November 2017 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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November 30, 2017

Why are older Notaries so argumentative?

One of my clients who hires Notaries says there are three types. The new ones who know nothing but want to learn. Those who are six to twenty-four months in the business who know a lot and are still trying. That client thinks that after two years people stop wanting to learn. My take on the situation is that after four years people stop learning. So, what happens after people’s will to learn atrophies? They get worse and forget things.

Older Notaries forget more every year and their attitude gets worse too. I just had a Notary with 24 years experience argue and argue and argue by email with me. If she wants to get ahead on 123notary, you get ahead by proving your knowledge and good attitude, not by fighting. The other problem is that with age, people get a little nutty in the head and cranky. So, old Notaries can sometimes be some of the worst.

So, what is the solution? Old Notaries cannot become new Notaries. However, can an old Notary learn the spirit of a New Notary? Can they make a new beginning?

This reminds me of the saying that there are old pilots and bold pilots but there are very few old bold pilots.

Carmen and I are trying to get the older Notaries to go back to the books and study more. It only works when we spoon feed people, because Notary old wants to study. But, during a discussion with Carmen I realized that we are part of the problem.

I started this business when I was thirty with great dreams, spirit and a desire to make a huge impact on the world. I had no idea what would happen, but I had a ferocious work ethic that kept me going 70 hours a week every week. I am 48 now and believe me I do not have the energy to do more than 40 hours a week. At my age I have learned the art of efficiency because I don’t have the energy or the will to do what I did when I was thirty. I admire the person I used to be and I admire the skills I have learned in the past eighteen years. I have really grown up, but I have also become a cranky old man in the making. So, how can I too learn the spirit of young Notaries?

Our whole site 123notary has the spirit of old Notaries. Our high placements are almost exclusively owned by cranky old Notaries. Carmen and I are cranky and old. We need some hard working new people with some spirit. Where are those people? Oh, and by the way they have to pass my test too which narrows it down.

The Notary profession is one that appeals to those who cannot get a real job. That is why we have so many apathetic people who don’t cooperate. To succeed in this business you cannot be that way. You have to be responsible. Where are the people who are responsible, and study and succeed?

Maybe I need to take some time off and try to re-become what I was when I was thirty. Do something by going out on a limb not knowing what the final outcome would be but basing my risk on pure desire, commitment and hope. It’s not a bad way to begin. America began that way.

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Do you talk back to people?
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I’ve been doing this 20 years
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Are folks with 20 years experience getting more clicks or less in 2018?
Who is getting clicks in 2018?
http://blog.123notary.com/?p=19900

Answering the call and then not wanting to talk
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November 28, 2017

Five things a Notary must do

This article is sort of like — how to be a notary in a nutshell. But, if you were a Notary in a nutshell, would your seal fit in the nutshell? Notaries are a bunch of nuts anyway, so they probably were inside a nutshell at some point in their evolution. In any case, what does a Notary do?

1. Identify
2. Journals
3. Filling out certificates
4. Giving Oaths
5. Understaning the difference between a legal and illegal request.

The most important thing a Notary does is to identify the signer and make sure they are the one who is intended to sign the document. Many Notaries take liberties identifying people which is dangerous and could come back to them. There are fake ID’s and people who impersonate others with the same name or variation of the same or similar name. If you think this will never happen to you, guess again and then you will understand the reason why the Notary profession exists — to deter fraud and safeguard transactions. If you are not safeguarding transactions through proper identification, you might as well not be a Notary.

Not all states require a journal, but if you are in front of a judge or FBI agent and don’t have a journal, you will be in a ton of trouble. So, there is more than just your sec of state to be accountable to. You need a journal in case there is an investigation and if you don’t keep on, you should not be a Notary. Period!

Filling out certificates seems easy enough. But, what if there is a snag? What if the certificate was filled out by the lender and one of the signers cannot show up or what if the state is wrong? Then, you have to make a change. But, what if you don’t know who initials the change, or forget to initial altogether? Then, you will be in huge trouble and will deserve it. What if you don’t know how to add a loose certificate with a staple to a document and fill out the “additional information” section. If you don’t know, then you are taking a huge risk being a Notary. That is mandatory knowledge.

Giving Oaths is something Notaries are generally legally required to know, however, no state audits people’s Oath giving abilities. The result is that 70% or more of Notaries do not know how to give an Oath. Some rely on their cheat sheets, but not knowing how to give an Oath off the top of your head is as ignorant as needing to consult a manual every time you tie your shoe. A real notary would not need a cheat sheet.

Knowing what is legal and not is a must. Different states have different laws. By rejecting legal requests, you are no longer a Notary Public, because a Notary Public accepts all legal requests from the public. Most Notaries reject legal requests on the basis that they don’t feel personally comfortable with the fact that someone already signed a document to be acknowledged or that the document is in a foreign language. In California, the document can be in Slobudian. You are notarizing the signature not the language. Then, the very same notary who declined a legal request will stand in line to do something completely reckless and illegal out of carelessness or stupidity like mailing a loose certificate in the mail simply because — it’s okay because the Lender told me it was okay or, it’s okay because I always do that. Always doing something doesn’t make it legal or safe! The law decides what is legal and acceptable — not you!

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Notary Public 101 Real Life Notary Scenarios
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Notary Public 101 A Guide to Notary Best Practices
http://blog.123notary.com/?p=19493

Confirming the Signing
http://blog.123notary.com/?p=19976

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November 22, 2017

Notaries who have gone down hill

Filed under: Business Tips,Popular on Linked In — admin @ 3:47 am

I am full of sadness writing this article. I had many elite certified Notaries who have gone downhill. The reasons for their demise very. We had a few who got cancer and lost much of their thinking skills. And these used to be our very best Notaries on the site. I almost wanted to cry after testing some of these people who are Elite Certified yet cannot fill out a journal correctly. I guess they are good with complicated documents, but not good at simple procedures.

This is why my testing is more comprehensive these days. I have to test on basics which I previously assumed that everyone would know. Boy, was I wrong.

Then, there were people who sounded like they were on drugs whose communication was a combination of babbling and incoherent nonsense. A few others just got old and senile.

It is sad that a person’s mental condition can go from good to horrible so quickly. The truth is that the human brain does degenerate, and the energy levels and neurological connections in different parts of the brain can grow or shrink. The secret is walking an hour every day and having brain foods.

Grape Juice
Grape Seed Extract
Wine
Walnuts
Fish
Ginko Biloba

Whether young or old, work daily to maintain your brain and heart. I don’t want to see others go down hill like a few names that resonate in my head. I don’t want to cry anymore that my former best Notaries have become flunkers.

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Why are older Notaries so argumentative?
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Is Trump to blame for the notary slowdown?
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Notarization for an exorcism
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Bad customers are a pain in the liver
http://blog.123notary.com/?p=20005

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November 21, 2017

13 ways to get sued as a Notary

Many people become Notaries to make a few extra bucks and don’t realize there are liabilities in this profession. Here are some ways you can get into trouble as a Notary.

1. You name your business a particular name, advertise with that name, but the name is not registered with your county clerk. Someone could sue you for using their business name.

2. You notarize loans in an Attorney state and the local bar association sues you. This has happened to a few Notaries in Massachusetts, and in Georgia the bar association antagonizes Notaries from time to time.

3. You make a mistake on a signing and your E&O doesn’t cover you. E&O is for NOTARY MISTAKES and not for business mistakes you make with loan signing. If a document is not notarized, your E&O will not cover your mistake. For example if you sign the note wrong, that is not a Notary mistake, that is a document signing mistake.

4. You return documents back late and the Lender sues you because the borrower lost their lock.

5. You make a comment to the borrower about their loan, they cancel, and then the Lender blames you and sues.

6. You decline to Notarize someone whose name on the ID does not match or prove the name on the document. One Notary did exacty this and got sued and lost because her communication skills were so bad, but judge could not understand her side of the story.

7. You get in a car accident on the way to a signing and get sued as a result of the accident.

8. You make a mistake in a loan signing and then don’t answer your phone or email for days after. The Lender is pulling his hair out and sues you for his bill with Bosley hair transplants.

9. You don’t follow directions on an assignment. You don’t show the documents in the order the client asked you to. As a result, the client changes their mind about signing the document that will get the client their commission. The client loses $5000 because of you, sues you, and wins.

10. You forget to administer an Oath and your state fines you for malpractice. In California there is a $750 fine for each Oath you forget. Fining and suing are different, but the end is the same — you lose. Or should I say, I swear you will lose!

11. You give legal advice or something that can be construed, misconstrued as legal advice. Then, you get sued for UPL. If you give legal advice to a courier company you could get sued for UPL by UPS.

12. You put the wrong date on the Right to Cancel, the borrower thinks they have an additional day, and find out after the fact that they don’t. Good luck. You would be surprised how many Notaries do not know how to date a Right to Cancel.

13. You misrepresent yourself as an immigration expert and defraud some poor and helpless immigrants. Or you advertise as a Notario. You will be cracked down upon by many state governments for this.

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10 risks to being a Mobile Notary Public
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A Notary gets sued because of a scrambled ID
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You could get sued if you don’t have a business license
http://blog.123notary.com/?p=7100

Help, I’m being sued and E&O won’t help!
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The FBI is at your door and names you as a suspect!
http://blog.123notary.com/?p=20013

Find Notary Services Near Me
http://blog.123notary.com/?tag=notary-services-near-me

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November 16, 2017

Goofing on the RTC

Filed under: Notary Mistakes,Technical & Legal — admin @ 3:58 am

To be Notary, you need to be a cautious and meticulous person. The problem is, that most Notaries are amazingly careless and go into this profession because anyone can get in. This is a problem. You would not believe how many people goof on the RTC when I ask over the phone.

If a Refinance is signed on a Friday, and Monday is a Federal Holiday, when is the last day to cancel?
The answer is Wednesday night at 11:59pm.

30% of people goof on this ridiculously easy question and say Tuesday and a few say Thursday. What is the problem here? Many Notaries have poor listening comprehension. They are not really paying attention or listening when they are supposed to be listening — even during a test that determines their future. Many others do not concentrate on what they are thinking about. Sometimes it is good to review the situation two or three times in your head before giving an answer.

The Notary profession involves a lot of phone conversation, a few emails and texts as well. If you cannot think and be cooperative over the phone, you will not make it in this profession. It is easy to date a right to cancel. That is kid stuff, yet many Notaries cannot do this.

You can get SUED if you date an RTC wrong.

I signed 4000 loans in my career and did not goof a RTC even once. I made about six technical errors in my career which is not bad. I made more than six social blunders, but as you know, I am not the most socially smooth person in the world.

So, practice the RTC. This is called studying. Remember the basic principles.

The day of the signing doesn’t count as a day to rescind.
Sundays and Federal holidays don’t count as days to rescind.
Friday after Thanksgiving does count unless the Lender says it doesn’t count.
Saturdays are business days or rescission days and do count.

A borrower in a Refinances has three calendar days to rescind not including the day of the signing, Sundays or Federal Holidays.

It’s not rocket science. Learn it correctly so you don’t get fired or sued.

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November 15, 2017

The way you treat Jeremy might be the same way you treat Title

Many Notaries think they can be stubborn and difficult with me during our interactions. The fact is that I assume that if you are rude to me, that you will also be rude to title companies. Then the Notaries say that because they are paying me, they have the right to be rude to me. What an attitude! These are the same people who think they have the right to claim to know what they are doing when they don’t.

Then I talked to Jen who confirmed my theory. She had many title clients and she said that if a Notary is rude to me, they will be rude to others too. I was thinking that since Notaries get paid by title they will start out polite. But, if anything goes wrong, that the rudeness will come out fast.

My spiritual master says that if someone is rude to one person, then they are just rude and will eventually be rude to everybody. I have no way of proving this true. But, I have seen behaviors of friends who were hostile to strangers. This hostility came to me too, but not right away. I had to wait six years to see that hostility come back to me, but it came loud and clear.

So, if you see red flags, don’t discount those flags. They are real, and the consequences of the behavior is real too.

123notary is a directory that caters to Escrow and Title. We need professional Notaries who take their job seriously. Otherwise, the end users will get a bad impress of me, and I can’t afford that. So, treat me professionally, otherwise I will assume you are unprofessional towards everyone sooner or later.

.

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Bad customers are a pain in the liver
http://blog.123notary.com/?p=20005

Why are older notaries so argumentative?
http://blog.123notary.com/?p=19579

Do you talk back to people?
http://blog.123notary.com/?p=20003

Compilation of posts about Notary etiquette
http://blog.123notary.com/?p=20505

What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

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November 14, 2017

That will never happen to me!

Filed under: Technical & Legal — admin @ 3:49 am

There was a Notary who generally did a good job, but didn’t understand that the Notary profession isn’t completely safe. He knew that other people went to court from time to time but thought — that will never happen to me. He did his job faithfully day after day. One day he did a routine job for Annette Rockafeller. Little did he know that the ID was fake. Since his state law did not require thumbprints, he notarized Annette based on her fake ID which looked real. Several months later, our Notary friend had to appear in court. He was in court for a month because he did not have incriminating evidence to nail the suspect in the case who had committed identity fraud and robbed someone of half a million dollars.

The judge finally figured out what happened and convicted someone names Judy who was pretending to be Annette. My only question is that if Judy was pretending to be Annette, then who was pretending to be Judy? In any case, the Notary lost half his loyal clients because he was tied up in court for a month with no pay. He was frustrated and upset that this had happened. After all, his state didn’t require thumbprints so he had done nothing wrong.

The judge sat his down and explained that India does not require seat belts but you can still get killed if you don’t wear one. The law allows people to drink alcohol, but you can still die if you drink too much. There is nobody forcing you to take a thumbprint and nobody forcing you not to. But, next time YOU could be named as a suspect as a conspirator in an identity theft ring if this happens again. Guess what the Notary said to the judge?

That will never happen to me!

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November 13, 2017

Notary loses $4000 in legal fees because fraud adds name to Acknowledgment certificate.

When I was a Notary and was handed some other Notary’s work, I normally saw that the he/she/they and capacity(ies) that needed cross outs did not have cross outs. By omitting the cross outs you cannot know if the signer is a single man, woman, or multiple people. California no longer allows Notaries to verify capacity which leaves one less thing to cross out.

If you as a Notary omit to cross out the she/they on an Acknowledgment for a single man, someone could add another name to the certificate and get away with it undetected. Notaries can be extremely negligent and don’t get caught — usually. But, I catch them by the dozen every day and penalize them on my site. I throw hundreds of Notaries off my site for failing my over the phone Notary quizzes. And others stay on the site but I deduct points from their point algorithm results which makes it very hard for them to upgrade. You might not take doing your job correctly seriously, but I do.

And then the Notaries who take their job seriously, but have been doing it wrong for 20 years and think that their work is flawless. I will catch you. I will expose many things you are not doing or are doing incorrectly. Better that I catch you rather than ending up in court with legal fees for not filling out forms correctly. Being a Notary is not rocket science. There is no reason for such negligence!

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Penalties for Notary misdeeds and misconduct
http://blog.123notary.com/?p=2067

13 ways to get sued as a Notary
http://blog.123notary.com/?p=19614

10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459

The FBI is at your door and names you as a suspect!
http://blog.123notary.com/?p=20013

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November 12, 2017

What gets you in trouble as a Notary fast vs. slowly

Filed under: Etiquette,Popular on Linked In — admin @ 3:50 am

As a Notary, there are many ways to get in trouble. Here are a few.

SLOW TROUBLE

Journals
If you don’t keep a good journal, you might get into trouble. But, people will only find out how bad your journal is after you are in court which won’t happen too quickly unless you have bad luck. But, many notaries do eventually end up in court, and you will find out then if you are in trouble for not keeping a good journal. Honestly, being in front of a judge is not the time you want to learn how you should have been keeping your journal. Find out before you are in trouble and save yourself the grief.

Identification.
If you identify people and take liberties doing so, it might take a while before you end up in court. Even if you do so correctly, you can still get in trouble. If the name on the document is not provable based on the ID, then you are going out on a limb notarizing. Also, if you do not thumbprint all signers, if they gave you a fake ID, then you have no paper trail leading to their arrest. You might get away with this for twenty years of sloppiness, and then on year twenty and one day you end up in court as a suspected accomplice in an identity fraud ring. Then you will be sorry. Be prepared and take a thumbprint. Only you can prevent forest fires and identity fraud (not necessarily in that order.)

FAST TROUBLE

Certificates
Not completing certificates will get you into trouble faster than wearing a Rolex in the South Bronx. If there is an error on a certificate, it might not be recordable or acceptable to the document custodian. That can hold a loan up and get a Notary fired or even sued.

Not following directions
Not following directions can ruin a job and get you fired quickly. Signing companies, brokers, and lenders want you to follow directions, so take that seriously. It can cost them thousands if you screw up.

Not answering your phone.
After you are done with a job, you are still on the hook. If you are needed for after-service but just don’t answer, you can get in trouble. Answering email is important too. If you go on vacation or are hospitalized after a job and are not responsive, trouble will follow.

Arguing with Jeremy
If you argue with me about how you don’t need to take my dumb quiz, you get into trouble fast with me. Many people have lost their certifications with 123notary purely due to stubbornness. How unnecessary. But, then if you are impossible with me, you will be impossible with the title companies who use 123notary and who needs that?

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10 risks to being a notary public
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13 ways to get sued as a notary
http://blog.123notary.com/?p=19614

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November 10, 2017

Protesters & A statue of a Notary who had slaves

Filed under: Best Humorous Posts,Humorous Posts — admin @ 8:09 am

There is a town in Virginia where there is a statue of Franklin Bends. Franklin was a Notary Public in his day and also had slaves. A group of leftists surrounded the statue and wanted to either vandalize it, or take it down entirely. Meanwhile another group called, Notary lives matter got word of this protest and went to defend the statue. Their argument was that this man was an important part of history even though he had committed some sins according to the modern way of thinking. The second argument was that five hundred years from now when there are statues of violent and irratic protesters, those statues will be knocked down because five hundred years from now they will be prejudiced against people do drugs, act crazy and destroy things.

The the protesters asked, “How do you know that?” The NLM leader said, “I just made that up — no just kidding, I asked my psychic.” Then the protesters asked, “Well how reliable is he?” NLM retored, “He’s accurate a lot of the time.” The head of the protesters asked, “Do you have his card or something. I need a psychic right now. My last one skipped town.” Then the NLM guy said, “I knew you were going to ask that… okay, I didn’t, but my psychic did, or at least I predict that he would.”

The NLM leaders said that destroying the statue would not change the past, or improve the future — it would just be an act of destruction and erasing our history and heritage. Can you imagine a world where history has been twisted or completely erased? Would you want to live in that type of world? History could not repeat itself because it wouldn’t have happened yet, plus there would be one less category on Jeopardy.

Then the protesters explained that we already lived in that type of world because history is taught from the point of view of the people who won wars, and that Native Americans are always represented as savage fighters or helpless victims simply because that is the only information the historians had on them. If the Native Americans had written history, they would have shown life as normal and then Custer coming out of nowhere and destroying them.

NLM rebutted that the protesters had a good point but were digressing, but not regressing. NLM decided that they would compromise by having the protesters create a statue of protesters protesting the statue of the Notary instead of smashing things down. The protesters agreed and so did the birds (tweet tweet) who were protesting that there were no transgender statues for them to go to the bathroom on — an interesting twist on transgender Avian bathrooms.

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Finding your roots — Notary edition
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Notary speaker offends college students
http://blog.123notary.com/?p=19395

Black Notaries vs. White Notaries: The Notary Manual
http://blog.123notary.com/?p=19322

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