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December 3, 2017

Oath, what oath?

Filed under: Carmen Towles — admin @ 10:48 am

So it has come to my attention and honestly to my surprise that most notary signing agents don’t give oaths. And whats even worse they don’t seem to know that it is part of the job. (btw, I give them regularly) I asked those that don’t, “Why not?” Most replied that, ‘they aren’t required to give oaths in their state’ and others didnt know anything about them at all. Really? Then I went on to ask, “Don’t you know that most sets of loan documents have a few documents in the loan package that require an oath be given?” Such as, for example; the signature name affidavit, correction agreement? And that all ‘jurats’ certificates require an oath. Most tell me that they were never trained that this was necessary. But, here and now I remind you that It is part of your job description. So it may be time to get those handbooks out for your state and take another look. Just remember that anytime you see the notarial wording that begin with, “Sworn or affirmed before me”, will always require an oath to be given. And it should go something like this: ‘Please raise your right hand. Do you solemnly swear or affirm to the truthfulness of the document that you are are about to sign?’ Feel free to make your own, this is mine.:). They undoubtedly will say yes and you can proceed with having them sign the document, Remember these documents typically require the signer to sign in front of you. (If they have signed the document already you can have them resign in front of you or use a fresh copy) State notary law regarding this may vary.

Now, I have never heard of anyone getting in trouble for not giving an oath. But it is part of your job. And it could have the potential to render your notarization void if a judge asked you if you gave the oath and you didnt. So it is better to know what your duties are and do your job. It is better to be safe not sorry.

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December 1, 2017

A Notary guest speaker gets harrassed by students

Filed under: Humorous Posts — admin @ 8:20 am

A Notary who was big on Notary education and prudency went to lecture for a bunch of college students. Back in her day, students were interested in learning. But, the students of the day were only interesting in heckling and harrassing her mostly about false accusations and politically correct nonsense.

Mrs. Hucklesworth spoke about the importance of Oaths for a few minutes. The crowd immediately started booing and told her that Oaths were a form of tyranny because they were under God and how they didn’t believe in God. Then Mrs. Hucklesworth told them that there was an alternative called an Affirmation which was made on your honor. The students booed again because they claimed they had no honor. Some crowds are just hard to please.

Then she spoke about the importance of having good ID. A member of the crowd said that ID’s were a form of tyranny because black people couldn’t get an ID on voting day. Then Mrs. Hucklesworth explained that nobody could get an ID in certain counties on voting day black or not, but that they could get one on other days.

Mrs. Hucklesworth: Young man, do you carry an ID?
Loudmouth: Of course I do
Mrs. Hucklesworth: Then you are partaking in tyranny yourself!
Loudmouth: I guess you have a point. So, can you notarize me then?
Mrs. Hucklesworth: I am not a practicing Notary any more my dear child!

Next, the topic at hand was variations on a Power of Attorney. A feminist asked if there were a Power of Maternity. Then another feminist said that would be sexist because women are capable of doing a lot more than just being a mother. Then a third feminist said that if all females thought like that, then the human race would die out! Then, there was a variation on that document for people who live in fear called a Cower of Attorney.

Finally, the talk degenerated into a discussion about thumbprints. Finally, the crowd was happy as Mrs. Hucklesworth handed out NNA inkless thumbprint pads to the crowd and they started thumbprinting each other. The proceeding looked more like apes playing with a new toy at the zoo, but at least happy apes.

The moral of the story is that the talk went well by 2017 standards because the studends didn’t try to drown the speaker out with noise machines. For people who love freedom of speech so much, why would you use noise machines? That is the line that separates liberals from leftists. Liberals like the idea of a free discussion of ideas and will entertain any idea no matter whether it is offensive or not to them or their peers. Liberalism seems dead in America and more tolerated by Rightists at this juncture in history which is ironic — don’t ya think?

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November 30, 2017

Why are older Notaries so argumentative?

Filed under: Certification & Communication Skills — admin @ 3:44 am

One of my clients who hires Notaries says there are three types. The new ones who know nothing but want to learn. Those who are six to twenty-four months in the business who know a lot and are still trying. That client thinks that after two years people stop wanting to learn. My take on the situation is that after four years people stop learning. So, what happens after people’s will to learn atrophies? They get worse and forget things.

Older Notaries forget more every year and their attitude gets worse too. I just had a Notary with 24 years experience argue and argue and argue by email with me. If she wants to get ahead on 123notary, you get ahead by proving your knowledge and good attitude, not by fighting. The other problem is that with age, people get a little nutty in the head and cranky. So, old Notaries can sometimes be some of the worst.

So, what is the solution? Old Notaries cannot become new Notaries. However, can an old Notary learn the spirit of a New Notary? Can they make a new beginning?

This reminds me of the saying that there are old pilots and bold pilots but there are very few old bold pilots.

Carmen and I are trying to get the older Notaries to go back to the books and study more. It only works when we spoon feed people, because Notary old wants to study. But, during a discussion with Carmen I realized that we are part of the problem.

I started this business when I was thirty with great dreams, spirit and a desire to make a huge impact on the world. I had no idea what would happen, but I had a ferocious work ethic that kept me going 70 hours a week every week. I am 48 now and believe me I do not have the energy to do more than 40 hours a week. At my age I have learned the art of efficiency because I don’t have the energy or the will to do what I did when I was thirty. I admire the person I used to be and I admire the skills I have learned in the past eighteen years. I have really grown up, but I have also become a cranky old man in the making. So, how can I too learn the spirit of young Notaries?

Our whole site 123notary has the spirit of old Notaries. Our high placements are almost exclusively owned by cranky old Notaries. Carmen and I are cranky and old. We need some hard working new people with some spirit. Where are those people? Oh, and by the way they have to pass my test too which narrows it down.

The Notary profession is one that appeals to those who cannot get a real job. That is why we have so many apathetic people who don’t cooperate. To succeed in this business you cannot be that way. You have to be responsible. Where are the people who are responsible, and study and succeed?

Maybe I need to take some time off and try to re-become what I was when I was thirty. Do something by going out on a limb not knowing what the final outcome would be but basing my risk on pure desire, commitment and hope. It’s not a bad way to begin. America began that way.

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November 29, 2017

Creating a root from nothing

Filed under: General Stories — admin @ 3:45 am

How do you create something from nothing? How do you create vast prosperity where there is nothing? Sometimes I ask myself how the native people’s of South Dakota can create a prosperous economic ecosystem where there is 90% unemployment. Can they do it? It starts with a seed.

Notaries can start from nothing and thrive too. It is a matter of getting knowledge and connections. When I started as a Notary, I did not know the right people to help me. However, as a resource, 123notary helps tens of thousands of Notaries get off on the right foot. With us you can go from nothing to thriving in a very short period of time.

You basically need to become an expert at all parts of notary procedure, loan documents, following directions, scheduling, and then grow your clientele.

Nothing starts from nothing. You need a seed, and fertile ground to grow. By connecting to resources out there like 123notary, Notary Rotary, the NNA, etc, you connect your root to nourishment that gives you knowledge and connection. If you plug yourself into the right outlet and study, you can thrive easily.

Unfortunately, most Notaries want to refuse to study enough and do a lot of complaining. That does not lead to good results. Don’t be like that. Stay positive and disciplined!

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November 28, 2017

Five things a Notary must do

Filed under: Technical & Legal — admin @ 3:46 am

This article is sort of like — how to be a notary in a nutshell. But, if you were a Notary in a nutshell, would your seal fit in the nutshell? Notaries are a bunch of nuts anyway, so they probably were inside a nutshell at some point in their evolution. In any case, what does a Notary do?

1. Identify
2. Journals
3. Filling out certificates
4. Giving Oaths
5. Understaning the difference between a legal and illegal request.

The most important thing a Notary does is to identify the signer and make sure they are the one who is intended to sign the document. Many Notaries take liberties identifying people which is dangerous and could come back to them. There are fake ID’s and people who impersonate others with the same name or variation of the same or similar name. If you think this will never happen to you, guess again and then you will understand the reason why the Notary profession exists — to deter fraud and safeguard transactions. If you are not safeguarding transactions through proper identification, you might as well not be a Notary.

Not all states require a journal, but if you are in front of a judge or FBI agent and don’t have a journal, you will be in a ton of trouble. So, there is more than just your sec of state to be accountable to. You need a journal in case there is an investigation and if you don’t keep on, you should not be a Notary. Period!

Filling out certificates seems easy enough. But, what if there is a snag? What if the certificate was filled out by the lender and one of the signers cannot show up or what if the state is wrong? Then, you have to make a change. But, what if you don’t know who initials the change, or forget to initial altogether? Then, you will be in huge trouble and will deserve it. What if you don’t know how to add a loose certificate with a staple to a document and fill out the “additional information” section. If you don’t know, then you are taking a huge risk being a Notary. That is mandatory knowledge.

Giving Oaths is something Notaries are generally legally required to know, however, no state audits people’s Oath giving abilities. The result is that 70% or more of Notaries do not know how to give an Oath. Some rely on their cheat sheets, but not knowing how to give an Oath off the top of your head is as ignorant as needing to consult a manual every time you tie your shoe. A real notary would not need a cheat sheet.

Knowing what is legal and not is a must. Different states have different laws. By rejecting legal requests, you are no longer a Notary Public, because a Notary Public accepts all legal requests from the public. Most Notaries reject legal requests on the basis that they don’t feel personally comfortable with the fact that someone already signed a document to be acknolweged or that the document is in a foreign language. In California, the document can be in Slobudian. You are notarizing the signature not the language. Then, the very same notary who declined a legal request will stand in line to do something completely reckless and illegal out of carelessness or stupidity like mailing a loose certificate in the mail simply because — it’s okay because the Lender told me it was okay or, it’s okay because I always do that. Always doing something doesn’t make it legal or safe! The law decides what is legal and acceptable — not you!

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November 27, 2017

How do you get reviews if you have multiple listings?

Filed under: Reviews — admin @ 10:39 am

When people want additional areas on 123notary, there are different ways to sell it to them. I can put another area on their basic listing and give them high placement in that other area. Or, I can sell them a completely new n# in another county. The people who get a separate listing tend to renew these spots more in the long run. However, they get mad because the reviews from the original listing do not show up. So, what is the solution?

As I am looking for unique content on each listing, I want reviews to be organic to each listing. When people copy the reviews from one listing to another, the dates show up from the date they did the copying. Having five reviews from December 14, 2015 looks very cheesy. So, I allow the Notary to copy their favorite review. And I will copy another review on another day. That way they can start with two reviews that do not show up on the same day. Additionally, since these reviews are the best two out of how ever many they have, those reviews will carry a lot of weight.

A well written relatively current review is worth a lot more to the users than some dried up review from 2012. People will think you are washed out if you only have old reviews. So, having two new reviews is worth a lot. Then, you can get some new organic reviews on top of that. You only really need six reviews to do well on 123notary. After six, the return is very marginal if any.

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November 24, 2017

A Notary from Florida travels to India

Filed under: Humorous Posts — admin @ 10:53 am

A customer went to a Notary in Florida.

CUSTOMER: I need to be notarized. Can you notarize me?

FLORIDA NOTARY: Sure I can. I just need a document.

CUSTOMER: Here is the document.

FLORIDA NOTARY: You already signed it. I cannot notarize it.

CUSTOMER: That’s not what the law says. Notaries are required to know their state laws. And anyway, you can verify the signature when I sign your journal.

FLORIDA NOTARY: But my state doesn’t require me to keep a journal.

CUSTOMER: What if I give you a fake ID, steal a million dollars from Fred’s house, and then disappear. You are the one who will be the suspect in court because you have no evidence to defend yourself. You became a Notary to make a few extra bucks and now look what happened.

FLORIDA NOTARY: I don’t think I feel comfortable notarizing you.

CUSTOMER: I don’t think I feel comfortable being notarized BY you.

(one month later)

Mr. FIBBS: My house was compromised and I’m out a million dollars. You were the Notary who notarized the transaction. The FBI is investigating and we need to see your journal.

FLORIDA NOTARY: Oh, I don’t keep a journal because my state doesn’t require me to.

FBI: Mr. Florida Notary, please come with us. You are under arrest for identity fraud conspiracy.

FLORIDA NOTARY: But, I’m not in cahutz with anyone. I just notarized a document.

FBI: Yes, but without the journal and a journal thumbprint, you are covering up incriminating evidence which makes you look very suspicious which is why you are under arrest.

Mr. FIBBS: My life is ruined and all because of that damn Notary and the damn Florida Notary Division which doesn’t require the one thing that would have saved my finances — namely a journal with paw prints. Boo hoo hoo. I’ll be in a mess for at least a year and could end up homeless too.

(two days later after paying bail.)

FLORIDA NOTARY: Oh no, my son needs a new kidney and the only place I can get one is in India. I’ll book our flights today and hope I get back in time for my court appearance as a suspect in an identity fraud ring.

RAHUL: Yes, Ms. Frieda Florida Notary Public. We can have your kidney which you have been on a list for two years come in on Friday. It will be no problem. You will need to show up at that Rajeev Gandhi National Hospital in Bangalore on the 3rd. Will that be okay?

FLORIDA NOTARY: Yes, that will be fine.

TAXI DRIVER: Where are you going?

FLORIDA NOTARY: We are going to the Rajeev Gandhi Hospital in JP Nagar in Bangalore.

TAXI DRIVER: That will be 80 rupees. Meter broken.

(ten minutes later there was a terrible crash.)

FLORIDA NOTARY: Oh no, we’ve been in a deadly car crash since we were dodging that elephant to the right and that ox to the left. My son is dead. And this cab has no seatbelts. You Mr. Taxi Driver are responsible for my son’s death because there are no seatbelts in this vehicle.

TAXI DRIVER: Oh no, you see in India, we are not LEGALLY REQUIRED to have seatbelts. So, you see it is not my fault. Accidents happen, what can you do?

FLORIDA NOTARY: Now my life is ruined because of that damned taxi driver and the damned Indian government for not requiring thumbprints.

(coincidentally, the driver carrying the kidney was in the car that crashed into Florida Notary and was also killed because he too was not wearing a seatbelt, and the kidney went flying out the window and ended up on the back of an elephant.)

TAXI DRIVER: Yes, Mr. pharmacist, I need some holistic remedy to a bug infestation in my house. What do you recommend?

PHARMACIST: There is tea tree oil. It is not expensive and microscopic insects are often killed from it.

(the taxi driver uses the tea tree oil and has a horrible reaction to it that ends him up in the hospital for two days.)

TAXI DRIVER: Hey, that oil you sold me is toxic to humans and you did not warn me.

PHARMACIST: The government of India, and coincidentally America does not regulate this type of products. You buy at your own risk.

(meanwhile Mr. Fibbs and his wife move to India since they lost almost all of their money in the identity theft and get exactly the same taxi driver that the Florida Notary did.)

Mr. FIBBS: Taxi! We are going to the Himalayas to live. We lost almost all our money because of this damn Notary. Can you believe it?”

TAXI DRIVER: Was she about 5’10”, dark hair and really annoying, with a thick Florida accent?

Mr. FIBBS: Yes, that was her. Why. Do you know her?

TAXI DRIVER: Never seen her in my life. No just kidding. She was in our car when a bus came out of nowhere and I had to swerve to the left and there was a terrible accident. This type of thing happens a lot in India. Maybe I’m telling you too much.

Mr. FIBBS: Well that woman deserves to die.

TAXI DRIVER: Funny that you mention that. And by the way, what do you do for a living?

Mr. FIBBS: I give investment advice.

TAXI DRIVER: Oh, I know somebody who needs advice at the pharmacy.

PHARMACIST: Yes, Mr. Fibbs. I am wanting to know, which US stocks are you liking?

Mr. FIBBS: You could pick a good index fund, but my favorite is Cola Cola stock. They have a good business model and solid management. I would put most of my money in that stock if I only bought one stock.

PHARMACIST: You saved my life.

(two weeks later coca-cola stock crashes, Mr. Fibbs and his wife decide it is better to be paupers in America then live in India under any circumstances and our characters all meet again.)

PHARMACIST: Mr. Fibbs. You are back. But, I have lost all my money. Coca-Cola stock crashed. You have given me very bad advice. Very very bad advice. You are a very very bad man.

Mr. FIBBS: First of all, Coca-Cola is a very solid company. But, you can’t buy a stock and sell it on a whim under unfavorable circumstances or you could lose your money with any stock. And second, I am NOT LEGALLY REQUIRED to back my investment advice. It is just an opinion and not an intrinsic truth. I am not a psychic.

PSYCHIC: Did someone call? I can tell you your future. You will be broke and die in misery. 50 rupees please. I need a new turban. This one makes me look fat.

ALL WATCHING: Get lost!!!!

PHARMACIST: You ruined my life. You damned investment advisor and your damn American laws not requiring that you take responsibility for what you tell people.

TAXI DRIVER: Well you almost ended my life with that tea tree oil without a warning.

FLORIDA NOTARY: (who came out of nowhere) well you ended my son’s life because you didn’t bother having seatbelts. It wouldn’t kill you to invest a thousand rupees to save someone’s life.

Mr. FIBBS: Well you ruined my finances by not having a journal. It costs $15 to have a journal and another $16 to get a thumbprinter from the NNA. I know this because I was so upset with you that I decided to become a Notary. But instead of being a shoddy Notary, I decided to become the most thorough Notary in the world besides Jeremy at 123notary.com who by the way is an ex-Notary, but a very thorough ex-Notary.

TAXI DRIVER: I guess we all ruined each others lives. Perhaps it is our karma that we should meet under such unfortunate circumstances.

GURU: I have been observing this entire conversation and situation for the last month and it is in deed very karmically perplexing, complex and yet still deeply interesting. I have only one more thing to say.

TAXI DRIVER: What’s that?

GURU: Tag — you’re it!!!!!

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November 23, 2017

A pleasant surprise

Filed under: Marketing Articles — admin @ 3:48 am

For the last few months I have been testing everyone on the site. Yes, it is very painstaking work and thankless. People complain, are rude, and evasive. I hate it. However, the quality of the site has been getting better as a result.

Once in a while I get a pleasant surprise. Someone will actually appreciate my hard work and tell me that what I am doing actually is useful and has a value. Others will surprise me by getting 100% on my quiz which makes me very happy. So, it’s not all depressing and heartbreaking. There are pleasant surprises.

On a sadder note, some of our best Notaries who we held as experts have lost their mojo and scored horribly on our quiz. Old age, disease, mental deterioration and other causes can lead to Notaries not doing well. It is so sad. But, what can I do?

It is unfortunate that it is a surprise when someone does well on my quiz. That should be the norm, not an abnormality. Oh well. Maybe in a few years, we will train everyone to be experts and then we will have an army of top notch Notaries. We’ll see.

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November 22, 2017

Notaries who have gone down hill

Filed under: Business Tips — admin @ 3:47 am

I am full of sadness writing this article. I had many elite certified Notaries who have gone downhill. The reasons for their demise very. We had a few who got cancer and lost much of their thinking skills. And these used to be our very best Notaries on the site. I almost wanted to cry after testing some of these people who are Elite Certified yet cannot fill out a journal correctly. I guess they are good with complicated documents, but not good at simple procedures.

This is why my testing is more comprehensive these days. I have to test on basics which I previously assumed that everyone would know. Boy, was I wrong.

Then, there were people who sounded like they were on drugs whose communication was a combination of babbling and incoherent nonsense. A few others just got old and senile.

It is sad that a person’s mental condition can go from good to horrible so quickly. The truth is that the human brain does degenerate, and the energy levels and neurological connections in different parts of the brain can grow or shrink. The secret is walking an hour every day and having brain foods.

Grape Juice
Grape Seed Extract
Wine
Walnuts
Fish
Ginko Biloba

Whether young or old, work daily to maintain your brain and heart. I don’t want to see others go down hill like a few names that resonate in my head. I don’t want to cry anymore that my former best Notaries have become flunkers.

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November 21, 2017

13 ways to get sued as a Notary

Filed under: Notary Mistakes,Technical & Legal — admin @ 3:59 am

Many people become Notaries to make a few extra bucks and don’t realize there are liabilities in this profession. Here are some ways you can get into trouble as a Notary.

1. You name your business a particular name, advertise with that name, but the name is not registered with your county clerk. Someone could sue you for using their business name.

2. You notarize loans in an Attorney state and the local bar association sues you. This has happened to a few Notaries in Massachusetts, and in Georgia the bar association antagonizes Notaries from time to time.

3. You make a mistake on a signing and your E&O doesn’t cover you. E&O is for NOTARY MISTAKES and not for business mistakes you make with loan signing. If a document is not notarized, your E&O will not cover your mistake. For example if you sign the note wrong, that is not a Notary mistake, that is a document signing mistake.

4. You return documents back late and the Lender sues you because the borrower lost their lock.

5. You make a comment to the borrower about their loan, they cancel, and then the Lender blames you and sues.

6. You decline to Notarize someone whose name on the ID does not match or prove the name on the document. One Notary did exacty this and got sued and lost because her communication skills were so bad, but judge could not understand her side of the story.

7. You get in a car accident on the way to a signing and get sued as a result of the accident.

8. You make a mistake in a loan signing and then don’t answer your phone or email for days after. The Lender is pulling his hair out and sues you for his bill with Bosley hair transplants.

9. You don’t follow directions on an assignment. You don’t show the documents in the order the client asked you to. As a result, the client changes their mind about signing the document that will get the client their commission. The client loses $5000 because of you, sues you, and wins.

10. You forget to administer an Oath and your state fines you for malpractice. In California there is a $750 fine for each Oath you forget. Fining and suing are different, but the end is the same — you lose. Or should I say, I swear you will lose!

11. You give legal advice or something that can be construed, misconstrued as legal advice. Then, you get sued for UPL. If you give legal advice to a courier company you could get sued for UPL by UPS.

12. You put the wrong date on the Right to Cancel, the borrower thinks they have an additional day, and find out after the fact that they don’t. Good luck. You would be surprised how many Notaries do not know how to date a Right to Cancel.

13. You misrepresent yourself as an immigration expert and defraud some poor and helpless immigrants. Or you advertise as a Notario. You will be cracked down upon by many state governments for this.

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