May 2016 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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May 31, 2016

Changed! Form 4506 Request for Copy of Tax Return

Changed! Form 4506 Request for Copy of Tax Return
Also changed is the similar Form 4506-T. Both forms being reviewed are September 2015 (look in upper left hand corner). The big change is the addition of a Mandatory check box next to the signature area. The signer must check box to attest to having authority to sign either form. “The form will not be processed and returned to you if the box is unchecked”. So, heads up about this – make sure they check the box when they sign. As we are there to make sure forms are completed correctly – take a few minutes and read the instruction page.

Most of the time the package will include Form 4506, but, perhaps not. The 4506 now has a fifty dollar fee per year requested, in addition to the above mentioned check box. There is another new option for the 4506. It’s a check box (at the extreme right) “If the copies must be certified for court or administrative proceedings”. That is probably necessary if the document is to receive an Apostille, but not sure. Either spouse may sign the form, or both may sign – I usually try for both.

Form 4506-T is quite different, rather than requesting a “copy” of the actual return; it requests a “Transcript” of the entries made on the return. This one is processed free. Oddly the contents of the 4506-T are specified on the 4506. At the top of the 4506 it states “The transcript provides most of the line entries from the original tax return and usually contains the information that a third party (such as a mortgage company) requires”.

Form 4506-T contains several options (again with check boxes on the right hand edge). Line 5 (where to send it) probably should be completed with the address of title or similar; otherwise the info is sent to the taxpayer. Prior to the check boxes the choice of which form must be entered – most would probably enter 1040. Then it’s on to selecting what type of transcript is required. It’s all on the form, so I’m not covering options 6-a to 6-c. Line 7 is interesting – here you request from the IRS proof that you did NOT file a return for tax year(s). Line 9 is where the tax years requested are specified.

The attestations of authority checkbox and signature areas are basically the same on both forms.
So, with the 50$ fee for the complete copy; many are likely to move to the 4506-T, processed at no charge. Thus, it would be wise to print them both each has only one page of instructions. Read the instructions carefully and understand the difference between the two. It’s unlikely that the borrower will know what options are required on the 4506-T. It’s best when you see it to review your instructions for what options are wanted. If no information is given, call for details. It appears that 6-c and option 8 provides the most complete information.

Fortunately, neither form requires notarization, yet? What sets us apart from the “bank notary” is our dedication to keeping up with changing requirements and understanding the need to have forms completed properly. Make sure that line 5 (shipping address) is not overlooked. And, if you have a 4506-T to work with, know what entries are required – don’t guess. And don’t rely on “them” to pre-enter the necessary information. Get it right the first time and be the one they call regularly.

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Ken’s tips for the Closing Disclosure
http://blog.123notary.com/?p=17116

The Signature Name Affidavit
http://blog.123notary.com/?p=16298

A comprehensive guide to Deeds
http://blog.123notary.com/?p=16285

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May 29, 2016

You lose $37.50 each signing you don’t answer the phone.

If someone is shopping around for Notaries and you either don’t answer your phone — or worse, you answer only to tell the caller that you can’t talk because you are at a signing, you will not be at the top of many people’s list unless your work compensates for your poor phone etiquette.

Signing companies don’t have time to waste. They might have to call twenty people to fill a job. The faster you answer your phone, the more headache you are saving them. If you are at a signing, that is not the only signing you will do for the rest of your life. To keep in business, you will need other signings. By not answering your phone, you might be losing out on a new clients who will give you five jobs a week for the rest of your life, but you blow it by not picking up. Or, it might be someone who used you once before who will become a regular, but not if you say, “Sorry I can’t talk, I’m at a signing.”

If you answer your phone (and please do,) give the person calling you some respect. Give them ninety seconds before you cut them off by telling them you are at a signing. If you start the conversation by saying, “I’m at a signing.” They will feel pressured, uncomfortable, rushed, and not like talking to you. People do this to me all the time. I just say, “Never mind, I’ll talk to someone else.” What I have to tell them might really help their career, but they’ll never know because they didn’t give me a chance.

How much business do you lose each average hour you don’t pick up? If you do $200 in signings per day and the calls come in little by little, you are losing $25 each hour you can’t pick up. So, if the signing company instructs you not to answer your phone, tack on an additional $25 to the total cost, or don’t agree to those terms. If a signing is 90 minutes, you lost $37.50. My numbers are based on my experience back in the day and might not be representative of today’s world or your world. But, they make a point. The point is that your time is valuable and so is your ability to communicate with the rest of your species. Think about it!

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May 28, 2016

May Best Signing Company Gossip

Here is some of the best gossip that we’ve had in the forum in a while!

—————————–
POSITIVE POSTS
—————————-

Signing Wiz, LLC
“The communication is great, the docs are on time, the instructions are clear.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4386

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

The Accurate Group
“I have worked with Autumn and find her very professional and no hand holding (seasoned agents hate that). Docs always on time as well as payments. Only require a call after closing to confirm completion.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6389

———————————-
THE OMG SECTION
———————————

Signing Stream
“I was at these people’s home for 3 hours. When I got in my car, I called them and said I just got done. I said there was no way I could call you after an hour’s time. There is nothing in this Paper work that was right. The Borrowers have spent well over an hour and a half on the phone with their Loan officer. I said the Name was misspelled and that all had to be corrected.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7166

“I was paid within 4 hours of completing the signing.”
Doc Signers, Inc.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4587

$30 for 2 sets of doc?
$30 for 2 sets of documents, 150 pages each, 50 miles round trip. Worth it or not?
Global Notary
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2517

Syntax errors on a signing company website?
Incorrect verb tenses? Did they outsource their web development to India and not check their work?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6948

Mortgage Connect
“The 25 question test they put together is basic but flawed in many ways. The test maker seems not to have researched the answers to questions asked and wreaks of errors.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4781

——————————
GENERAL WHINING
—————————–

Deducting $5 from my fee?
See post from 11-09-2015 by TinaMarie…
TinaMarie says she will not take assignments from this company because they are always deducting $5 from her fee for one thing or another not to mention having to wait 60 days for payment.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5872

“And you were paid Paypal because they couldn’t find anyone else to bite.”
ASAP Pro
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2984

You will be sued for slander if you report this incident?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7106

“People in the Wild West had faster delivery by stagecoach.”
Why does it take 10 days to get a check by USPS?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3425

“I have found that any company that uses Snapdocs has lowered their fees by at least $10.00, if not more.”
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7173

“They only pay $40 for loan mods.”
Signing Trac
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5761

“This might be a good time to learn how to use the email filter in your email program.”
Does USA Signing Agent.com deliver, or do they just blast you with emails?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7156

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

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May 24, 2016

Disgusting – Nobody wanted the Notary Job

Disgusting – Nobody wanted the Notary Job
I write this with a combination of sadness and rage. First, let me clear up the use of the word disgusting. That refers to the “so called” “Notaries” who flat out refused the assignment that will be the topic of this entry. I hope some of them will read this blog entry and, perhaps, change their ways.
The call was from a distant location, one that would require double my local fee. Initially, prior to learning the details, I informed the caller about 123notary and Notary Rotary. I suggested they search using their zip code to find a closer agent who could process their job more efficiently and at a lower fee. About an hour later they call back to report that none of the “Notaries” they contacted would accept the assignment. Intrigued, I asked why.

The job entailed 4 one page documents, and a 12 page document. All were to be notarized. So far, routine. However the affiant was both blind and partially disabled. The affiant had already had the documents read aloud, and was totally able to understand the contents. They related to investments. Not wanting to work for someone who has perfect ID and is rational (actually highly intelligent) is, IMHO a notary sin. The MINOR limitations could be accommodated and the notarizations could proceed quite legally.

I established some “ground rules” to protect the affiant. While I was in route to the location the documents were to be read aloud – slowly. Every word. I was informed he could sign if the arm was supported – the affiant was able to use his hand to sign. Each document contained a statement by the “reader” as to reading the complete text aloud. I required that this take place prior to my arrival, and again in my presence. That process added an hour, of course at no additional charge. The appointment was confirmed and I began the lengthy journey.

I met a person who awed me. Not being the least bit negative as to physical condition. Cheerful, bright and witty were the initial impressions. Only later did I learn the depth of intelligence. My client was an investing genius. What Stephen Hawking is to science, my client was to investing. I felt an inner glow when my client told me that my fee for travel was fair; and it was understood that the extra time the procedure took was not part of the fee. How kind it was to hear that spoken.

I was told that the documents were already completely understood; and that my insistence at being present for an additional reading was both appreciated and unnecessary. I’m passably intelligent, but I know enough to appreciate the vastly superior intellect before me. With the formalities completed, double and triple checked; we chatted a few minutes. We discussed the notary function, and I was able to cover some of the regulations and procedures mandated by NY State law. The conversation turned to investing and market trends related to the upcoming (2016) elections. I learned a lot.

To the heartless, self centered, poor excuse for a “Notary” who dismissed this assignment; I say “shame on you”. Not only did you miss an EASY job, but you also missed some very useful investing advice that is sure to yield me profits far greater than a mobile notary fee. Back to that fee. I did consider charging my local rate. But, that would be treating this client “differently”, and bringing up the subject might be viewed a pity; something neither needed nor appropriate.

Some might consider my client “handicapped” or think (to themselves) “there but for the grace of God go I”. I prefer to think it’s a routine assignment, costly due to distance, lengthy because we are all different; and important because we are all human.

You might also like:

The joy of saying no
http://blog.123notary.com/?p=10189

Protecting yourself with a contract
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May 23, 2016

My interpretation of how the Notary industry went South

It is sad to see what has happened in the Notary industry. Notaries who were getting paid a comfortable living are now working for peanuts or have left the field alltogether. Some people blame signing companies for lowering fees. Others attribute the problem to SnapDocs. A few claim that the lack of volume of jobs in the Notary industry combined with too many signers has caused a drastic lowering in fees.

Why are fees so low?
If you ask me, there are several things going on here. Yes, SnapDocs created an automated way to get Notaries for cheap which involves very little work for the signing or Title company. Additionally, in the old days, Title companies used to pay a lot more than signing companies. These days, many Title companies are paying low fees as well. Yes, there are too few jobs and too many Notaries. And yes, the interest rates haven’t changed much in seven years since the Mortgage crash. The bigger fact is that due to the Mortgage crash in 2008, banks cannot lend money unless you have good credit. Since our government is eating up so much money by borrowing it to fund its insatiable hunger for cash — that might be the reason there is very little left over to lend to homeowners.

Low interest rates caused by artificial market conditions
I feel that low interest rates are artificially maintained because the government will go out of business if interest rates rise even one percent. That means there won’t be any more America, no more USA flag, no more hamburgers — okay, there will still be hamburgers, but nobody will be able to afford them. By preventing people with average credit from borrowing, that leaves more money available for the banks to lend the government. The government refuses to lower its spending on wars, military, jails, interest payments, education, infrastructure, etc. If we would cut military spending and put the people in jail in a penal colony where they could work for a living, we could pay off our debt, and not go out of business as a nation.

Reasons for lowered fees:
(1) Banks aren’t lending much >> too few jobs
(2) Too many Notaries
(3) SnapDocs facilitates low-balling
(4) Low skill of most Notaries

Low skilled Notaries
I spent four months in 2015 testing Notaries over the phone. We got our total count of Notaries from 1600 to 2000 which was a huge victory for 123notary and for those who passed our test. However, I noticed that most Notaries had no clue what they are doing and didn’t understand Notary law, signing agent knowledge, and couldn’t even follow directions properly not to mention not having much common sense. For signing companies hiring Notaries, if you limit yourself to hiring good Notaries, your selection will be really small. So signing companies got smart and started planning for incompetence. This is why they prefer to hire unskilled Notaires, and then have them fax everything back to double check their work. Instead of hiring a pro like Carmen for $175 per signing, they can hire a complete novice for $40, double check the faxes themselves, and make a huge profit. I don’t like what the signing companies did, but this is the fault of Notaries not knowing what they are doing. Had Notaries educated themselves, this fax back system probably never would have evolved. It evolved through dealing with incompetent Notaries who in my opinion should not even be Notaries. The state Notary divisions are run by fools who don’t test or double check their Notaries’ work for the most part outside of CA, NY and LA. And the Notaries in the states with testing are not that proficient either. In my opinion a skilled Notary is worth $100+ per signing. But, an unskilled one (unskilled by my standards not yours or NNA’s) is worth $40 per signing and don’t even deserve to work. So, there you have it, that is my point of view which you might not like!

Unfortunately, many of the high skilled Notaries have had to lower their fees or leave the industry alltogether (which was horrible for 123notary) because of the lowered fees and fax back system. Many are still around, but they have to charge $85 to $100 instead of $125 to $150 which is probably what they are worth.

The future of America
As I mentioned before, the government seems to have manipulated the banking industry to make huge amounts of cash available to borrow at low rates. This is actually not a bad thing, because it prolongs the amount of time that America can be a nation. The bad thing is the stupidity that led up to this huge 19 trillion dollar debt is the thing that should borrow you (or bother you.) In real life you cannot keep borrowing and borrowing and borrowing. It has to end sometime and when it ends, you could lose some, most or everything you have. As an individual you can recover, but how can a country recover? Are we going to click the reset button? It is not China and Japan that lent us most of the money — they lent only 15% of the money. The majority is from banks and some local investors. If America can’t pay its debt, the banks will be insolvant. That means not only no more America, but no more financial system like we know it today. Sure, we will still be here, and hopefully won’t starve, but it is not predictable what will happen.

My spiritual guru predicted that America would experience some devestating natural disasters, go broke, and fail to be a nation. We would be fifty states. These fifty states will not have much of an ability to borrow money to function after the big crash, so expect massive poverty. Whatever problems you have now are nothing compared to what is going to happen.

The future of Notary work
It looks like Notary work will continue on being slow for the next few years since there is not much money lying around to lend to house buyers. Sure, there might be blips and temporary fast times, but for the most part slow. This will continue until our country goes off the waterfall, or has a huge war or financial restructuring. After the crash, it is completely unpredictable how the world’s financial system will be. I’ll have to meditate on that one. In the mean time, just do your best, and try to be more of an expert at what you’re doing.

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Best Marketing Resources for Notaries
http://blog.123notary.com/?p=16322

The Notary Industry is Getting more Professional
http://blog.123notary.com/?p=15987

David Schwimmer on The Apprentice
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May 21, 2016

Signing Stream

Here is what Notaries are saying about this outfit
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5872

overqualified1
“These people are the worst. Very low pay, slow pay and high expectations for reporting status over and over again. Never again.”

LindaH
“Please tell me that’s $60 for a one or two document signing and NOT a loan signing.”

TinaMarie
“I will not take assignments from this company. They have continually deducted $5.00 off of my $60.00 fee, which included faxbacks. Each time they have some excuse why they are deducting from my fees.
Bad signing co. to work for. They also take over 60 days for payment.”

StamfordNotary2
“I have finally been paid, so I can now post my experience. The short version is: I will not do a signing for this company again unless I get paid in advance.

Roland called me from SigningStream in August 2015 for a same-day closing. I read the reviews here about long delays in payment, and then told Roland that I would take the job only if he could guarantee I would be paid within 30 days. He assured me that he could, so I dropped everything, printed out the hundreds of pages they sent (as seven different documents), and headed to the signing at the customer’s home.

Half an hour into the signing, the doorbell rang. It was a local attorney who had also had been hired to conduct the signing, and had a complete set of documents with her!

I finished the signing and made the necessary report (you must report signing complete within 1 hour) and faxbacks.

30 days went by and no payment. I contacted Roland and he said he didn’t know why there was a delay, but payment would be made soon. This turned out to be incorrect.

I continued to follow up weekly, and signingstream continued to say that the check would be mailed “very soon.” Each time I was told this, it was untrue.

Finally, 63 days after the closing, I got a call from someone at SigningStream saying that my fee was too high. The caller said they don’t normally pay that much and asked me to justify why my fee was so high. I could not believe that after they kept me waiting more than two months for payment, they were calling to question the fee that they had agreed to for the same-day signing! I simply explained that that is my minimum fee for a signing with faxbacks. After this phone call, it still took another ten days after that to receive the check.”

egw91145
“Have rceived a couple calls from these people offering $60 for a closing. I couldn’t help but laugh in the poor girl’s ear. I negitiated it up to $85 was then told there would be fax-backs to check my work. Told them no thanks, and that they might be better off looking for novice notaries and to leave me alone.”

cpmorgan
“Very bad experience. Did a closing for them 2 months ago. The Lender was “Cash Call” Mortgage. Called to demand payment and was told they are still waiting to be paid by their lender. Contacted “Cash Call Mortgage” and was told they paid Signing Stream over a month ago. Signing Stream does not pay and obviously has serious financial problems that causes them to float the notary’s fees like they do. I personally recommend that you DO NOT accept any signings from this company as you will have to fight for your fee. Look closely and you will see that they operate exactly like a Ponzi Scheme. They use current signing fees paid by lenders to pay the oldest and most vocal “past-due” signing fees owed.”

DanNotary
“How many times do I have to tell them not to call me again. Called again wanting an evening appt. for double loan package, 18 miles away, that they want to pay 60. each for. print 2 sets, fax backs etc. Of course they promised large volume of work- a promise I used to fall for 17 years ago, never is true anyway. I told them even if they did give me huge volume, it isn’t worth running myself ragged for and making nothing on it. WE ARE NOT RETAILERS SELLING PENCILS OR GOODS BY THE DOZEN OR THE GROSS- WE ARE OFFERING HIGH QUALITY SERVICE EVERY TIME, THIS IS NOT DISCOUNTED.”

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May 14, 2016

Trusted Signing, Inc.

Here is what the Notaries have to say about this company
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6833

ollile
“On 02/12/2016 we posted comments about Xome Signing. We also said that if they remitted we would let you know. Well, today they remitted! We received the balance of the agreed fee.
By-the-way, we used the letter that is available to us via 123–worked like a charm.
Will I work for them again, yes I think I would, if they offer?”

Fuzzy1955
“Xome just shut me off from receiving business not because of problems with files but because I raised a potential security issue with them. Xome solicited me to sign up for direct deposit. I did so by Faxing them my personal account information as I did not want it to be sent across the internet via email. Sending unsecured information across the internet is the very reason we go to various internet sites to pick up documents – SECURITY of personal data!

Once they connect your direct deposit they send you an email (in my case 2) in which there is a link to a PDF attachment of the document I filled out, which includes my account information!

They did not seem to understand that this is an issue to me. I tried several times to explain why this was a problem but the lady on the other end kept insisting all the big companies have audited them and they are in compliance for security. While I appreciate the notice that the connection has been made, there is NO reason to INCLUDE THE ORIGINAL FAX I SENT SO AS TO AVOID THIS VERY ISSUE!”

BucksMSA
“First, even though 123Notary’s own blog has aptly informed it that Trusted Signing is now XOME, the newest signing company lists this as “Trusted Signing” instead of XOME.

Second, when they switched to the XOME App, my app did not work on my iPhone initially since it was a iPhone 4S. Now that I upgraded phones and reinstalled it the app does work but it has no ringtone or chime I can associate with a new signing. But that did not even matter because one day while I was looking at my iPhone I saw an order came in and immediately replied. But I did not get the assignment. Obviously, there may be time delays die to cell phone transmission delays.

I used to do a brisk business with them. Since they switched to the XOME app, my business has declined to ZERO. I have easily lost over $1000 in signings since they did this. ”

BigLar
Xome has been sending me offers regularly via their mobile app.
Having said that, there is a fee offered which you can readily accept (and get the signing, btw) or you can reject it by saying that the fee is too low, or you’re busy or whatever.

Their fees are low, IMHO, although they claim that they pay us 72% of the fee but they’re trying to keep their fees low to their customers.
I have accepted some, but rejected others for low fees. I never hear from them in that event, apparently someone is willing to work for less.

It’s clear to me that they do not value the service we provide, nor do they truly realize what it costs for us to maintain our services. I just repaired the water pump on my car to the tune of $672 so I feel the pain right now.
I will say this, they pay quickly, I did two signings for them in December and got paid already for both. ”

retiredkop
“I got a request from them last week for a signing today in a neighboring town for noon today. The day before the signing I didn’t have the documents, I also got another call on an assignment from National loan Closers. I said I was busy at noon so I said It would do it t 2:00 PM, the agreed. I thought it would be a good afternoon with two signings in the same town each paying $150.00. I got an e-mail from National Loan saying the documents were ready, still nothing from Trusted Signing on their appointment. As I printed the documents I noticed they had the same Title 365 number on it as the one from Trusted. I called trusted and they called me backing saying the mistake was the borrowers fault , they applied for two refinances. I know the borrower for some time, they said they only applied with one company, title 365, and couldn’t figure out why they got a call from Trusted, and National Loan wanting to move my signing time to 2:00PM.

I finished the assignment for National and still had no paperwork from Trusted, just lame excuses. From now on if Trusted Signing had a refinance at my next-door neighbors house and offered to pay three times my normal rate I still wouldn’t work for them. Trusted Signing, can not be trusted!”

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May 10, 2016

Apps that Notaries have never heard of that could change your life

Here are some apps I researched that you might really like. The last app article we wrote was so popular, that we decided to create another one. Let us know which apps you are most “apt” to use in the future!

ORGANIZATIONAL

The 16 best scheduling apps
Just see this list and decide for yourself which one you like the most!
https://zapier.com/blog/best-meeting-scheduler-apps/

4 best shipping apps
These can be used with UPS, Fedex and other carriers. Read the list for yourself.
http://www.entrepreneur.com/article/224495

Wave
https://www.waveapps.com/
Create invoices wherever you are using your i-phone. Don’t wait until you get back home to bill that signing company, wave them an invoice right when you drop the package at Fedex. Wave will tell you if your invoices are past due, or have been viewed.

MileIQ
https://dashboard.mileiq.com
Track your miles for the IRS tax deductions with this app.

MileBug
http://milebug.com/
Keep a log and track your expenses on this popular app.

Evernote
https://evernote.com/?var=2
Evernote is a modern workplace that helps you can write notes of any type from lists, to research projects, to articles written by yourself or ones you found on the web.

NAVIGATION

On The Go Map
http://onthegomap.com/#/create
Map your route with On The Go Map with ease. You can even send it to your clients at a touch of a button.

Inrix
http://intrix.com/
Check road conditions at a glance. Map routes, get traffic maps and road alerts.

Waze
https://www.waze.com/
This app is a GPS, and community based traffic and navigation app. Waze will also help you find the cheapest gas on your route.

Beat the Traffic
https://www.beatthetraffic.com/
This app will tell you which route has the least traffic.

GENERAL

Lockify
https://lockify.com/
Send information to your clients encrypted. That way you ensure the confidentiality of the information just in case. Nobody has the key to your info — not even lockify. Your secrets will be bound, sequential, and under lock and key — all lockified up!

123notary.com/s
123notary.com/s
Look up signing company reviews. 123notary already has this for i-phones. It is a page, not an app, but what is the difference right? www.123notary.com/s

Gas Prices in US, Canada
https://chrome.google.com/webstore/detail/gas-prices-in-us-canada/ogiokghpcdfhbhfpmaapaniooojfigga?hl=en
This app helps you find out what up to date gas prices are like in any neighborhood in North America. Of course with gas getting so cheap, perhaps we don’t really need that app appter all…

TRANSLATION

iTranslate
http://itranslateapp.com/
Get Notary documents translated with this app. But, beware, not all computers translate as well as a professional human translator.

Google Translate
https://translate.google.com/
This is one of the most renowned hi-tech translation devices. Try it — it doesn’t cost anything.

iHandy
http://www.ihandysoft.com/apps.html
This app will help you translate directly from one language to the other. Just write a word or phrase in the box. It might really help when you have to ask your signer to raise their right hand and swear under Oath. “Tu jura esta documento es correcto?” “Oh, Ci….”

FICTIONAL APPS WE MADE UP

Notaryz
Find a Notary who does it all, and compare scores on standardized tests as well. (sorry, fictional app just for fun.)

Kullect
Trouble getting paid from signing companies? Use Kullect and let us do the work. We’ll harrass the signing companies until they pay you.

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May 9, 2016

Best Marketing Resources for Notaries

Are you a mobile Notary? Do you want to expand your business? It’s hard to get a lot of Notary business, especially in this economy. However, if you play your cards right, you can do amazingly well. Here are some of our best marketing articles for the new or veteran Notary to get ahead.

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ACTIVE MARKETING
Please consider that you need ACTIVE marketing as well as PASSIVE marketing. Active marketing involves contacting signing and title companies one by one in addition to Attorneys, hospitals, and anyone else you wish to work for. Active marketing will be more labor intensive in the beginning of your career as you do not start out by being on any organization’s list. However, once you are on the lists of at least 200 companies, then you will most likely be spending more of your time working and less of your time looking for work.

Also Read: How to start a successful mobile notary business from scratch
http://blog.123notary.com/?p=13340

Getting on board with Title & Signing Companies
http://blog.123notary.com/?p=14851

Dormant Contacts
Even after you are on the list of a company, you still need to contact them from time to time to just let them know you exist and want to work. We suggest that when Notary business is slow in the beginning of the month you schedule time to call your contacts who are dormant in hopes that they might actually use you one day.

Requirements for work
* Certain big title companies like Chicago Title require 500,000 E&O Insurance
* Other title companies want 100,000 E&O
* Some Notaries show off by having a million in E&O which is expensive and makes you a target for lawsuits.
* Others want a current background check from a reputable vendor such as the NNA or Sterling, but not necessarily from the other vendors.
* Some want vast experience as a Notary while others prefer beginners who will work for cheap. If you work for companies that hire beginners they will micromanage you. If you are tired of being micromanaged, try to work directly for companies that hire experienced and reliable Notaries.

Is an NNA background check really necessary to get work?
http://blog.123notary.com/?p=10385

Certifications
Many companies like it when Notaries are certified. But, there are many vendors offering certification and which one is the best? NNA certification is the most widespread and widely recognized in the industry. But, on 123notary, people looking to hire Notaries pick 123notary certified members more then twice as often as they pick Notaries who aren’t. My suggestion is to be certified by three or more agencies — that way you’ve covered all of the bases and will make quite an impression.

Printers
As a Notary, you should have a fast and reliable printer and perhaps a backup printer. Dual tray laser printers are the standard tool of seasoned Notaries. Single tray printers might be okay if you have software to figure out what size paper is for which document. Some Notaries print everything on legal although some Lenders might not appreciate that.

Professional Dress
Business casual is the official dress code for Notaries. No shorts, flip flops, tank tops, jeans or torn clothing please.

Low-Ball Offers
As a Notary, you will receive a lot of low-ball offers. Notaries complain endlessly about this. If you are not an experienced Notary, low-ball offers might be your ticket to getting experience. Personally, I feel that new Notaries do not merit high paying Notary jobs and should work for low fees. However, once you have educated yourself in the “art of the signing” and have paid your dues by accumulating an experience of more than 2000 loans, you should get paid at least an average of $110 per signing otherwise something is very wrong. The economy does change over time and wages change too, so be flexible and work for whatever people will pay you.

Related Content: Low-Ball Signing Companies? How to get biz directly from Title
http://blog.123notary.com/?p=14950

Cattle Call Notary Offers
http://blog.123notary.com/?p=9841

Setting Prices
Notaries need to be flexible and realistic about what they charge. Some Notaries are too snobby to take low paying jobs and end up starving. Other Notaries take too many low paying jobs and miss out on the good jobs because they are too busy working for peanuts and then spending their profits on gas, toner, paper, and other expenses. You need a sophisticated model for pricing that incorporates the time of the month (month-end is busier and should be more expensive) distance, timing, traffic, and how many pages the job will be.

* Base your prices on how long you estimate a job to take including traffic.
* Lower your prices at the beginning of the month when business is slow
* Expect to be paid poorly until you have at least 1000 loans signed
* To get paid well, you need a constant supply of regular clients who pay well which you accumulate over time
* You need to advertise heavily to get a constant supply of new clients in hopes that some will become regulars.
* You need to be on time, be nice, not make mistakes and get docs back on time to get rehired.
* Base job time on the name lf the Lender as packages from particular banks are normally a particular (+/-) number of pages and then factor in traffic on the route you’ll take at that particular time of the day, night or weekend.

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PASSIVE MARKETING
Passive marketing involves advertising on directories. Once your ad is out there, companies can find you. However, not all advertisements attract the same amount of business, and not all Notary directories are equal. Online yellow pages are yet another way to advertise as well as Google local, however we do not know much about the results of such advertising. Passive marketing is very powerful as you get motivated buyers calling you when they really need something done. However, most Notaries are neglectful in the creation and maintenance of their advertisements and do not get the full potential of their investment. A good Notary profile has reviews from satisfied clients, certifications, and a powerful and well organized notes section. You need to do everything right to maximize your results.

Where to advertise
123notary, Notary Rotary, Notary Cafe, and Signingagent.com are the four most powerful players in the Notary advertising business — in that order. You should advertise on all four with a paid listing. 123notary offers high placed listings. We suggest that you pass our certification before investing in a high placed listing. High placed listings get you more business as well as better quality (and better paying) Title company jobs — and it means that you will be seen first before people start scrolling deep and shopping around.

How to create an amazing notes section
We have written many articles on this overlooked topic which you should read and study. If you want to get ahead, become an expert at the art of the notes section. Companies read what you have to say about yourself, and if you have very little to say, or just a bunch of fluff, you are not likely to get hired. Notaries who do well have thorough and factual information about themselves that is neatly organized into paragraphs. They cover their areas of expertise, certifications, professional memberships, equipment, notes about what is unique about how they handle business, segments on their professional history before they were a Notary particularly if it has some sort of business or Mortgage related relevance, and more.

Everything you need to know about writing a good notes section
http://blog.123notary.com/?p=16074

2014 excerpts from great notes sections
http://blog.123notary.com/?p=13613

Being 24 hours helps a lot
If you want to get more business, offer service to more counties, and during more hours. It is just common sense — do the math. Some Notaries only want to service their home county during their “flexible” hours of 9-5 while others are 24 hours and cover eighteen counties. If you need to sleep, then limit your hours from 6am to midnight, but the more flexible you are, the more business you can accumulate.

Reviews are essential
We have written many blog entries on reviews and are publishing a comprehensive guide to reviews as well around the same time I publish this article. The important concepts to remember are:

* Six reviews will double your new business from our site
* After you have six reviews you will get a small marginal benefit from each additional review
* Well written reviews count more
* Don’t get multiple reviews the same day or it looks like you wrote them yourself
* Reviews that are three or more years old do not benefit you much, so always get new reviews.
* You might need to ask ten people to get a single review, but it’s worth it.
* Signing & Title companies are horrible about writing reviews since everybody bugs them to do it
* Individuals are easier to get reviews from, so do some jobs for individuals
* Ask for a review when someone compliments you on your work otherwise don’t ask.
* Email requests for reviews in addition to asking in person. Email them a LINK to your review page. That will take the work out of trying to find the page which I assure you people don’t have the time or patience to do.

Related Reading: A comprehensive guide to reviews
http://blog.123notary.com/?p=16290

Company Names
It will help you to have a company name in the long run. But, think long and hard about what you name your Notary business. Names with geographical significance are recommended. Names with notorial or Mortgage significance might be good. General business names that are not relevant to this industry might not be ideal.

Choosing a name for your business license
http://blog.123notary.com/?p=7103

Keep your information up to date
Many Notaries create a listing and forget about it. Your listing is like a plant — it needs to be watered and trimmed from time to time otherwise it will wither. Login to your listing every few months, we require it, and it is good for the popularity of your listing. Browsers can see the date you last logged in. If you login more regularly you’ll attract browsers that care about how well you maintain your listing. After all, if you neglect your listing, you might neglect their loan! Update your # of signings and touch up your notes section regularly with anything new that you learned or any new way you have of expressing yourself. You can also email us for free help with your notes section — and yes, we do free notary notes makeovers.

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ADDITIONAL READING

General Marketing

Long term marketing plans
http://blog.123notary.com/?p=15793

I signed up with 200 companies only to get work twice
http://blog.123notary.com/?p=15445

Notary Advertising

The state of Notary advertising in 2015
http://blog.123notary.com/?p=13625

Traps you can fall into with a website of your own
http://blog.123notary.com/?p=15008

Unique notary notes phrases from the Ninja course
http://blog.123notary.com/?p=14690

7 ways to use Facebook to market your notary services
http://blog.123notary.com/?p=5396

Pricing & Income

$40 for a signing 72 miles away?
http://blog.123notary.com/?p=14959

What is the difference between getting 16 clicks per day & 100+?
http://blog.123notary.com/?p=13185

How much more does a 123notary certified signer make?
http://blog.123notary.com/?p=15392

Here is another way to make $4000 more per year
http://blog.123notary.com/?p=14162

Is $75 enough to print 2 sets of docs & do faxbacks?
http://blog.123notary.com/?p=10369

He made $35,000 a month his first year in business
http://blog.123notary.com/?p=3894

Other

How to start a successful signing company from scratch
http://blog.123notary.com/?p=14935

Which tasks can you do which are worth $1000 per minute?
http://blog.123notary.com/?p=4113

123notary behind the scenes
http://blog.123notary.com/?p=2499

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May 7, 2016

2016 Most Active Signing Companies

Here are the most active siging companies of 2016. They may or may not be the best ones, but at least they are still in business and actively being commented on!

BNN Services
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4694

Diamond Star Notaries
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6418

Epic Real Estate Solutions
http://www.123notary.com/forum/topic.asp?TOPIC_ID=7107

FASS
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2829

Field Choice
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4677

Great Lakes Settlement
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6802

Loan-Closers
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2293

Loan Processing Center
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4934

Mortgage Connect LP
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3430

N3 Notary
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2095

National Loan Closers
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3755

National Preferred Notary
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6118

Notaries Express
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2058

Notaries to You
http://www.123notary.com/forum/topic.asp?TOPIC_ID=1041

Signature Closers – OH
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4901

Signing Stream
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5872

Signing Trac
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5761

Skye Closings
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3714

SoCal Signings
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2784

The Closing Group
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2976

Timios Title
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4907

TL Signing Service
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2373

Title Resource Group – TRG
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5077

Trusted Signing, Inc.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=6833

WFG
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5117

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