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May 14, 2017

Million dollar E and O?

Filed under: Carmen Towles — admin @ 10:10 am

So it seems that their is a signing service sending out emails to all of the notary signing agents in their data base, informing them that for $100 each they can buy into their companies million dollar E and O policy. I have been asked to weigh in on this. My initial reaction was how odd it was and many questions come to mind. For one, I am not sure that it is even possible for a group of notaries to be under one policy. (I put a call in to an E and O provider at the time of writing this blog and I am waiting for my answer. If any of you veteran notaries know, please post it in the comments section below.) Also, all notaries are independent contractors. They have their own business, and we all work and reside in different states. Another question came to mind; would your name be listed among all the others who buy in under the policy? And would all notaries receive an actual policy? Unfortunately, the email that folks received did not answer any of these questions. What I can say, (and i mean no disrespect) is that on the surface it looks like this signing service is trying to get a little help from the notaries paying their E and O policy. I imagine a million dollar policy is very expensive. If the signing service wants to weigh in that would be great. I believe they are a member of 123.

I never understood the demand from these signing services for such high amounts in the first place. E and O for notaries covers errors and omissions (like forgetting to sign, wrong date, incorrect venue, etc) ONLY- nothing more. In this case of a million dollars, I cant imagine that that these types of errors would even come close to this high dollar amount. And typically, errors are caught before they even have a chance to turn into a problem.

I’d love to hear what you have to say about this…

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May 12, 2017

Indian Notaries having an arranged marriage

Filed under: Humorous Posts — admin @ 9:40 pm

In America, people date, get to know each other, get to know each other’s bodies, and then get married, have kids and then get divorced. The process makes sense to Americans. But, the order of steps is reversed in India. From an Indian point of view, you determine (the elders determine — not you) if the two people are suitable for each other in the long term. They look at caste, what the parents do, family values, level of education, personality, and last but not least they ask,

“May we see the girl walk? Please turn around, could you walk down the hallway once more?”

The sad truth is that what Indians call “love marriages” which is where two people fall in love and then get married — are happier the first several years; But, arranged marriages are happier in the long run. This of course depends highly on who arranged the marriage and based on what criteria.

MADHAVI AUNTY: Hello, we feel that your son Arvind would be a suitable match for our little Angeli.

MAHESH: Yes yes, I’m basically agreeing with you. After all, we are both from the Nair caste, the parents are Notaries, the children are Notaries, and when they have children, their children will be Notaries. None of us drink, smoke, or use any bad language other than uttering the word “Jurat.”

MADHAVI: Please, there are children here! Yes, I’m basically in agreement here. And our families have known each other since we were commissioned originally several decades ago it seems, so it is like we are already married in a sense.

ANGELI: Do I have any say in this? After all, it is I who will be married.

MADHAVI AUNTY: Stay out of this!

SUJATA AUNTY: May we see the girl walk? Oh, and we need to wrap up this whole marriage thing ASAP because chai will be ready in five minutes.

ANGELI: Don’t I need to sign something to get married like a marriage license or marriage agreement? Actually, I have it here on my iPhone — it is called an Affidavit of Nuptial and Matrimonial intent.

MAHESH: And we could get it notarized too! You’ll be signing your life away — literally. But, don’t worry, Arvind really brings home the bacon.

ANGELI: Please, we are Hindu and don’t eat bacon.

MADHAVI: That is just an expression. I think Angeli’s document idea is only for… well, you know. People of the same gender who want to…

ARVIND: I would like to call the marriage off because Angeli refused to like me on my Notary Facebook profile. Also, her moon is not rising in her astrological chart, and mine is — my astrologer says that will cause long term incompatibility.

MAHESH: Just as long as your Mars is in alignment, you will function together.

ARVIND: Mars is for working relationships, not for love. And we would need an acknowledged statement from the astrologer that her moon isn’t rising — or at least isn’t rising until her commission expires.

MAHESH: If you want your love to work, then love IS a working relationship.

ANGELI: Good point. So, how many minutes do we get to know each other before I take my Oath of Office as secretary of the interior and chief minister of chapatis?

SUJATA AUNTY: First of all — let’s leave LOVE out of this; And let us older folks handle this. We have been through more life than you have and know more about what can go right and wrong in a relationship. If you want your love to work, there needs to be a basic foundation of compatibility and similarity. So, Arvind, what types of Notarizations have you done?

ARVIND: Mostly Power of Attorney and banking documents. I did corporate documents for many MNC (nulti-national corporation) and BPO (business process outsourcing) for an NRI (non-resident Indian) from USA. A few loans and construction documents. Someone was building an ashram and the guru needed a loan.

SUJATA AUNTY: Oh, good good. That is very good. Since I’m Indian, I understand all of your acronyms. But, I heard that some of those banking documents were part of an outsourced package from America. Trump will put an end to this work coming to India.

MADHAVI AUNTY: You are right! Decreased work load for the next four years? The marriage is off!

ARVIND: But, we have known each other for a whole 10 minutes. I feel like we are married already! And my father is a millionaire, so we’ll be financially set in any case.

MADHAVI AUNTY: Oh. In that case, we’ll check bank records in the morning and sign the papers after chai.

ALL: It’s a deal

MAHESH: We’ll need notarized copies of the bank records too. What Notary procedure do we use in that case? Certified copy by document custodian or a Jurat where we swear to the authenticity of the copies?

SUJATA AUNTY: They are both the same thing under a different label. Both are just Jurats with sworn Oaths.

ANGELI: It’s my marriage after all which according to Bombay Notary law would be a joint marital commission. Once again, do I have any say in this matter?

ALL: No!!!!!

You might also like:

Notary Indian tandoori restaurant
http://blog.123notary.com/?p=16497

The Notary Dating Show
http://blog.123notary.com/?p=15312

Foreign Intrigue
http://blog.123notary.com/?p=17107

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May 11, 2017

Notarize App turns your iPhone into a medium to get notarized!

Filed under: Identification For Being Notarized,Public Interest — admin @ 10:24 pm

On the road? Need to get notarized in a hurry? Well now you can! If you have an iPhone and the notarize app, you can just get notarized over the phone. Eliminate the hassle of trying to find a Notary at the last minute. This has been legal in Virginia since 2011. Just go to your App store and get the notarize app today! You can be notarized using your phone in any of the 50 states plus Washington DC.

Virginia is trying to be modern which is probably why they allow this. However, the lack of personal appearance ruins the whole point of requiring a notary!

Just upload your document using email, cloud or dropbox, or other app with similar capabilities and then prove your identity by taking a photo of your ID. Never mind that 100 signing companies also have a photo of your ID and can claim to be you! Then, you can be connected on video “face to face” (or non-face to non-face) and then the notarization will take place. There is a $25 fee per notarization and the app is FREE.

Next year they will probably come out with the Marriage App, where you can marry a nice Russian girl (no questions asked), the app will process immigration paperwork and even find a flight for your new honey to board to come to the United States. If you don’t like her, just use the new app called SwapWyfe and get a new Russian beauty (who looks good without make up).

You might also like:

See the original Notarize App article
https://9to5mac.com/2016/02/04/notarize-licensed-notary-iphone/

New Notary Apps that you really need!
http://blog.123notary.com/?p=9797

FASS has a brand new app
http://blog.123notary.com/?p=17477

See our string on appshttp://blog.123notary.com/?s=apps

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May 10, 2017

Notary for a USA President Candidate

Filed under: Ken Edelstein — admin @ 8:40 am

The call comes in for an urgent notarization. We need to file some important paperwork within the next 2 hours; can you positively guarantee arrival within that timeframe? Knowing the 5 star hotel was only a mile away I replied “sure”. Oddly, for an “individual” request; the caller stressed that the notarization had to be “absolutely perfect” and withstand close scrutiny. I assure the caller that my work would stand up to any examination; and that I required “Govt. issued photo ID” and acceptance of the standard oath given by Notaries. “A by the book Notary is exactly what we require”; please be sure to be on time.

The caller had identified as an aide to the affiant, but assured me that the affiant had a driver license that was current. May I speak to the person signing, I asked. Sorry, no; however we will prepay on your web site your fee; and I can assure you there will be no problems. Moments later the familiar “ding” comes from my phone – the sound of a PayPal payment. Figuring “movie star”, I depart for that rather expensive hotel. Traffic was kind and I arrived within an hour.

Manhattan has many celebrities, and a tiny fraction of them have called upon my services. But I was unprepared for the scene upon my arrival. There were barricades around the hotel entrance and a large police presence. Not the usual police, these had the big guns and riot gear. Groan, how would I ever get into the hotel? I never suspected they were there to protect my client! I did not even know the client’s name – yet. The one thing I did have was the room number.

Stopped at the security perimeter, I was asked my business at the hotel. I explained that I was a Notary Public with an appointment to go to room xxx to notarize a document. Someone in plain clothes is called over by the uniformed officer. That person talks into a device, and a moment later I am cleared past the outer barrier. The polite person follows me into the lobby. “I will need to inspect your bag” – fine, it’s just notary supplies. A very detailed search is made. “To go to room xxx I will need to search your person”, “it will be a very complete search of your body, do I have your permission to search you?” – “do you have any weapons?” – I have no weapons, go ahead. I am taken to a small room off the lobby. The agent proceeds to very thoroughly search me, hat to shoes; making sure there is nothing anywhere on my person that is a weapon.

After the search I am escorted to the door of room xxx. Behind the door is a bank of computers and a full staff busy at work. I am taken to a desk and told to wait. A few minutes later the aide who initially called me hands me my fee (again) – this time in cash. I reply that my fee has already been paid. This is extra for the delays in granting your clearance. We also ask that you do not disclose to anyone who you will be notarizing or the nature of the document. I agree, and am asked to sign a non-disclosure document; I read it and sign it.

A few minutes later in walks a person wanting to become President of the United States. That person gives me a warm greeting and actually asks if I would like some coffee! I decline citing that it’s bad procedure to have liquids on the same table as documents. A warm smile and a chuckle – followed by “of course, that’s a good policy”. The notarization proceeds in a routine manner with ID, signing, oath and notarization (with embossing). Afterward, the aide hands me a paper cup of coffee and walks me out past the security screen. That’s all I can say.

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May 9, 2017

When do you cut clients?

Filed under: Best Practices — admin @ 7:35 am

Most Notaries either want to get more clients, or don’t want to bother with marketing because they have “enough” clients. Some Notaries have too much work and don’t have time to sleep. All three scenarios are classic cases of mismanagement. Being a Mobile Notary is like having a hotel. Hotels have rooms, you have hours. Both are in limited supply and you never know what type of last minute requests will come in.

Discounts for early booking.
If you have a pricing formula (few Notaries have formulas, but all should) you might consider charging less for people who book in advance and don’t cancel. That way you can plan your day effectively. Waiting for last minute calls is hectic and unpredictable which means you would make less average money in a 24 hour period.

When to cut clients?
If you don’t have enough clients, you are stuck with whomever hires you. If you don’t have enough experience, reviews, or didn’t pass the critical certification exams that people want you to, you won’t get as much business. It is your fault if your business is slow due to your own deficiencies, so do something about it. Cutting clients comes when you are at 80-100% of capacity. A Notary or hotel cannot book at over 100% capacity. If you work 60 hours a week, then your 100% is having all 60 hours booked (and having your notary conference hour/room booked.)

Who to cut?
Instead of refusing service to particular companies, it usually makes more sense to raise their rate. That way you make it worth your while to put up with their nonsense. Companies that are:

1. Inconsiderate — jack their rate up 10%
2. Pay Late — make them pay in advance with paypal (weeds many out)
3. Cancel more than 20% — jack up their rate 20% or have them paypal a non-refundable deposit for part of the costs.
4. Have really long packages — jack up their rate 10%; Long won’t kill you as much as the other problems.
5. Didn’t explain the loan to the borrower enough — jack up 25% (results in long phone calls while you twiddle your thumbs.)
6. Don’t pay enough — jack up according to your formula
7. Fax Backs — charge based on time and resources spent.

Ideally, to have a happy mobile notary service, you need to develop a large enough clientele that you can pick and choose. That way you can get rid of the annoying clients and still have enough left over. Most business these days is low-ball. However, experienced Notaries have been telling me that they have more than enough business paying a reasonable amount.

To have your cake and eat it too, having high paying, easy to work with companies, you need to be the best. So, I encourage you to pay your dues, get more experience, get reviews, certifications, have an amazing notes section, and you will do better. The most important bottom line is that advertising is the seed of business. Once you have developed loyal clients over the years, you will rely less on advertising and more on connections. It takes time and quality work to develop connections who rely on you. So, be patient and keep giving this business your all.

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May 8, 2017

Is Trump to blame for a Notary slowdown?

Filed under: Marketing Articles — admin @ 8:29 am

If you ask Carmen, Trump is to blame for just about everything. But, my broker has a very interesting opinion. The public has faith that Trump will cause a rise in the economy and business. Businesses will be borrowing more, doing more, and banks will have more freedom. Already rates have risen a little bit. And when interest rates rise, the economy does better (or vice versa), but Notaries get less Refinances. Hmmm. So, do we win or do we lose with higher rates.

Conversely, since I’ve been in this industry for a while, I’m not intimidated by higher interest rates. This is because I know that what goes up must come down, and when it comes down, 123notary will get a flood of new business and revenues!

Additionally, if Trump taxes imports from China and other countries, that means that the dollar will gain value. Additionally, if the result of taxing imports causes recessions in other countries, foreigners will invest more in the dollar causing another gain in the dollar. This means lower oil costs, a decrease in the price of gold, and other economical changes.

In the long run, we might have a bull market for a few years. But, Trump or no Trump, the world is headed towards an economic collapse as too many governments have maxed out their credit cards. When the crash comes, we might have negative interest rates or really low rates. People will finally be able to refinance, but God only knows if there will be jobs then. Hmmm.

In the mean time, my advice doesn’t change. Be at the top of your game and don’t worry about the market. It goes up and down and nothing stays the same. Just do your job and make American Notaries great again!

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May 6, 2017

Snap Docs, who and what is it?

Filed under: Carmen Towles — Tags: — admin @ 10:08 am

Frequently, I get questions about Snap Doc’s. Many ask, who are they? What do they do? How much do they pay? How do I sign up? How did I get into their data base, I never signed up? and so on.

For the most part quite a few notaries think they are a signing service and that they hire notaries. This is not the case. SnapDocs is a platform. It is a website designed for ‘signing services’ to use to streamline the notary hiring process. Snap Docs relies on signing services to signup and pay to use their database of notaries. Word is that fees for the signing companies range between 8 and 15 dollars. If you are a notary you can signup for free and upload your credentials which are verified by Snap Docs for authenticity. Once this process is complete your profile is viewable by hiring parties when they have a signing in your area. Sounds good, but in my opinion, there is several problems with this platform. Many of the signing services that use the site have some of the worst reputations in the industry regarding fees being offered for signings and receipt of payment takes a very long time (if they even pay you and Snap Doc’s will not help you collect if they don’t). It also seems the signing services are passing the cost off to the notaries because the fees offered are at an all time low. There is another concern. When a job is offered, it is offered to several folks via text usually all at one time and the text has very little detail regarding the signing. So you may not know what you are getting yourself into. Also, most notaries don’t like job request via text because if they are driving it is inconvenient and dangerous. I personally consider these ‘cattle calls’. Most of these companies are looking for the cheapest notaries and because they text many notaries at one time, whomever accepts the low fee first gets the job. It may be convenient for them but it is really inconvenient for us notaries in so many ways. Gone are the days when folks want experience. Its about how low can you go.

Another concern voiced by many notaries is that they never signed up but don’t know how they got on the sites database. Some have suggested that Snap Doc’s has gone onto sites like 123notary.com, notary rotary, and others and added notaries without their knowledge or permission. Another complaint (and a serious one in my opinion) is that they have a secret review system for the signing companies to be able to rate notaries without the notaries ability to view the comments or rating about them. In other words it is ‘for signing services eyes only’. I’ve been told that its uses a ‘thumbs up or thumbs down’ rating system for notaries that translates into a percentage. The worst part is, you don’t have any way to defend yourself from any negative feedback; truthful or not. I guess we weren’t even supposed to know that the review system even existed. I guess they didn’t realize that the signing services, many being notaries themselves would let the ‘cat out of the bag’ and let us know that the services had this ability to rate us. Many notaries have expressed anger and disbelief that this was not disclosed. And several have been asked to be removed. I personally think that this may be illegal. Some of you that are attorneys or have legal aid might want to weigh in on this.

I had personally signed myself up awhile back to see if it generated any decent work but the annoying texts with the low ball fees drove me crazy. For example; 60.00 for edocs docs and faxbacks, seemed to be the norm. These fees are insulting to say the least. So I asked Sap Doc’s to delete my account immediately and they did. I made the decision to stop working with anybody that doesn’t value my level of experience. I primarily only accept jobs from reputable companies, especially title and escrow. And just so you know, they STILL do call and use notary signing agents. I am living proof!

I’d love to here your experience with Snap Doc’s. Leave them in the comments section!

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May 5, 2017

Inflatable NotaryInflatable Notary

Filed under: Humorous Posts — admin @ 8:25 am

One lady was so attracted to Notaries! Every time she saw a Notary she said, “God, you are so sexy. You are the perfect man. I will call you Notary-Man.” Everytime a fireman went by, male model or body builder she would ignore them, but her eyes were glued to all of the Notaries. But, no Notary would date her to her dismay. Out of frustration she looked online to see if she could buy an inflatable Notary on Amazon or Ebay. No such luck. So, she created her own online store to sell inflatable Notaries. She produced 200 to keep in stock. Her only sale was for a children’s birthday party where the parents were Notaries. So, this lady’s house is filled with 199 Notaries.

I asked one of the Notaries if they could Notaries me with that seal they were holding. The lady asked, “Do you have ID?” I said, “No.” Then, I noticed the Notary doll deflating before my very eyes. They lady said, “I guess he feels deflated because you don’t have ID. Now, he can’t do his job!”

But, I claimed that he WAS doing his job by saying no! Then the lady said, “Okay, in that case, I’ll blow him up again!”

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May 4, 2017

Where can I find a Spanish Speaking Notary?

Where can I find a Notary who speaks Spanish?
Look no further. 123notary.com has many Spanish speaking Notaries on board. Just look up a Notary by zip code and then use the language filter at the top right of the site. You can enter in the name of any language such as Spanish, Japanese, Vietnamese, American Sign Language, or more! In fact, we have Spanish speaking Notaries in almost all states and metros by the dozen! Additionally, we have a search filter directly above the search results where you can check the Spanish box and find only Spanish speaking Notary service providers.

How good is their Spanish language proficiency?
On 123notary.com, we have many Notaries who speak Spanish. The degree of fluency varies from Notary to Notary as some are conversational while others are native speakers. A handful are from Spanish speaking families who grew up in America and might be excellent at conversation but not as proficient at business oriented communication. So, test your Spanish speaking Notary out over the phone to make sure they are up to your standards before hiring them!

Notary Spanish — Attorneys vs. Non-Attorneys
Please be advised that Notaries in the United States are seldom Attorneys and non-Attorney Notaries may not give legal advice. Most Notaries are also not authorized to draft legal documents. There are affordable legal support centers where they can help you draft documents. Please make sure that your document is completely drafted before contacting a Notary Public from 123notary.com.

Immigration Advice
Notaries cannot give advice about immigration matters unless they are specifically licensed to do so. For immigration questions, please contact the proper authorities.

Notarizing in Spanish?
Notaries may Notarize a document that is in Spanish, however the Notary wording would be in English for the notarization. Some states require the Notary to be able to understand the document. Other states require the Notary to be able to communicate directly with the borrower in any language they both can communicate with. Please learn the laws of your state and how they apply to notarizing foreign language documents. The actual Notary wording must be in English if it is to be notarized in any of the 50 states in the USA. Each state has their own official Acknowledgment and Jurat Notarial wording which the Notary is responsible for knowing. The Notary wording can be included at the end of the document. However, the Notary can also staple a loose certificate form to the document and affix their seal to that certificate after it has been completely filled out. Signers will be required to sign the Notary journal in states where Notary journals are used (which includes most states.)

Oaths in Spanish?
Some Notary acts such as Jurats, Oaths, or other acts that include Oaths such as swearing in credible witnesses require the Notary to administer an Oath. An Oath for an English language document or Spanish language document can be performed in the language of your choice. If the signer or affiant feels more comfortable in Spanish and the Notary knows Spanish, you can conduct your Oath in Spanish.

How can I get a Spanish language document notarized?
As stated above, some states require the Notary to understand the language of the document while others don’t. However, the language of the notarization itself would be in English. You can find a notary on 123notary who speaks Spanish to assist you in this matter. Just visit our Advanced Search page and look up a Spanish Speaking Notary by zip code!

You might also like:

Find a Notary — who provides 24 hour service on 123notary!
http://blog.123notary.com/?p=4635

Power of Attorney Notarizations
http://blog.123notary.com/?tag=power-of-attorney

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May 3, 2017

The whole purpose of being a No-tary is to say No!

Filed under: Technical & Legal — admin @ 10:17 pm

In France, the officials love saying no just for the shear pleasure. One American was pulled over in France and asked the officer why he was pulled over. The officer replied, “Because, I can…” Notaries are in such a hurry to please their clients, they forget who they really work for which is Uncle Sam… on a state level that is. Notaries at a Notary office make their money in Notary fees and not in travel fees so there is no conflict of interest. But, Notaries who want to make a good living in the over-competitive field of mobile Notary are so motivated by keeping clients, that they forget the whole reason for their profession which is to say — no!

If a man says maybe it means no. If a woman says no, it means maybe. But, Notaries need to be a little less wishy-washy. You are protecting the integrity of very large transactions here. Allowing something to slide could enable a fraud, and you might have no idea who the fraud was as they might seem like a very nice person at first. Here are some situations where you should say No! (and loudly)

1. The ID says John Smith, but he wants to be notarized as John S Smith because that’s how his name reads on title.

2. The signer’s ID is expired and your state doesn’t allow expired ID. (some will allow up to five years from the issue date.)

3. The affiant refuses to swear under Oath.

4. You are asked to put a different date on the Notary certificate than the date of the signing.

5. The borrower will not or cannot appear in front of you at the time of the Notariztion

6. The signer is in jail and his girlfriend need you to notarize him without ID. “But, he has a wristband” she says…

7. The Lender asks you to mail in a “loose jurat” and says it’s okay because they do that all the time.

8. Notarizing individual pages of multi-page documents

9. Notarizing a thumbprint

10. Notarizing a vital record

11. Notarizing a photograph

12. Notarizing a document with blanks without crossing out or filling in the blanks.

You might also like:

See our Just Say No String
http://blog.123notary.com/?tag=just-say-no-2

Are you a yes-tary or a no-tary?
http://blog.123notary.com/?p=16626

ID — a growing problem
http://blog.123notary.com/?p=15074

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