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

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

September 30, 2019

The notary industry picked up in Aug and September 2019

Filed under: General Articles — admin @ 9:21 am

Clicks were up on new notary listings. Notaries who we spoke to on the
phone had lots of work. Things were slow from 2014 to mid-2019, but
now things have picked up. Interest rates dropped at least for now.
The future is still uncertain. So, how much longer will things still
be good for notaries?

According to experts, October 2019 will be unpredictable for mortgage
rates as the trade war with China and other political developments
could affect that rate in either direction.

For the remainder of 2019 mortgage rates are expected to be 3.85%
which is an average of various financial agencies such as Freddie Mac,
National Association of Realtors, and several others. The Fed is also
expected to lower rates a little over the next few years.

My personal prediction is that interest rates need to be kept
artificially low because too many governments are in over their heads
in debt. If interest rates rise, half of the world’s governments will
go under which will not be good for any of us. In the long run,
mortgage rates cannot go above 5% for long, otherwise there will be an
economic catastrophe and a chain of failed debt and eventual
bankruptcy on all levels.

Share
>

September 29, 2019

Does the Notary have the right to be rude?

Filed under: General Articles — admin @ 11:15 pm

As a Notary, you will have people pulling and pushing you from both ends. It is a lot to handle. Plus accompanied by non-paying clients, bad road conditions, animals harassing you, and endless cancellations, it can get to be too much. In my job, if I am on phones all day long, I have to deal with dozens of rude people per day and it can really get to me, and that is why I can sometimes be snippy. I also have to extract answers to simple questions and 90% of the time get the run around which really drains my patience after the first 200 calls. But, I digress.

Basically, there is no right or wrong. But, if you are rude to a client, they can write a complaint about you. If it is your first complaint and you have a good track record, I often keep the complaint private. But, if you get regular complaints, you might get into a bit of trouble at 123notary and I will publish the complaints.

None of us are perfect, and the stress of the daily nonsense doing Notary work adds up. If the stress gets too much, it is easy to be rude. But, think about it. Being rude can get you fired, or written up. Is it worth it? In my opinion, if you value the client, then no. It is a better policy to be like the folks at banks and try to be polite no matter how crazy the other party is. They also get bad karma from being jerks, so just realize that they are not off the hook being rude to you in the long run.

Additionally, people will treat you like you are the bad guy when you have done nothing wrong. Just try to roll with this as it is just part of people being unreasonable which is the norm these days. Of course, dealing with unreasonable mean people can just add up and get to you no matter how patient you are. Just do your best.

Try to just ignore other people’s bad behavior and just politely do your job. It is hard, but it is a good habit to get into. Turn the other cheek and take the high road.

You might also like:

Notary Etiquette 104 – a thorough course on etiquette
http://blog.123notary.com/?p=21132

Borrower etiquette from A to Z
http://blog.123notary.com/?p=2995

Share
>

September 28, 2019

For God’s sake take a notary class. (if you can find one)

Filed under: Carmen Towles — admin @ 11:15 pm

Got a call today from a new notary in Texas with a question. The first thing I ask her was how long she had been a notary. She is brand new-only a couple of months. I let her know (just like everyone else) that she needs to know her notary laws. She was not aware that this was of the utmost importance but then none of the new notaries do. They are foccused on loan signing. Never realizing that without basic knowledge of their notary laws they will fail and make countless errors. Definitely not a good way to start a business. So while we were talking, another notary called in. I ask her to hold and answered the call. Ironically, it just so happened to be another notary also from Texas that had a question on how to fill out a notary acknowledgment. She tells me that she pulled an acknowledgment off the internet and was perplexed as to how to fill it out.

I let her know, I just so happened to have another notary from Texas on the phone and it might be a teaching moment for the both of them and would she mind if I merged her into our conversation since they both were new ( I assumed this based on the question she was asking) and from Texas. She readily agreed and I merged the calls. I introduced them to one another and then asked the notary who had the acknowledgment question to to proceed with her question.

The notary had received an assignment to print a 3-4 page document, travel to the signer, have him sign, notarize and scan back to the attorney for a fee of 80.00. (decent fee btw.) She completed the assignment but for some reason (it is not clear why) she gave the notarized page to the signer. When she returned home from the job she realized her error and proceeded to find an acknowledgment certificate online and was trying to fill it out. I asked he how long she had been a notary and she stated that she had been a notary sine 1988. No disrespect to her but I find that to be a little disingenuous and very hard to believe considering the circumstances. To be a notary that long you would know what to do.

First off why she gave the notary acknowledgement to the client speaks volumes on its own. This is a rookie move; a person who has no clue as to what they are doing. Secondly, to not know how to fill out the notarial section is another rookie move. I told her that she should really consult her handbook as to what goes where. Hopefully, they address how to fill out a notarial certificate. I also let her know that she could take a picture of the acknowledgement and I would be more than happy to go through it with her. However, her best option would be to get off the phone with me and call the signer and go back and get the original acknowledgment certificate she had left with him. As of this writing, I have not heard back from her. Hopefully, for her sake, she got it all figured out.

The other notary remained silent until I let the other notary go. And she too now understood that she was also in the same position. She knows nothing about where to put what on a notarial certificate or just being a notary in general. I told her to also try and find a notary class and read her handbook cover to cover. Learn it-know it. If you are good notary you will be a great signing agent. After all the whole reason you would be called on to do closing/signings in the first place starts with you being a commissioned notary for your state. And guess what, they expect you to know your job. PERIOD. If you don’t know what you are doing you are just asking for trouble. So read and learn up like your life depended on it. Because guess what- it does.

You might also like:

Notary Public Education
http://blog.123notary.com/?p=21413

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

Share
>

September 27, 2019

Facebook comments down to almost none

Filed under: Social Media — admin @ 10:35 pm

In the old days, our Facebook used to be such a medium for Notary conversation. But, Notaries little by little slowed down their commentary on our Facebook page. Our Forum slowed down many years ago and never came back up. We might get one post per day. How sad and sluggish. Maybe on day the industry will pick up, but for now it is really slow and sad in terms of social media. I have put such hard work into blogging, Facebook and a little work on Twitter that I just feel sad.

On the other hand, perhaps there are topics that people would be more apt to comment on? The posts people comment on tend to be divisive, political and controversial and the comments tend to be rude, because Americans cannot and will not be polite discussing differences. Sad. I guess I sound like Trump saying that — but, the guy has a point.

So, let’s hope for the best in terms of Facebook.

You might also like:

7 ways to use Facebook to market your notary services
http://blog.123notary.com/?p=5396

Notaries on Facebook Groups – the blind leading the blind
http://blog.123notary.com/?p=21005

Share
>

September 26, 2019

What do you charge for Notary work & signings?

Filed under: Notary Fees & Pricing — admin @ 10:34 pm

Just out of curiousity, the market has changed since we wrote our various pricing oriented blog tutorials. Those were written from 2010 to 2016. We want to know, what do you guys charge now?

Signings
eDocuments
Extra Miles

Regular signings for general notary work.
Other

Thanks!

Share
>

September 25, 2019

Will 123notary certification get you more work and is it worth it?

Filed under: Certification & Communication Skills — admin @ 10:34 pm

People think about the financial cost of getting 123notary certified. It is only $67.95 currently. That is not a big investment. Word on the street is that get more work and about $8 more per job if you have our certification. As of 2019, I estimate that you would get about 30% more work by having our certification, and $8 more per signing according to a poll I took.

So, if you were paying a few hundred a year for a top listing, you would get 30% more out of it which might add up to about $100 extra value for advertising each year. The other way to look at it is that you might get several thousand dollars more business each year which you would have no other way to obtain. So are you gaining $100 worth of advertising or thousands in revenue? How should you look at it?

The fact is that the big investment in our certification is not the cost which would pay for itself in days in terms of the extra work you are expected to get. The big investment is time, because in addition to our cert course, we expect you to master Notary Public 101 on our blog which is a long and comprehensive guide to basic Notary procedure. We think you should already know that stuff, but nobody does regardless of what state you are in.

So, the bottom line is that you might need 20 hours of study time, but the $30,000 extra you might make over the next decade is definitely worth your time and makes your time worth $1500 per hour. What else are you doing with your time that is worth $1500 per hour unless you are an assassin. And if my math is wrong, you tell me what the correct math is. After all I am only doing an educated estimate.

You might also have an easier time rising up to a higher spot when one comes available if you have our certification. So there are multiple reasons for getting it but only one for not — laziness and a self defeating attitude. Keep positive — and get our certification today. It is good for life but you do have to pass a phone audit as well as the online test.

You might also like:

123notary certification gets you more clicks
http://blog.123notary.com/?p=22496

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

Share
>

September 24, 2019

Does SnapDocs have thin margins?

Filed under: Advertising — admin @ 10:33 pm

SnapDocs charges its users a lot per transaction. Every time you download documents, or use the system to find a Notary to dispatch for a job, it costs. The fee is based on how comprehensive the services you use for that particular job and they might have package rates. I am not an expert on what they charge, so don’t hold me to this.

But, they have expenses as well. SnapDocs is a sophisticated portal where they have huge technical expenses as well as rent, salaries, insurance and more. They are running on a margin. And I’m wondering how their margins are when business is sluggish like it is now. Their income goes down, but their expenses remain the same.

And what if they had staff turnover and the new staff lacked the mojo of the more experienced staff who understood their system and business model well, and cared tremendously about the success of their enterprise?

Snapdocs came out of nowhere a few years ago and nobody knows how long they will last. I guess we will find out.

You might also like:

123notary vs. Snapdocs
http://blog.123notary.com/?p=21258

Snapdocs – when the texts stop
http://blog.123notary.com/?p=21163

Share
>

September 23, 2019

Moving up the list on 123notary – how does it work?

Filed under: Advertising — admin @ 10:33 pm

Many people start out with a free listing on 123notary and then upgrade once they get work. When they upgrade, the best positions are not always available. So, what should they do?

In my opinion, just get the best spot that is available and then wait for a better spot to become available. But, what else do you do?

The way the system works is that Jeremy decides who is offered a free or paid upgrade and who is not. This is not done based on a personal preference, but based on stats. If you have better stats than the others in your area, you might be the first to be offered or given an upgrade.

So, what can you do to merit more points in your stats? Just get more reviews, develop your notes, ask for help, and try to get our certification (which takes a lot of studying.) Good luck and you can always email us to see what is available.

You might also like:

What is a high placed listing on 123notary worth?
http://blog.123notary.com/?p=16720

High placed listings – which ones get more clicks?
http://blog.123notary.com/?p=22116

Share
>

September 22, 2019

When can you charge for an Oath?

Filed under: Technical & Legal — admin @ 10:32 pm

If an Oath is a separate and independent notary act, you can charge for it as far as I know — I swear!

But, I believe (and please comment below if I am wrong) that you may not charge extra for an Oath on a Deposition, court appearance, or for credible witnesses.

When using credible witnesses for an Acknowledgment, you just charge for the Acknowledgment, but not for the credible witnesses. This is only for states that allow credible witnesses which is about 30 states more or less and you can look them up online.

You might also like:

When are you required by law to give Oaths?
http://blog.123notary.com/?p=21017

The Starbucks Oath Question
http://blog.123notary.com/?p=21001

Share
>

September 21, 2019

Notary Tips from Carmen

Filed under: Carmen Towles — admin @ 10:31 pm

Do your research FIRST before you buy anything.
Know the ends and outs of the notary business that you are trying to undertake.
know the difference between a notary and a signing agent. These are 2 different hats that can conflict with each other
Know what is expected of you.
Know how many notaries in your area.
Try to find out if they are busy.

Find answers to the following questions:

Is there any work in your area?
How do I get the work?
How much money will it cost me to get started?
What supplies and hardware do I need?
What license or insurance do I need?
How long will it take me to make a profit?

You cannot listen to folks who are selling classes. They have one objective-sell you their course. They will tell you what you what to hear. Keep in mind it takes quite a white to build a successful notary business. You need to market, market and market some more.

2. Make sure you know YOUR states notary laws; cold. This is of the utmost important. This knowledge is what will keep you out of
trouble. And it is far more important than loan signing. If you are a great notary you will be an exceptional signing agent.

Know what ID is acceptable in YOUR state. What to do if they don’t have acceptable ID. What if it is expired? Can you still use it?
Where to place your seal.
When can you use credible witnesses? and why would you use them?. What are they and how many do you need in your state?
Who’s sole responsibility is it to fix a notarial certificate?
When is it a must that you change the venue? Do you even know what a venue is?
Who’s responsibility is it to initial these changes?
Can you use another states notarial certificate? And if yes when?
When are you supposed to give an oath?

These two things seem to be the most the notaries argue about;

Notaries continue to argue about whether they can use another states acknowledgement or not.
They consiisting argue about making changes to the documents.

Who’s sole responsibility is it to fix a notarial certificate?
Who’s responsibility is it to initial certain changes on the notarial certificate?

You might also like:

Tips for Notaries
http://blog.123notary.com/?p=3360

How to fix mistakes
http://blog.123notary.com/?p=2231

Share
>
Older Posts »