June 2018 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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June 23, 2018

Fass to use Snapdocs

Filed under: Signing Company Gossip — Tags: — admin @ 12:27 am

I heard through my sources that FASS is about to start using snapdocs as of May 2018. I cannot confirm whether this is true or not. I also do not know if that outfit is associated with First American Title or not. Although we at 123notary offer quality, most of the notaries on our site are anti-quality which makes it hard to compete. My personal business model only works when the Notaries value knowledge, study, and good business etiquette like answering the phone, responding to emails and being agreeable. I cannot change the world.

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June 22, 2018

How do you get a Power of Attorney Document?

I run a Notary directory, and people who hire Notaries often have Power of Attorney documents of various descriptions. It is important to understand that not all Power of Attorney documents were created equal and there are legal standards as well as preferences of the document custodians that need to be taken into consideration.

Legal Considerations
Legally, you probably need to consult an Attorney to figure out what rights to grant to another person (grantee) and under what circumstances and what legal language to grant such powers. I cannot assist with this because I am not an Attorney, and even if I were, I would probably not be practicing in your state.

Document Custodian Considerations
Document custodians are another party that you have to please with Powers of Attorney. A document custodian is the party that accepts your document. For example, if you get a POA for a particular bank, they will want a Banking Power of Attorney done their way which often means using their forms and not some form you got at a stationary store that looks equally good to you. The custodian has the right to choose what type of form they want in many instances.

Recording Documents
I am not an Attorney and do not know if/when/how/why Power of Attorney forms are recorded at your county’s county recorder. But, find out if you need to record it in their files ahead of time. There is normally a fee for this and it involves a visit to a government office, standing in line, not knowing what room to go to, etc.

Types of Powers of Attorney.
There are Medical Powers of Attorney, Durable Powers of Attorney where you can switch powers on an off sometimes, Banking Power of Attorney documents, and Limited Powers of Attorney as well. Living Wills are yet another specialized type of Medical Power of Attorney that deal specifically with what happens if the Grantor becomes incapacitated or is unable to make their own decisions while bedridden, etc.

Drafting of Documents
Normally, it is a good idea to consult with an Attorney before creating a Power of Attorney. Since it is a legal document, you cannot have any old person draft it for you. It should be an Attorney, or someone legally authorized to draft documents which rules out most Notary Public practitioners. Banks normally use their own forms, so ask the bank what form they require. Additionally, there are legal support firms who employ Legal Assistants, Paralegals, and a few who outsource low paying legal work to New Delhi where they do a very good job at a third of the cost. You can ask these types of agencies what they recommend and who is authorized to draft your document. Your best bet however, is an Attorney if you can afford it. Even if the Attorney doesn’t draft the document him/herself, at least he/she is supervising and taking responsibility for it which makes it potentially a lot safer for you to get a quality output.

Notarizing Documents
Any commissioned Notary Public can notarize your document in their state of commission. Please do not expect or ask the Notary to explain or understand any legal document. Non-Attorney Notaries may not give specific interpretations or explanations of documents other than general statements (in certain states) about what the document is generally about with no specifics mentioned. The Notary’s job is simply to check your ID, make sure you signed the document, the journal (required in most states, recommended by us in any state as that is your only written evidence of the notarial transaction), and fill out certificate forms that correspond to your document.

Legal Technical Terms
If you are creating a Power of Attorney, there is a lot of legalese which an Attorney can help you understand. The main terms are:

Grantor — the person giving power to another
Grantee — the person receiving special powers from the document
Agent — another name for the person who receives power and can complete tasks for the Grantor.
Principal — the main person signing the document who is the Grantor by definition.
Attorney in Fact — the most commonly used term for the agent / person receiving power of attorney.
Capacity — If you have special powers or a special position in a company, that can be described as a capacity. Being an Attorney in Fact or AIF is considered a capacity that can be indicated on certain Notary forms.

Signing in your capacity as Attorney in Fact.
There are eight ways that I have seen to sign as an Attorney in Fact. Please be advised that the particular verbiage is very particular and can be decided by an Attorney or document custodian. If they want it one way, and you sign with even one comma out of place, the entire document might be rejected and need to be resigned. Here are some common ways to sign, but ask your contact person before you sign anything, as the verbiage does matter.

John Smith, as Attorney in Fact for Sally Smith
Sally Smith, by John Smith, her Attorney in Fact
John Smith, POA for Sally Smith
John Smith, AIF for Sally Smith

Summary
In some of these variations, the signer signs the name of the other person (which I am not comfortable with) and then describes their capacity. In other variations, you sign your own name, and then indicate your capacity after a comma after your name. As always, I cannot and will not give legal advice, so, ask an Attorney before you have a Power of Attorney drafted, and before you sign the document and before you sign in your capacity as Attorney in Fact.

If you need a Mobile Notary Public, visit the advanced search page of 123notary.com and lookup by zip, city or county and find about 7000 Notaries Public nationwide, many of whom are very knowledgeable and experienced.

Good luck!

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June 21, 2018

Bad customers are a pain in the liver

Filed under: General Stories — admin @ 12:17 pm

Honestly, after months of quizzing people and enduring endless hatred, and being bashed on the various forums, I feel sick. I am sick of Notaries who don’t care about what they do and don’t care how they abuse people. I am accused of being abusive when people drive me up the wall and then I lose my temper. It is not my fault that most of you cannot and will not act like professionals. It is not my fault that few of you can give professional answers to notary questions. You choose to not know your trade. Out of 100 Notaries, not one can correctly explain all major notary acts, not even one. How pathetic.

The upset feelings that ignorant Notaries have caused me has gone straight to my liver and manifested itself in health problems. My arms started feeling heavy. I started having breathing problems. I have decided to put more emphasis on walking, nature, and work less, and eliminate ice cream and wine from my diet for now.

I guess this is the way most Notaries are. There is no motivation for any to learn on their own above and beyond skimming over things, perhaps, on a good day. Nobody has been interested in getting Elite certified on their own in years. Our Elite members get a lot more business and they will continue to monopolize until the other Notaries get off their rear and study.

I have decided that I am going to wrap up the phone quizzing and stop doing it. People hate it and it is getting to my health. None of the Notaries do that well. None of them act like professionals. It is that some are less unprofessional than others. In this business, ALL Notaries should act like professionals and know all the answers to basic questions, but the reality is that only about 2% of Notaries on our site meet this description, and our site is one of the better sites, or the best site according to Carmen.

So, to save my liver, I am testing more by email. I will test by phone only if absolutely necessary because the amount of Notary hatred makes the KKK look like school girls. When I started my site I had no idea people were this horrible. But, back in 2004 when 123notary was really growing, we did not have any of this type of problems with people. We had mostly polite customers and only a few screwballs.

But, how can I ask Notaries to be professional when the industry no longer values acting properly and knowing what you are doing. The industry wants Notaries to be stupid so the signing companies can treat them like slaves by lowballing them. So, if you are happy being slaves, then fine. But, if you want to get paid well like Carmen who gets $200 average per signing, I suggest attaining mastery of the art of being a Notary Public. Idiots do not get paid $200. Idiots are lucky to get $60 and then don’t get paid on time or at all. My suggestion is to be disciplined and choose being 100% knowledgeable, not just knowing a scrambled version of half of what you are supposed to know. 100% knowledge is called being professional.

When I was a Notary I did not think of myself as anything special. But, I knew 97% of what I was supposed to know and I kick myself about the other 3%. The average Notary on 123notary is functioning at a 45% level. This is not acceptable, but the industry accepts it and I can’t find better. So, the 45 percenters win — I lose. I will have to accept this type of ignorance until the industry changes.

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June 20, 2018

Should 123notary sell background screening?

Filed under: General Articles — Tags: — admin @ 9:39 am

Notary Background Screening

We normally like selling items with a high profit margin otherwise our time gets zapped for minimal profits. Carmen doesn’t work for free and her sales commission could eat up profits from selling books from other vendors or other acquired products. Then, the credit card companies want their fees. And then there is shipping, handling, and charge backs on 1% of our average sales, but perhaps more like 2% of new sales. I guess background screening doesn’t have shipping thank God, but you do have to get people’s information and shuffle forms around. For this reason, I am not doing background screening at this time — maybe later.

But, do you guys think we should sell Notary Public background screening?

The other issue, is that NNA and Notary Rotary sell good background screening. We just refer people over to them. NNA offers good one stop shopping and Notary Rotary has advertising, supplies, and more. It seems very efficient to get background screening through these other companies. If we offered it, how would we differentiate ourselves from the competition? I don’t even know anything about it and wouldn’t know where to begin. But, maybe one day I’ll learn.

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June 16, 2018

$14 more per signing

Filed under: Certification & Communication Skills — admin @ 8:20 am

We have learned through a poll that we administered a year and a half ago that 123notary Elite Certified members make $14 more per signing than those who are not 123notary Certified. They also get more title company work and get close to double the work in general. If you are tired of not getting paid well and want to up your education, 123notary is currently offering free education for signing agents. You can read our study guide.

Elite Certification Study Guide
http://blog.123notary.com/?p=20118

30 Point Course
http://blog.123notary.com/?p=14233

Notary Public 101
http://blog.123notary.com/?cat=4561

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June 15, 2018

Roseanne calls the NNA when she thought she was calling the NRA.

Filed under: Sit-Coms — Tags: , , — admin @ 9:10 am

Speaking of rebooting a show that doesn’t deserve to be rebooted. Here’s what happens when a Trump supporter becomes a Notary Public.

Roseanne was using Google to look up the NRA, but due to a typing error, found the NNA instead, and then started reading.

ROSEANNE: Hmm, this NNA organization sounds really helpful. They teach you everything you need to know to be a Notary, plus they sell ammunition… um, I mean supplies like Acknowledgment pads. I wonder if you can shoot an Acknowledgment.

DAN: Hey, shoot me over an Acknowledgment!

ROSEANNE: Oh, so you can shoot an Acknowledgment. Cool. I’m gonna call the NNA. (ring ring) Hey NNA, what would you carry if you were on a Notary trip?

NNA: Oh, well, we have an NNA carry-all bag.

ROSEANNE: I like these people already (yelling) Hey Dan, these folks have a carry-all bag! Hey NNA, can you fit a dead moose in one of your bags?

NNA: Um, I’m afraid that these bags are more for Notary supplies and can fit a journal, and a few pads of paper, seals, etc.

ROSEANNE: Well can you teach me how to operate one of them seals, take it apart, and clean it real nice… and reload it?

NNA: We can sell you some replacement ink. You just press the seal down to operate it.

ROSEANNE: Ahh (nasal), do I need any ear protection headset when I shoot your seal gun off?

NNA: I think you’re confusing us with the NRA.

ROSEANNE: I just want you people to know that I support second amendment — the right to bear Notarial arms.

DAN: Honey, you have the right to bear arms, but till you lose a little weight I’d wear long sleeves if I were you.

ROSEANNE: Stay out of it. If that ain’t the kettle calling the pot black. And then speaking of pot, can you operate a loaded notary seal under the influence of Marijuana?

NNA: Um, I believe that is a state specific question that is not covered by Notary law. Please consult an Attorney.

ROSEANNE: Do you know any Attorneys who smoke pot, or Attorney Notaries? Well, they’d have to smoke tons of pot if they would want to be Notaries, right?

NNA: The Notary profession is a very respected profession that has been around for hundreds of years. Please do not defile our profession. We gain tremendous pride from reading about our Notaries of the year as they contribute tremendous integrity to our profession.

ROSEANNE: Well, whaddo I gotta do to be Notary of the year?

DAN: Wait for a really crappy year when everybody else really sucks.

NNA: Well, let’s first start with getting a Notary commission and learning our Notary Basics, shall we?

ROSEANNE: Is there a way I can become Notary of the year on false pretenses? I’m a good liar. I lie about my age and my sex life. Hey Dan, I’m 30 right?

DAN: Yeah, and you’re really hot too, and I’m not just talking about your flashes.

ROSEANNE: See how good I am at telling the truth about myself in a deceitful way?

NNA: You see maam, the Notary profession is based on integrity. The role of the Notary is to keep accurate records, deter fraud, and be completely honest in all transactions.

ROSEANNE: You missed your calling in life, you should have been a church lady, isn’t that special? Or a mime, that way I wouldn’t have to hear you.

NNA: Well just let us know when you are commissioned, and we’ll take it from there. Just make sure you get this all done before the end of Notary season. (hangs up.)

NNA PERSON #2: There’s no such thing as Notary season.

NNA: You have to make hunting references when you’re talking to this lady otherwise she can’t relate to anything you’re saying.

NNA PERSON #2: Okay, time for lunch. Are you up for anything gamey?

NNA: In Chatsworth, CA? Good luck!

.

You might also like:

Letter to the NNA about Notary Testing
http://blog.123notary.com/?p=19401

I am a Notary in good standing with the NNA
http://blog.123notary.com/?p=19278

Need an NNA Alternative?
http://blog.123notary.com/?p=19234

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June 14, 2018

Do you talk back to people?

Filed under: General Articles — admin @ 12:06 pm

Is it a good business practice to talk back to people? Notaries argue and talk back to me all the time. Do you do this with Title companies? I suggest that you do not talk back to influential people in this business, because they can remove you from their list or write you up as being difficult and rude.

People are relentlessly rude to me, and then accuse me of being rude. This has become a regular occurrence and is completely unfair to me. How can I be expected to treat you fairly when you treat me like garbage? I expect that if I ask a few professional questions that you will answer like a professional instead of the predictable whining and arguing.

This behavior is unacceptable and I mark people up every time they are difficult with me. It is very difficult to move up the 123notary ladder if you have been marked as obnoxious or antagonistic. I start calls being polite. After you drive me up the wall multiple times by being difficult about answering questions — that is when I lose my temper. I have to talk to over a hundred people per day and half of them are difficult in one way or another. Think about how difficult it is for me to tolerate this completely unprofessional behavior.

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June 12, 2018

They want a refund

Filed under: Ken Edelstein — admin @ 11:29 am

They Want A Refund
It’s a very routine start to the project. We agree on a time and a place. The document is sent to me via email and I am assured the affiant will be on site as scheduled with proper ID. It was a cold morning in Manhattan, wind chill about 25F, but the little Honda Civic cranked to life. Appointment was way downtown so I allocated an hour to reach the distant location. I had printed 3 sets of the document. One for the affiant to ship, one for affiant to keep, and a backup to recover from any mishap.

Arriving 15 minutes early, I take the elevator to the destination. There I am met by security that asks the purpose of my visit. Informing the guard that I am there to notarize a document for an employee, with whom I have an appointment. The response was something that truly surprised me. “We do not permit notarization on the premises”. “You will have to submit the document via registered letter to the legal department.”. Wow! I inform the guard that the notarization is for personal use by the employee and has nothing to do with their company. The guard calls legal and the edict stands!

It’s now 15 minutes past the scheduled time, and the affiant has not arrived. I call the person who gave me the assignment. I am informed that the affiant was delayed and would not be on site for “about an hour and a half”. Then the affiant calls and informs me that once “in the building, it would not be possible for us to leave and notarize at a different location”. Kind of reminds me of the old computer programming loop: Skip to Branch, Branch to Skip.

It’s now a half hour past appointment time, and the guard is telling me that I have no valid reason to remain on the premises. I know what that means; failure for me to leave puts me in position of being guilty of trespassing. Out I go, to call my “employer”. I do have another scheduled appointment and am unable to wait an additional hour, sayeth me. Can we receive a refund of the PayPal payment as you did not notarize the document – is the reply.

In a word no. I made the trip which took an hour in Manhattan morning traffic, and it will be the same for my return trip. You set the location, and assured me the affiant would be present as scheduled with proper ID. However, it is my policy to work with my clients. What I am willing to do is meet with your client, at a location close to me, anytime between 10AM and 10PM for no additional charge. I am not willing to return to this location for any reason as they do not allow me to notarize on their premises.

I put basically all of the above in an email, to document the events. Other than the affiant to be an hour and a half late, issues remain. Affiant can’t leave during working hours (odd?) and I can not return after being asked to leave. I’m also not willing to make another two hour round trip “on the house” in Manhattan traffic. All of this happened early today, it’s now at the close of business and no call to reschedule at the location near me.

There in NO option when/if I happen to be close by as affiant can’t come out and I can’t go in. I do wonder if it’s permissible to stop a Notary Public from performing requested duties in this manner. But am not willing to be arrested for trespassing and incur the expense of legal defense.

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June 9, 2018

My stolen Identity and the fraudulent notary seal…

Filed under: Carmen Towles — Tags: — admin @ 8:03 am

A couple of months back I received a call from a very nice man in Florida who was calling me to verify a notarization that I had completed. Someone was trying to obtain a business loan for a VERY large sum of money and he wanted to verify my notarization as part of the vetting process. He said he had checked the online listings of current notary publics with the California Secretary of State and could not find me. I thought how odd. I am also starting to worry. I asked him for the customers information, such as date of the notarization, name and type of notarization. He gave me the information and none of it sounded familiar to me. It was a notarization that had supposedly been done only a couple of days prior to his call. I went and retrieved my journal and looked through all my entries for the date and name that he had given me and there no such entry for his client. I am thinking, my worst nightmare had finally came true. I am officially the victim of notary fraud and identity theft. The gentlemen went on to tell me that the notarization had looked suspicious (thus the reason for his call) and I asked him, “How so?”.

For starters, he tells me, that the seal was round and not rectangular. it was also an ‘electronic seal’ and had an electronic signature (a cursive font). With some relief, I told him that here in California we don’t use ‘electronic signatures’. We have to always wet sign (meaning wet ink, pen to paper). And I let him know for the record, I don’t have or use a electronic seal. So now at this point, it is time for me to see this notarization. I asked him, if he wouldn’t mind sending over a copy. He was happy to do so.He scanned the document and sent it right over and all I can say was that I was stunned. It was exactly how he had described it. However, after closer inspection, I saw that my name on the seal was crooked and they had spelled my last name incorrectly and the commission number was not mine. However, to be sure, I checked through all my previous commissions-no match, thankfully, not even close. So, I am going to assume that they just made up a number. Also, the name they used is not the name that I use on my commission. So I am pretty sure that I had been chosen at random and that no-one that actually had used my notarial services had tried to commit fraud at my expense. Needless to say, the loan was denied.

I thanked the gentlemen for calling and thanked him for his due diilgence. I was so pleased he had taken the time and picked up the phone to make sure that this notarization was authentic. Which brings me to this-I believe that EVERY notarization that is done (especially those that move property and/or money, think POA’s, and the like) from one hand to another should be verbally checked for it authenticity. This would protect the public as well as the notaries. With the rise of fraud and stolen identities, it only makes sense.

In the end, I let the proper authorities know. I am sure it wasn’t the first time and certainly wont be the last.

And as a side note: All these companies trying to push ‘electronic notarizations’ are out of their minds! This will be fraudsters dream come true!

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June 8, 2018

The Ellen Show — Dodge the Notary Stamp Game

Filed under: Sit-Coms — Tags: — admin @ 9:09 am

ELLEN: Today we have a special treat for you. We have three Notaries who came in to tell us about their experience. And we a few surprises for them as well. Our first guest’s name is Tricia. Tricia has had some bad luck in the Notary industry, but maybe we can help. Hi Tricia.

TRICIA: Hi Ellen, you’ve always been my favorite.

ELLEN: Oh, great. Don’t tell your grandmother that.

TRICIA: And I have my coffee every day in an Ellen mug that I got at Warner Brothers.

ELLEN: Boy, what a small world, because I have my coffee every day in a mug that says Tricia. So, Tricia, tell me about your experience.

TRICIA: Well, I did close to a hundred signings for this particular signing company. They kept stringing me along and they never paid me. Boo hoo!

ELLEN: Oh no. Well, did you bill them?

TRICIA: I billed them, but there were just a bunch of excuses, and no check.

ELLEN: Oh there’s no excuse for that. Well there’s lots of excuses for that, but you know what I’m saying. Well we have a surprise for you. We have a man backstage who specializes in helping people recover late fees for services. He runs a collection agency called, “Pay me my money punk.”

TRICIA: (tears in her eyes.) Thank you. You have no idea how much this means to me (sniffle.)

ELLEN: But, we need a little something from you. Do you like to play games?

TRICIA: Everything but chutes and ladders.

ELLEN: Well our games have a few chutes, but no ladders, except for the lighting crew, and they have insurance. Anyhoo, this game is called dodge the seal.

TRICIA: Okay. So, do I start out where the “x” is in the middle of the stage.

ELLEN: Yes, but don’t expect to stay there long after you sign a body sized signature of your name otherwise you will get stamped by a twenty-five foot wide foam Notary seal and will be covered with ink. After you sign the first signature, go to the signature and do the same thing.

TRICIA: Okay. (Tricia grabs the pen which is larger than she is, signs her name. Runs to the next signature, but the seal crashes down before she can sign. Then she returns to the second signature and gets stamped and covered with black ink from head to toe.

ELLEN: Oh, I’m sorry. I guess you got stamped. Now you see how life is on the other side of the table. You can wash up backstage. But, before you go. We have another surprise for you.

TRICIA: Another surprise? I’ve had enough surprises for a month Ellen.

ELLEN: Well, this one is a check for $10,000

TRICIA: Oh my God, oh my God, I can’t believe this is happening. Thank you Ellen.

ELLEN: You’re welcome

TRICIA: Oh, and one more thing before I clean up. You should have a show called Favorite Ellen moments. I have a favorite Ellen moment from twenty or so years ago. Remember on Finding Nemo you played the whale? That is my favorite Ellen moment. “Do you speak (voice goes up four octaves) whale (very low tone) …..”

ELLEN: I do speak whale, but right now I have to go to my next contestant. Good luck to you Tricia!!!

After that Ellen interviews some other Notaries. One claimed to be on the 123notary Notary of the Year list, but Ellen pointed out that 123notary doesn’t have Notaries of the year — busted! The third Notary wanted to get more business and Ellen instructed her to get Elite Certified by 123notary. Let us know if you like the Ellen show and we can do more in the future.

.

You might also like:

Best Virtual Comedy Compilation Updated 2018
http://blog.123notary.com/?p=17693

See our string of Psych episodes
http://blog.123notary.com/?tag=psych

Animals – 20 posts about animals at signings
http://blog.123notary.com/?p=3074

Coffee — Notaries in cars getting coffee
http://blog.123notary.com/?p=18945

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