July 2019 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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July 31, 2019

Ken’s take on how to be a bad boy-girl aka person — Notary

Filed under: Ken Edelstein — admin @ 7:48 am

I have been asked by our foolish fearless leader to scribble on the subject of being a “bad boy notary”. It’s not often I get to dwell on all the wicked and evil things I do. Usually I try to present myself as an honest and thoughtful human. Mindful of the fact that my eternity will be in the proverbial warm place; perhaps this confession will warrant my captors to provide some mercy. Unfair Advantage against local peers.

In this competitive environment ya need an edge. Switchblade knives land people in the pokey so I have devised other edges that crush the competition. I have a car parked in an in and out as I please parking spot – 50 feet from my front door. That allows me to have with me two heavy kits. The first is for Notary, the second is for Fingerprinting. Parking is impossible in most of NYC; so I have drafted my spouse as my personal chauffeur. Thus I get driven in a somewhat beaten up Honda Civic to assignments. Spouse drives around the block till I call for pickup. That allows me to bring in an awesomely complete set of supplies, not having a heavy bag to carry everywhere. Fast or Slow the Advertising is Gung Ho.

I use Goobers pay per click. But, my bids are very very low. Some of my key words are a bit off the wall, so nobody bids higher. I don’t get many clicks, by design. But those that I get go to my site and then they are hooked. I put a lot of effort into my site. A lot. I even have an easy to remember redirected link notary.fm (no .com) that goes to the more lengthy site bearing, in all humility my name. It’s wordy; it’s lengthy, and even somewhat entertaining. It’s not just better than others, it crushes them. Add a hot link to my A+ BBB accredited status and they are in a rush to prepay to my PayPoo account. If your advertising budget is tiny, I am delighted. Bribery Works.

But you have to know who and how to pull it off. If I were to offer the office manager who hired me a dollar bill on my way out – they would be insulted. A dollar? But, the tiny keychain flashlight that I buy, by the thousands, costs me under a dollar each. Some clients call me back just to get another. While on site I also bribe the affiant. This does not work with loan packages; but most of my work is corporate documents. I ask them to have a duplicate ready so I can process two copies – no extra charge (the duplicate request is made after fee agreement) – they perceive the cost per copy as being half of my fee. Bribed with a sign, stamp and emboss. I probably have more reviews than you.

The big secret: ASK for them. Write a well written plea for a review. Install it on your home PC and on your cell phone. I don’t do a better job notarizing documents than you do. In fact most squirrels write and notarize neater than I do. But the little rodents don’t send email. Ask for that review, via email – as soon as you are out of the building. While they are reflecting on the good job that you did and that you were a bit early. Also you explained why you had to change the Venue so they do not worry later about an unauthorized change. Share your knowledge for free. Some of my reviews were earned with only phone conversations, got no money, but nuther one!

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July 30, 2019

Legality without Integrity

Filed under: Ken Edelstein — admin @ 2:26 am

Most of my readers are probably notaries, but not attorneys. We have been hammered many times to not practice law. Not so fast, there are many exceptions to that edict. Ken’s nuts, you think; give me a chance to change your mind. To me the illegal practice of law is directing a specific course of action for a specific person or situation. It does not prohibit sharing what is commonly available information. Sometimes, you should share your advanced knowledge.

Eschew doing that POA.

The caller wants me at a hospital to do a POA. I cover the requirements that you already well know. The legality is there. But how about the Integrity? I ask how is the POA to be used? It is to access a bank account and to transfer funds from a brokerage account. So, I ask the caller where they obtained the POA forms, from LegalCrawl on line is the answer. Well, I know that most banks and other financial institutions require their own Power of Attorney form and will accept no other. It would be a fee in my pocket to proceed, but integrity requires explaining that they will need to find specifically which institutions they will go to, and to get their POA forms first. That’s not playing lawyer, that is sharing notary knowledge about how financial institutions work. Don’t print borrower copy, we will send the borrower a copy.

We are not required to read all the forms the borrower will sign. However I know that many forms contain the statement that the borrower received a copy of that document. Worse yet, in some of the requests the borrower would receive their right to cancel way after the passing of the rescission date. I would be following instructions to the letter by not giving a borrower copy. This often happens with buyout of pension and similar situations. Clearly the high ground is to always provide a full copy to the affiant. Sometimes a subset – the borrower copy – is provided that you are told will save you paper! Integrity requires a full set of all papers processed. When you are told it would soon be illegal don’t proceed.

Another POA situation. They were unable to get the Will signed due to witness unavailability. They mention that fact and want POAs to access the very soon to be deceased person’s assets to pay for a decent funeral. Whoa. A POA has no validity when the Principal is dead. They stress that the Principal will be dying tonight, but can sign the Power of Attorney. Thus, the POA would be valid only for a few hours at most. Telling them the POA limitation is what should be done. As they told me the POA would be used after the death of the Principal I decline to proceed. It’s all about sharing knowledge

Obtaining birth, death and marriage certs is time-consuming in New York. Long lines and multiple forms are involved. Sure I process them for a worthwhile fee. But, when the client has a lengthy time window – they are not in a hurry; I provide the cost effective option. An option that cuts me out of earning a fee. I tell them about vitalcheck.com – and that they can order via the internet – if they can wait a few weeks. Tell your clients what you know, get the integrity star next to your name in their file. You might lose the current job, but will be called for the next.

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Parties involved in a Power of Attorney
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July 29, 2019

Defend Your Notary Section

Filed under: Ken Edelstein — admin @ 2:24 am

It seems so routine. You check/correct the Venue, check the identification, watch them sign, administer the oath, stamp and emboss; and lastly add your signature. They swore or acknowledged to what they signed – but SO DID YOU. Did you read what you are being asked to sign?

You are the boss
Don’t let anyone tell you what they want or need in the notary section, especially if it varies from your jurisdictions’ standard. I’ve seen absurd directives admonishing me to not make any changes to any preprinted text. Well, that applies to the body of the document; “they” have no authority over the notary section. Only you do. Sure, you want to please your employer; but it’s more important to “please” the Judge; so you are not questioned in court about what you did.

OPP – Other Peoples Problems
She took title in her maiden name. We understand that she now only has ID with her married name; but we still need you to notarize her former name – directly in the notary section. They have it a bit backwards. I can accept an original marriage document to prove her new name; but not the reverse. That marriage document shows a legal change of name; the former name is no longer her legal name.

Sworn to before me by Mickey Mouse rightful heir to the Dizzy estate. The attorney who wrote that would love to have my “office” as a “public official” add to the claim of Mr. Mouse. Time to redact that absurd addition. More common is the addition of a title or office. Sworn to before me by Minnie Mouse CEO of Mouse Enterprises. As told to me by the NY County Clerk “you notarize just the name as on the ID”. But there is a minor exception. When Minnie signs over the wording with her title and the little word “as” is added: “by Minnie Mouse as CEO…..” that’s OK.

Who did you Notarize
Often the Jurat does not include a name. Just “Sworn to before me on….”. Their signature is usually illegible, so I ask them to neatly print their name under their signature. In a related issue, often with corporate documents; is the issue of proper “ownership authority”. If their name does not appear in the document by what right are they asking me to notarize their affidavit of photocopy? In such cases I ask them to print under their signature their “authority to have” – such as Clark Kent, Managing Partner of Superman Inc.

Who Swears To
Answer: Both the affiant and the notary. As a sworn public official you are an officer of the court issuing an official document. One that can be used as evidence in a court of law. Every word in the notary section signed by you is, in effect, your sworn statement. Even the worst lawyer in the world will admonish you to not sign a document without reading it first. But do you actually read each notary section prior to signing – I do; and so should you. Judge to Notary: You stated that the defendant was the “authorized representative” of the Plaintiff – how did you determine that?

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July 28, 2019

Perhaps Donald Trump will take Notary competency more seriously now that he is affected

Filed under: Notary Mistakes — admin @ 2:19 am

It is now being claimed that Trump never signed a non-disclosure agreement with Stormy Daniels. Due to a botched notarization done by a Notary who received little or no training, a very important business document is now null and void. For years, the various state notary divisions have allowed shoddy Notaries to represent 99.9% of the notary population, and do little or nothing to train or scrutinize them. California does the most, but still 70% of California Notaries that I test cannot and will not administer a correct sounding Oath nor do they think it is important.

The fact remains that if you don’t keep a proper journal, don’t give an Oath, or make a mess of your certificates, you can invalidate the legality of a very critical financial document and that is no joke. The government for decades has behaved like it doesn’t matter and that the Notary profession is one big joke where people should get paid pennies for their work.

Now that the most important man in America has gotten his fingers very badly burned by a typical Notary who was never scrutinized by her State of Texas (which is a state that not only doesn’t teach you how to be a good Notary but prohibits you from inscribing ID serial numbers or taking thumbprints which is the only sure fire way to know a person’s true identity.) The State of Texas allowed this Notary to practice, never checked up on her, and the result is that the President of the United States is now in a lot of trouble. Maybe I should write to Donald and let him know that Notary education is the secret to resolving this problem in the long run. What do you think he will think? I think someone or a lot of someones are about to be fired.

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July 27, 2019

Texas suspends notary who handle Stormy’s hush money

Filed under: Notary Mistakes — admin @ 2:11 am

Stormy Daniels signed a document regarding being paid $130,000 in hush money before the 2016 election. A Texas Notary named Erica Jackson notarized that non-disclosure agreement document concerning the money. But, the State of Texas terminated her Notary commission as a result. The Notary claims she did nothing wrong, yet got canned anyway?

However, the plot thickens. After I watched a video about what had happened, there was a stamp on the signature page, but no notarial certificate verbiage and no notary signature. The notary claimed that the Acknowledgment page which was the third page (that was no longer attached) that stated who was being notarized, etc., was omitted.

Additionally, there was an accusation that the Notary notarized without a signature of the Notary, but the Notary claims that she signed on other pages which were attached.

There was also journal record for the corresponding document, and the journal seemed to have been filled out correctly.

Jeremy’s Comments
If you are a Notary Public, it is quite likely that you could end up on the 6pm national news. So please take your job a little more seriously and get rid of this “I already know it all” attitude, as it is that attitude which prevents you from learning.

This Notary did several things wrong.
1. She stamped the signature page with her Notary seal but omitted Acknowledgment and/or Jurat certificate verbiage. She also omitted a Notary signature to accompany her notary seal which is illegal and she should be terminated if that was the case. It is hard to see what actually happened when you have an inconclusive video.

2. She attached a certificate that was to constitute page three, but that page three ended up missing. Your stamp can not be on page two when the certificate wording is on page three. Those legally have to be on the same page. If the stamp had been on page three where it was supposed to be, she wouldn’t be in a world of trouble.

3. I originally thought (because I prejudged the situation) that the Notary was in trouble because of her association with some dirty business. That was how her improper notarization was discovered, but not why she got in trouble. Interesting in any case.

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July 26, 2019

My best teaching experience

Filed under: Uncategorized — admin @ 1:56 am

For those of you who do not know, before I ran 123notary, I had a history. No, not that kind of a history. Oh? That’s not what you were thinking? Well, then what were you thinking? Okay, in any case, I majored in Chinese in college as I had always had a strong urge to learn languages. In High School, I studied classical music a lot because my parents had many connections with music teachers, music schools, etc., and insisted upon it. When I got out of school, I found that there were no jobs that would involve Chinese unless I moved to China or Los Angeles, so I moved to Los Angeles from Boston which was quite a cultural adjustment.

Everyone and everything I knew from back home was no longer there. Even cultural things I took for granted like sarcasm didn’t exist over here. There were no more big Irish guys named Sully who whistled loudly when they wanted somebody’s attention (or said HEY really loudly.) I was surrounded by a California culture where people didn’t care about much of anything. And then there was a pervading gang culture near where I was living with Mexican gangs, gang guys, gang girls, bandanas, tattoos, low-riders, and Chinese kids who knew nothing except this type of environment. Sometimes the gangs would give people lectures right outside my window on the driveway. I remember hearing, “You gotta lot to learn esse! This barrio forgives nothing vato!” Okay, I’m mixing reality with Cheech and Chong, but you get the point.

I tried to get a job doing import export, but with few available jobs and no experience my search was a failure. Seattle and Shanghai had more jobs for people with my skill set, but I had family & friend (only 1 friend) here and was terrified of being alone in some other city. So, I started doing landscape maintenance, something I had done as a child. I realized I only knew how to do easy things and had little or no skill at doing harder landscaping tasks which got me in a little trouble. After that I started tutoring English again. That was something I had done while I was in Taiwan a few years earlier.

Tutoring was rough because people would cancel at the last minute, and the adults were not serious about learning. But, the children were good and proved to be reliable clients since their parents forced education on them (just like my parents forced music lessons on me which helped my life a lot.) After a while, my aunt pressured me to get a teaching credential and be a sub. I worked teaching kids and ESL adult school, and in all different parts of the county. I would drive to Fontana, South Los Angeles, East LA, El Monte, and more. And then it happened. What happened?

I was asked to teach a 10 week summer night school class in downtown Los Angeles. I couldn’t believe they assigned the class to me. Why me? I didn’t ask to teach it. I had very little experience at that district and in general with classroom teaching. I had done tutoring and small classes. Was it because it was a summer class? Were the other teachers on break? Was it because someone dropped out at the last minute? Speculation, speculation, and guess work. So, this class was every night for two and a half months. I got to the class the first day. There were about fifty people. I was overwhelmed. I had never taught a class that size. The room was huge too. It took three weeks to learn everybody’s name. Most of the people were from Mexico, but there were Salvadorians (or as I call them: Salvadortecos or Salvadorenos), Guatemalans (Guatemaltecos), two Koreans (Koreanos is how Mexicans say it), a South Indian, a Russian, and a few others. But, when you teach ESL in Los Angeles, it is generally 90% Latino.

I had learned a little Spanish and was going to learn more at work. Grammar was an issue, and my vocabulary was tiny. I speak Chinese well, but Spanish has always been a challenge even though it’s seven times easier to learn Spanish as an English speaker than it is to learn Chinese. So little by little I learned more Spanish words from my students which I needed for teaching. Because, when you teach a particular verb tense or topic, you need to make sure the slower students are on the same page with you so you don’t lose them.

So, I got to know the class better and better, and got more comfortable teaching them. The subject matter was my favorite: Beginner ESL (English as a second language). As time went on I noticed that there were more and more people in the class. I was disturbed. I didn’t know how these people would fit, and where they would sit. But, I got used to that. Then, I noticed that the population in my class kept growing like a cancer, little by little. I guess word got around that I was a good teacher, or perhaps there were no other options because there is a teacher shortage during the summer. By the end of the class I counted 120 people in my class. They loved me, I had most of their names down, and half the class valued me so much that they were willing to stand for two hours. I have never had an experience like this in my life and I think I should look back with price and gratitude. Because my other gigs of which there were over 100 (which were generally subbing less than a handful of times) were very disappointing and the classes did not love me.

Looking back, I would say that having your own class with a flexible student base is the best. That way new people who love me can join the class and I can accumulate a following of people who like my style.

Close to the end of the class, my birthday came. The students collected money for a huge cake. I was concerned that they were going to spend too much because (1) I like to keep it simple and (2) these were very poor people. After class was over on that day, they unveiled the cake. We had drinks, cake, music, and good conversation. It was somewhat hard to socialize with people who hardly speak English, but we managed. And then it was picture time. Two of the students put cake frosting all over my face and then took a photo of me. The posted a copy of it on the classroom wall so that we would have a happy memory. The principal came in a few days later and congratulated me on having a great class. But, I didn’t do anything special. I was just doing what I always do — I had just stumbled upon really really good luck!

So, that concludes my little spiel about my test beaching experience which incidentally was one of the best experiences of my life. I hope that I have some more amazing life experiences in the future.

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July 25, 2019

New Notary app helps you find an eNotary in Virginia or participating state

Filed under: Advertising — Tags: , , — admin @ 5:02 am

Yes folks, usually articles like this are written in jest, but I had to get this new information off my chest about a new Notary company that is the best in the West (actually East, but that didn’t rhyme). I just found out that there is an actual company in Boston called “Notarize” (“A” for being an industry specific name and “F” for uniqueness) that can help you find a Notary in Texas, Virginia, or Nevada, that specialize in remote eNotarizations.

This startup’s new COO is Elizabeth Graham, and she has worked for Wayfair and HubSpot as an executive (and is probably not to be messed with, but I speculate, and I digress.)

Notarize is signing up large institutions one by one, and trying to get them change the way they think so as to indoctrinate them into hopefully enjoying the convenience of their new online offering.

Notarize, founded in 2015, is a platform just like SnapDocs, but specializes only in the online aspect of the profession. They have 100 employees and look like they are making it big already and growing rapidly. So, you will be hearing more about them as time goes on for better or for worse. All I can say is let’s pray to God they don’t low-ball.

See original article
https://xconomy.com/boston/2019/02/07/notary-startup-notarize-wayfair-hubspot-chief-operating-officer/

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July 24, 2019

I’m not that kind of Notary

Filed under: Humorous Posts — admin @ 4:51 am

It all started during a routine call. I asked a Notary if she did Helocs. She said, “I’m not that kind of Notary.” I then said that there is nothing wrong with Helocs. Unless it is below your standards. She said again, “I’m not that kind of Notary.” I felt like I had asked her to do something wrong, or dirty.

Notaries who worked at saloons in the Old West used the same type of rhetoric. People asked them to do all types of things. Each girl had their own standards and there were certain things they just wouldn’t do. One girl wouldn’t notarize for old guys. Another wouldn’t notarize for guys who smoked. A third would not notarize for guys who used bad language. And then there was Sassy. She would notarize for you even if you couldn’t hold a pen properly.

Sassy was a favorite of guys who went to saloons to get notarized. Their strategy was to get Sassy good and drunk — and then she would notarize anything, for anyone, anytime. But, if you asked her for the very same thing when she sobered up she would conveniently say, and emphatically say, “I’m not that kind of Notary!”

So, there you have it folks. Notaries in the cyber age, saloon age and stone age. The technology changes, but women do not. So, if you ever hire a woman to do a double reverse mortgage, you should first ask, “Are you the kind of girl who does double reverse mortgages?” Just don’t be surprised if you get a response such as, “Well I should say not!”

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July 23, 2019

How to choose a Lawyer for your legal needs

Filed under: Other Guest Bloggers — admin @ 8:41 am

Choosing a lawyer in this day and age is very tough as more people start to put up their portfolios and work experiences online. If you are looking for a lawyer to pursue a legal case, it is imperative that you go through a series of different checks before making your decision. Law is a very sensitive field and one that requires the attorney to have hands- on experience of handling a case. In this article, I will guide you through some important things you need to keep in mind when hiring a lawyer.

Ways to choose a lawyer:

1. Check his/her experience
Experience is the first requirement of this field. Don’t choose a minor to fight your case. Keep in mind that people who have hands-on experience of dealing cases in courts know it all. A newbie will not be able to navigate your case the way you would want it to. If you are hiring Bergman Legal lawyers, you can easily consult the company to check the experience of the attorney. Once you are satisfied with the working experience of the lawyer in the category you are looking for, make your decision.

2. Check social media profile
Most people have active social media profiles through which they contact their customers. In this day and age, with social media platforms such as Facebook, LinkedIn, Pinterest, YouTube; you can easily confirm the veracity of the services of a
prospective lawyer. Read customer reviews and precisely look for bad comments to check what went wrong. Some attorneys even have personalized websites dedicated to them through which you can register for their services conveniently.

3. Approachability is must
Don’t confirm an online deal without meeting your attorney. Keep in mind that the nature of some cases is so intense that frequent meetings need to be positioned between the
client and the lawyer. Don’t confirm the deal unless you haven’t met the attorney in person. Meeting him/her will also give you an idea about professionalism and work. Hire an attorney who lives close to your house or at least within the same city. If you hire a remotely located person, chances are very high that you both might engage in a verbal spat near future.

4. Ask for the fees payment mode
Everything that you discuss with the attorney must be written down. Nothing should be verbal. Especially the fees payment criteria should be written down so that there is absolute clarity between the two parties. Hire the person whose fees is in adherence to your budget. Hiring a highly paid attorney is going to get you in trouble if the money is
not paid on time. Also, confirm the payment mode in time. Ask the other person for installments if you can't pay the full fees in one go.

5. Conduct a background check
This is the most important thing that you need to do when choosing an attorney for your case. If you are hiring somebody through a registered firm, you will easily be able to get every detail of the person out on the paper. However, if you are randomly hiring a person online or after the first meeting, you will need to conduct a background check. This can be done easily. Just contact some of the previous clients who worked with the attorney.

Conclusion:
Lastly, when you are sure about a person’s ability to handle your case, just stick to our decision. Treat him/her well and speak your truth to that person.

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5 Ways To Protect Yourself At a Construction Site

Filed under: Other Guest Bloggers — admin @ 8:38 am

If you are reading as working labor, then you’ve landed on the right spot. Keep in mind, when people are involved in physical work at the site, there is always a risk of getting severely injured. Whether you’re an architect, a worker, a machine operator, or anyone, the chances of getting in any sort of trouble will always be there. There are many things that you can do to protect yourself from any kind of physical damage. In this article, I will guide you through some of the important ways with which you can take care of yourself. Don’t ever think that you are in complete protection within the parameters of the site. You have to invest yourself in making sure that no damage is caused to you.

5 ways to protect yourself:

1. Always wear a hard hat
It is very important to wear a hard hat at a construction site. This is because the ground is uneven and there is always a chance that you might fall. Therefore it is crucial to wear it. Just like you wear a helmet while riding a bike to protect your head from an injury as a result of an accident, the hard hat does the same function. Hard hats are usually yellow in color, and they are very hard in texture. Be it any designation you have; a hard hat is must to wear.

2. Wear a face mask
Most of the construction sites have a lot of dust, which can make breathing very difficult. A face mask is crucial because it lets you breathe easily without worrying about inhaling the dirt particles. The face mask is crucial in places where bombardment of old sites and buildings takes place. A face mask will also protect your skin from getting damaged. People who work in excavation sites, mandatorily wear a face mask; otherwise, they develop severe breathing difficulties.

3. Keep away from naked wires
There is always a right of getting electrocuted at construction sites because of so many machines around. Not every site is going to have top-notch machinery in place. Naked wires are always a major part of the problem that Is caused at the end. As a worker, it is crucial that you stay away from them. Even if you are operating a crane or electrical machinery, always wear gloves that don’t allow electricity to pass through. In case of an emergency, inform the people around so they can come to help.

4. Wear sturdy work shoes or boots
You would have seen workers wearing big boots at construction sites for sure. The irony is that these boots protect the feet from the scorching heat of the sun and also from the rocks that are usually scattered on the ground. Long boots can protect your toes at work. Many people who often overlook this caution, run in problems where their feet even get badly hurt with equipment at work. Therefore you better be careful about what you are wearing to work.

5. Avoid standing between two hefty machines
You will easily get caught in between two machines if you are standing in the middle. The severe possible form is that it could potentially result in death even. If you get in any sort of trouble, then contact Reck Law, PLLC for assistance. They help workers who get injured at work and get them their compensation too. Never stand too close to a crane.

Conclusion:
As a worker, it is important that you take care of yourself and know your rights. Construction sites always have a lot of risks associated with them, so it is better to do your homework before beginning work.

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