October 2018 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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October 31, 2018

Jeremy’s visit to hell

Filed under: General Stories — admin @ 8:08 am

I asked my guru if I could see heaven.
He said that a person’s spiritual condition dictates whether or not they can be let into heaven. After 25 years of meditation, that is not enough. So, for the rest of you who do not engage in regular tything and devoted prayer multiple times a day, heaven is definitely out of the question. But, you will likely end up in Notary Purgatory where your commission will never expire. I wanted to see the mansions, the halls of records, or at least something that looks like heaven. Sylvia Brown and Jesus hyped the place up and got me all curious. Hmm.

Is there Starbucks in heaven?
If I could live in heaven I would want a mansion to share with some nice people in a huge network of gardens where I could get my divine Starbucks without getting in a car. I would want lots of hiking and things to do. My last request for heaven would be Notaries who administer Oaths, and administer them correctly. However, in heaven, people are honest which defeats the whole purpose of having Notaries in the first place. Hmm once again.

The evil spirits
An angel named Michael recruited me and taught me how to fight evil spirits. Every time I go to Arizona, the evil spirits harass me and do damage to my psychological state, my nervous system, and try to intimidate me as well using their methods. Unfortunately I am able to sense these evil entities and have been since about 2005. The evil spirits did some temporary brain damage to me in 2009 which resulted in severe paranoia, but did not affect my work. In 2016 I started receiving training on how to fight evil spirits. Since I am able to see when nobody else can that is 80% of the battle right there. It is called astral vision (look it up in your astral dictionary.) In late 2017 after a trip to central Eastern Arizona which is littered with BBQ joints and evil spirits who would love to make burnt ends out of me, I was marked. Being marked by evil spirits involves them dumping a bucket of astral matter on your head and body. This subtle matter makes you visible to spirits from far away like a homing beacon. These spirits would otherwise not notice me. In any case, I was being bombarded with spirits night and day. I was waking up in the middle of the night in terror. It is hard to fight back when you are so out of it that you see blurry and are not at all on the ball. In any case, the angels decided that the attacks were good for my learning to fight back, but they would end this by disguising me astrally which worked for the most part. But, before I was disguised, the angels had to escort me to a place that I had never been.

Hell
Hell is a place that Christians, Jews, Muslims, Hindus and Buddhists all believe in. Their ideas about hell might vary, and Buddhists believe in multiple heavens and hells. I think that the Buddhist version is still overly simplified as humans don’t really know how many realms of existence there are in the astral plains.

In any case, I was expecting to see the bosses of corrupt signing companies having a party with all the money they saved from not paying people. This was not the case. There must be a separate hell for them. In any case, during my sleep, some angels decided that I needed a quick visit to hell. So, I went in my spirit body and descended down by floating while being escorted by the protection of angels. Here is what I saw.

There were 50 foot tall conical trellises that got wider as they got higher. These conical structures were made of poles that were covered with embers and littered with human souls that were confined to this inferno. The trellises were open on the top and you could float in, but attached to the ember ridden ground at the bottom. The ground was covered with reddish-black embers and hills as far as I could see into the horizon.

The purpose of the visit was to get “marked” with some of the astral smell or vibration by the boss of the evil spirits who were bothering me. This boss lived on the other side in hell, but had command of spirits on earth. Sounds scary. It is similar to gang bosses who are in jail yet call the shots as to who gets hit.

Afterwards
After I woke up the following morning I had to call the psychic to figure out what had happened and the angels explained it to me. Being marked with a subtle impression of the most evil entities sent a message out to the other evil spirits not to mess with me. It’s a little like wearing gang colors, or spending enough time in a bad neighborhood until you have their vibration and callousness. The spirits bothered me a lot less after my visit to hell which was only about half a minute. I have not been back since, and hope I never see the place again. Since them, the angels tried a much more reliable strategy of shielding me from the evil spirits by cloaking me astrally which was 99% effective (until I visited Riverside, CA for Mexican food.)

My message to Notaries is that heaven and hell are real. you might never see them in your physical incarnations, but they exist. And if you don’t do a good job as a Notary you might end up in Notary hell where demons burn you alive every day for all the sins you committed as Notaries Public. I’m not sure what happens to bad Secretaries of State who let Notaries run wild doing illegal things, but they might join you in Notary Hell.

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You might also like:

Notary Hell… “Yeah, but its’ a dry heat.”

Notary Hell – “Yeah, but it’s a dry heat”

Compilation of posts about Notary heaven, hell and purgatory

Notary comedy articles about Heaven & Hell

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

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October 30, 2018

How important is direct communication with the signer?

Filed under: Technical & Legal — admin @ 12:54 am

It is illegal in almost all states for a Notary to notarize a person with whom he/she does not have direct communication. However, the traditional confusion is regarding whether or not the document needs to be in English.

Some states require documents to be readable by the signer.
Some states require the documents to be readable to the Notary
But, 49 states require the signer to be able to communicate directly with the Notary.

I cannot teach individual state notary laws because I am not authorized and because I do not know the laws and cannot keep up with the regular changes. However, general best practices are something I teach.

If you use a translator to communicate with a Notary, and the translator translates incorrectly, the Notary could end up getting sued, or end up in jail (far fetched, but makes for a more interesting blog article.) The Notary needs to rely on himself/herself to verify that the signer understands the document and wants to be notarized. The Notary needs to give direct answers to any other questions.

There is no need to translate the document unless your state requires that.
As a general rule (state specific though) the Notary notarizes the signature on the document and not the document itself. So, the Notary just needs to be able to verify that the signer signed the document and take all legal measures to properly notarize the signature.

It is common for children of immigrants to call the Notary, and haul you down to the signing only to find out that mom doesn’t speak a word of English. The common rationalization is — don’t worry, I’ll translate for you. At that point you need to either get mom to speak English, or politely leave the appointment.

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You might also like:

Vague communication is not acceptable
http://blog.123notary.com/?p=19048

Affidavit of support and direct communication with the signer
http://blog.123notary.com/?p=7084

Notary Public 101 – Real Life Notary Scenarios
http://blog.123notary.com/?p=19681

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October 29, 2018

Fix for – Your Phone Stopped Ringing

Filed under: Ken Edelstein — admin @ 12:28 pm

Fix for – Your Phone Stopped Ringing
To understand why it’s not ringing you need to understand what makes it ring. Calls come from three basic origins. Repeats, Advertising, and “where you are known”. Repeats are great, and you will have them if you did a good job for a fair price. People like to deal with a known entity – especially when the prior work was great. Ads cost money, but wisely done have a good ROI
(Return On Investment). However “ads” can be free – the following link: http://kenneth-aedelstein.com

will be “picked up” by many internet “robots” – including Google. It costs noting to
post a blog, just some time to create content that is worth the readers’ time.

Now on to “where you are known”. I have often suggested the distribution of several hundred business cards. Sure, it’s work – but has the advantage of making a good face to face impression. Well, to be honest it can take a lot of low result legwork. But, it can also be done with a strategy for low effort and high return. One good potential future caller source is doctors. They often need their statement about a patient’s health notarized. You could plan a route to cover 50 doctors in one trip. It would be an inefficient plan. Sure you would leave a card (and perhaps a brief letter about your services) with the doctors; but the narrow focus would miss other potential clients – in the same building.

A better, perhaps more efficient approach would be to visit an area. Doctors might be prime candidates – but the hardware store adjacent to the doctor should also receive a visit. Think of everyone as a potential client – why not visit an many as possible, as efficiently as possible?

This is a very generalized approach. It works for notaries, realtors or plumbers. They might not need you now, but might require your type of service in the future. Can you picture them thinking “now where did I put that card” – I vaguely recall that person seemed competent.

Don’t feel like making a special card distribution trip? You don’t have to. Just be sure to carry about 50+ cards with you at all times and distribute them where you go, and to places nearby.

It’s a numbers game – the cost is very low, and to be frank – the response rate is also low; initially. But some will call, perhaps becoming repeat customers. Unlike the hated “spam” email, you are delivering your card personally; perhaps starting a relationship.

One final tip. Be sure to use the back of the card to make your card a “keeper”. I have a street guide to finding buildings in Manhattan. Some have conversion charts between English and Metric measurement, some Federal holidays. Whatever you choose make it a “long term” keep. Probably the worst is a calendar – into the trash you go on New Year’s Day.

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You might also like:

Notary – what would you do?
http://blog.123notary.com/?p=21037

Situations where you can ruin a loan out of stupidity
http://blog.123notary.com/?p=19987

A list of things Notaries goor (or might goof on).
http://blog.123notary.com/?p=19427

Life at the bottom of the food chain
http://blog.123notary.com/?p=19419

Get off your butt — and start marketing yourself
http://blog.123notary.com/?p=19408

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October 28, 2018

Notary Tips vs. Notary Burnt Ends

Filed under: Humorous Posts — Tags: — admin @ 10:20 am

At 123notary, we give lots of Notary tips. People browse our blog and learn something. Some people find it entertaining. But, what is the difference between a Notary tip, and a Notary burnt end?

Say, you are notarizing for people at a BBQ joint, (or a Notary BBQ joint which actually exist, but only in my blog articles). They don’t know what to do, but you are the expert. They ask, “How do you explain the APR to a non-borrowing spouse?” If you go through the procedure of explaining how the APR is based on the monthly payments compared to the amount borrower after certain fees and closing costs have been deducted, and calculated on a compounded basis — that is a Notary tip. But, if you start yelling at them that you are not an Attorney and cannot discuss loan term and how dare they ask, that would be more of a Notary burnt end.

On the other hand, if you had a good career as a Notary back from 2004 to 2013 and now left the industry because you couldn’t make a living — that is a bad way to end your career, but is it a bad end or a burnt end?

What if you give your Notary tip over and over to the point where your client is burned out hearing it and then you add a little Mama Sue’s Kansas City sauce to it. Does that make the Notary tip a burnt end?

The last scenario is if you take a notarized document and put it in one of those oil barrel cut in half type of BBQ grills. Is that destroying evidence, or turning a notary tip into a burnt end, or turning a notary document into a burnt end. I am not sure what it makes it, but I don’t know if it is legal to grill an Oath. You can grill an Affiant, but can you grill an Affirmation? Try it and find out.

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You might also like:

Tips for avoiding liability with the elderly
http://blog.123notary.com/?p=20040

Ken’s tips for the Closing Disclosure
http://blog.123notary.com/?p=17116

Hospital Notary job tips from A to Z
http://blog.123notary.com/?p=76

Ken’s list of things Notaries goof on
http://blog.123notary.com/?p=19427

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October 27, 2018

All Mortgage fraud is investigated by the FBI

Filed under: Technical & Legal — Tags: , , — admin @ 10:17 am

The FBI is federal and your state is local. So, if your state doesn’t require a journal, you notarize a fraudulent mortgage, and then get investigated, then the feds will be investigating you. If you don’t keep a journal which is your only evidence that showed who you notarized, you will have no evidence.

Additionally if someone copies your seal and impersonates you, and you don’t keep a journal, you will have no proof or way of knowing if you were the one who notarized the transaction or whether an imposter did. These are some of the many reasons you need a journal. The excuse, “My state doesn’t require a journal.” Might not cut it with a Federal agency, because a Federal agency goes by Federal guidelines not the backwards rules of your state.

The FBI can name you as a suspect and if you don’t keep a journal it looks like you are doing a cover up for fraud and are in cahoots with the Lender. It looks like you are hiding evidence.

Additionally, the FBI needs forensic or biometric evidence. Texas and Florida discourage or prohibit taking such evidence. If you show the FBI a line in your journal that has a fake name, fake ID serial number, fake address and fake signature, how will this help the FBI catch anyone? Try to think from their perspective. They are trying to catch people who are ruining dozens or hundreds of peoples’ lives. If you are a concerned citizen, you might try really thinking hard about this. Taking journal thumbprints is a foolproof way to identify signers. Whether you do this or not is something I cannot advise, but there are serious consequences to not keeping thumbprints — consequences for the safety of society.

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You might also like:

Penalties for Notary misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315

Notary loses $4000 in legal fees because fraud adds name to acknowledgment
http://blog.123notary.com/?p=19477

My stolen identity and the fraudulent notary seal
http://blog.123notary.com/?p=20753

Fraud – The 30 point course discusses this issue
http://blog.123notary.com/?p=14514

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October 26, 2018

Snapdocs is copying 123notary (in a few ways)

Filed under: Signing Company Gossip — Tags: — admin @ 10:15 am

I just found out that Snapdocs has ten basic questions they ask their members about loan signing. Those questions are nothing to compare with how thoroughly we test our higher level notaries. However, I was impressed at the quality of the Snapdocs questions. They were very practical and useful questions, and not very difficult either.

I heard that Snapdocs had had those questions from long time back. But, they seem to be emphasizing questions more, as I did not hear of them asking technical questions before. So, does that mean that Snapdocs is copying 123notary’s style? Does that mean they are learning from us? Is 123notary influencing how the industry does business? I am feeling that we are making an impact, although I cannot definitively say it is true.

I think if we at 123notary talk to the title companies and make a list of all the dangerous and foolish things that so many notaries do, the title companies will become a lot more hesitant to hire a Notary who does not have proven skills. We want to promote our certification, and now that we have cleaned it up, it represents a certain higher standard of knowledge.

I wonder how much Snapdocs will do to enforce or encourage a higher level of Notary knowledge. Few Notaries will try to get that distinction unless something changes in the industry and people start valuing education.

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You might also like:

Notary opinions about Snapdocs in the forum & blog commentary
http://blog.123notary.com/?p=21299

Snapdocs profiles are getting more impressive, but…
http://blog.123notary.com/?p=20819

See our string about Snapdocs
http://blog.123notary.com/?tag=snapdocs

Compilation of posts about SnapDocs
http://blog.123notary.com/?p=21531

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October 25, 2018

Studying is dying with a “stu.”

Filed under: Uncategorized — Tags: — admin @ 10:10 am

After getting so much flack for trying to get our certified members to study a bit more, my idea about how Notaries see education has changed. I thought that most Notaries do not like to study and do not know their trade well. However, even the certified and elite certified Notaries do not like to master their trade through studying.

Most Notaries would rather lose the prestige and honor of our certification to save themselves from the dreaded task of reading my materials for an hour. In short, they would rather die than study. The pain they experience is so intense that I’ve decided that for Notaries in 2018, studying is dying with a “stu.”

The sad fact is that not studying and not knowing your notary work well is not only offensive, but dangerous to yourself and clients. There is legal liability being a Notary. You can cause financial damage to yourself, Lenders and borrowers by goofing on your Notary work.

You might notarize someone with a fake ID and get called into court.
Someone could illegally change a certificate you created and add or change information.
Someone could copy your seal and pretend to be you.
You might get a package in late and cost someone their lock.
You might identify someone incorrectly and it might be a different person.
You might not follow instructions and cost someone thousands.
You might not be able to look up a transaction because you don’t keep a journal or don’t one correctly.
Not knowing how to administer an Oath could get your commission revoked and get you in huge trouble with a Lender.

If you think that you “know enough” and don’t need to know any more, or think that you already know it all, you are probably wrong. Most Notaries who are certified with have gaping holes in their knowledge. If you are not 123notary certified, there are probably more holes in your knowledge than points of knowledge. Scary. I cannot figure out why Notaries insist on conducting their entire careers with as much ignorance and danger as possible. If they got in trouble once in a while, their attitude might change.

I don’t see how in a legal support profession there can be so much sloppiness. You are dealing with million dollar transactions. This is not an arena to be fooling around in. Would you like someone fooling around with the paperwork affecting YOUR life savings?

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You might also like:

Notary Public 101 – a free guide to being a Notary from 123notary
http://blog.123notary.com/?p=19493

The 30 Point Course – a free loan signing course from 123notary
http://blog.123notary.com/?p=14233

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

Common mistakes with the 1003, RTC, TIL & APR
http://blog.123notary.com/?p=4553

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October 24, 2018

The test from heaven

Filed under: Certification & Communication Skills — admin @ 8:18 am

Yesterday I tested a Notary who did not have time to study much. We decided to wing it. Most people who wing it lose a wing in the process. But, this lady from California got 100% on the Notary Questions 94% on the loan signing and 100% on some complicated scenarios. I could not believe it. It was fast, pleasant and accurate. I wish more of our notaries would be so good. Maybe with some training. If you have not yet passed our basic notary competency test, please study from Notary Public 101 and let us know when we can quiz you.

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October 23, 2018

How many days of education should a Notary have?

Filed under: General Stories — Tags: , — admin @ 12:55 am

Since the activities of a Notary public can incriminate themselves as well as their signers, it behooves the states to have a longer educational requirement. Additionally, no state that I am aware of teaches facial recognition and how to spot a fake ID which should be central to the notarization process.

I feel that notary classes should be government mandated and at least four days long since so much fraud is possible. Careless notaries create or allow fraud while a smart and well trained Notary would be able to deter almost all of it. My ideas for a Notary course would be the following.

1. Understanding basic notary acts and law
2. Journal and form filling
3. When to say no and how to handle situations which are hard to tell if they are legal or not.
4. Facial recognition and spotting fake ID’s
5. Hands on practice

Being a good Notary is somewhat hard and requires a reasonable IQ as there are logical distinctions that Notaries need to make that most Notaries are not smart enough to make. An IQ of 95 should be enough, but perhaps I am wrong and it needs to be 110 to be a safe Notary. That should be up to states who are paying careful attention to the quality of their Notary’s work.

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You might also like:

2018 Certification Standards
http://blog.123notary.com/?p=20120

Notary Public 101
http://blog.123notary.com/?p=19493

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October 22, 2018

Psycho people I find doing welcome calls

Filed under: General Stories — admin @ 11:40 am

Thank God I have a new iphone is all I can say. When I do welcome calls, normally I get people who don’t answer their phone or who have trouble giving straight answers to questions.

ME: How many loans have you signed?

NOTARY: Well, I used to be a banker.

ME: Thanks, but I am filling in a form with room for numbers and not sentences. Once again, how many loans have you signed?

NOTARY: Hmm, I’ve been doing this for 15 years.

ME: Once again, I cannot use this information.

If you were hiring a Notary, would you want one who gives straight answers to questions or one who makes you ask the same thing four times and makes you drag the answer out of them?

But, once in a while I get some angry people or even psycho people. I once had a crazy black guy in Michican call me and text me with threatening messages for four days. He sent more than 200 texts or calls. I could not block him because I had old technology. The Michigan police said they would help me, but I had to contact Los Angeles police and get a report from them. LAPD was unwilling to help me as this was too petty for them. I was a victim of terrorism and the police couldn’t care less. Typical. I have to pay taxes to them but they don’t have to serve or protect me. When I did jury duty, the case was for LAPD, and the prosecuting attorney asked me if I had any prejudices against LAPD and I told them multiple examples of how useless LAPD was whenever I needed them.

But, this time I got a psycho lady from Miami who was trlingual in English, Spanish and insanity. She called me back twelve times to ask me why I had called her. I told her she was disrupting my outgoing calls and not to call me anymore, but she would not stop. With my new iPhone I was able to block her. I announce why I am calling people at the beginning of all calls, but some people don’t listen apparently.

In any case, part of why I do welcome calls is to identify the smart people from the mediocre from the insane, and I found a few of each in today’s call list.

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You might also like:

A psycho client goes nuts on me today!
http://blog.123notary.com/?p=14199

Notary is pushed off stairs by borrower
http://blog.123notary.com/?p=1097

Psych – busting the Russian Mafia with help of a Notary
http://blog.123notary.com/?p=19963

10 risks of being a mobile notary public
http://blog.123notary.com/?p=19459

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