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

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October 31, 2017

Notary Public 101 — Review Quick Pointers

Filed under: Loan Signing 101 — Tags: — admin @ 4:34 am

Return to the table of contents page of Notary Public 101

Here are some review pointers. Rather than teaching in index format like I usually do, these are quick facts you need to know. Besides those other facts your embarrassed parents thought you didn’t need to know.

An Affiant is someone who signs an Affidavit and swears under Oath. A Harvey Weinstein is someone who signs a check to a woman to hush her up and swears under his breath.

An Attorney in Fact is another way of saying Agent or Grantee for a power of attorney. An Attorney in Fiction is another way of saying Perry Mason.

A certificate is a form a Notary uses for executing Acknowledgments, Jurats, and other Notary acts that require a certificate. Florida and Texas use certificates for Oaths while most other states do not. You can buy certificates in pad format from the NNA and other vendors. You should keep these in your notary bag at all times because you WILL be using them.

A Principal is the main person who signs an Power of Attorney or who is signing a document that is notarized using the Proof of Execution procedure. It just means the main person who signs a document. Consider it your Notary bag of tricks. The other kind of principal is the person you’re sent to when you’re caught chewing gum in class. Memories!

The Venue is the part of the certificate where you document the state and county where the notarization is taking place. It is also the physical location where you might be at any point in time, especially during a notarization. On the other hand, if you pick up a Notary in a bar, the venue could be your place or mine.

In an Acknowledgment, the signer must acknowledge having signed a document in the physical presence of the Notary Public, but does not need to sign in front of the Notary (although Lenders prefer that they do.) Some lenders I know also prefer that the well-known phrase, “Neither a borrower nor a lender be,” NOT be acknowledged, because it would mean they no longer be!

In a Jurat, the affiant or signer must sign and swear to the truthfulness of the written statement or document in the presence of the Notary which is evident based on the Jurat wording, “Subscribed and Sworn to BEFORE ME.” Note that acknowledgments do not include the before me part when referring to signing. They also don’t include any swear words, so the “sworn to me” part is confusing.

Your Seal must be clear, complete and not smudgy and not have light or missing corners or you will be hearing from the county recorder and might have to redo your work. Seals may look smudgy even if they aren’t, if you forgot to wear your contacts.

It is illegal to omit an Oath or Affirmation when executing a Jurat. Many Notaries say that they never have to administer Oaths in their state. I’m not sure whether or not to believe them. But, you need to know how to do an Oath if you see the words, “Subscribed and SWORN to before me.”

Oaths begin with the verbiage, “Do you solemnly swear…” If you omit the term swear, then the proceding is not an Oath. Oaths are made under God while Affirmations are made on your personal honor. If you’re Harvey Weinstein, the personal honor part doesn’t apply. I affirm that will be my last Harvey Weinstein joke.

Affirmations use the verb “affirm” or “state” but not swear. If you swear it is not an Affirmation and if you affirm it is not an Oath.

Oral statements do not get the same Oath as a written document or statement. Do you solemnly swear that the statement you are about to make is true and correct is a good Oath verbiage for an oral statement, but would be completely wrong for a document Oath for obvious reasons. Don’t let the fact that oral hygiene is good and documented hygiene is also good confuse you.

In your Notary Journal create one entry per person per document. If there are two signers each signing three notarized documents, then enter six entries. Each one signed by the corresponding signer. And keep journal thumbprints just in case someone gives you a fake ID. (If you’re a liquor store owner and someone gives you a fake ID, give them your thumbprint down!) Keep additional notes if there is more than one document with the same name such as escrow numbers, addresses, or anything to distinguish the documents.

The purpose in keeping a journal is not so much to please your state although many states require this, it is to please the FBI & Judges as they will be the ones inspecting your journal if something goes wrong. (However there’s no pleasing some people, like my old girlfriend who complained when I had the toilet paper roll under, not over, and also when I had it over, not under.) California audits journals from time to time too and they will suspend you if you keep a bad journal or no journal.

If the identification does not prove a person’s identity then that is a questionable and possibly illegal notarization. Think of all the trouble you could get yourself into taking liberties notarizing. You could end up in court as a defendant. The ID does not have to exactly match the signature, but the name in the signature must be provable based on the ID. i.e. the ID says John William Smith and the signature on the document says, John W Smith — then it is provable and you should be okay. If your ID says “John Doe” and you’re checking into a hotel with a harlot, it isn’t provable but you should be okay if you wear protection.

Identification for the purposes of notarization should be government issued photo ID’s and be current (some states have exceptions to the current part.) A Social Security card or AKA statement is NOT acceptable for a Notary to use to identify a signer or verify a middle initial. If Social Security runs out in 30 years, you can use that to identify millennials’ middle fingers.

A thumbprint is the most unique and reliable way of identifying someone as a supplemental form of identification. Use a photo ID as a primary ID and thumbprint in your journal. That way if you are ever investigated you will have hard bio-metric data to find dangerous criminals. If the criminal had his thumb blown off, you’re on your own.

When doing a POA signing with an Attorney in Fact, there are multiple ways an AIF can sign. John, as attorney in fact for Sue. Sue, by John her POA, etc. To choose the right variation is NOT YOUR JOB. There are perhaps eight legally acceptable ways of doing the verbiage. It is up to the LENDER to decide which variation they want. Rely exclusively on them for this as choosing a variation is a matter of preference, and the loan will not go through if you goof on this. If you goof on your younger siblings, it’s perfectly normal.

Do NOT send loose certificates in the mail. You could end up in jail as it could be attached to anything. Certificates must be stapled to the document they correspond to — period! Do not send loose women in the mail unless she’s going to Harvey Weinstein. Darn! Okay, I promise, that’s the last Weinstein joke!

Do not ask Lenders or title people for notary advice. They will tell you what they want you to do which is often illegal and for their short term benefit. Rely on your state government and NNA’s hotline for reliable Notary knowledge. Other people are NOT experts at Notary law and might lead you astray by accident or for their convenience. Don’t trust anybody except Santa Claus and the Tooth Fairy. They don’t exist? Okay, don’t even trust them!


October 30, 2017

A follower with two Masters

Filed under: Advertising — admin @ 10:50 am

In the spiritual game, we are told that we can only have one spiritual Master at a time. The reasoning is that multiple masters would cause confusion, differing ideologies, and might do conflicting spiritual work at you at the same time not knowing that some other master had done some other spiritual work on you recently. The result can lead to a mess, conflicting loyalties and other bad side effects.

Running 123notary is a little like having two masters. Since the Notaries are paying me, they feel that they can behave as they like, be as ignorent about Notary procedure as they want to be, and get away with it without even being questioned because after all, they are paying me. Even Carmen claims that I am not business minded because I care more about the quality of the people being added to my site than what they are paying me. However I beg to differ.

Title and Escrow companies prefer 123notary over any other site. Why? Because we offer the highest quality of Notaries around. No other site offers the same average quality of Notaries. However, after testing many of our Notaries, I will vouch for the vact that most of our Notaries are far from my minimal idea of quality. We have roughly 25% quality Notaries on our site while signingagent.com has about 2%, Snapdocs has 1% and NotaryRotary might have about 15%. We also get rid of the really unacceptable Notaries which is something no other site has done before. So we have a higher percentage of top end Notaries and a much lower percentage of the “F” quality Notaries.

I have to please the Title & Escrow Gods or they will not come to my site as much. To please them I have to maintain as high a quality standard as possible. It is also pleasing to me to have a quality site, and as of October 03, 2017 when I am writing this article, I am not completely satisfied with the quality of my site’s quality. There is much room for improvement.

If I please the Notaries who are paying me but upset the Title Gods, then nobody will come to our site and then the paying Notaries will stop paying soon after. If I upset the Notaries but please the Title Gods, most of the Notaries will feel that if they want business they will have to stick with 123.

I would like to please all parties as much as possible. But, if quality is an issue, I will err on the site of pleasing the Title Gods. Without them our ship is sunk!


October 29, 2017

Multiple title companies told notaries NOT to thumbprint?

Filed under: Technical & Legal — admin @ 1:00 am

When I ask Notaries to thumbprint, they tell me that title companies don’t want them to. I don’t want anyone to get fired. However, I don’t want the Notary to be named as a conspirator defendant in an identity theft case either. Most Notaries don’t want to do anything they are not forced to do, especially if the people who pay them do not want them to. The only solution is for 123notary to contact Title companies and explain why it is so critical to take thumbprints.

Thumbprints are the only way to catch identity thieves. And Lenders can lose thousands of dollars should an identity thief slip through the cracks and they do from time to time on loans. So, why would a title company want to prevent the FBI from catching the bad guys.

Should 123notary write to title companies and explain why this is so important? Maybe that is the only way they will listen. The Notary industry is screwed up, so it is up to us to turn it around, right?


October 27, 2017

Vietnam War Notaries. A POA for a POW.

Filed under: Virtual Comedy Themes — admin @ 12:52 am

Back in the 60’s, soldiers were not the only ones sent to Vietnam. Notaries were as well.

One such Notary was talking to another Notary in the plane and asked, “If I like the Beatles, does that make me a Lennonist, a McCartneyist, or an anti-McCarthyist?” The other Notary said, “It makes you a music lover, and probably left-wing. I think we’re fighting on the wrong side.” Speaking of music, on the plane, they had some Cuban-Vietnamese music played with a Viet-Conga drum to keep the rhythm. Then, another Notary commented that Ho-Chi-Minh was not a hoochi mamma, but a ho-chi baba. The discussion moved from dumb jokes to a more serious matter. Names. Some of the humor on the plane came from a book written by the famous Chinese comedian “Foo-Ling” and his wife the nutritionist “Rose Hip.”

So many people in Vietnam have the same names. Half the country is named Nguyen, Tranh, or Duc. How can you tell people apart based purely on the names?

Meanwhile on the front, Vietnamese smugglers were engaged in human trafficking of refugees into Cambodia. Van Winh Vu smuggled regugees in a van (more than just a name) but was caught by an American soldier named Carl Van Schessler. I guess it’s one van for another, or more of a van pool. Then Truc Le Tranh smuggled regfugees in a truck while Tranh had ammunition transported in a compartment of a Train.

Notaries were very fearful of going to their Notary appointments because of all the booby traps. Between road side bombs, pungi sticks hidden under banana leaves and mines. It was like playing dodge ball every step of the way.

Harry the Notary was on his way through some rice paddies to Notarize a transaction for a few very large bags of rice which was the local currency. He prayed to God he did not bump into the Viet Cang on his way, or American planes dropping any napalm.

Harry got to his appointment only to find that Tranh Duc Ho was selling twenty 50 pound bags of rice to Tranh Duc Ho. The Notary asked, “Is this some type of a joke?” Tranh #1 said, “No, we just have the same name. That is common around here. See, look at our ID’s. They say the same name. We look similar too.” The Notary said, “Oh, God. Doing Notaries around here is like walking through a mine field.” The Notary decided to thumbprint everyone to keep them honest and make notes about who had a tattoo where or a scar where just to keep the record straight. After the notarization was over, the American military came and confiscated all of the rice since the Vietcong was in the area. Why is life so unfair. Are we the good guys, the bad guys, or what?

Then the Notary went back to the base and talked to another Notary named Sam. Sam had been near where they were dropping Notary Palm. It’s kind of like napalm but has black ink that burns at 2000 degrees. Then, the new weapon for Notaries was filling a pungi stick with Notary ink and shooting ink out of the stick. After this scary conversation they met yet another American who escaped from a POW camp.


JOHNNY: “I need a POA for a POW.”

HARRY: “I can do that. Do you mean a former POW?”

JOHNNY: “No, it’s for a friend. He wants to have his car managed by his wife back home.”

HARRY: “What happened to your fingers?”

JOHNNY: “They got messed up when I was in The Trang.”

HARRY: “Oh, what did they do to you there?

JOHNNY: “They made me give details of troop locations by sticking bamboo slits under my fingernails.”

HARRY: “Ouch. If you don’t talk do they move you to the basement of the Trang?”

JOHNNY: “The what? No, I didn’t say, “The Trang, I said De Trang. It’s a city in Nam.”

HARRY: “Oh, shows what I know. The Trang sounds like the name of a jungle vietcong prison camp to me, or just a remote jungle.”

JOHNNY: “I don’t know if I can get those guys out while I visit, but at least a notarized POA will do. After it’s notarized, we can see about an escape route. They might have moved location, so we will have to track them and the Notary will have to come along. It’s twenty days on foot. So we will need to bring plenty of food, water, and disinfectant. Are you any good at setting up booby traps?

HARRY: “I know a guy who flies a helecopter shaped like a Notary Seal who taught me a thing or too. I know how to make a mine that looks like a Notary Seal. If you press on the top, then ink flies everywhere. It’s sort of like a science experiment.”

JOHNNY: “Well this trip is not an experiment. One wrong move and you’re dead or lose a leg which in the parts we’re going to is a slow death.”

HARRY: “Well I’m not going to die because I’m special.”

JOHNNY: “For the last two years I’ve been putting pieces of special people in body bags. Everybody’s mother thinks their special.”

HARRY: “You’re the bravest soldier I’ve ever met!”

JOHNNY: “Thanks, I’ll remember that compliment when I’m putting pieces of you in a body bag.”

HARRY: So, how do you think the war is going?”

JOHNNY: “The Vietcong is upset because they have run out of new and creative ways to rip someone’s rib cage out of their body and have failed to find a perfect way to create a booby trap that rips someone in two exact pieces. They tried ripping people’s eyes out of their sockets but were lousy at that. But, they are good at booby traps which is how I lost half of my men. Meanwhile half of our guys capitalize on how weed and heroin are pennies on the dollar over here and in very pure form. That slows their reaction time in battle which is why our kill ratio isn’t what it should be. Meanwhile the Southern Vietnamese army is upset because the price of pedacures has doubled. ”

HARRY: “What are they, a bunch of girls?”

JOHNNY: “Half of them act like girls while in the Vietcong, half of them are girls who could rip your arm out of its socket. One girl called the Apache castrated one of our guys while he was still alive. We hunted her down for three days and assassinated her with a long range rifle. Normally they ambush us, but we turned the tables due to extenuating circumstances.”

HARRY: “What happened to the guy?”

JOHNNY: “He died of blood loss within minutes. Isn’t he lucky?”

HARRY: “Well, let Saigons be Saigons. Okay, let’s visit The Trang and do a POA for a POW.”

JOHNNY: “We leave at 0400 hours. Get some z’s while you can. And we’re going to the jungle near Da Nang, not De Trang.”

HARRY: “Oh, they have a Trang there too?”

JOHNNY: “Never mind.”


October 26, 2017

My bad karma from testing people by phone

Filed under: General Stories — admin @ 12:53 am

Ever since I have been bothering hundreds and thousands of Notaries by testing them by phone, I have had bad karmic consequences. All I want is quality control, and all I get is flack. I called more than 1000 Notaries to ask basic notary questions and document questions to see if they knew what they were doing. I got mostly complaining and wrong answers.

The results were that bad things kept happening to me.

The building maintenance guys came knocking on our door and insisted that the smoke detector was inspected. So, they decided to change it and now I am stuck with a much more attractive and shiny new smoke detector. What a bummer.

Next was that the building maintenance guys started knocking on our door again They claimed that our carpet was torn in the hall and that is was manditory that it was replaced. The next thing you know they put in this beautiful new carpet in our hall which doesn’t match the ugly beige carpet that has turned almost black from not being steam cleaned in a while. More bad luck.

Then, I went to New Mexico to receive the healing work of very benevolent shaman spirits who care for me. But, they did a little too much and now I wake up in the morning feeling ready to work for the first time in 33 years. No more sleeping late! I used to sleep until 1pm and could not fall asleep at night. That problem is over.

Next, a maintenance guy with a cocky attitude put new and beautiful caulk in my bathroom.

Then, another maintenance guy finally bolted my toilet down. It had been rocking for years.

And finally, maintenance finally fixed my squeeking door and greased the hinges.

Of all the bad luck. I guess that me fixing all of my Notaries (or kicking many of them off who are beyond help) is causing me to have the bad luck of other people fixing my broken things. But, what’s next? I can’t take this any more!


October 25, 2017

Does 123notary have the authority to quiz people?

Filed under: Marketing Articles — admin @ 1:05 am

In the old days, I had to quiz people by phone but got tired of it because people were so slow and didn’t know their stuff. Then, I invested in technology to test people, but so many people failed, or cheated on the test, that the results were not practical. Now, I am back to testing people by phone. Since most people won’t volunteer to be tested, I call them up and ask questions. Most people comply although the quality of their answers is horrible. But, people have questioned my authority. Here are some common complaints that I get normally from people who get 20% or less on my test and have anger issues.

1. Who do you think you are to ask me questions?
My response: If you are listed on my site I have the right to ask questions. If you don’t like it, ask me to remove your listing and I will.

2. Do you think you are the NNA?
My response: The NNA is a nationwide Notary organization. So are we. They do not call people and ask questions, but do remote testing for people who want to be tested as a Notary or Signing Agent. We at 123notary also have Signing Agent certifications, so we are similar to the NNA in many ways. We do many of the same things they do except that they sell supplies and we don’t.

3. You are not a state licensing agency.
My response: The states do such a bad job commissioning completely unqualified, incompetent people that I have to take over where the states left off which is educating people and testing them. I am not authorized by any state to teach Notary issues, however nobody who is qualified will lift a finger for me so I have to do the work myself and it is tedious. I am a web site licensing agency. I offer the license to be listed on my website and I will take it away from you if you can’t function as a Notary Public.

4. We are paying customers, therefor you don’t have the right to ask us anything.
My response: Your last payment was in 2014 which was three years ago. You now have a free listing. But, even if you were up to date in your payments, I have a reputation with the people who use our site. If everytime you went to 123notary you got horrible Notaries who ruined your loans and cost you thousands of dollars, you would avoid my site. If every time you used 123notary you got angry jerks who were rude to you, you would only use NotaryRotary or some other site. I have to have competent and polite Notaries on my site or people will stop coming. That means I have the necessity to ask you questions to verify your competence. And if I learn that you are not competent as a Notary Public, I should probably remove you although I remove very few people for incompetence.

However, I was auditing the people who passed my online test. Many cheated by memorizing the answers or having someone test for them. So, the only way to keep you certified is to ask a few questions by phone to make sure your phone score is consistent with your online score. If you got 90% online and a 60% phone score that is close enough, but what if you get a 20% phone score? If I give my certification to people who cheated, then the certification loses its meaning and becomes worthless. All I ask is that you passed legitimately and I do not want to test you every year like the NNA. They have their way and I have mine.

Just because you are paying me $99 per year doesn’t give you the right to ruin my reputation with users. And just as you pay to go to a restaurant you have to behave properly or they can throw you out. When you pay for an air ticket you sit down when the captain tells you to even though you are the one paying. When you pay to go to school you follow their rules. It is the same on 123notary. All we ask is that you maintain your listing and behave politely on the unusual occassion when I will ask you a few questions. I also request that you know how to be a competent Notary.


October 24, 2017

More Notary Questions from Ken

Filed under: Ken Edelstein — admin @ 12:36 am

You realize at the shipping depot that you forgot to double check the loan package. Upon inspection you notice that the borrower did not initial the signed signature page of the Note.

1. You make a copy of the page, email it to the borrower, requesting they initial it and FAX it to your employer, then you ship.
2. Knowing you will miss the drop off, you return to the borrower for the missing initials, and ship the next day, happy that the package is now complete.
3. Initials are not required on signed pages, so you ship with a post-it at the top of the package noting the missing initials.
4. You add the missing initials with a different color pen so they will know it was a notary correction then ship.

You are in Kansas and the property is in Montana. You have been directed to make no changes whatsoever to the docs. How do you notarize the Mortgage (State of Montana. County of Snow).

1. Leave the Venue as is, following directions to the letter, notarize directly on the Mortgage without any changes
2. Change the Venue to where the notarization takes place, crossing out the values and initialing the changes
3. Attach a new notarization to the Mortgage, ignoring the notary section that was preprinted.
4. Call the Title Company and do whatever they tell you to do.

The airbill appears fuzzy, you only have access to a dropbox, you were directed to make sure it is shipped same day.
1. It’s their airbill, use it and drop in the box.
2. Nobody answers (Signing Service, Title Co., etc.) so leave message and hold for instructions
3. Scan and email entire package to every email address involved and wait for instructions
4. Leave messages, scan & email & ship

Loan Officer sends you an email authorizing backdating the notarization to yesterday to preserve the borrower rate lock
1. Accommodate the request as you have proof that it was authorized
2. Ignore the backdate request and proceed using today’s date
3. Return (dump) the job
4. Let the borrower choose what date is to be used

Borrower signed in your place in the notary section
1. Start over using the appropriate page from the borrower copy
2. Strike and initial the error (notary & borrower initial) and sign nearby
3. Reversals are acceptable, you sign where the borrower normally signs
4. Strike and initial the error (only notary initials the strike) and sign nearby

You are 5 miles from borrower and freezing rain starts to accumulate; you gave your assurance this would be completed on time
1. You proceed to the borrower driving slowly and carefully
2. You call everyone to tell them you are dumping the job and heading home
3. Drive normally to borrower so you will not be late
4. You call borrower and tell them to meet by your house


October 22, 2017

Heard of PC? What about Notarily Correct?

Filed under: Humorous Posts — admin @ 1:01 am

Some people like to be politically correct and use all of the correct language that the neo-marxists want to control us into using. Some of us go around pushing our semantic preferences on others which gets very offensive after a while. The Notary community has been affected by this political correctness too.

We used to have only Oaths, but now we have Affirmations to please the unbelievers as well as those who are ultra-religious and don’t believe in swearing. The problem is that Notaries are so intimidated by the people who are anti-swearing that Notaries deliver Affirmation verbiage when you ask for specifically for an Oath because they are afraid to offend you. I am very offended that you did NOT mention swear in my Oath? I fail people on quizzes because they omit the word, “swear.” If someone doesn’t want to swear do an Affirmation, but you cannot mix and match notary verbiages and procedures. In an Affirmation you affirm, in an Oath you swear. Anthing different would be like a pimp with a health plan. There I go again! I meant to say Pimp-American and we can no longer say health plan but most say PPO, or HMO, or for pimps they now have a PMPO. The bottom line is that the leftist politically correct people have taken over, we have lost our freedom of speech, and most Notaries don’t know their Notary acts at all which is a disaster. The only people who can come to our defense include Bill Meyer and Family Guy!

But, what about being Notarially Correct? Is there such a thing and should there be? To be politically correct when someone orders their coffee black, you ask, “Don’t you mean African-American?”

You certify an acknowledged signature
But, when you Acknowledge a signature as a Notary, what you really mean is that you Certify and Acknowledged signature — and no, it is not just semantics. Because it is not the Notary who acknowledged the signature, it is the signer who acknowledges, the Notary certifies and notarizes.

You got your Notary commission
Many ignorant and notarially incorrect people say, “I just got my Notary.” or “I just got my certificate.” What they mean is that they just received the certificate that certifies them as a state commissioned Notary. The more NC way of saying this is, “I just received my Notary commission.”

Are you a Notary Public?
Some people ask if you are a Notary Republic, a Noterary, or a Notarizer. How ignorant can you get? A Notary Public is a public servant who does Notary work. They work for the public and hence have the term public in their name. A Notary Public may not turn down a legal request from the public otherwise they would be a Notary Private. And you are not a nation, so you are not a Notary Republic any more than Banana Republic is a Republic although I love their button down tropical shirts!

Send me an acknowledgment certificate
Some people say, “Hey, send me a Jurat in the mail.” This sounds like an illegal request. But, if they mean an acknowledgment certificate they better get their terms straight. The two notary acts are not the same.

Filling in your journal the wrong way is also not notarially correct. The correct and thorough methodology is one journal entry per person per document and include additional notes about the signer and a thumbprint. Your state might not require it but the judge who you will be facing will appreciate your prudency and so will 123notary!


October 20, 2017

Safe notarizing is like safe sex. Don’t have unprotected notarizations!

Filed under: Best Practices — admin @ 1:04 am

Can you imagine that Florida’s FAQ page forbids Notaries from requiring a journal thumbprint? The thumbprint is the one piece of evidence that can nail an identity thief and is the most compelling evidence to prove that the Notary is not in cahutz with the ring of identity thieves as well. You are protecting yourself as well as society. So, why would Florida want you to endanger everybody?

India does not require people to have seatbelts, but if you don’t use a seatbelt in India, you might end up going through a windshield onto the other side of the highway and end up with a skull fracture. The fact that India doesn’t require seatbelts doesn’t make it any more safe to go without using one.

A thumbprint is to notarizing what an airbag & seatbelt is to safe driving.
Proper identification practices like making sure the name on the document is provable based on the name on the identification document is just like wearing a seatbelt. For the most part, you don’t get into accidents. You will probably not be in a serious accident in your entire life. But, it is possible that you or a family member will be in a bad accident, and if you aren’t wearing your seat belt at that exact instant when the accident happens, you could end up dead. Not taking a journal thumbprint is like not having an airbag. If you notarize 10,000 people without incident and then customer 10,001 happens to be an identity thief, it is the thumbprint that will help the authorities catch him. If you don’t keep a thumbprint, you could end up named as a suspect in a law suit, be a witness in a long law suit and you don’t get paid for sitting in court, etc.

Heterosexual AIDS is rare in the USA, but exists.
When you have intercourse, if you sleep around, some people have diseases. You cannot know who is having an outbreak or who has a disease. People who are smart, either abstain from sleeping with people who they don’t have a serious relationship with, or use protection. It is rare in America that you would have the misfortune of having intercourse with someone hetersexual who is not an introvenous drug user who has AIDS, but it could happen in the heterosexual community. You might sleep with 10,000 heterosexuals and feel safe because nothing bad happened so far. But, with person 10,001, that person might have AIDS and give it to you. This is why you should keep a thumbprint, otherwise you might get the notarial equivalent of AIDS which is being a witness or suspect in a lengthy and expensive law suit regarding identity theft.

2% of full-time Notaries will end up in court
Identity theft is rampant, but as a full-time Notary, you only have a roughly 2% of ever appearing before a judge or being part of any serious investigation — and that is during your career and not during any particular career. Although I have met a few Notaries who have appeared before judges twice or been investigaged three times. Maybe that is their karma.

Don’t have unprotected notarizations.
What you have to understand is that when you notarize someone, you are not just notarizing them. You are notarizing them, and anyone they’ve been notarized by, and anyone they’ve been notarized by has notarized, and so on and so on. If any of them are an identity thief, you could end up with AITS (the notarial equivalent of AIDS) which is acquired identity theft syndrome. The proper use of thumbprints reduces the risk of AITS to almost zero. So, use a thumbprint and be safe. Don’t have unprotected notarizations!

Safe notarizing! Because certain things weren’t meant to be shared!


October 19, 2017

10 risks to being a Mobile Notary Public.

Filed under: Notary Mistakes — admin @ 12:59 am

Notarize at your own risk. Being a Notary is NOT safe!

Many of you think that being a Notary is an easy way to make a few extra bucks. Stamp a piece of paper, get $10, easy, right? Then you deal with nitpicky signing companies who make you fax things back and you get mad, right? That is an annoyance, but not the bigger problem. Being a Notary is dangerous, particular when you don’t do your job correctly. Most Notaries feel that you look at an ID and if it is close enough and the photo looks like the guy, that you are doing your job, right? Sort of. Here are some itemized risks to being a Notary Public.

1. Hoarders
If you go to someone’s house and they have things stacked to the ceiling, you might be in danger in their house. The signer doesn’t want to hurt you. It is just that they cannot control their psychological disease that causes them to engage in hoarding. My housemate is like this and she has stuff stacked to the ceiling which is dangerous and a fire hazard. Something could fall on you or you could get trapped in a fire.

2. Bio-hazards
Some homes that are not cleaned properly are dangerous. One house Carmen almost went into had some bacterial infection that would have gone straight to her lungs and caused her to go to the hospital. If a house smells funny, maybe you are not safe in there. If it is not ventillated properly, perhaps you should stay away. Poor hygene can be deadly, so be advised.

3. Dogs
Some neighborhoods have unsafe dogs around. Notaries could be harrassed or bitten by dogs. Carrying pepper spray or mace is not a bad idea.

4. Slummy neighbors
You might go to a signing in a bad area and people nearby might be hanging out who look unsavory. I am not sure if this is dangerous, but some people get upset.

5. Angry borrowers.
One Notary got pushed off a flight of stairs and broke her wrist. The borrower didn’t like his APR and I guess the Notary didn’t educate themself on how to give a professional explanation of the APR either. The borrower ended up in jail very quickly and the Notary healed in two months.

6. FBI and lawsuits
Roughly 2% of full-time Notaries will end up in court or with an FBI investigation for being involved with identity theft. If you do not keep a thorough journal with thumbprints and the right amount of journal entries, you are much more likely to be held in court as a witness, suspect, or cause yourself extended grief. Without a thumbprint, the investigators are often helpless to catch really really bad people. So, help them out and keep thumbprints. Do your part to safeguard mankind.

7. Getting sued by a borrower
One borrower got mad and sued the Lender, Title company and the Notary when the Notary had done nothing wrong. The Notary tried to use their E&O insurance, but the company wouldn’t pay out because the Notary had not made any error or omission. Of all the bad luck. So, the Notary lost $30,000 in legal fees. Talk about bad karma.

8. Getting sued by the bar association
If you life in an Attorney state and do loan signings without a law license, the bar association might come after you. Good grief.

9. Jeremy might phone quiz you.
Many Notaries who thought they had it together got a phone call from the infamous Jeremy (that’s me) and failed an over the phone quiz. They rationalized, “I’ve been doing this 30 years and therefore I know what I’m doing.” My rationalization is, “Not if you got 18% on my quiz which consists of very easy and every day notary questions.” You might not lose any money, but you could lose your dignity if you score less than 70%. So, study up!

10. Your seal could be stolen
It happened to me. I had to write to the Secretary of State. My car was broken into and I lost my seal, embosser and journal. What a tragedy. It took me two and a half weeks to be back in business. Think of all the money I lost not to mention the trauma of being robbed of my most prized possession — my inkless embosser that I used as a secondary seal to deter fraud! Boo-hoo.

There is also the risk of traffic accidents and having one of those talking GPS systems that talks back to you when you get in the wrong lane, but I won’t include details of those problems as they are common to all humans who drive and not just to Notaries. The end!

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