January 2017 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
123Notary

Notary Blog – Signing Tips, Marketing Tips, General Notary Advice – 123notary.com Control Panel

January 31, 2017

Can a Notary be an officiate at a Wedding or marriage?

Can a Notary perform a marriage or be a wedding officiant? There are four states that currently allow Notaries to perform weddings. A Notary can solemnize a marriage if they are commissioned in:

Florida
South Carolina
Nevada
Maine

However, there are some additional qualifications, requirements and authorizations needed from your state. Please contact your state notary division to see how you can qualify to officiate at weddings. It is common for states to accept you as a wedding officiant if you are a Priest, Rabbi, Ordained Minister, Imam, etc.

Many Notaries add being a Wedding Officiant to their list of services. It is easy to make $100 to $250 for each wedding. Just don’t show up late, your you’ll create a bad memory that the married couple will keep with them for life! Many Notaries market their wedding services on websites, web directories such as 123notary.com, or by networking. We even met one Notary who specialized in gay marriages (who ran into trouble when he tried to get a wedding cake made in Indiana.)

The Notary needs to check wedding licenses, official name changes which often accompany the marriage, and then fill out a bunch of forms, get them notarized, and then send them in the mail, or preferably by Fedex. Loan signings typically end at the Fedex box, but that is where Marriages begin!

You can Google the term, “How to become ordained” to learn more about becoming a Minister in your state. Becoming ordained is normally non-denominational, but check with your church just to see if that will affect your relationship with them.

Joke:
A Priest, a Rabbi, and Imam, and a non-denominational Ordained Minister walk into a bar. The bar tender says, “So, what will you be having?” The Imam says, “A ginger ale on the rocks. Drinking alcohol is against my religion.” The Rabbi says, “I’ll have half a glass of Manichevitz Concord Grape if you’ve got it. I can do a blessing on your stock of it at no cost either — this week only.” The Priest says, “Yes brother, I’ll have white wine and a piece of bread.” The bar tender was confused and thought it should be red wine to symbolize the blood on the cross. The Priest explained, “It needs to be white wine to symbolize the color of drapes my wife forced me to buy that I can’t stand.”

So, the Bar Tender asked what they were all doing there.
The Ordained Minister said, “We’re here to perform a marriage — I guess they double booked.”
The Imam said, “Double booked? Quadruple booked! This couple is crazy. But, this ginger ale is excellent, must be one of those boutique brands!”

Q&A
Can a Florida Notary perform a wedding?
Yes, if they have the proper license.

Can a South Carolina Notary perform a wedding?
Yes, if they have the proper license.

Can a Maine Notary perform a wedding?
Yes, if they have the proper license.

Can a Nevada Notary perform a wedding?
Yes, if they have the proper license.

Share
>

January 30, 2017

Yelp beating 123notary on Google search results.

Filed under: Reviews — Tags: , , — admin @ 6:23 am

elp is a company that knows nothing about Notaries. Additionally, they have some of the worst Notaries on the business on their site in top positions. Not only that but half of the “Notaries” on the Yelp Notary results are not even Notaries. Most of them are Law Offices or UPS stores many of which don’t have a Notary on staff.

I got in trouble for creating a listing for someone whose information I found on Yelp. When I called him he claimed his information was wrong, and that I should get his information from a reputable source like Yelp. That is exactly what I did. He claimed that he didn’t do document preparation and that by me claiming that he did, he could get in legal trouble. I informed him that his business was called, “Mission Document Preparation.” and that if he didn’t want people assuming he did document preparation, perhaps he should change his business name. He told me my information on him was wrong, but refused to tell me what was correct. What a jerk — I found him on Yelp by the way in case I forgot to mention that. Notaries on 123notary are WAY BETTER.

Despite Yelp’s incompetent and useless search results for “Notaries,” they do better than 123notary on many Google search results for many cities such as Los Angeles, San Diego, Sacramento, and many others (which makes me mad.) I looked and found out why. Yelp specializes in having listings with reviews. People who use websites to look up services want to see reviews. The simple fact is that the 123notary search results are far superior than the Yelp search results in Los Angeles, but Yelp has more reviews — and reviews are king.

123notary’s Los Angeles search results have a lot of veteran Notaries who got reviews in the old days. However, some of these older Notaries have not been aggressive about getting new reviews. The result is that the popularity of the entire page went down. How can 123notary stimulate people to get reviews? We talk to people over the phone about it, we write blog articles about it, and we pray. But, the actual act of asking for reviews (and sending links to your review page) have to be done by you.

Additionally, the more 123notary certified Notaries we have on a particular search results page, the better the entire page does. It looks like Los Angeles has a lot of Notaries, but the quality of the search result is lacking. So, what to do? I’ll have to start calling people by hand in particular cities. Maybe that will help. In the meantime, I’ll howl instead of yelping!

Share
>

January 29, 2017

Black vs. White Notaries = benign, but the comments were hateful

Filed under: Drama & Tragedy — Tags: , — admin @ 6:49 am

I live in a multi-racial neighborhood. We have Hindus, Muslims, Jews, Buddhists, and even a few Christians (when we allow them to come in). We have black, white, yellow, brown, red, and even a few green people who fly in from time to time when their spaceship breaks down.

People on TV can joke about race. Eddie Griffin does so unashamably, so does Eddie Murphy, and a few other Eddies. How come they can exercise their freedom of speech without a hateful backlash? Have you ever thought about the double standard I am talking about here? I joke about everything. I value my freedom of speech too. But, the commentary to my Black Notaries vs. White Notaries was just hateful considering my blog entry was gentle and not demeaning to anyone. We (my comedy writer & I) joked about the same things black comedians joke about. Do I have to get a race change and be a Michael Jackson in reverse to have cultural permission to do the same thing?

The reality of the race situation is that law enforcement and young black males are having a prolonged and unofficial civil war. This is more than unpleasant. It is dangerous for all of us all even though most of us are bystanders. I have read that many higher level rabble rousers are arranging for more violent riots. Violence and hateful commentary on my blog doesn’t solve anything — it just creates more tension and more problems. Perhaps these hostile comments I received reflect the very attitude why we are having a serious problem with race in America. America practices racism, accuses everybody in sight of being racist, yet we lack the ability to have an open and honest discussion about race, culture, or just tell a few jokes.

Some Americans get almost violent when you bring up particular topics. This attitude is a direct threat to our freedom of expression which our forefathers risked or gave their lives for. If you react so violently to harmless jokes, perhaps that is a reflection of your own inability to accept America’s racial situation for what it is. We are forced to live in it daily, but culturally prevented from saying anything open about it. Should you send ABC or the New York Times hate mail every time they publish a piece on race?

It is amazing that a blog article so harmless got such a hateful response. I think that some of you need to take a closer look at yourselves. On the brighter side, that post was one of our most popular comedy posts ever, and people referred it to their friends since they were so shocked. The bottom line is that I can joke about whatever I like, and you can be polite about it — can you dig it?

Please also see:

Black Notaries vs. White Notaries — comedy edition
http://blog.123notary.com/?p=17455

Comedy Central Notary Roast
http://blog.123notary.com/?p=17462

Share
>

January 28, 2017

WFG National Title Insurance Company

Here is a condensed version of the more interesting comments about this company on our forum.

(1) Penny
“I have not received payment since my assignment and invoice to WFG on November 28. Despite numerous emails saying it’s in the mail, or will be in the mail, zero.
Penny 1-17-17”

(2) Joan
“WFG in Westlake Village, CA is giving me the run around with my fee being received. Completed signing on 9-30-16, it is now 11-29-16. Unacceptable. They claim they are going through a transitional period since Michael Crowder is no longer with them. What has that got to do with A/P getting my money to me?”

(3) DanNotary
“May not be dealing with them again. Huge packages, lots of work, difficult to get through to anyone and get a response. They pay $125 but if I do anything again its going to be $150.”

(4) 29993
“I have noticed that the loan packages are getting very large…so I have begun to notify, particularly WFG whose files average 170 copies…that my minimum fee is increased by another $20.00..As I mentioned before I have had no problems getting paid and have asked each time if the file is larger than 120 pages to add in another $20…but I’ve had to followup to make sure that it was…..so this week I am sending out notifications to most of the companies I work for to increase my minimum fee to include the $20. Whenever I accept a signing…they will need to include it in the order or I will return the assignment right there and then………We all have to begin to hold the line on our fees or if you accept less then you only have yourself to blame….Good Luck!”

(5) Garyw148
“I agreed to perform a signing for WFG for 10:30am the next day. At 8am I had yet to receive any documents. WFG did not answer any of the 4 phone numbers I called. Nor did they respond to the emails I sent to 3 different people. My last email was that I was going to call the borrower and let them know the signing was cancelled. Moments later (10am) I received a response not to call the borrower that the documents were coming. Then I got an email stating the day would be changed. I called the borrower and basically said to stand by. I requested to be paid via PayPal. I got a call from Mike stating they never pay via PayPal and he would remove me from there list of notaries. I said fine. Be carful here folks. Read the other reviews.”

You might also like:

See our string on WFG on the forum
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5117

See our string on NEW signing companies
http://blog.123notary.com/?tag=new

National Preferred Notary
http://blog.123notary.com/?p=16669

Are you a Yes-tary or a No-tary?
http://blog.123notary.com/?cat=3241

Share
>

January 27, 2017

Notary Space Station; In Space, Nobody Can Hear You Sign!

Filed under: Virtual Comedy Themes — Tags: , — admin @ 12:38 am

Some Notaries were sent into space for an experiment. They were there to see what the realities are of notarizing in space. Sam tossed his Notary seal in the air, and it floated to the other side of the shuttle. Samantha wanted him to get that Notary seal “down”, but which way was down? Eventually Sam recovered his instrument of destruction, but Samantha wasn’t amused. They were waiting for a replacement part for a high tech to be sent from Earth along with some other goodies. A TEA agent was to be sent in the ship to assure that delivery was successful.

Sam, Samantha and the others were practicing using all types of futuristic Notary seals. Of course to them it was not futuristic as they were living in 2040. Sam was happy that he could live a year in 365 days 23 hours and 57 minutes because they were traveling faster than the speed of the Earth up there do the warp in the time-space continuum. Not only was space warped, but Sam’s choice of humor was also a bit warped.

The most evolved machine could move itself over an ID, scan it for genuineness, inspect journal signatures, and then seal the document with hi-tech ink. But, they needed a replacement part that was coming tomorrow.

Then, the shuttle came. It approached the space station, it slowly adjusted itself. It docked successfully. They opened the connecting hatch happily in hopes of seeing Jim the TEA agent. But, Jim’s body was laying there in pieces with blood all over it. And creatures from the movie Alien were there — three of them. Mom, Dad, and a little one who was munching on Jim’s flesh. Then, there was a loud scream.

Samantha tapped Sam on the shoulder and said, “You were just having a bad dream. Was it a dream about a Notarization?”
Then Sam said, “No, it was a dream about the creature from Alien getting off that shuttle and killing us all.
Samantha said, “Well you know what they say — in space, no one can hear you sign! — or scream…”

Share
>

January 26, 2017

Here is how your home will be drained of its equity

Filed under: General Stories — Tags: — admin @ 12:40 am

I have written a few pieces on the future of the American economy, reverse interest rates, and other futuristic depressing economic predictions. Basically, what is happening in Japan could happen in the United States and it looks like we are going down the same path, but are behind by a few years.

Japan’s Bubble & Our Government’s Borrowing Habit
Japan had a huge Real Estate bubble about 25 years ago. The bubble crashed, but prices never went back up again. They went down and down and down slowly and still continue to go down. The government is borrowing all of the available money for its humongous national debt. Interest rates are also negative. But, it seems to me that regular folks are not allowed to borrow or not borrow that much. The same situation is happening here, only not as severe. As our government’s debt gets higher and higher, banks will have to artificially keep interest rates low (they have been doing this for a few years now it seems) otherwise Uncle Sam will be out of business which means that we all will be out of business too or would have to pay 30% extra in taxes which would ruin the econony.

Your Home Will Lose Value
As the government’s debt gets higher, interest rates could become artificially lower so that the government could stay afloat without issues. This means that banks will have less money to lend to borrowers. That means that they will have less money to pay if bidding on your home which means your home’s value should be going down little by little over the next thirty years. The problem with this is that you will lose most or all of the equity in your home little by little over decades and be left with little or nothing when it is time to retire.

The Solution
It doesn’t make sense to put all of your assets in your home like middle class people have done for generations. It makes more sense to keep your wealth in gold, land, cash in the bank, as well as very stable stocks such as blue chips, etc. These types of investments would be more stable than a home in a bad depression and will survive economically upside down times.

Surviving Being Upside Down
Prepare for upside down conditions. It’s happening already in Japan. The problem is, it could wipe you out. After people are stripped of their life savings that was stored in the equity of their homes, if the economy tanks on top of that, then you would be out on the street. So, be prepared, and try to act sensibly to protect your family from the inevitable. If you own a house, do it the Christian way — pay for it in cash or pay your loan off completely. Borrowing is forbidden in several religions as it leads to economic slavery, multinational financial collapses (Greece, Portugal, and soon us) as well as upside down consitions. The secret to survival is to not be a part of this insanity and keep your wealth in solid assets without borrowing!

Share
>

January 25, 2017

Can you think under pressure?

Filed under: Certification & Communication Skills — Tags: — admin @ 7:00 am

Many Notaries live on the edge from time to time. Sometimes there is no work and Notaries feel bored. But, other times they are at a job and the phone is ringing off the hook — the pressure builds. They key here is handling pressure well. What are the types of things that can go wrong when you are under time pressure.

1. Phone calls come in when you’re busy
If you are at a signing or driving to a signing and someone offers you a job, many Notaries will say, “Sorry, can’t talk now I’m at a signing.” or “Sorry, can’t talk because I’m on my way to a signing.” If you can’t think or function when you’re on your way to an appointment or at an appointment, that means that four hours per day are off limits to those who want to call you. It is rude to answer your phone only to tell someone you can’t talk. Then, when someone calls you back in two hours they get, “Sorry, now is not a good time because I’m eating dinner with my family.” It’s NEVER a good time for you — face it. I keep records of every time someone refuses to talk to me. If you don’t want to talk, just don’t answer your phone for anyone other than the Lender. And if you don’t know who is calling, give them 90 seconds as a courtesy before telling them you can’t talk — it’s just plain manners.

2. Jobs come in when you’re busy
If you get a job while you are busy doing something else, you still need to background screen the company. They background screen you, so why shouldn’t you return the favor? If you are in too much of a hurry to take a job from God knows who doing God knows what, you will probably end up working for a company that doesn’t pay you.

The key here is to practice being polite and handling business when you are busy. Juggling is not only for clowns, but for Notary. And Notary who can’t handle juggling is making a circus out of this industry if you ask me!

Share
>

January 24, 2017

Quit Claim Deed

A Quitclaim Deed is a legal instrument used to transfer interest (ownership) in real property. The Grantor is the entity who is transferring its interest to the Grantee who is the recipient. The owner or Grantor quits or terminates any right or claim to the property by signing this form.

No Title Covenant
The Quitcliam Deed includes no title covenant and offers no warranty as to the status of the property’s title. The Grantee is entitled only to whatever interest the Grantor has in the property — if any. As a result, the Grantee has no legal recourse should the Grantor not be the legitimate owner on title, or if their share of the property is less than expected.

Warranty Deeds
Warrantee Deeds on the other hand often contain warranties from the Grantor that the title is clear and that there is no encumbrance against the title.

Common Uses
Quitclaim Deeds are most commonly used to transfer property from one family member to another or to take one family member’s name off title for the sake of a notarized loan signing. Quitclaim Deeds are not usually used to to transfer property from a buyer to a seller as Grant Deeds are a much more common form of official property transfer instrument.

How do I notarize a Quitclaim Deed? How do I get a Quitclaim Deed Notarized?
If you need a notarized Quitclaim Deed, find a Notary on 123notary.com. Any commissioned notary public can notarize this document in less than three minutes assuming you have current ID and a complete document.

Share
>

January 23, 2017

A new way to make money as a Mobile Notary — not what you think.

Filed under: Marketing Articles — admin @ 12:50 am

For the last few days, I have been going through people’s notes sections looking for small grammatical issues and small changes I could make to make the notes sections a little smoother. But, I learn things about what Notaries are up to by looking through so many notes sections. Just when I thought I had heard it all, we have a Notary who specializes in Prison Weddings.

I can picture some very threatening tall guy with long hair and tattoos up and down his neck, arm, and God knows where else marrying some sweet young thing who loves bad boys. But, in real life it’s probably not like that. Wait, my mind is picturing something else now. I’m picturing two very butch women with short hair totally in love with each other, with tears coming to their eyes as Sam the Notary proudly pronounces them woman and wife.

I can picture the woman being in there for a sexual crime, but her wife being in denial that Jennifer would ever do something like that. She must have been falsely accused!

NOTARY: I now pronounce you woman and wife.

JENNIFER: (sob, sob) Thank you so much. You have no idea what this means to me.

NOTARY: I also do background checks just in case you want to do some “after-the-fact” background checking.

KAREN: Why would I need to do that?

NOTARY: Just in case you want to check someone out before you get involved with them in any serious way.

WARDEN: You don’t need to background check anyone. I’ll tell you right now, you just married a sex offender!

KAREN: She would never do something like that.

NOTARY: And how would she know that having sex with Jennifer is offensive if she’s never had sex with her.

KAREN: You’re right, I haven’t ever had sex with Jennifer. Maybe you’re right.

JENNIFER: The other girls here didn’t have any complaints… ooops!!!

KAREN: What other girls? You mean I’m not the only one? The wedding’s off! Notary! Tear up that paperwork and nullify that Oath I verbally made.

NOTARY: Well, I’ll have to perform an Un-Oath to do that. I saw something like that on Harry Potter. They nullified a magic spell by doing an un-spell. It’s kind of the same thing!

KAREN: Well nullify it — because I’m done with Jennifer. She’s the most offensive person I’ve ever not had sex with. She should be locked up for being a not-sex offender!

WARDEN: I hope you got paid cash at the door.

NOTARY: I did. I just hope it’s not counterfeit, otherwise you’re going to have one more person in that cell.

WARDEN: Counterfeit Oath… counterfeit cash — it all adds up!

I also heard that prison bracelets can be used as ID now. But, prison bracelets don’t even have photos. Personally I think we should take retinal scans, DNA swabs and thumbprints every time we notarize anyone in jail. After all, they could be anybody!

Share
>

January 22, 2017

How long does it take to get through a signing?

Filed under: Best Practices — Tags: , — admin @ 11:52 pm

Most Notaries allow around an hour for a signing. But, for a HELOC, Reverse Mortgage, or other longer packages, the timing can be unpredictable.

I did a huge construction loan for someone. I was in and out in 20 minutes with a 180 page package. He was a business professional and knew the drill. He didn’t read. He just signed. There are others who read all day at your expense.

One Notary claimed her average signing is 45 minutes. But, it depends on the lender and the type of package, type of borrower, number of pages, etc. Another Notary on Linked In claimed 45 minutes to an hour. A third Notary claimed 45 minutes as well. A forth Notary kept track of her signings over the course of a year and came up with the figure or 45-75 minutes unless there are multiple signers in which case it might take 15 or more minutes longer.

Older clients (the kind that leave their left blinker on for half an hour in Florida) might need 90 minutes for a signing. They can barely see their pen, so how can they possibly know what they are signing?

Summary
The considerations for how long a package will take to complete should be thought about in this order.

Age
Age determines how long a package will take to complete more than any other factor. Elderly people cannot see well, can’t hold a pen well sometimes, and get very tired. Allow a lot of extra time for Reverse Mortgages, Hospital signings, etc.

Experience
Professional businessmen can get in and out of a signing quickly, unless they make you wait for their busy partner to arrive which might take an additional ninety minutes without waiting time unless you negotiate well.

# of Signers
If you have five signers, you might be there for a while. They will have more bathroom breaks, more showing up late, and if even one doesn’t have proper ID, that throws the whole game off.

# of Pages
A fast signer can get through a long package quickly. But, a “reader” will take forever. The type of sign(er) is more important than the type of sign(ing) as a professional signer can whip through a 300 page loan faster than a nit-picky suspicious “reader” can get through an 80 page signing, especially if they have to call their lender.

Prepared Lender
If the Lender on the loan prepares his borrowers well, the signing will go fast. But, what if you get a Lender who waits until the last minute to fill in the blanks. You will be at the signing over an hour with a Lender like that. I had a best client who never prepared his borrowers well. The money was not bad, but they really took advantage of my time. Most Lenders have a few screws loose, and the Notary is the one who pays for that.

# of Notarizations
I was a fast Notary and could do 11 notarizations for two people = 22 notarizations in less than half an hour. But, it is a lot faster to do one notarization especially if the signer whips out their ID quickly (use a stopwatch for measuring that.)

Ending Joke
Here is a Maine joke for you guys.

TEXAS NOTARY: I once had a signing so big it took me three hours to complete

MAINE NOTARY: A-yup, I once had a printer like that

Share
>
Older Posts »