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

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

June 30, 2018

What does it mean to be Fidelity Approved?

Filed under: Marketing Articles — admin @ 9:42 am

I talked to a bunch of Notaries who were Fidelity Approved. Most of them were a lot better than average in terms of knowledge, but not all. Apparently, Fidelity scrutinizes them in particular ways, and asks a few questions, but not that many of the questions are Notary questions. I would like to know what their screening system is.

My recommendations are that if they have any individual company type of requirements, that makes sense. But, there should also be requirements based on general notary and document knowledge, otherwise that is a risk to all parties involved. Can someone fill in the blanks for me about what their requirements are?

Share
>

June 29, 2018

Shark Tank — Notary Traffic Freezer for Notaries

Filed under: Sit-Coms — Tags: — admin @ 9:14 am

ANNOUNCER: Next into the tank is a way to make traveling a breeze.

ALICE: Hi Sharks, my name is Alice and I’m seeking one million dollars for 5% of my company.

ROBERT: Woah!

ALICE: How many times in traffic and thought, this isn’t a way to spend our precious time on earth! What if I could adjust the traffic around me and get to where I need to be! Well sharks, now you can. With Notary Traffic Freezer, you can get traffic to stop around you, and get traffic lights to always turn green when they sense you coming. You would have to get around on a motorbike so you could weave in and out of the stopped cars. It’s a little bit like being in an ambulance assuming people are obedient and pull over and stop.

Mr. WONDERFUL: That’s interesting, but right now in the Notary industry, Notary jobs are frozen and nobody’s getting paid on time. Maybe you should have a signing company check unfreezer, so the checks start coming in on time. Your product isn’t going to do any good until people start getting some jobs.

ALICE: Well, the economy could turn around any minute. And notaries who are seasoned pros, don’t have any trouble getting work.

ROBERT: I have trouble getting to work, can non-Notaries use this too?

LAURI: Isn’t that illegal to use space age technology to freeze the actions of people around you? It sounds like something aliens in space ships would do.

ALICE: That’s exactly where we got the technology from. They sold it to us in exchange for liking them on gallactic Facebook. I guess they are so advanced that they think this type of technology is cheap.

Mr. WONDERFUL: I think that you’re going to get arrested. But, other than that I like the idea. I’m out for legal reasons.

LAURI: I’m out too.

ROBERT: I’m out as well, but can you take me to your leader?

ALICE: I would, but Trump doesn’t like aliens. But, don’t worry, my alien friends are talking about returning in 314 earth years, so they’ll be back. And besides, if the cops come to arrest you, you can just freeze them and run away.

LAURI: That’s a very good point, but I’m still out, unless you’re going to beam me up.

ALICE: We are also working on a time machine where you can get to any GPS coordinate in real time or another time without freezing anyone.

LAURI: Well that fits into my schedule. Just set the coordinates to ten minutes ago, and I’ll get paid well if I’m getting paid by the hour. I like it. Let me know when (no pun intended with the when remark) you have your time machine ready.

ALICE: Okay, It’ll be ready yesterday! I’ll have to contact Zorbon about that though. I’m not sure if he’s as flexible about sharing his time technology, at least not this time.

.

You might also like:

Shark Tank – 123notary wants to sell 10% of its shares!
http://blog.123notary.com/?p=16021

Driving – Notary Ed similar to Driver’s Education
http://blog.123notary.com/?p=19132

Shark Tank — Self Driving Notary and other posts (popular string)
http://blog.123notary.com/?tag=shark-tank

The Towles Booth
http://blog.123notary.com/?p=9456

Share
>

June 28, 2018

The day I sold Carmen’s spot

Filed under: General Stories — admin @ 9:41 am

This all happened around 2004. Carmen and I did not communicate as effectively together in those days. Carmen was given a top spot back then as a gift, but she did not see the value in it in those days. I asked if she wanted to get a formal upgrade and pay for the spot. She didn’t care then, and the key word is then. After that, there was this other lady in Los Angeles who was a Realtor and Notary. I think she is still with us although she dropped out for a few years. The Realtor Notary lady paid for the spot.

So, Carmen noticed that she wasn’t getting as many calls and complained to me about what had happened. Carmen got very angry I remember. I am not sure whose fault it was as our communication was not in writing. I think Carmen’s words are that it doesn’t matter if she is in the top spot. But, after losing the top spot, she started whistling a different tune. I am not sure if I waited for that other lady’s top spot to expire or if I bribed her to give it up. I can’t just take a legitimate Notary out of a spot you know — that is a violation of my terms and conditions. So, the minute I could legitimately get the other lady out of the spot which was a year or more after Carmen complained, I gave Carmen her spot back.

Carmen got so much business from her top spot that she became really good at selling top spots to other people. Carmen has been working with me since 2003 by the way. That was the year I got really busy with 123notary. The 123notary of today is very much formed because of that little communication mistake that happened back in 2004 or 2005, I forgot the exact year. Carmen has been the best top spot salesperson ever since. And I owe it all to a mistake.

.

You might also like:

How does pricing work for top placements on 123notary?
http://blog.123notary.com/?p=19355

The Notary Union raises its rates and alienates its Notaries!
http://blog.123notary.com/?p=19648

What is your favorite Notary password?
http://blog.123notary.com/?p=19224

Mistakes Notaries make with title companies
http://blog.123notary.com/?p=4412

Share
>

June 27, 2018

123notary back in 2005; I gave all my customers to Carmen;

Filed under: General Stories — admin @ 9:40 am

I remember that in 2005 I stopped having time to be a notary anymore My commission expired in December of 2005 if I remember correctly. But, I stopped having much time to do Notary work back in 2003 when I got really busy. I still kept some of my clients, but stopped doing most of the loan signings. In any case, I had to refer my favorite clients to someone. So, I gave them to Carmen, but they couldn’t afford her because Carmen is expensive.

The thing you have to realize as a Notary is that availability is a commodity. Skill is another. If you are available and can do work when and where the client needs, they might pay you a lot more than you think. They just want to get the job done, and money is sometimes not an issue. Notaries typically focus on the people who think that money is an issue. But, you cannot make good money dealing with cheapskates. Focus on the people who think that getting what they want when they want it is an issue and sell them quality work at a high price. That is the secret to success.

The other secret to success is knowing what you are doing. This is why we have Notary Public 101, Notary Marketing 102, and the 30 Point Course for loan signing all free on our blog. Who else gives you this much for free other than God?

Share
>

June 26, 2018

Which rules are laws, Lender practices, or best practices?

Notary Rules

or Industry Rules?
It is confusing with all the standards in the Notary business.. When 123notary teaches Notary practices, we are not teaching laws, but solid practices. Many Notaries argue with us about our practices because they are not required by law. That is the whole point — we are not teaching law because we are not authorized to, and because we don’t know it. We do know solid notary practices, and teach it as you can get into trouble for not knowing your basics. However, notaries have many misconceptions about the rules of the industry. So, let me clarify.

1. You can always over sign — industry practice (not a law)
Is this a Notary law, industry practice, or what? This statement means that you can sign a document with a name that is longer than the name typed in the signature line. However, that does not make it legal to notarize that longer name unless you can prove the name with an ID. Pleasing the Lender is one aspect of being a Notary. Obeying the law is a much more important one. If you displease the Lender you get fired. If you get in trouble with the law you can end up in jail. Pick your poison.

2. The name on the ID has to match
Please keep in mind that there are four names we have to keep track of:
(a) The name on the ID
(b) The name typed on the signature section of the document.
(c) The name signed on the document
(d) The name on the acknowledgment.

In theory these names could all be different variations, but it is cleaner if they are identical. The critical points are that:

(e) The name on the Acknowledgment must be identical or matching but shorter than the name on the signature line of the document. If the signature on the document says John W Smith, you can put John Smith or John W Smith in the Acknowledgment to please the law, but the shorter name might not please the client.
(f) The name on the Acknowledgment must be provable based on the name on the ID, but does not have to be an exact match. The ID could say John W Smith and you can put John Smith in the Acknowledgment if you like.
(g) The name signed on the document can be identical or matching but longer than the name typed on the document to please most Lenders, but legally notarizing the longer signature or shorter signature is dependent on proving all of the components of their name with an ID.

3. The Lender is the boss of the Notary Public (true for signings, but not for the actual notary work)
The Lender is your boss as to the general assignment, and what happens with loan documents. They are NOT your boss about Notary issues and you should not ask them for Notary advice ever as they might have you do something illegal out of ignorance or greed. You ask your state’s notary division if you have a Notary question and perhaps the NNA hotline and that’s it. The Notary can ask the Lender their preference in how something is notarized if there is more than one legal way to do it, but you can not ask a Lender how to do your job. You are the appointed Notary, not them. If they want to do it their way, they should come over with their stamp and do it their way which hopefully is legal — but, it is their commission at stake if it is not legal. Don’t risk your commission depending on the Lender or Title for Notary advice.

4. The Notary is the boss of the Lender?
The Notary is a state appointed official who represents their state, although the state is not the entity that pays them. If there is a discussion between the Lender and the Notary as to how a Notary act is done, the Notary dictates how it should be done. If there are multiple legal ways to do something such as fixing a mistake by crossing out and initialing vs. attaching a loose certificate — then, the Notary can ask for the Lender’s preference, but not for advice. However, there are liability issues with doing cross outs and initialing. It looks like tampering and you don’t want to end up in court. So, once again, it is the Notary’s discretion as to how problems are solved when there are multiple methods to solve. You can ask the Lender what they like or you can dictate to the Lender what you are going to do. But, the Notary is the boss of Notary work. If they don’t like it, they can find another Notary. It is best if you explain the reasons why you want to do something a particular way. If your reason sounds prudent, there is a chance you might get some respect for your decision. Most Notaries don’t think issues out carefully and do not have well thought out reasons for anything they do. Read our course more and become reasonable! Your commission might depend on it.

5. Send me a loose certificate or jurat in the mail (illegal)
Acknowledgment or Jurat certificates must be stapled to the documents they are associated with. If there is one floating around, you cannot create another one until you destroy the original yourself. Some states do not allow creating new certificates for botched notarizations and require you to do the notarization all over again. Consult your notary handbook on this issue, especially in California where there are many new rules created in the last few years that I have heard about but not actually read to my satisfaction.

.

You might also like:

The ID says John Smith
http://blog.123notary.com/?p=19953

What is the cleanest way to rectify an error on a certificate?
http://blog.123notary.com/?p=20018

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

Share
>

June 25, 2018

A political party that represents me

Filed under: General Stories — admin @ 9:30 am

I dream of a political party that represents me. The Republicans are typically horrible for the environment, spend more on military, but want to spend less on everything else. The Democrats are slightly better for the environment, but don’t spend that much less on the military, but want to give lots and lots to people who refuse to work. Hmm. It looks like we have one party under two names with some small diversions in policy. Here is what I want from a political party.

1. Smaller military budget
I think that the USA does need a large military, and our safety is defined by how we control the rest of the world to an extent. There are some very dangerous people out there who will create havoc if not controlled. But, we spend too much on military and it becomes a tax burden.

2. Limited government health care
I do not generally like socialism, but life would be easier if instead of this Obamacare nonsense, there would be a better system. The singaporeans have a system where you pay into a bank account to cover future medical expenses and have preventive maintenance. That makes sense to me. But, if the government would cover two doctor visits per year, several hundred a year in medications and a percentage of scans and major surgery, that would really make our lives easier. That way we are not dependent on our bosses or jobs for medical care and don’t have to purchase a plan. We could purchase extra coverage if we wanted it, but the basics would be paid for at least.

3. A green policy
I would like a lot of the USA’s energy to come from solar, tidal, and wind power. We have plenty of sun in the Western states that could generate a majority of our energy with fields of solar panels. I don’t care if it is more expensive than oil is now, we need to have clean and sustainable energy and the government should require this for reasons of prudency. Wind power can be effective in many states with wind on the East coast, West coast and particularly Wyoming. And then tital power would require building infrastructure in the ocean which might look ugly, but is a great way to create endless power without toxins. Fossil fuels undermine ground water quality, and cause pollution that can cause cancer. it is better to live in harmony with the planet.

4. Notary policy
The government should have rules that make Notaries know what they are doing nationwide, but offer free or low cost training so that 123notary doesn’t lose all its members.

5. A haven for career criminals
For drug addicts, gang members and career criminals, it is too expensive to have the tax payers pay for their living. They should have their own territory where they figure it out on their own (behind a wall.) They can pay for their own living. In the natural world, people like this would not survive to begin with because a tiger would eat them (or a lion.)

6. Road taxes
Tax for what you use, rather than penalize people for how much they make. If you monopolize the highways causing traffic — pay for it. Singapore has rules like this and the result is that there is no traffic during rush hour because you pay extra to use the roads during rush hour. They also have lots of trees to eat up the pollution.

7,. Jobs for felons, incompetents and drug addicts
It is hard for the unemployable to get jobs. So, why not have cities or areas where every job is designed for people who nobody else wants to hire. This will get America working. Also, jobs for people with physical disabilities is another issue. If all capable people in America would work, we would all need to pay less in tax, and have more wealth. Instead we have people taking money from the government, pill popping prescription medicine and all sorts of other self-destructive and nation-destructive behavior.

8. A health food policy
Selling foods that cause Americans to be unhealthy is like selling poison. It needs to be discouraged, controlled or banned. French fries do horrors to your liver, yet it is the most common food. High fructose corn syrup is another silent killer. Why not just drink pure fruit juice which is good for you anyway? Genetically modified white bread is also bad. If all stores could have healthy foods bombarding the front of the store and make you go to a specific aisle marked “unhealthy foods,” then people might really start thinking clearly about what goes into their body.

9. Traffic and walking
Most humans prefer walking around in structured yet open places. Traffic is a nightmare and roads need to be refined to accommodate traffic. It makes sense to have routes for walking, biking and traffic separated from each other. Also, entrances to major parking lots as pedestrians have to walk down the side walk being bombarded with cars making right turns. This all needs to be reconstructed to make it safer and more enjoyable for all parties.

10. Immigration
We need to focus on inviting people to America who we like rather than focusing on removing those who we don’t like. If more people come who we do like, there will be less room for those we don’t. America needs to have an honest discussion of who we like and why and how many. That way we can decide on immigration as a group rather than having parties battling each other and mud slinging.

Share
>

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.

Share
>

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!

Share
>

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.

Share
>

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.

Share
>
Older Posts »