January 2021 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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January 15, 2021

Wisconsin Acknowledgment Certificate

Wisconsin Acknowledgment Certificate Form. Wisconsin Notary Acknowledgment Form.

State of Wisconsin
County of ___________

This instrument was acknowledged before me on ________ (date) by __________ (name(s) of person(s). ____________________ (Seal, if any)

Signature of notarial officer ____________________
Title (and Rank)
My commission expires:_____

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January 14, 2021

Notaries in cars drinking coffee and ID-ing people

Filed under: General Stories — admin @ 1:12 pm

More on the Notaries in cars issue. If you do a signing where the borrower hands over some signed documents through your car window, not only is that very unprofessional, but it is hard to do notary work without some sort of table. Things can get lost or fall.

You need to see all signers face to face, even if it is outside. You need to look at them and their ID, and then write down the particulars of their ID in your journal assuming your state or your conscience makes you keep one. If you don’t get a clear look face to face at all signers concerned, you are not doing your job.

It is easy to make mistakes or miss things if you are working in an unsuitable environment. Working on a trunk is more like a desk and you might be more in command of the process. You can have a done pile and an undone pile if you work on a trunk. There is plenty of room and it is a flat surface. Assuming the wind doesn’t blow you are good.

Personally, for such an involved signing such as a loan signing, if the borrower is too squeamish to let you inside, I would cancel the signing. It is just not professional to sign in your car. And once again, confirm the signing before you go and make sure they are not sick or squeamish. It makes more sense to wear a mask and sit six or more feet away from them and do your best to make the process smooth.

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January 13, 2021

What is your commentary about the RON platforms

Filed under: Technical & Legal — admin @ 12:59 pm

There are a bunch of platforms and software people use for RON or IPEN. If you could let us all know what you like best, why, and your commentary. Perhaps you might compare and contrast one service to the other. I have nothing to say about any of this because I am very poor technically and have no experience with any of these. Thanks.

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January 12, 2021

Gender or no gender

Filed under: General Stories — admin @ 1:11 pm

I read that in Vermont, and this could spread to other states faster than Covid, that gender distinctions are not used on short form acknowledgments. Let me know, that as a Notary, your job is to identify the signer. Part of identifying them is to see the name, serial number on the ID, and gender. If you bypass their gender, you are one step closer to identity confusion.

The reason our elections were compromised is that there were a lot of mail in ballots where signatures often didn’t match, people voting 30 times, etc., By undermining the notary process even in small ways, you are undermining the purpose of having notaries in the first place.

Some liberals might suggest having a 3rd gender option for the crossover types. But, the reality is that we are born a particular gender and the chromosomes in all of our cells do not change even when we get a sex change or are transitioning.

Discussion with God

ME: God, I heard that according to Judaism, your nature encompases both genders as well as a center column energy. It’s kind of a Kabbalistic thing.

GOD: Ummm. Kind of busy right now. Can you text me?

ME: Oh, sorry, is this not a good time?

GOD: Now’s not a good time… I’m transitioning.

ME: But, you are already both genders, what is there to transition to?

GOD: During creation there is a building aspect, and then a nurturing aspect, design aspect, destruction aspect. These processes use completely different sides of my “personality.”

ME: God, don’t you mean… “Godonality?”

GOD: Good choice of words.

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January 11, 2021

Travel fees if nothing gets signed

Filed under: Notary Fees & Pricing — admin @ 10:55 pm

It is common for Notaries to go to a job where the signer refuses to sign, or the job gets cancelled. What can the Notary charge for a travel fee since he/she/they didn’t “do” anything? The answer is that the most important aspect of this issue is not what you charge but what you explain over the phone. The client/signer needs to be painfully (the more pain the better) aware that the notary’s schedule is not for free and that they have to pay x amount of dollars even if nothing gets done as well as waiting time.

It is a generally prudent policy to get travel fees in cash at the door upon arrival before seeing the signer. This is because you need to be able to be impartial and have no beneficial or financial interest in a document being signed. If your $50 travel fees is contingent on Sammy signing the Affidavit, you will be tempted to notarize it even if the ID doesn’t match completely. As a Notary, you need to not be tempted to wiggle on state notary rules, and having your travel fee in your pocket puts the power and integrity back in your pocket. It’s hard to be integrous when money is at stake.

If someone gives you $40 travel fee which includes the first 20 minutes waiting time, and then keeps you waiting more than that, since you have the $40 in your pocket, you can demand cash for the next twenty minutes or threaten to walk. People will string you along in this line of work so it is important to keep the upper hand, or as Mrs. Meao likes to say — the upper paw!

The bottom line is that communication of signing fees over the phone before the signing is the most important solution to the travel fee issue. Fail to communicate — you might not get paid at all. So, communicate not only what the client will have to pay, but terms and conditions for what gets paid when and how much. Also, be careful with checks. Signers who cancel jobs sometimes bounce checks or stop payment. It happened to me after a very time consuming jail job. I bet Mrs. Meao would have something to say about that!

You might also like:

Why are the fees offered to us so low?
http://blog.123notary.com/?p=22293

What are mobile notary fees?
http://blog.123notary.com/?p=21383

See our “fees” category
http://blog.123notary.com/?cat=2070

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January 10, 2021

Complaints on 123notary – they’re not what they used to be

Filed under: General Stories — admin @ 1:10 pm

123notary has a review system. You can write a good review or a bad review. Contrary to popular belief, getting a bad review doesn’t ruin you, but getting no reviews will… kind of. For every 20 good reviews we get about one bad review, so the reviews are mostly positive. People don’t write bad reviews much because it is mean, and because they don’t want drama. But, there is another reason.

People who make technical mistakes on loan signings get caught when they scan back the documents. They can fix the problem before it is too late. So, the loan signing and title companies have less of a reason to write you up for that. Most of the complaints we get in 2020 are because the Notary did a no-show, didn’t return the documents, or was rude.

Generally speaking if a Notary was rude, there are two sides to the story. Usually it involves a misunderstanding. Perhaps the borrower told them one thing and then did another. Perhaps someone switched a time, wants to read forever, or there are more pages or notarizations than previously stated. Or perhaps someone who is supposed to be there is not there or someone walks out and doesn’t explain why. The family might be having a dispute with each other which the notary might get involved in.

There are many reasons you could get into an argument. The best thing is to try to not react to the other person’s bad behavior which is hard. But, on a brighter note, we hardly ever get complaints about the technical skills of our Notaries.

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January 9, 2021

The appointment was booked, but the client didn’t answer

Filed under: General Stories — admin @ 1:10 pm

A Notary recently got a complaint. She accepted an appointment that had been booked, but canceled at the last minute because the client didn’t answer. As a general rule, you should confirm a signing before you commit to a time. But, if you already committed, and the other person (borrower, client, lender, etc.) doesn’t pick up, you still have to go because you are committed.

The Notary claimed that she called twice, and never received a return call. She wanted to know if anyone had traveled, or had Covid. She claimed that the client was expecting their call.

There are two sides to this story, but the Notary already committed, so it is too late to back out. Just hope that you get paid for travel time if the signing gets cancelled.

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January 8, 2021

A Notary was late to her hospital signing and got a complaint

Filed under: Marketing Articles — admin @ 1:09 pm

I am writing about complaints because that seems to be the juiciest topic of discussion and I do have a few complaints on file to discuss — no names!

The Notary was on the way to the hospital. She called to say she was behind.

The customer wrote a complaint stating the document was time sensitive and that they made a special arrangement.

The Notary explained that it was a $5 job, and that she was stuck in traffic. And besides, she wasn’t going to go in with her already compromised immune system.

COMMENTARY
In my opinion, it looks like the Notary didn’t want to do the job in the first place, yet agreed, and agreed for far too little money. I would charge $80 to do a signing at a hospital. You are dealing with delays, family members, ID issues, signers who might be drugged, and more. The Notary has no business accepting this type of job to begin with if she has a delicate immune system.

And words of wisdom — if you have a weak immune system, go to India for a few weeks — it’s like magic. If you don’t die, you’ll have an immune system made of cast iron (or since it’s India then “caste” iron.) You might get dyssentary, vomit for a week, or have horrible cramps, but your T cells will multiply by three because they will get a lot of action over there with all of the different bacteria cultures and viruses. You don’t increase your immunity by hiding, you get it by sunshine, fun and encountering lots of different types of viruses. Oh, and also having shitake mushrooms — look it up.

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January 7, 2021

A step by step guide to RON

Filed under: Technical & Legal — admin @ 12:56 pm

I am watching more videos on RON to try to learn more.

There are different types of portals. Some portals farm out work to you and pay you once a day or so. One lady made $5 per notarization, but got a lot of quantity providing she was quick on the draw when jobs were dispatched or made available.

Other portals allow you to bring your own clients from wherever you found them, or clients your boss gave you. There are also portals where you can bring your own clients or notarize theirs for a cut of the total money. Here are some of the specifications and steps involved.

(1) You need an online commission (not all states allow this)

(2) You need an online seal

(3) IDENTIFICATION. The portals will verify the signer’s identity by seeing a photo of the front and back of their ID and also by asking them questions based on their credit information that supposedly only they (or a really good identity thief) would know.

(4) PAYMENT. The Portal will have a system to input the signer’s credit card information.

(5) THE DOCUMENT. The Notary can start the session after the ID and credit card have been inputted. The notary will see a video of themselves and the signer. The notary can enlarge or turn the ID using tools and compare it to the signer. The signer can also see the Notary’s information. Both parties can see the document on your computer.

(6) SIGNING. The signer can fill in the blanks and sign and date the document from here on. The signature can be drawn, typed or a scan can be used. The Notary can then fill in the venue, certificate wording, and then sign and seal the document.

(7) Last, you can click the complete the session button.

Some portals charge to get set up, while others like OneNotary do not charge up front for Notaries to get started with them.

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January 6, 2021

An outdoor signing with old folks

Filed under: General Stories — admin @ 1:08 pm

I just read an accounting of a story about a Notary who did a signing for some oldsters. They signed at an outdoor table, but there were no chairs. It was freezing cold and the Notary was getting tired of leaning over the table as the signers read all of the 200 pages. The notary concluded that she would never do that type of signing again.

COMMENTARY
It is dangerous to be out in the cold for a long time especially if you are a vulnerable old person. So, by trying to stay safe from Covid, you end up compromising yourself. Covid-19 spreads lightening fast not because you aren’t wearing a mask, but when it is cold. South Dakota had no problem for nine months and then the minute the weather got frigid it spread out of control. But, what goes up, must peak and come down. They peaked in early November and now their new infection rate has gone down a lot.

By being outside in the cold for a prolonged period of time you might be increasing your chance of getting Covid or the flu. This kind of stupidity just defies common sense. Back in my day, old people had a monopoly on common sense. I guess times have changed.

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