least was a really pathetic notary.

I told them:
After I saw this pathetic attempt at something which is not even good enough to qualitfy as forgery, I told the third party that I had definately not notarized this and that it was fraud. Additionally, there was no journal entry to back up this job, and I took journal entries for all transactions in all cases.

My advice
If you always use an embosser on all pages of all documents, you deter the switching of pages after the fact on documents you notarized. You make it almost impossible for someone to get away with forging your notarizations. Additionally, you impress your clients with how thorough you are which can gain you more business. An embosser is less than $40, so get one today! Some states will require a government issued authentication of permission to get an embosser, so apply now!

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Notarizing a kidnapper

Do you like your job?

Fraud and Forgery related to the notary profession

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April 15, 2011

My premonitions about my trip to NM came true

Filed under: General Stories — admin @ 9:23 am

Before my last trip to New Mexico, I had several dreams which I wrote down that were premonitions.

I dreamed about a Spanish resort and grounds. I was to meet with my banker at this place. I thought this meant I would have to call a bank or make a payment before I left on my trip. I actually did not stay at a Spanish resort, but visited one that I had visited before. I never found out what the grounds represented in the dream. The bricks in the garden represent plans for the future. My trip was a relocation trip. I had planned on considering moving to New Mexico, but I reconsidered due to many factors.

I had a dream that I would go to a cool bar that I read about in a magazine. I went to an eclectic restaurant with a bar. It was the coolest spot in town with all types of nostalgia all over the restaurant. In the bathroom there were sinks made from whiskey barrels. There were route 66 nostalgia all over the walls. The restaurant had animal heads from hunting trips mounted to the walls. The food was good too, but finding this place in the middle of nowhere was weird.

Then I had a dream about a hotel room where I would turn left at the end of the room and go up two flights of stairs and then turn right to go to the bathroom. I went to a Syrian lady’s store where to go to the bathroom I needed to go out the back door, turn left, go the distance (on flat ground) of two flights of stairs, and then turn right, go up four stairs and then into the bathroom. Interesting coincidence.

I also had a dream I would see a UFO and feel an odd vibe. I never saw anything, but I was driving on the border of AZ and NM and felt a weird feeling. The back of my neck started going numb. I decided to get out of there as I did not know what was going on.

My trip resulted in horrible leg pain, so I am taking Chinese herbs and getting a lot better. My gall bladder got inflamed during my trip and now I am nursing it with green juices, herbs and meditation. The trip was disappointing, but perhaps next time will be better.

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Leave a few spaces open in your journal?

Leave a few spaces open in your journal
 
Have you ever heard this phrase before?  These are the words a lender will tell you when they want you to backdate.  If you leave a blank page in your journal a day before the signing, then it will look like you really did notarize their loan documents on the date that you claimed you did.  This is completely illegal, but this is what many lenders will ask from you when they are in a pinch.
 
The lock
Lenders can offer their borrowers a particular rate, but there are expiration dates.  If a loan has a lock that expires on the 28th at midnight, and the loan documents were not ready to be compiled, sent, printed, etc., on the 27th or 28th, then the lender is in a bind. They will have to redraw all of the loan documents all over again and have a slightly higher rate, and an irate borrower. To save themselves this nightmare, they will often ask the notary to fudge a date when in this situation.
 
It’s your notary commission
If you get involved in this type of fraud, you could get fined by your state notary division, lose your notary commission, or perhaps even be looking at jail time.  Since there is no intent to harm anyone, jail time doesn’t seem probable, but laws differ from state to state, and the laws are always changing.
 
Lose the client?
I was asked to do this a few times.  I said no, and lost the client. Maybe I’m better off. Lenders love notaries who will lie, cheat, and steal on their behalf.  They will love you if you can look at a loan which is an obvious rip off and say nothing while the borrower is signing it. Of course, its not your job or entitlement to make commentary about someone else’s loan. You will be making someone lose thousands by butting in, and its not your right.  Lenders also love someone who will forge an initial or put yesterday’s date on a Jurat certificate upon request. You would not believe how many Title company staff members have forged omitted initials on Deeds of Trust, and other documents that require initialing.  Few of them would dare forge a signature as that would involve jail time, but some feel that its open season on initials.
 
Just say no
Don’t get involved in this nonsense. Its your life, your karma, and your commission.  If you get armtwisted once, you could easily get in the habit, not to mention feel ashamed for the rest of your life.   Additionally, it is recommended that you avoid screwy companies like the plague. These are exactly the same companies who will have no qualms about cheating a notary out of their pay for little or no reasons at all.

You might also like:

Index of posts about journals
http://blog.123notary.com/?p=20272

Notary Public 101 – Journals
http://blog.123notary.com/?p=19511

Everything you need to know about journals

Signing agent best practices

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April 14, 2011

The Story of 123notary.com

Filed under: Social Media — Tags: , , , , — admin @ 2:21 am

The story of 123notary.com 
It was late on a Friday night in 1999.  I was at a Title office waiting for documents to be ready for a late night signing. It was up in the valley, perhaps in Encino, CA.  In the mean time, the title officer was trying to find a notary in Pagoso Springs, CO.  We were using signingagent.com since that was the only signing agent directory we knew of at the time.  The problem was that there was only one notary in that county who didn’t answer their phone, and there was no way to find notaries in neighboring counties unless you knew the names of those counties.  At that time, you could only look up by county on signingagent.com. 
 
The birth of a vision
This was the birth of my idea to build my own database.  I was going to figure out what all the problems were with the other sites, and create my own with some new and practical features.  The feature that stuck out in my head was neighboring counties.  Its hard to know what counties border a particular county unless you have memorized the geography, or unless you have a good atlas.  These days with mapquest and google maps, that problem is much more easily surmounted, but even those sites are not always easy to use.  The concept of links to neighboring counties is easy for the browser.
 
Neighboring counties
Every county on 123notary has links to neighboring counties. That way, if you can’t find someone to do your job in Lemon county, then you will find a few links to nearby counties such as Lime and Cherry counties.  Sometimes we’ll have up to five links, while other times we will only have one. Remote areas might only have one link, because there is only one county where you would be likely to find anyone based on its higher population.
 
These days we do even more
For the last few years, I have personally gone beyond just listing links to neighboring counties to help people find notary services.  I will list notaries from surrounding counties who service the county being searched for.  I’ll just put them below the locals in the search results, so you find people in a rough order of proximity.  Of course, someone in a neighboring county might be two miles from the notary job, while someone on the other end of the same county might be twenty miles away from the notary job.  But, in the notary business, availability is more important than exact proximity, so this rough system functions well enough.
 
123notary was only for me when it started
The first year 123notary was around, it was designed to promote my personal notary business  for a few counties in southern California for me to advertise my personal notary services.  Yellow Pages were getting too expensive, and I wanted a more cost effective way to advertise.  After a while, I thought it would be better to have others share the cost with me, so I started offering listings to other notaries in Southern California. Then, we covered all of California.  By 2001 we decided to cover the whole United States and started populating the central and eastern states with notaries.  It was grueling hard work to build 123notary, especially since I was doing notaries fifty-five hours a week, and spending another fifteen building 123notary. I had no knowledge of the web business back then and had hardly any money.   All I had was an amazing drive and some great ideas. 
 
Its easier now
Now, when I create new web modules for my sites, or do new promotional programs, I have a decade of experience. I know what to do, and when, and what the most efficient ways of doing everything are.  Nothing beats experience.  But, I’m much more tired these days, and can not do the daily thirteen hour shifts that I used to do back in the day!

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You might also like:

Most of what Jeremy & Carmen at 123notary offer is free!
http://blog.123notary.com/?p=19359

All about 123notary
http://blog.123notary.com/?p=18897

The story of 123notary
http://blog.123notary.com/?p=710

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April 13, 2011

A few testimonials on 123notary

Filed under: Advertising — Tags: , — admin @ 4:20 am

123notary has been working overtime to get the best marketing for its notaries.  Here are a few of the tesimonials that we have gotten.
 

Testimonial #1: $7000 extra per month!
We’ve been in business for six years in the Kansas City area.  As of July 2010 I added a listing on 123notary.com.  I tracked the source of all my business, and 123notary was responsible for us getting an additional $7000 a month in revenue!
 
Michael Tomlinson
 

Testimonial #2:  90% of jobs from 123!
When I ask a Title Company how they got my name 9 out 10 times they reply, 123Notary.  I get almost all of my mobile notary work from this site.  When I asked Carmen how I could get even more work she explained how to better market myself on the site.  She also suggested that I purchase a higher P# for my area.  When I did what she suggested, the calls really started to come in.  The higher P# has really paid off! Thank you, Carmen. So, will I renew my listing with 123 Notary?  You bet I will.  Because of this site I am still working and making a living while others are not! 

Claudia in Tennessee

Testimonial #3: 123 has been my #1 advertisement!
No matter how many listings I’ve ever had, I’ve always made 123 my #1 listing.  When business slows and you have to make a choice, the decision is easy: 123Notary!  I’ve been with listed with 123 for many years and have made thousands and thousands of dollars with my top spots, worth every penny. 123Notary is  a wise choice in your Notary Public and Loan Signing Agent marketing budget. 

Kelly M. Robertson

Testimonial #4:  123notary tops my google analytics for clicks and jobs!
I was lost, I could not find my way. I stumbled from notary site to notary site. Then, suddenly, the fog lifted and a bold new day began. I FOUND www.123notary.com! My life changed for the better. The phone started to ring – the work grew and grew. From being an unknown frog suddenly I was a Prince! Then it got B*E*T*T*E*R !! I discovered that I was not alone – I found “The Forum”. My peers (err make that “my betters”) could help and advise me when the going got rough. Many were the questions that I could ask nowhere else. I was no longer frustrated and alone with my questions and issues. The sun started shining – a new day has dawned for me. Soon, with “a little help from my friends”, I was charging fair rates, making lots of money – and actually enjoying myself because I now had some idea of what I was doing! My personal life improved, I was no longer depressed and lonely, even Jeremy noticed the change in me. 123Notary has turned my life around – given me purpose and direction, and a wallet that often needs repairs at the seams! My finest moment with 123Notary.com was when this cute little gal called me for some advise (hmmmm perhaps that story would be better not told). But I can say that my Google Analytics clearly shows 123Notary.Com as the LEADING source of my referrals. And if you do a google search on “Kenneth A. Edelstein” you will find I have published a bunch of articles and am a member of LOTS of organizations, including the local BBB and Chamber of Commerce. But, nothing (with the possible exception of that gal who wanted some advise) has given me more calls and things to do. If you are not a member of 123Notary.Com – and you are a Notary – you are making the biggest possible mistake. JOIN – CHAT in the Forum – give and gain from your peers. I’m glad I did. Thank you. 

 Ken  A. Edelstein

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You might also like:

123notary’s comprehensive guide to getting reviews
http://blog.123notary.com/?p=16290

Reviews about 123notary from 2014
http://blog.123notary.com/?p=14072

What is the secret to Carmen’s success?
http://blog.123notary.com/?p=20059

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