July 2016 - Page 2 of 2 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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July 14, 2016

The UPS Quandry

QUESTION
You were given an airbill for UPS. There is a UPS box near you but no UPS station. However, there is a Fedex station nearby that you could use if you paid for the package. The loan is critical and won’t fund if the paperwork doesn’t arrive on time. It None of the contact people on your list are available for an inquiry. Should you use the UPS airbill as instructed, use the Fedex Station or wait until the next day to ask for further instructions?

I liked the venue question. That is a great example of how a wrong instruction could ruin the loan. When to be insubordinate!

ANSWER
NEVER add your own money for shipping; we are not in the favor or money lending business; they will appreciate but it becomes nearly impossible to be repaid.
“The loan is critical” – that is OPP (Other Peoples Problems); we work with what we are given.
As the UPS will not go out that evening it can be sent the next day; wait till next day – converse – and probably earn an additional scanning fee.

The scenario need the following assumptions added:

The UPS station is 30 miles away, it’s late in the day – you might make it and you might not.
The UPS box shows the daily pickup has already been made.
Your client is a new one, that you did not work with before, thus no trust relationship.

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Should you send the Fedex right away?
http://blog.123notary.com/?p=16166

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July 13, 2016

Are you a Yes-tary or No-tary?

It was a month or so ago. I was asking Notaries Notary questions about what you can and cannot do. Unfortunately, Notaries often don’t take Notary rules seriously or have just never been adequately trained. The “more, but not less rule” is no good unless you understand which direction the rule runs. The ID can have more than the document, but 40% of Notaries think that it is okay if the name to be notarized on the document has more meat on it than the name on the identification. Good God! My point here, is that the whole point of having a Notary is to verify people’s identity who signed documents. The Notary profession helps to deter and prevent fraud as a result. But, if Notaries do whatever, and don’t follow state rules, then the purpose of having a Notary is defeated or undermined.

To put it shortly, the entire point of a Notary is to say No. If you feel uncomfortable or awkward saying No, then you should not become a Notary. In many Middle-Eastern and Asian cultures it is considered bad manners to say no, so they say, maybe, or later, or perhaps next time, or make up some excuse for not saying yes. Since they can’t outright say no, they beat around the bush. But, as a Notary, you might be facilitating fraud by not saying no. So, get used to saying no. Stand in front of the mirror and say, “No…. NO…. NO!!!!” Do it the way Joey from Friends practices saying, “How you doin’?” in front of the mirror dozens of times mastering his facial expression and verbal inflections. Take pride in saying no. However, for those Notaries that don’t like saying no, worry not! There is a solution. Become a Yes-tary.

But, what do Yes-taries do? Yestaries say yes to illegal requests. Unfortunately they cannot be commissioned and don’t have a stamp. But, maybe they should have an unofficial Yestary Public stamp just to make their job more comedically offiicial. What would be the duties of a Yestary? If someone wants to be Notarized as Mickey Mouse but lacks sufficient ID, you say, YES. If someone claims to be Kim Jong Un and looks Korean enough to you, say yes and stamp his document. If a Taiwanese client wants you to stamp a loose piece of paper because their government requires such a Yestary act, you can do it as a Yestary, but not as a Notary. Because a Notary’s job is to say No!

But, what if they won’t pay your travel fee if you say no? It is actually illegal in many states for a Notary to notarize a document in which they have a beneficial or financial interest. I feel that if the Notary will not get paid a travel fee if they refuse to notarize, then they now do have a beneficial interest of a sort and would be willing to break the law so they would get paid. Get your travel fee up front before you see the signers or the documents or the identifications. That way if a signer isn’t there, or if the name on the ID is not matching, or some other problem, you can forfeit your Notary fee, but still get paid for your trip. Remember, your job is not to please the client, but to uphold the law even if that means hurting someone’s feelings by saying no. Hurting someone’s feelings is better than going to court as a result of facilitating fraud or having your commission revoked!

One last note, it has been reported that some Yestaries have gotten a rare intestinal disease from saying yes too much to illegal requests. Some call it an illness, I call it karmic retrobution. The disease is called “yesentery” and comes from ingesting unclean Notary requests. If you get this disease, just consult your doctor and take some prescribed antibiotics. Good luck!

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You might also like:

Seven error free ways to identify a signer
http://blog.123notary.com/?p=15288

ID: a growing problem
http://blog.123notary.com/?p=15074

Credible witnesses: The process explained
http://blog.123notary.com/?p=16695

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July 12, 2016

Subscribing Witnesses Explained

There are TWO types of subscribing witnesses.

1. The person who appears before a Notary on behalf of someone being notarized with a Proof of Execution is called a subscribing witness or executing witness. The actual signer cannot appear before a Notary Public, so a witness is used to sign on the principal’s behalf and swear. The basic idea is that the subscribing witness witnessed the principal sign the document.

2. A person who witnesses a disabled person who is signing by X in a document is also called a subscribing witness.

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As a Notary Public, you may come into a situation where the signer is not able to sign. Most Notaries are not trained in how to handle such situations. If you do hospital notarizations you will deal with this situation a lot. Some signers cannot move their arms properly. Others cannot sign their name. If you can get them to sign an X in your journal and an X in the signature section of the document with two subscribing witnesses watching. You are in luck.

You need to have the subscribing witnesses sign your journal and input their drivers license info as well. Additionally, the subscribing witnesses sign the first and last name of the signer on the document which sounds like forgery, but many states allow this. Check your state notary handbook to see if this procedure is legal in your state.

Signature by X from A to Z
http://blog.123notary.com/?p=203

Subscribing Witness Glossary Definition
http://www.123notary.com/glossary/?subscribing-witness

What is Signature by X or Signature by Mark
http://blog.123notary.com/?p=2278

Types of witnesses in the notary profession
http://blog.123notary.com/?p=5664

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July 11, 2016

How to write a notes section if you are a beginner

We wrote a similar article on this aspect of Notary advertising a few years ago. I think it was very helpful. But, let me structure this article as a quick tips article with itemized things to add to your notes section. The basic idea is that if you have no experience, you cannot talk about what you’ve already done. So, talk about what you are willing to do, where you go, or what training you have had.

Don’t write three paragraphs telling us how many years of experience your mentor has otherwise we’ll stop looking at your profile and start looking at your mentor’s profile. Remember, you are selling yourself, not your mentor.

Don’t write six paragraphs telling us about your Real Estate career as nobody is hiring you as a Realtor on 123notary.com. That is something to write a single line about LOWER in your notes.

Don’t waste space telling us how you respect the integrity of the transaction and how confidentiality of the transaction is of utmost importance. That tells us nothing except that you are claiming not to be a conman.

Don’t tell us how important it is to hire a Notary who is experienced and knowledgable. You think the browsers don’t already know this? They have hired tens of thousands of Notaries and are hiring Notaries daily. They know what is important, the question is, are you the kind of Notary they want?

Don’t write two paragraphs about how you are a new mom. People will assume that when they call you they’ll hear screaming in the background. Focus on Notary work.

Don’t use adjectives. people who claim to be reliable, responsible, experienced, professional, accurate, etc., are people who have nothing good to say about themselves who compensate by using a bunch of unverifiable claims about themselves which are usually not true. Experts who hire Notaries see through the nonsense faster than you can say, “skip my listing.” So, don’t use adjectives unless you can back them up with real information. So, what should you write about?

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BASICS

Basic information should go at the top of your notes section. If you bury the most critical information where nobody can find it, they won’t hire you. Pertinent knowledge, radius, and special services are what people need to know about first. Don’t bury this in a long paragraph about how wonderful you are!

Last Minute Signings — It is sometimes hard to find someone who accepts signings at the last minute. If you do, that really helps.

Hours — Letting the world know how early you start and how late you finish can really help.

Languages — Fluent in Thai? Let them know. There is more demand for Spanish and Vietnamese though based on word on the street. Also let us know if you are fluent, or only conversational. If you cannot get through a signing with your language, save us the trouble and don’t mention it.

Hospitals & Jails — Most Notaries aren’t experienced with these types of signings which are more demanding. Let people know if you do.

100 mile Radius — Most Notaries are wishy-washy about how far they go. They have three paragraphs of information about exceptions to the rule like if their coffee wasn’t good that morning, they won’t go too far into Morgan County, but if you pay extra they might consider Strantom County. Just list your radius and your counties without all of the hype please. Nobody has time for this.

Counties Covered — List as many counties as you can if you want to get lots of jobs. If you cover counties that nobody else does, even if it is a long drive, you might get a lot of new clients as a result.

Loans & Documents — List all types of documents or loans you know how to sign including types of loans. Most Notaries say they are familiar with most legal documents. This is vague. It is better to list the top several legal documents you see a lot of.

Catchy Phrase — Sometimes a catchy phrase about yourself, your business or service can win the game. Often it is a one-liner that is artfully phrased and catches people’s attention. Don’t bore them with fluff, dazzle them with class!

About You — What is unique about your service or about you that the reader might want to hear?

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EXPERIENCE

All of us have some type of experience. Mortgage and Escrow are the most valuable. Real Estate experience doesn’t translate into being a better Notary, and doesn’t make you that familiar with the documents despite what you may think or claim. However, you can mention it in a one liner. Mention other experience, but don’t write paragraphs on it. Keep it short. Military and Police experience are actually very helpful if you are a signer. That way you can keep the peace and use real bullet points in your notes sections!

Mortgage Experience — List any pertinent past experience, particularly if it is in Mortgage, Escrow, or Legal. Don’t be vague about the experience either. If you say you have experience in the legal industry we’ll assume you were a janitor or secretary. If you were a legal assistant, then say so.

Unrelated Experience — You can mention what you used to do for a living. It might be impressive if you were a bank president or dictator of a small country.

Military — If you were in the military, say so. That might prove that you are careful or on time.

Police — If you were in the police, that proves you know how to deal with difficult situations and crazy people. Mention it.

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ADDITIONAL INFORMATION

The bottom of your notes section should list all of your “other” information in an easy to read format. Some people use bullet points, and others just list it clearly so it is easy to read. Do NOT put this information in a long jumbled paragraph please.

Certifications — Are you NNA certified, Notary2Pro Certified? Say so

Memberships — Are you an NNA or AAN member? What about PAN or NotaryCafe? List all memberships.

E&O Insurance — Tell us how much you have. Some people only have $15,000 while some have a million.

Equipment— Is your printer a specific brand? Is it dual or triple tray? Does it print 200 pages per minute? Say so.

Closing Phrase — Thanks for visiting my profile on 123notary. I hope to hear from you soon. But, put it in your own words so it sounds a little more unique.

Uniqueness — Uniquess really counts. People who hire Notaries have read through thousands of profiles. If yours is unique and factual, you will stand out in a very positive way as most other people’s notes are jumbled, disorganized, and have no interesting information. Additionally, many of the others ramble on and on about how they value integrity which is a useless and unverifiable claim that is a waste of the readers time. If you waste the readers time, they are statistically less likely to use you. Give them unique and factual information and win the game. Many beginners do quite well on 123notary, especially those who express themselves well.

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You might also like:

How to write a notes section if you have no experience
http://blog.123notary.com/?p=4173

What goes where in your notes?
http://blog.123notary.com/?p=1076

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

Unique Phrases from the Ninja Course
http://blog.123notary.com/?p=14690

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

2011 Excerpts from great notes sections
http://blog.123notary.com/?p=1043

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July 9, 2016

Global Notary

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

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

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

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

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

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

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

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

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

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

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

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

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July 7, 2016

Here is my proof of how slow the industry has been

Every few months, I visit the Notary Rotary forum. I go to see which new signing companies people are talking about. I also like to see if there is any interesting gossip. Sometimes I find people compaining about us there too — usually about petty issues that don’t seem important to me. But, this visit to Notary Rotary yielded the smallest number of pages per month that I have ever seen in human or rather “notarial” history.

Normally NotaryRotary had two or three pages per day of gossip. But, this time, there was only about a third of page per day. It looks like things are functioning at 20% of normal speed over there.

Clicks on 123notary are also down. We have done so much to improve the quality of our site. We manually tested a few thousand Notaries free of charge. It was annoying for them, but we got 350 to pass in the last few months. I am proud of my success and theirs as well. But, even with this huge and sudden improvement to our site, the numbers went from 180,000 visitors per month in August down to 125,000 in December. December is always slower, but not normally this slow. So, at least I can see that the slowdown is also happening with NotaryRotary and not only on our site. Maybe things will pick up again. Not sure.

123notary recommends that you don’t worry about the ups and downs in the Notary economy. Rather, keep getting reviews on your listing, and study up and try to pass our certification test. Once you pass our regular certification, try our elite program. The more you better yourself, the more you can compete in any market!

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The notary industry is getting more professional
http://blog.123notary.com/?p=15987

State of the notary industry union address
http://blog.123notary.com/?p=16244

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July 5, 2016

Credible Witnesses — The Process Explained

What is the process for using credible witnesses? First of all, not all states allow the use of credible witnesses.

Which states allow credible witnesses?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4047

One Witness or Two?
Some states will allow the use of one credible witness that knows the Notary and also knows the signer. Other states require the use of two credible witnesses. You need to know your state law to know what your state allows.

Knowing the Signer
The next question is, how well does a credible witness need to know a signer in order to swear under Oath that they know that person as a particular name? Most credible witnesses know the person as Joe, and have no clue what the last name is. They are swearing under Oath to something they were verbally told at the time of the notarization and they don’t really know Joe that well. In my opinion, credible witnesses should not be legal unless there is more scrutinizing to see how well they know the signer and how they learned the signer’s name before they were told at the signing what the Notary wants the signer’s name to be. Perhaps the Notary should ask the witness what the signer’s name is rather than telling them.

Journal Requirements
Credible witnesses must SIGN the notary journal, but NOT in the signature section. They must sign in the notes section. The Signer signs the journal in the signature section — get that straight! The Notary should write down the name, address, and driver license number of the credible witness as well.

Oaths
Finally, the Notary must administer an Oath to the credible witness(es) asking them to swear that the name of the signer is John Q Doe, etc.

Summary
The idea of having credible witnesses is the best thing that ever happened to the Notary profession. Using credible witnesses you can legally notarize a signer as Mickey Mouse or Ronald Reagan — and all without any form of identification. We recommend you take journal thumbprints of the signer for proof that the signer really is who they say they are just in case fraud is suspected. Most states do not require journal thumbprints, but take them anyway because you will get investigated one day — and perhaps by an investigator named Mickey Mouse.

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Where do credible witnesses sign the notary journal book?
http://blog.123notary.com/?p=2508

Credible Witnesses from A to Z
http://blog.123notary.com/?p=452

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July 4, 2016

Cheesy ways to promote yourself

Do you take your Notary business seriously, but want more clients? Here are some easy ways you can go about it.

1. Notary clothing.
So far, nobody markets this, but if you go around town wearing a polo or t-shirt with the name and phone # of your mobile Notary business, you might have some old ladies following you around Whole Foods who need a Notary. If you are a beautiful blond you might have some annoying guys follow you too who claim to need a Notary, but really need a blond!

2. Notary beach towels
When you go to the beach, do you bring your Notary beach towel with your business name and number on it? Someone might need their snorkel notarized.

3. Notary signs on your car
Perhaps your car should have your biz name, phone number and basic details about your notary business. People will see you parked and get the information to call you.

4. Call hospitals and convalescent homes and give them your number. You often don’t even need to visit in person.

5. Call title companies within 90 minutes of you. Some of them might actually use you.

6. Notary doggie clothes.
Forget about the t-shirt idea, get your dog a Notary outfit. Pets are a great way to attract positive attention.

7. The Notary Drone
You can have a drone fly all over town marketing your notary work with a huge banner. Just don’t crash it into a landing 747 or you’ll be in huge trouble. Personally, I feel that drones are extremely dangerous and unpredictable and should be banned by the FAA, FBI, CIA, and KGB.

8. Give everyone you meet your Notary card.
In Japan, people give their card to everyone. So should Notaries! Just hand them out as a Notary marketing technique. Hi neighbor, I’m a Notary, here is my card.

9. The Notary Beach Embosser
This Notary seal will leave a raised impression in wet or dry sand with your name, county, commission number and expiration date. But, if the tide comes in too fast, your expiration date might be short lived!

That’s all for now!

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Signing co’s hire you based on how good you are, NOT how good you claim to be!
http://blog.123notary.com/?p=16556

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

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July 2, 2016

National Loan Closers

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

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

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

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

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

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

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

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

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

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

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