September 2018 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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September 30, 2018

The Story of Jeremy & Mitch; 123notary & eMarketingAssociates

Filed under: General Stories — admin @ 8:15 am

For those of you who don’t know, 123notary has a long history filled with twists and turns. The very early history happened when Jeremy (that’s me – owner of 123notary) had trouble with his web designers at some Chinese company in San Gabriel and needed to find someone new. So, I (Jeremy) called some other local web companies and found Mitch who ran eMarketingAssociates. Mitch had only four total people in his office including himself. They fixed up my programming on 123notary and have been helping me ever since.

1999: The day I first drove in.
I remember meeting him. This was back in 1999 or 2000. He was in his 40’s. A very handsome, kind and charismatic guy (still is.) I enjoyed talking to him. He has memories too and perhaps I should get him to share his early memories and add to this article with those memories.

I remember a talk with Mitch back in 2006 when he said that he remember the day he met me. The memory of paranoid me, driving into his parking lot with my beaten up 1984 Toyota Corolla stuck in his head forever. Of course, at the time of that conversation in 2006 I had a 2004 Toyota Corolla which looked new and nice. I was a mess in those days, and in many ways still am. It is hard to keep my life in order when I have more things to do than I can handle. Now in 2018, I still have that 2004 Toyota Corolla, but it is now somewhat beaten up and the paint is fading, and I am missing two hub caps which are soon to be replaced. Such is life. But, now I can afford a new car. I just prefer my old one.

Mitch’s Business Grew
Mitch’s office slowly grew and grew from four people to twelve. Mitch is smart and got an office in an industrial zone which is a lot cheaper than getting it in an office area. There is also a lot more parking as well. So, he kept moving his office around in the same complex as his business grew.

His Business Evolved Too
Mitch went from doing web design and web programming to focusing mainly on social media and he runs all of my campaigns. This was good for my social media, but I was never able to find programmers as good as the ones Mitch had for the rest of my career. It is ten years after the fact and I still cannot find good programming. This is partly due to a change in the market, but also due to the good people Mitch hired.

Having Fun
One day, I asked both of the programmers in 2008 to go out to dinner with me for fun. They declined, but Mitch reversed the offer and took me out. Since then, Mitch and I go out two or three times a year to fun spots in Los Angeles and surrounding areas for Thai, Chinese, American, Italian and other types of cuisine and drinks. In fact we are going for drinks at the intercontinental next week.

Good Luck
Over time, I began to think of Mitch as one of my three best good luck people. That sounds very Chinese, but I believe it. Mitch’s suggestions and things I do with Mitch regularly turn out to be very lucky in the long run. He got me doing social media, blogging, and we found some lucky feng-shui hang out spots that bring us good luck as well. I guess God punishes me sometimes, but also gives me people who point me in the right direction and my life would be ruined without those people.

Uncanny Things in Common
The strange thing is that Mitch and I have a lot of things in common that other people would not have. We both new many people from Israel when we were young. We both do business with a lot of people from India (I lived in India briefly before.) We both are entrepreneurs or small business owners. Additionally, I studied Chinese in college as my major and Mitch’s wife is from Taiwan. What a bunch of uncanny commonalities. I only have this much in common with a small bunch of others who I can count on one hand.

Summary
I am glad I met Mitch. My life would not have turned out the way it did had I not known Mitch. Of the people in my entire life, he is one of the six including parents, my piano teacher and a few others, who had a profound effect on my development and success.

You might also like:

123notary’s tutorials raise test scores by 30 points
http://blog.123notary.com/?p=20092

Most of what Jeremy & Carmen at 123notary offer all day is free
http://blog.123notary.com/?p=19359

Who is involved with 123notary behind the scenes?
http://blog.123notary.com/?p=18888

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

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September 29, 2018

Now is the Right Time to become a Notary / Signing Agent

Filed under: Ken Edelstein — admin @ 11:19 am

Now is the Right Time to become a Notary / Signing Agent

Sounds strange? You think the business is dying? Sure, at the moment things are slow. But, I forecast a booming future for the industry. There are many positive signs:

Baby Boomers Getting Out

The “old guard” of “seasoned” experts, born in the 40s are collecting Social Security or looking at the daisies from the root end. It’s time for the next generation. No doubt about it. They (and I) are “slowing down” and less willing to take on the pressure and rush aspects required to earn top fees. They disappear slowly, as their cells phones are unanswered; clients look for new solutions.

Cost of Entry is getting Lower

The tool set required by the modern Notary / Signing Agent is lower than in the past. Cell costs are very low with unlimited plans common. Sure, very fancy phones are super costly; but they are not necessary. As long as it can make and receive voice, text and email – it’s good enough. The cost of printers has fallen dramatically, HP Laserjet is still the benchmark, mine is a totally reconditioned 4350n (network “Ethernet” or WiFi) with duplexer for under $500. A separate FAX machine is unnecessary as Efax service for about ten bucks a month allows a PDF to be “sent as FAX” from any internet connected PC.

The Economy is on the Rise

I’m not going into a political discussion. But it’s hard to argue that personal wealth is not on the rise. This leads to more home ownership and other notary service needs. The “well rounded” notary; comfortable with Edocs and a variety of personal documents that require notarization will flourish. Case in point: I have noticed a great uptick in persons obtaining passports for their children for vacation purposes. Often only one parent can submit; with the notarized signature on the application of the other parent. I am getting LOTS of these lately.

Training is Readily Available

In addition to your state “rule book” many offer advanced classes and training. This was not so easy to obtain a few decades ago. Related to training is obtaining certifications as to your skill level. These “advanced degrees” draw clients to you like a magnet. A few hours a day, two or three for a couple of weeks can really advance your skill level. The big notary sites have blogs which are rich in real how to do information. Also read the “what not to do” equally important.

It’s not “Instant” Riches

Understand that your business, like any other business will grow slowly, At first it’s just some extra pocket money for a night out. Don’t quit your day job until you have a “critical mass” of repeat clients. Don’t forget to distribute your business card widely, perhaps with a cover letter about you and your services. Carry a well stocked “kit” of supplies, forms, embossers and stamps to meet any request. Your Notary Commission can and will yield the results you want; if you are willing to put the appropriate amount of effort into becoming the most skilled in your area.

You might also like:

How to become a successful mobile notary from scratch
http://blog.123notary.com/?p=13340

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

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September 25, 2018

Penalties for Notary misconduct, fraud, and failure of duty

Filed under: Notary Mistakes — Tags: , , — admin @ 11:23 am

Notaries by and large do not willfully engage in any type of illegal activity or illegal notarizations. The normal types of crimes Notaries commit are due to complete ignorance of Notary procedure, Oaths, and certificates. The only serious and purposeful crime I have ever heard of a Notary associated with us committing was one that assisted someone in fraud concerning real property — and the Notary ended up in jail. Please keep in mind that Notary law is different in every state and changes all the time as well. Penalties and fines for Notary misconduct are different in each state, California being the most stringent.

Negligent vs. Willful Misconduct

In California, the penalties are much more severe for Notaries who have engaged in willful misconduct rather than just making a careless mistake or omission.

Failure to keep your seal & journal under lock and key.
In California this is very serious and is a crime. You can keep your Notary equipment in a bag with a small lock that locks the zippers together. If you are the only one with access to your car, then the trunk of your car could work as well.

Unauthorized Practice of Law
The definition of UPL differs from state to state. However, offering opinions on legal matters or offering to draft legal documents might constitute UPL. For a professional opinion — ask an Attorney!

Asking a notary to do an improper notarization.
This is a misdemeanor in California. If it involves real property, then it is much more serious. Clients might ask you to notarize their signature using a different name variation that is not documented on their identification, or put a false date. This is illegal. They would guilty for asking you to do this, and you would be guilty if you give in to their pressure. If you have driven forty minutes to a signing job, in a sense you have a beneficial interest in notarizing their document unless you have gotten your travel fee up front when you walk in the door. So, to be prudent and avoid this issue, you MUST get your travel fee BEFORE you see the document, or are informed who the signers are, or see their ID, because a conflict of interest can easily happen. If someone asks you to do something illegal, you can threaten to report them to the Secretary of State’s office. This is a serious crime and you should treat it as such.

Issuing a false certificate
A notary who signs and seals false certificates, and this could include backdated certificates would be guilty of a misdemeanor. A false Acknowledgment certificate constitutes FORGERY. Additionally, the notary public could have their commission revoked if found guilty of this crime, with an additional fine of $1500 per incident in California (fines change over time so look this up in the statues).

Failure to Identify a Credible Witness
A fine of $10,000 per incident could occur if a notary fails to check a credible witness’s identification documents and see that they have acceptable identification.

Failure to get a thumbprint!!!
This is my favorite. Thumbprints are critical for identifying a signer if fraud is suspected. Powers of Attorney and Deeds require a journal thumbprint in California. A fine of up to $2500 per incident would be the penalty. Most other states do not require thumbprints, and Texas and Florida actually recommend against thumbprinting as those states do not trust Notaries with biometric data which is the only foolproof way to identify a signer. How ironic!

Failure to administer an Oath
A fine of $750 per incident could be incurred, not to mention revocation, or suspension of a notary commission, or refusal to grant a commission. I heard that some Notaries in Oklahoma had to go to court for a loan document signing in question. The Judge found out that the Notaries had not administered Oaths on the Affidavits in the loan package. I heard that the Judge overturned the loan and had the Notaries commissions permanently revoked by their state.

Felony Convictions
If you have a felony conviction or have been convicted of a crime involving dishonesty or moral turpitude, you will most likely not be allowed to get a notary commission in the first place. If you already had a notary commission, it would be suspended or revoked the minute your state’s ntoary division finds out about it!

Professional Misconduct
This refers to dishonesty in your professional activities. The penalty would once again be suspension, revocation, or refusal to grant a notary commission.

Failure of Duty
This means that you refuse to serve a member of the public who has a legitimate request for a notarization. However, if the signer doesn’t have proper identification, or doesn’t have a properly filled out document, or seems very questionable, you have the right to refuse service to such a client. The penalty would be refusal to grant a notary commission, suspension, or revocation of a notary commission. Additionally a fine of $750 could be imposed on the California notary public.

Falsely Acting as a Notary
This is a misdemeanor. Borrowing someone’s Notary seal and doing Notary work is a serious crime. If you are a Notary, keep your seal and journal locked up.

Making false statements to a notary
Anyone who induces a notary to make an improper notarization with regards to real property can be found guilty of a FELONY. This is the most serious type of fraud possible in the notary profession.

False or misleading notary advertising
Making false statements in notary advertising is illegal, and the penalty for a California Notary is $1500 per incident. Additionally, such a notary’s commission could be suspended, revoked, terminated, or there could be a refusal to issue a commission. Claiming to be an immigration expert, or be able to give legal advice could be a serious example of false advertising and perhaps unauthorized practice of law.

Selling personal information
It is illegal for the notary sells or misuses personal information of those he/she has notarized. Remember to keep your journals locked up, so that nobody can have access to that information. When making copies of journal entries, make sure that the neighboring journal entries are covered, so that their information is not shared with the public. Once again, your application could be denied, or your commission could be revoked or suspended for this type of crime.

Misstatements on a notary application (Application misstatement)
Your notary commission could be suspended, revoked, or refused if you are guilty of this misconduct

Here are some other crimes… I will just list them here, but may or may not describe the penalties.

Failure to deliver a journal to the county clerk at the end of your commission. – misdemeanor
Failure to safeguard seal and journal – revoke/suspend/refuse
Failure to report a lost or damaged seal – $1500 fine
Nonpayment of judgement / Refusal to pay child support – refusal to issue a commission
Failure to keep a journal – such notaries will be prosecuted

There are a few others laws that I am not going to mention, but these were the interesting ones…

You might also like:

A Notary loses $4000 in legal fees because someone changed a name on a certificate

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

All you need to know about notary work

All you need to know about notary work

How to complain about a notary public

How to complain about a notary public

Notary Fines and Penalties

Notary Fines & Notary Penalties (gulp)

Fraud and Forgery in the Notary Profession

Fraud & Forgery related to the notary profession

Notary Public General Information

Notary Public Information

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September 24, 2018

Who does what in an Acknowledgment?

Notary Acknowledgments

What baffles me is that virtually none of our Notaries on our site can adequately describe any Notary act without Carmen or myself teaching them one by one. I cannot teach everyone by hand and I do not get paid for that either. So, here is my dissertation on how Acknowledgment procedure is typically misinterpreted by Notaries which can lead to legal issues.

QUESTION — What is an Acknowledgment?

WRONG ANSWERS
1. The signer verifies that the document is correct
2. The Notary verifies that the document is correct
3. The Notary must witness the document being signed (only a few states require this)
4. The Notary acknowledges that the signer signed
5. “You” acknowledge the signature — who is “you?” Is it the Notary or the signer? Ambiguous and therefore not correct.
6. The signer must swear to the truthfulness of th document. (you must be thinking of a Jurat.

NOTE
Some states such as Massachusetts have laws regarding signing under duress and require the signer to state, claim or swear (not sure which) that they signed a notarized document on their own free will. I do not know state Notary laws and you have to be responsible for knowing the laws of the state(s) you are commissioned in. Please do not confuse swearing that you signed a document on your own free will with swearing to the truthfulness of the document, because one of those two Oaths does not constitute or substitute the other as they are two separate and unique practices.

RIGHT ANSWER
An Acknowledgment is a Notary act where a signer appears before a Notary Public, and acknowledges (sometimes nonverbally which is convoluted but true) that they signed a particular instrument (document) by virtue of the fact that they say, “please notarize this.” The Notary then identifies the signer normally by virtue of a current government photo ID, credible witnesses, or sometimes personal knowledge. The Notary does NOT verify if the document is correct. The Notary checks to make sure the signature on the document matches the signature in the ID and Notary journal. All three should match. The Notary then certifies that the signer appear before him/her, was positively identified, and that the signer Acknowledged signing the document. The Notary does not acknowledge or verify anything other than the fact that the signature matches their ID and the Notary journal (common misconception). The verb for the action of the Notary could be construed as “certifying” by virtue of the fact that the Notary’s job is to fill out an Acknowledgment “certificate” form for the Notary act.

1. The signer APPEARS before the Notary.
2. The signer ACKNOWLEDGES having signed a document (past tense, does not have to sign before the Notary.)
3. The Notary checks the signer’s IDENTIFICATION, or uses credible witnesses, or personal knowledge depending on state laws where you are.
4. The Notary has the signer sign a JOURNAL ENTRY. Not all states require a journal but you should keep on for legal reasons.
5. The Notary COMPARES the signature on the document, journal and ID for consistency.
6. The Notary fills out an Acknowledgment Certificate certifying that:
(a) The signer personally appeared
(b) Was proven to be the person named in the document
(c) The signer acknowledged having signed the document.

Once again, the signer does not verify the document is true. The signer does not verify signing the document, they ACKNOWLEDGE having signed the document. The document (in most states) can be signed prior to appearing before the Notary. The Notary does not verify the document is true.

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You might also like:

The new acknowledgment form for transgender people
http://blog.123notary.com/?p=19658

Notary Acknowledgment Wording
http://blog.123notary.com/?p=18858

Notary Public 101’s guide to Notary Acts
http://blog.123notary.com/?p=19500

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September 23, 2018

Index of Notary Courses & Educational Articles

Here are some of our most popular courses and educational articles

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The 123notary Elite Certification Study Guide
Everything you need to know to pass the elite test, once you have passed the regular 123notary certification test
http://blog.123notary.com/?p=20118

2018 Certification Standards
Everythign you need to know to pass our certification test
http://blog.123notary.com/?p=20120

Notary Public 101
A guide to general best practices for Notaries Public.
http://blog.123notary.com/?p=19493

The 30 point course
A guide to being a loan signing agent from A to Z
http://blog.123notary.com/?p=14233

Notary Marketing 102
A complete guide to marketing your mobile notary and signing agent business.
http://blog.123notary.com/?p=19774

Best blog articles for advanced Notaries
http://blog.123notary.com/?p=14736

Signing Agent Best Practices: 63 Points
http://blog.123notary.com/?p=4315

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September 22, 2018

Compilation of Stories on the blog categorized.

Filed under: Compilations,Stories — Tags: — admin @ 8:19 am

Here is a more organized way to reference Notary Stories.

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TOP
Notary airport
http://blog.123notary.com/?p=17062

Racial issues at a signing
http://blog.123notary.com/?p=19220

I’d rather stop being a notary than carry a gun
http://blog.123notary.com/?p=15896

The Notary union raises it’s rates and alienates notaries!
http://blog.123notary.com/?p=19648

Notary STARBUCKS – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Carlette’s Signing Story
http://blog.123notary.com/?p=19020

The sexting notary
http://blog.123notary.com/?p=19727

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

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DRAMA

Why Notaries don’t last
http://blog.123notary.com/?p=4087

Notarizing for an adoption
http://blog.123notary.com/?p=3267

Artificially inflated rates at a signing
http://blog.123notary.com/?p=16128

We are a notary directory and therefore should not discuss certain topics
http://blog.123notary.com/?p=20073

The signer who passed out and slid under the table
http://blog.123notary.com/?p=15810

Two guys with the same name; One cashed the other guy’s check!
http://blog.123notary.com/?p=16102

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CRIME & DANGER (physical or financial)

Murder in a building a week before the signing
http://blog.123notary.com/?p=19272

Notarizing a kidnapper
http://blog.123notary.com/?p=676

One of our notaries helped put three dangerous felons away!
http://blog.123notary.com/?p=19471

Reverse Blackmail at a notary signing
http://blog.123notary.com/?p=7071

Stealing a business name
http://blog.123notary.com/?p=2660

The Notary Police
http://blog.123notary.com/?p=19702

We caught some frauds who stole credit info at a hotel
http://blog.123notary.com/?p=20090

Have you ever been tempted not to go into a borrower’s house?
http://blog.123notary.com/?p=15369

The Notary, The Mafia & The Fedex Drop Box
http://blog.123notary.com/?p=6867

A Notary gets sued and E&O won’t help out!
http://blog.123notary.com/?p=2910

Notary in Louisiana murdered in home invasion
http://blog.123notary.com/?p=925

Compilation of mafia related posts
http://blog.123notary.com/?p=20352

Two Notaries with the same name
http://blog.123notary.com/?p=19100

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GENERAL STORIES

The Notary union raises it’s rates and alienates notaries!
http://blog.123notary.com/?p=19648

Notary STARBUCKS – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

Carlette’s Signing Story
http://blog.123notary.com/?p=19020

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

A notary complains about the instructions
http://blog.123notary.com/?p=19733

The stolen loan package
http://blog.123notary.com/?p=15395

Demographics in the notary business
http://blog.123notary.com/?p=15359

A Notary finds a document notarized by Jeremy in 2001
http://blog.123notary.com/?p=19338

Why you don’t want to be a notary in NW New Mexico
http://blog.123notary.com/?p=18972

Notary university
http://blog.123notary.com/?p=17039

Notary Jury Duty
http://blog.123notary.com/?p=15838

Don’t ask don’t tell
http://blog.123notary.com/?p=17037

The notary corporation
http://blog.123notary.com/?p=17032

If you can notarize here, you can notarize anywhere!
http://blog.123notary.com/?p=16998

Here is how your home will be drained of its equity
http://blog.123notary.com/?p=18924

I’ve been doing this 20 years
http://blog.123notary.com/?p=19910

How Piano lessons changed my life
http://blog.123notary.com/?p=19891

I have a dream
http://blog.123notary.com/?p=19207

The Notary Model
http://blog.123notary.com/?p=19286

The Frustrating 4 hour signing
http://blog.123notary.com/?p=15760

Welcome to the notary casino
http://blog.123notary.com/?p=15255

Notarizing a tax preparer
http://blog.123notary.com/?p=15014

I was forced to forge my own signature in India
http://blog.123notary.com/?p=20036

A Notary was in court due to a suspicious marriage
http://blog.123notary.com/?p=20034

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123NOTARY

My best 100 days and Carmen’s worst
http://blog.123notary.com/?p=20030

All about 123notary

All About 123notary

2016 timeline – a year in review

2016 Notary Timeline – a year in review

Jeremy’s bucket list

Jeremy’s bucket list

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September 21, 2018

What traits do escrow officers look for in Notaries?

Filed under: General Articles — Tags: — admin @ 11:34 am

Here are some things that Escrow officers look for in Notaries.

1. Document knowledge.
You should know your documents inside out and know where to find the rate, prepayment penalty information, 1st payment info, APR, how to date and initial the RTC, etc.

2. Form Filling
Many loans have forms to fill out. The borrower will do the actual filling out, but the Notary needs to know how to assist in this process if you want to get hired again.

3. Personal Knowledge
Many Escrow Officers prefer to hire a Notary who is personally known (rather than proven on the basis of satisfactory evidence) to them rather than hire a signing agency who hires strangers. For jobs that are far away from the Escrow office, they might be more willing to hire signing services.

4. Personable
Are you the type of person who can interact nicely with others? Or are you difficult to communicate with, rude, complain a lot, or avoid people?

5. Available
If you are not available, or are not reachable by phone that is a problem. Then there are others who answer the phone and refuse to talk who are also not doing well in terms of availability.

6. Back to Back signings
If a signer is willing and able to do one signing after another, that is a selling feature for escrow.

7. What about certification?
Certification is only as valuable as the knowledge that goes with it. Escrow officers want knowledge and reliability, not claims of knowledge and reliability. Elite 123notary Certification is popular with title & escrow. But, very few Notaries bother trying to get it.

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You might also like:

If you work for title companies directly, what do they want?
http://blog.123notary.com/?p=16110

Why you should consider getting 123notary Elite Certified
http://blog.123notary.com/?p=20094

Elite certification will benefit you the rest of your life
http://blog.123notary.com/?p=20770

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September 20, 2018

How much business do you get these days?

Filed under: Marketing Articles — admin @ 10:19 am

Back in 2004, business was booming. Then, in 2008-2011 it slowed down. 2012 was another boom year. Then it has been very slow ever since with refinances being so far and few.

But, how is business these days? What I really want to know is:

1. If you are 123notary certified, how many new clients or jobs do you get per month from 123notary?
2. If you are not 123notary certified, how many new clients or jobs do you get per month?

I realize now after nine months of cleaning up my certification and doing quality control on my site that the industry only values quality control a little bit. But, Google values my blog a lot a bit. So, I need to spend more time blogging and less on quality control it looks like. Or perhaps I should say that more time doing blogity control makes more sense. I enjoy blogging so maybe that is a good idea.

But, let’s be positive. Interest rates go up and down, so if they go down next year, we might all gets tons more business. Also, laws and practices change, so perhaps Notaries will be needed for many more types of signings unrelated to loans!

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You might also like:

Notaries just get worse and worse
http://blog.123notary.com/?p=19712

Following directions is more important than you think
http://blog.123notary.com/?p=19608

Winging it as a Notary
http://blog.123notary.com/?p=19644

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September 19, 2018

123notary’s quiz questions routinely accused of being state specific

Filed under: Technical & Legal — Tags: — admin @ 11:03 am

The people who accuse us of having state specific questions are never specific about which questions are state specific. Such ambiguity over specifics. We change our questions over time and questions are now based on Notary Public 101, and not a particular state. We don’t even cater to California rules when we are in California. We test on good practicies, NOT state specific practices. It is up to you to know your state rules and I’m sure you do … (or not).

Here are some questions that might seem state specifics.

1. Proof of Execution — state specific
This act is done in about 45 states which is almost all. However, Notaries never do this act in real life. I don’t even know which states don’t have it. Some call it a verification upon proof or some other similar name. I ask this question not because of its practicality but to see if you even read my materials before the quiz. I think it is a waste of everyone’s time to quiz when you didn’t study.

2. John Smith — NOT state specific
We ask this question about good old John as a prudency question and not a legal question. Is it prudent under the circumstances to notarize the signature John W Smith on a document when the ID says John Smith.Most Notaries cannot give a straight answer — they change the circumstances to asking the signer for another ID. That makes it a completely different question. Whether your state requires an exact name match or not, it is still NOT PRUDENT if you can’t a prove a person’s identity. That is the whole reason for having notaries in the first place.

3. Fixing Notary Certificates — state specific
This one is very important and definitely state specific. We ask a question that California Notaries are not allowed to do simply because the folks in the other states still need to be tested on this. How do you fix a wrong county on a certificate? In California you have to use a clean new form or redo the notarization. In other states you can cross out and initial, but don’t have the borrower initial a notary form. This is critical information here. Maryland does not allow the use of loose certificates, and Oregon does not allow the Notary to make any changes to certificates or even add new ones as that might be considered UPL the way they see it in the drizzly state. Food for thought.

4. FBI Thumbprint Question — NOT state specific
If the FBI shows up on your doorstep investigating a notarization you did involving a fake ID, your fake info in your journal won’t cut it even if your state doesn’t require or permit thumbprints. The FBI is federal and has some bad guys to catch. They want a thumbprint whether your state allows you to have it or not. This is a Federal specific question as the FBI is federal and doesn’t care about your petty state rules. This question is NOT state specific because it does not ask what your state wants or allows or permits.

5. Journals – sounds state specific, but not the way we ask it.
Many states don’t require a journal, so my journal questions are not based on state rules, but on the rules of prudency which are universal. Your journal is your only evidence in court of what happened at a notarization. Not keeping one is like not wearing a seat belt on the freeway. Eventually something will happen and there will be injuries. This is a good practices question and once again NOT state specific.

6. Oaths & Affirmations – not state specific, but…
Oaths & Affirmations Universal — like God himself. But, the 2018 California Notary manual no longer has a set fee if you do these as separate acts not connected to a deposition or jurat. Hmm. So, you can do these acts in California, but what would you charge?

If you have been asked any other annoying questions by us which you feel are state specific, please mention them in the comments section clearly and please be to the point without any tangents so that the readers can get to the point. And once again, none of our questions are based on California practices, but are based on best practices (which often overlap with what California practices are — but not always.)

You might also like:

Notary quiz of the day
http://blog.123notary.com/?p=21266

Fixing certificates is a state specific nightmarish scenario
http://blog.123notary.com/?p=21083

Thanks

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September 18, 2018

New Signing Companies Aug 2018

Filed under: New Signing Companies — admin @ 11:04 am

We did not add new signing companies for a long time. But, here are a few from our forum.

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Alamo Home Finance
http://www.123notary.com/signco-idv.asp?sid=1256&Alamo+Home+Finance

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Alaska Community Credit
http://www.123notary.com/signco-idv.asp?sid=1260&Alaska+Community+Credit

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Accountable Agents
http://www.123notary.com/signco-idv.asp?sid=1258&Accountable+Agents

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Capital Closers
http://www.123notary.com/signco-idv.asp?sid=1274&Capital+Closers

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Designated Title
http://www.123notary.com/signco-idv.asp?sid=1257&Designated+Title

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First Source Title
http://www.123notary.com/signco-idv.asp?sid=1265&First+Source+Title+Agency

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JB Holdings
http://www.123notary.com/signco-idv.asp?sid=1275&JB+Holdings

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Mobile Signing Services, LLC
http://www.123notary.com/signco-idv.asp?sid=1277&Mobile+Signing+Services%2C+LLC

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National Debt Direct
http://www.123notary.com/signco-idv.asp?sid=1118&Nationwide+Debt+Direct%2C+LLC

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Nationwide Notary Signers
http://www.123notary.com/signco-idv.asp?sid=1259&Nationwide+Notary+Signers

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Network Transaction Solutions
http://www.123notary.com/signco-idv.asp?sid=1263&Network+Transaction+Solutions

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Rapid Legal Sign
http://www.123notary.com/signco-idv.asp?sid=1276&Rapid+Legal+Sign

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Redwood Mortgage
http://www.123notary.com/signco-idv.asp?sid=1268&Redwood+Mortgage

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RENS Solutions, LLC
http://www.123notary.com/signco-idv.asp?sid=1262&RENS+Solutions%2C+LLC

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Satellite Signing Service
http://www.123notary.com/signco-idv.asp?sid=1269&Satellite+Signing+Service

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Signing Agent ASAP
www.123notary.com/signco-idv.asp?sid=1261&Signing+Agent+ASAP

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Square One Resolutions
http://www.123notary.com/signco-idv.asp?sid=1270&Square+One+Resolutions

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US Certified Signers
http://www.123notary.com/signco-idv.asp?sid=1266&US+Certified+Signers

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We Go Look
http://www.123notary.com/signco-idv.asp?sid=1273&We+Go+Look+%28inspections+only%29

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Xpress Title Services
http://www.123notary.com/signco-idv.asp?sid=1272&XPress+Title+Services

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You might also like:

Good signing companies – a thorough list
http://blog.123notary.com/?p=21091

Inappropriate phone behavior
http://blog.123notary.com/?p=20104

Comments I liked on the blog August 2018
http://blog.123notary.com/?p=21060

Elite certification will benefit you for the rest of your life
http://blog.123notary.com/?p=20770

Opinions about Snapdocs on the blog & forum
http://blog.123notary.com/?p=21299

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