January 2019 - Page 2 of 2 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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January 9, 2019

Is 123notary tearing notaries down or building them up?

Filed under: General Articles — admin @ 12:32 am

One Notary wrote to me claiming that we tear Notaries down. This may seem to be the case if you talk to Notaries who antagonize us. Because those who are rude to us often get a rude response because we have had enough with rude Notaries! In the long run, you need to be cooperative and polite to survive in this business.

123notary not only sells courses to help Notaries to be at the top of their knowledge, but publishes not hundreds, but thousands of helpful blog articles specifically tailored to help Notaries with all of their marketing needs and knowledge needs (which they don’t always acknowledge as needing.)

If you want to spit in our faces and antagonize us, you will probably see us as tearing you down. However, if you cooperate in our attempts to educate you, you will find that we offer free help that NOBODY ELSE will offer at any price. Take us for granted if you like, but the serious Notaries often give us a big thank you after we have helped them.

One reason Notaries might feel we tear them down is that when we quiz people, if they get mostly wrong answers, we will tell them that they don’t know what they are doing. Whose fault is this? Is it my fault for telling them they don’t know how to be a Notary or is it their fault for endangering the public and themselves and my reputation by having no clue what they are doing.

Being a good Notary protects you from:

1. Engaging in illegal notarizations which might include:

(a) Refusing to notarize when the request is perfectly legal
That can get you sued if there are damages. If someone cannot complete a sale on time and lose a few thousand, they can sue you and we have stories of this happening to our Notaries!

(b) Agreeing to notarize when the request is not legal
How would you know if you don’t understand notary law. The majority of Notaries do not understand the rules for the various common Notary Acts such as Acknowledgments, Jurats, Oaths, Affirmations, and Proofs of Execution. By misunderstanding the rules, you are likely to commit illegal acts daily which you might never get caught for, but it is still illegal and you could eventually get caught.

(c) Failing to administer an Oath or a relevant Oath when required
This can end you up in jail for five years on a felony. We have heard stories of several Notaries who got busted by judges for this and lost their commission. I did not hear of anyone being put in jail. But, I heard that some judges consider failing to administer an Oath when you said you did in writing to be perjury which is a felony and is a Federal offense not governed by your particular state rules.

(d) Failing to fill out a journal
If you don’t keep a journal or use short cuts, you might not have adequate evidence in court of what actually happened at a transaction. Those who have thorough records often get out of long court cases and I have stories from our Notaries to back up that claim. It only takes two minutes per assignment and can save your neck.

(e) Thumbprinting
Failure to keep a journal thumbprint would make identity thieves hard or impossible for investigative agencies to catch. Showing the FBI your journal entry with a fake ID’s serial number inscribed within it leads them into a brick wall.

(f) Additional information in Acknowledgments
Many Notaries feel that since this information below their stamp is optional that therefor they should not fill it out. Acknowledgments can fraudulently be swapped from one document to another if not thoroughly identified by use of the optional and additional information section. The NNA does a good job of creating these forms and I recommend them as a vendor.

If you think being a slipshod Notary is okay — I have elaborated the damages that it can cause you and society above. If you think that you are a great notary simply because you never got in trouble… yet… you could get in trouble, and the consequences are so severe, that it is not worth playing with. This is part of the reason why 123notary wants all Notaries listed with us to know their stuff up to our standards (not your standards or your state’s standards) because our standards are practical and will keep you out of most types of trouble you could get into. Additionally, it looks good and is proper to know your trade to a particular knowledge level.

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January 8, 2019

Spousal States List

Which states are spousal states for Notary Loan Signing?
Alabama
Alaska
Arkansas
Colorado
Florida
Illinois
Iowa
Kansas
Kentucky
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
North Carolina
North Dakota
Ohio
Oklahoma
South Dakota
Tennessee
Vermont
West Virginia
Wyoming

Note
If you are a married homeowner in a Spousal State, your spouse is required to sign certain documents to attest that he or she is aware of the new loan.

Typically, the spouse will need to sign the Deed of Trust, the Right to Cancel, the Truth-In-Lending (TIL), and a few other title and settlement documents.

Your spouse is not financially responsible for the mortgage transaction by signing these documents as long as they are not on the note (the note is the legal-binding document that defines the terms of the loan and who is responsible). They are just acknowledging that a new mortgage is being taken out against the property.

It’s also important to mention that anyone on the deed to your home must also sign the spousal documents, whether you live in a spousal state or not. All owners of the home must acknowledge that you are borrowing against the home.

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You might also like:

Spousal States List on the Forum
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4329

The 30 point course – a free loan signing course on our blog
http://blog.123notary.com/?p=14233

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

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January 7, 2019

The reason why 123notary scrutinizes its Notaries

Filed under: General Articles — Tags: — admin @ 12:31 am

Most complaints about Notaries listed on our site never get back to us. People do not want to publish negative reviews because the information is online, the reviewer’s and reviewee’s name is on it, and the reviewer often fears legal retaliation or other types of retaliation. However, here is a review where the person complaining claims that because she found a bad Notary on 123notary, she will probably not use our site again! I personally lose when you ditch your customers that found you on my site — and that is why I want to make sure you are both responsive and know how to be a good Notary.

Text From Review with names taken out for privacy.

I will start off by saying the first time I spoke with (name of Notary omitted), I was very pleased. She seemed very friendly and convenient. I had scheduled an appointment with her over last week to meet this Monday at 11am. She agreed and told me to leave a message of the address, as I did. I never heard back from her for a conformation on meeting, so I called her this morning 11/21/16 at 8:39 and asked her if we were still okay to meet this morning at 11am. She said yes and I said okay great sounds good.

I showed up and there was no one. I waited in the parking lot for about five minutes before I tried calling her cell. It was turned off and went straight to voicemail. So I hung up and sent her a message letting her know I was there and waiting if she was lost to let me know and I’d help with directions. I tried her second number and it rang a few times then went to voicemail. I left a message again stating I was there and if she needed help to let me know. I also sent this number a text message as well. I tried calling a couple times again and figured maybe she was running behind.

By 11:35am, I had yet seen or received any contact information. I could not longer wait for her, so I had no choice to leave. So not only did this cause me to be upset, but a disappointment as well.

I had driven 72 miles there which was an hour and a half of my time up, plus another 72 miles and an hour and a half back home, for a no show. I was very disappointed that I was unable to have the services we had scheduled to not be completed.

I do not like to report non satisfaction reviews but this was a total waste of my time. A simple phone call saying this needed to be rescheduled, or that the service was unfortunately unable to be done today, something came up, or something. Instead I got a no call no show. I would not recommend this Notary again due to the inconvenience this has brought on to me today, as well as the returning phone calls that I never received a few times when I had left previous messages to her before this incident today. I just gave her the benefit of the doubt previously due to understanding she has a life and work and being busy. But again for the service today with being unprofessional that I was not contacted and wasted my gas,time, wear and tear on my vehicle, sitting and waiting for her, and the inconvenience and not even being able to return my phone call yet (as it’s 3:06pm) to apologize for this situation I will never recommend her again and probably never use the 123Notary website again. Thanks for your time and reading this review.

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January 6, 2019

Notary Near Me

Do you ask yourself, “Where can I find a Notary near me?” The answer to your dilemma is closer than you think. 123notary is a mobile notary directory. You can find a Notary who will come to your home, hospital, jail cell, airport, or office whenever you want. Or, if you prefer to go to a notary office, you can use google local, or yelp and find plenty of Notaries near you.

It helps to talk to UPS stores and general mail box stores. They often have a Notary. Insurance and law offices normally do as well. Realtors are often Notaries too. I personally recommend Google and 123notary.com as search tools to find a great Notary Public.

If you want to learn more about the Notary profession, you can visit our links below:

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

Notary Public General Information
http://blog.123notary.com/?p=20075

Notary Comedy Articles
http://blog.123notary.com/?cat=3241

Jail Notary Information
http://blog.123notary.com/?p=21349

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

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January 5, 2019

A forged Notary seal ends someone up with a prison sentence

Jeremy Belmont
8:06 PM (0 minutes ago)
to me
A man from Glendale, CA earned himself a ten year prison sentence by forging a Notary seal in an attempted to conduct a 5.4 million dollar Mortgage fraud scheme. There were two co-conspirators who each served sentences themselves. One was for 6.5 years and the other for 4. years.

The fact that the criminal had altered an “authentication feature,” made the sentencing longer according to federal guidelines. The criminal used falsified documents using his false seal to fool county recorders.

Crimes like this involving Notaries engaging in fraud relating to real property (such as houses, etc.) are the worst crimes that a Notary can commit and normally end up in jail time. There are other things Notaries typically do wrong like falsifying dates on certificates which can also get you in a lot of trouble. Notaries typically do not administer Oaths correctly, or at all which can result in your commission being revoked. As a Notary, you really need to consider the fact that if you fool around with your commission, it can be taken away from you.

There was another case where a Sacramento Notary was involved in a 19 million dollar fraud scheme by impersonating NNA’s 2007 Notary of the Year. The perpetrator fled to Lebanon and was arrested upon re-entering the United States. Sampson, the Notary whose name was fraudulently used protected herself by showing her journal to prove that she had not performed those notarizations.

Let this be a lesson to those who say, and often in a whiny voice, “My state doesn’t require journals.” Without that journal, you could be accused of conspiracy in a 19 million dollar fraud scheme or identity fraud, or worse…

You might also like:

See our string of posts about Notary fraud
http://blog.123notary.com/?s=notary+fraud

California man pleads guilty in stolen Notary ID case.
https://www.nationalnotary.org/notary-bulletin/blog/2012/01/california-guilty-notary-id-case

What is the burden of proof for Notary fraud?
https://www.avvo.com/legal-answers/what-is-a-burden-of-proof-for-a-notary-fraud-in-ca-2629309.html

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What is the penalty for notary fraud?
Notary Fraud California
Notary Fraud New York
Notary Fraud Florida
Can a Notary be sued for fraud?
Fraudulent Notarization Pennsylvania
Fraudulent Notarization California
Fraudulent Notarization New York
What is the legal charge for witness and notary for fraudulent signatures
What is the punishment for an attorney notarizing a fraudulent document?
What to do about a fraudulent notary signature

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January 4, 2019

An American Notary dates Chinese Notary using an app.

Filed under: Humorous Posts — admin @ 12:35 am

An American Notary named Sam did not speak a word of Chinese, but yet dated Sun-Yee who didn’t speak any English other than what was necessary to pass the Notary exam. They met at a hotel convention center while taking their exam.

SAM: Hi there. I just love your hair.

SUN-YEE: Sorry, no English.

SAM: No problem, we can communicate using this app. I used it with my last foreign girlfriend who was Russian.

SUN-YEE: Oh, Russian.

SAM: The app didn’t translate the subtle nuances of Russian expressions into English. But, she was hot, so I didn’t care and neither did she.

SUN-YEE: Oh, I look up New Ants. Do you mean newly born ants from ant hill?

SAM: No, read this screen — “NUANCE.”

SUN-YEE: Oh, SAT word. Nuance. ha ha ha. I understand now.

SAM: Read this — would you like to date me?

SUN-YEE: I don’t know, are you into Notaries?

SAM: Read this — it takes one to know one.

Anyway, Sam and Sun-Yee happily dated for two months until the translate app got hacked and all of the messages were scrambled. Sam’s comment to Sun-Yee got him slapped.

SAM: Read this — You look nice today (hacked translation) You look like you are having an affair today.

SUN-YEE: Smacks Sam in the face.

SAM: Ouch, what was that for. Hmm. Was it something I typed? Maybe it is time to learn Chinese, and Russian while I am at it.

SUN-YEE: Hmm, I use dictionary to look up what you said for second opinion.

SAM: It is says something good, will you unslap me? Never mind. I’ll use my broken Chinese. If Chinese English is called Chinglish, then what is Americanized sounding Chinese? Am-Ching? NI HEN PIAO LIANG JIN TIAN pointing to i-phone.

SUN-YEE: Ohhh. I so sorry, translate wrong. I unslap you now. XIE XIE, NI YEH HEN HAO KAN.

SAM: Gee thanks… You said I am also very good looking. Hmm, I wonder if your dictionary has the term credible witness?

SUN-YEE: Oh, that sound’s dirty. You want someone to watch? SMACK!!!!

SAM: I seem to be getting beaten up here. This is pre-spousal abuse. How will I marry this girl?

Finally after another two weeks, the app was frozen, and could not be used. Sun-Yee lost her dictionary, and the two of them had no way to communicate other than by having a certified translator make a notarized copy of every sentence they said. They took him along on one date and then Sam decided he liked the translator better than Sun-Yee. So, ends the story of Sam & Sun-Yee. The moral of the story is that technology is all so wonderful until you have a power outage or get hacked.

After that, Sam learned perfect Chinese, but then fell in love with a Portuguese lady and found that his study had been a waste of time. He should have been studying Portuguese. But, then his girlfriend dumped him and he got a job in Chinese teaching English and found that his Chinese was useful after all. Too bad he couldn’t bring his Notary seal to China otherwise he could have made a mint.

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January 3, 2019

One Notary on NR wants to be treated like a professional

Filed under: General Articles — admin @ 11:43 am

One Notary I read about on Notary Rotary thinks that having continuing education and being retested every year or two is the same as not being treated like a professional. I beg to differ. I have a colleague who is an accountant, therapist, pre-natal trauma expert, and has other skills as well. In all of his professions he needs to take courses, past tests, be reviewed, etc. My housemate works at H&R Block and every year she has many courses to take — not just one. It takes her months to get through all of it.

People in professions routinely are scrutinized, have to take courses, pass long examinations, and more. That is normal and part of being “treated like a professional.” If you think that being asked to brush up on your skills is not treating you like a professional, the problem is that YOU are not treating yourself as a professional and you are not treating your profession like a profession.

Can you imagine if you went to doctors who had out of date equipment, out of date knowledge, perhaps made a misdiagnosis because they got senile and nobody checked up on them. Or they didn’t read up on some new drug findings and gave you some medications that had been found to be toxic or deadly? There are many reasons why people need to study up a bit each year.

NNA makes people recertify. They have the corner on the certification market and people think they are God, so people do it.

123notary is quizzing people from time to time on an “as necessary” basis. Since we have a much lower status than God, (we are not even treated like a prophet or messenger of God.) people do not value our certification — so we took it away from more than a thousand individuals. Studying a little is not hard, and you need to know this basic information anyway to be a safe Notary.

Many of the older Notaries have gone senile, and developed cranky attitudes in their old age and are not delivering the same top notch service they did when they were younger. In Japan, age is considered a merit. In America, merit is the only merit that we care about.

I am getting old and cranky too because it is so difficult dealing with most people. So, I understand your frustration. But, understand mine. I need to have an accurate assessment of everyone’s knowledge and reliability, and that comes from keeping a track record and quizzing you from time to time like you would test a professional.

Perhaps I need to have a more formal test and formal ways of informing people when the test will be.

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January 2, 2019

Fake Notary Seals

It is illegal to use a fake Notary seal, forged notary seal or fraudulent notary seal. It is also illegal to borrower someone else’s notary seal whether you use it or not. But, how can you tell a Notary seal is fake?

A real Notary Seal should display the name of the notary, county where they are commissioned, serial number and a commission expiration date. the stamp or seal should also have some sort of a border. There are various types of designs for borders such as serrated, milled, etc.

How do you know if a notary seal is fake? If the fraud is not very professional, their seal might be lacking some of the required information or might be made in a sloppy manner. However, it is quite possible a fraud could have gone to a professional stamp manufacturer and gotten a seal created, perhaps overseas where U.S. laws cannot be enforced. You might not know if a seal is fake. But, the bigger danger is that a person imposters you that you never see, and goes to a notary who you never meets and they try to forge a deed to your house. If they do, they will probably get caught and do some serious time in the big house. So, don’t lose sleep over this.

Notary Seal information from A to Z
http://blog.123notary.com/?p=8337

Fraud and forgery in the notary profession
http://blog.123notary.com/?p=2294

Forged Notary seals earn longer prison sentence
https://www.nationalnotary.org/notary-bulletin/blog/2014/06/forged-notary-seals-longer-prison-sentence

What you need to know about notary fraud
https://www.farahlegal.com/news/need-know-notary-fraud/

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January 1, 2019

eNotary — Electronic Notary & Electronic Notarizations

Can I get an electronic notarization? Can I get an eSignature notarized?

The answer to this question is that it depends on what type of document you are having notarized. Additionally, the notary needs to be able to identify you.

A Notary must apply for a special and separate eNotary commission that is above and beyond their regular notary commission. This is only allowed in specific states as well.

To become an eNotary, just become a regular Notary and then say, “Vanna, can I buy a vowel?” Just kidding. Please ask your secretary of state’s notary division how to apply to be an eNotary.

Many of the states that allow eNotarizations require the physical appearance of the signer before the notary public for all transactions. I heard that in Virginia, an eNotary can notarize people remotely in any part of the world. Please read this FAQ page to read the details of remote notarizations.

Remove Notarizations allowed for Virginia eNotaries
https://www.commonwealth.virginia.gov/official-documents/notary-commissions/enotary-faq/
Colorado eNotary
Personal appearance is also required in Colorado.
https://www.sos.state.co.us/pubs/notary/eNotary.html

West Virginia eNotary — West Virginia Electronic Notary
This state requires physical presence of the signer for eNotarizations alghough the signature can be digital.
https://sos.wv.gov/business-licensing/notaries/Pages/ElectronicNotarization.aspx

Texas eNotary — Texas Electronic Notary
https://www.sos.state.tx.us/statdoc/gettingstarted.shtml

Virginia eNotary — Virginia Electronic Notary
https://www.commonwealth.virginia.gov/official-documents/notary-commissions/enotary/

The Pros and Cons of eNotarizations
http://blog.123notary.com/?p=3672

12 points on e-notarizations (old)
http://blog.123notary.com/?p=228

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