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August 13, 2019

The iPhone crisis

Filed under: General Articles — admin @ 11:32 pm

As we all know, society has changed since the advent of the iPhone. For me, an iPhone is a tool, just as the internet is. I use it to make money, communicate, and browse. But, I do not let the internet run my personal life nor do I go around staring at my iPhone 24 hours a day.

Whenever I go out, and particularly to Asian areas, I notice that Chinese seem to be glued to their iPhones. It is common knowledge that Chinese have some of the least developed social skills of any cultural group. But, this problem is not facilitated by burying their noses in books studying or iPhones while ignoring the world around them. Culturally, Chinese hate talking to strangers as well which compounds the problem. Every time I see a Chinese girl with an iPhone, the only thought that pops into my screen… I mean head is, “here we go again.” But, whites also do the same thing.

Shutting other human beings out of your life is not socially constructive behavior. Additionally, children being born might rather be born to a poorer family where the mother is emotionally available to the children instead of being focused entirely on her iPhone.

For those of you who don’t know, I am studying Chinese again. I started in 1986, and spent a lot of time in 1989 and 1990 studying. But, now I am upping my vocabulary and trying to get more practice talking before I go to Shanghai. I have noticed that I used to think that Chinese girls were unfriendly, but when I talk to Chinese guys, some of them take offense. Why? Being human is how God created us. Some of the people I am talking to are not completely human. Sorry to say, but true. I guess the females are less hostile to me than the men… Hmmm. What a world we live in… no wonder I’m lonely. I’m tempted to say, but I still have Mrs. Meao … aka Sheba, but she passed away many years ago and only visits me in dreams, even when there is no chicken involved!

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August 12, 2019

Do your homework

Filed under: Carmen Towles — admin @ 11:31 pm

It never ceases to amaze me how many folks get into this business and don’t know ANYTHING about it. All folks seem to know is that someone came to their house with their loan paperwork and it looks easy enough and they burst out, “Hey, I could do this too! And then proceed to ask; “How do you get into this business?’. And they actually expect you to give them all the little details of the ends and outs of how to get into the business so they can TAKE all of your business. Never, once thinking that this might be improper because why would any of us really want to train our own competition? But some of us do (being nice and all that) but end up regretting it later due to our own demise.

Recently, I was reading a notary forum post about how easy we make it look and that we need to stop this immediately because all we are doing is saturating our areas with more and more notaries that are really not needed. It’s all about supply and demand. Unfortunately, at the time of me writing this there is no real demand for us notaries in this profession. Up until recently rates were steadily going up (went down a little as the writing of this blog) and the real estate markets seem to currently be a little sluggish. But none of this stops the constant flow of signing agents still flocking to the business like fly’s on you know what.

The other contributing factor in over saturation is that you have several places that offer loan signing classes with no regard that they are consistently over saturating the market with notary signing agents that will NEVER see any meaningful work. Just this week alone, I have spoken with a few notaries in various parts of the county that have been at it for months but still no work. Or if they do have any at all it is in limited supply. And the fees are paltry at best. I mean who wants to do a full loan package with scan backs for 65.00??? Please try NOT accept these low fees. It hurts us all.

A piece of advice, you must do your research BEFORE you jump into this profession. Don’t just jump in without knowing what you are getting into first. Check the number of notaries in your area. It might be worthwhile to join some facebook groups and read our forum here at 123notary.com as well as Notary Notary to gain some prospective on the business. There is WAY more to being a notary signing agent than meets the eye.

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August 11, 2019

Trouble remembering your password?

Filed under: Technical & Legal — admin @ 11:31 pm

Many people lose their passwords on 123notary.com. Here are some ideas for how to resolve that issue.

1. Tattoo the password to your arm. That could create a small issue if you change your password. Just pick a tattoo artist who specializes in touch ups.

2. Create an email file for passwords

3. Write it down on paper and tape it to your desk (or forehead.)

4. Tell your password to your wife.

5. Post your password all over the internet (not recommended).

6. Pick a password you will never forget.

7. Email us when you forget (good idea.)

8. Write the password on a birthday cake, and then don’t eat the cake.

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August 10, 2019

Foreign langage documents (California)

Filed under: Carmen Towles — admin @ 11:30 pm

I get calls weekly from the public about notaries in California giving them a hard time with documents in a foreign language. Many California notaries are turning folks away (most of the time in error) because they are under the impression that they can’t notarize a document in a foreign language. The notaries feel that if they can’t read it, they shouldn’t notarize it. Unfortunately, this is not the case. Please read your handbook. You can find this information in the 2019 California Notary Handbook, page 20.

California notaries you can and must notarize any document presented in a foreign language provided you can communicate with the signer. What this means is that if the document is in Spanish (and providing all other conditions are met; such as personal appearance, have current picture government issued ID, etc. are presented) and you CAN communicate in either English and/or Spanish you must notarize their document. You don’t need to be able to read the document. Notaries notarize signatures on documents not the contents of the document. Period.

However, if you are presented with a document in a foreign language and they ONLY speak that language and you don’t speak their language you CANNOT notarize the document. You would then need to refer them to a notary that speaks their language.

Remember, don’t analyze, notarize.

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August 9, 2019

Testimonial fro Karen Reiter about 123notary

Filed under: Advertising — admin @ 9:19 pm

I just wanted to say thank you. I spoke with Carmen a few days ago. She was extremely helpful and kind. I had contemplated upgraded my position on 123 Notary for quite some time and after speaking with her I pulled the trigger. Well, within a day, I received 2 phone calls and already have a job lined up for next week. Thank you for the amazing job you have done, building such an effective directory!

Comment from Jeremy @ 123notary.
“Did you have the safety on when you pulled the trigger? Did you use a silencer?”

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August 8, 2019

123notary certification gets you more clicks

Filed under: Certification & Communication Skills — admin @ 9:14 pm

Now that I have done a thorough job of raising the bar, getting people to study more, and retesting people, our certification means more. People who use our site are telling me with their clicks that they are using certified people more than they did two years ago before the clean up.

We had about 1600 people who were 123notary certified. Now the number is down to 100 because we couldn’t get people to study. Certified members are now getting about 25% more clicks than those who are not which translates into realistically about 40% more jobs. Yet our certified members are not paying 40% more.

123notary certified members also average about $8 more per signing. So you get more signings and more money per signing. You win twice, but you only have to study once. The information in the course Notary Public 101 in our blog is valuable and is now based on a lot of practical situations that can get you in trouble. So, study from us, stay out of trouble and impress your clients.

So, if you want more clicks, more calls, more choices, better pay and more work, consider visiting Notary Public 101 on our blog and passing our certification test. Email us for instructions.

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August 7, 2019

What consitutes a “bad boy” notary part 2

Filed under: Ken Edelstein — admin @ 9:10 pm

11. The bad boy Notary shacks up with the bad girl Notary and produces seven signing services. The “nice guy” Notary marries a Judge and has little problem collecting his rightful fees.

12. Many attributes affect how the bad boy Notary deals with clients and tasks, basically hate is given to everyone – including himself. The “nice guy Notary” sees everyone as simply human and does his best to be respectful to all; with perfect manners.

13. The bad boy Notary does not bother to flush after using the borrowers toilet. The “nice guy” Notary relieved himself at a restaurant on the way to the borrower.

14 The “nice guy” Notary wants his client to have a work product that will meet the client needs. The bad boy notary only wants to leave as quickly as possible with as much money as possible – including short changing when possible.

15. The “nice guy” Notary is careful when fingerprinting to avoid brushing against the body of both male and female clients. The “bad boy” Notary, with a perpetual erection; “accidently” but repeatedly makes contact in every way possible.

16. The “nice guy” Notary that requires payment in advance mentions that requirement during “first contact”. The bad boy Notary runs down the clock of the caller (so they have little time to find an alternative) and demands PayPal payment only after the doc is received, or an hour to the job – whichever is less.

17. The nice guy Notary carries a handkerchief for nose blowing. The “bad boy” Notary picks his nose constantly and “flicks” boogers on the borrower carpet; exclaiming “it’s good for the rug”.

18. The bad boy Notary stepped in poo on the way – and figures the rug in the borrower house will clean his shoes. The “nice guy” Notary is careful where walking, and makes sure shoes are clean prior to entering all locations.

19. The bad boy Notary spreads his current affliction (flu, measles, lice, etc.) in pursuit of making a buck. The “good guy” notary does not accept work until he is free of contagious issues.

20. The “nice guy” Notary has a set schedule of fees, with some variation for early morning or distant travel, etc. The bad boy Notary bases his fee on the desperate tone of the caller or the wealth implied by their home address.

So, now we know some of the differences between a nice guy notary and a bad boy Notary. The question is, what can you learn from the bad boy Notary? Please write some comments if there are any other bad boylessons you can teach us which I neglected to mention.

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August 6, 2019

I Bounced Trustee signing – Refunded – 15 Min after docs arrived

Filed under: Ken Edelstein — admin @ 9:08 pm

I Bounced Trustee signing – Refunded – 15 Min after docs arrived
I asked the all purpose question – Is there anything else I will be asked to do other than print, go, legally
notarize, ship, report completion. They said “that’s it”. They sent my standard PayPal fee in 5 minutes.
When the doc arrived there was a requirement to scan and email two of the pages; OK, I’ll live with it.
Even though it requires finding a parking spot, scan, email, and back out to ship. But, as they paid so
quickly – I just said to myself “such is life”. But, it gets worse, as usual with my telling a lot worse.

Postdate not Backdate.
Along with the scan and email was a statement from title that I could ignore the fact that the docs were
dated for the day after the notarization was scheduled. That was on the Mortgage. Borrower was
predated as (no changes) signing on the 5th, the witnesses (another surprise) date the actual 4th as do I.
That sure would look strange. I check with American Society of Notaries – that’s prohibited. Strike One.

Notary notarize thy self
There were two documents for notary only signatures that called for venue, stamped and seal. The first
had me swear to the validity of the attached borrower ID copy – also prohibited by ASN. The second
asked me to “verify” that the correct person signed, again sworn by me. Strike Two.

The closing Affidavit
The borrower signed over the words “Minnie Mouse, Trustee” – but in the notary section after the before
me was “Minnie Mouse, followed by a lengthy description of the trust details”. They did include a copy of
the trust (to reassure me?). Thus I was providing the trust details that the affiant did not swear to! It
was the same situation for several other documents. Strike Three.

Let me outta here
Fortunately they sent the docs on Tuesday, at 7PM with the task scheduled for Thursday at 3PM, about
two days later. Of course nobody at title was there to answer the phone. How I wished I had asked for the
person who gave me the assignment to provide their cell number. I sent emails only stating that I had
issues with the documents and also processed a complete PayPal refund. I had not printed the docs as it is
my custom to review the PDFs on screen to be sure I would be able to accept the task. I also sent screen
images of the ASN site showing that the specifics mentioned above were prohibited notary functions.

Lessons Learned
During “first contact” I was given the choice of them emailing the doc to me or they would ship the
package to the borrower. Always have the doc emailed to you – so you can take a look at it and not wind
up in a situation where you must decline to proceed and also want a trip fee. That would make for
everyone involved to be unhappy. Look carefully at those notary sections, they are your statement. The
fact that they sent me the Trust is meaningless; the notarized document must be able to “stand on its
own”. Years later if there is litigation would you have the Trust document? Has it been revoked? Are you
qualified to determine if it is valid? I am only allowed in the notary section to have the name as on ID.

What to do
Run away from questionable jobs. Your defense attorney would cost you a lot more than the tiny notary
fee. Don’t count on E&O to step in when your actions are clearly improper – Dump the illegal tasks!

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August 5, 2019

Notary High School (80’s Style)

Filed under: Humorous Posts — admin @ 8:56 am

Back in the day, they used to teach notary classes in high school just in case some of the students would one day become Notaries. They taught it in the same room they taught typing incidentally which is interesting as both types of work are clerical in nature.

TEACHER: Now class, please turn to page forty. The duties of the Notary Public are to Acknowledge signatures, take Oaths, execute Jurats, and my psychic says that in the future there will be this thing called an Affirmation.

SAM (a 15 y/o student): Hey teacher, you’re a lot hotter than the last teacher we had. Taking your class is going to be a dream come true.

TEACHER: Thank you Sam for your vote of confidence. I truly am glad to know that I indeed am hot, at least in your eyes, and thank you for making your astute observation using correct grammar.

SAM: No problem teach! Any time!

TEACHER: Oh, let’s see. There appears to be a love note on my desk. Well, thank God this class isn’t like the last class. My students hated me.

BRUCE: You’re not going to have that problem here, baby… I mean… teach!

TEACHER: That’s Mrs. Bates to you, but once again, I appreciate your vote of confidence. Let’s see what the letter says. “My love for you has no bounds, I feel like howling like the hounds, my feelings towards you I wish not to belittle or smalledge, but to thee, my love, I sincerely wish to Acknowledge.” Wow! This is not poorly written at all. I would like to instill upon you the notion that I am married, and although your feelings are appreciated, they unfortunately cannot go anywhere.

SAM: Hey, may the better man win. Your husband must have something we don’t have.

TEACHER: Yes, its something called a job… and also maturity, but that’s a completely different matter. Now, moving right along. An Acknowledgment is a notary act where the signer acknowledges having signed a document. They make this formal declaration in the physical presence of the Notary.

CHRIS: Let’s get physical… physical. Is it kind of like that song. You know the Olivia Newton song?

TEACHER: Very much so, but with no dancing. Any questions?

SAM: Yeah… Do you like younger guys?

TEACHER: I like younger people just fine. However, I cannot entertain the idea of the type of relationship you are most likely thinking about.

BRUCE: Do you attest to that? And also… What are you doing after class?

TEACHER: Grading papers. How romantic. See you tomorrow.

(The next day)

TEACHER: Hello class. Many teachers might be cross with you or stern after getting an inappropriate love note.

SAM: What was inappropriate about it? I thought it was well written and didn’t contain any bad words. That’s as appropriate as we get over in this school.

TEACHER: Yes, I see what you mean. But, you see that it is not appropriate to make romantic suggestions to your teacher. It violates teacher-student ethics.

BRUCE: What are ethics? Do Guns and Roses use ethics.

TEACHER: Well, you see, some people think it is morally wrong for teachers and students to have romantic interludes, but if it weren’t wrong, I assure you, that some of you handsome young people here, might be in business. Oh my God, I can’t believe I said that. Father, forgive me. But, my husband found out about the note and guess how he feels?

CHRIS: Uh oh, do I need to change my name and move to a different town and assume a new identity so I don’t get killed or mamed?

TEACHER: Actually, he feels flattered, and he feels more sexy than I have ever seen him feel in his life. He is all excited that his wife is a hot chick that is in demand.

SAM: Woah, I’m glad we could make your family feel all good Ms. Bates. I totally dig that. But, what I want to know now is, “Where do we go, where do we go now, where do we go… sweet child of mine….”

TEACHER: Let me guess, these are lyrics to that new group Titanium… Oh, maybe they are called Platinum. Do they wear really tight pants, look like women from an asylum and scream when they sing?

BRUCE: No, you must be thinking of Motley Crew. This group is called Guns & Roses. The ironic thing is that they don’t own any guns. But, the lead guitar guy wears this really cool hats from the 1800’s which I totally respect because if there is one subject that I like more than biology, it’s history.

TEACHER: I’m glad to know you are learning something Bruce. Anyway, a Jurat is a notarization where you swear to the truthfulness of a document and sign it in the presence of a Notary.

SAM: Is that also a physical presence? Because I noticed that your verbiage was adulterated oh so slightly.

BRUCE: I like your choice of semantics there — adulterated. Someone might feel adulterated really soon because they are in some particular person’s physical presence.

TEACHER: I understand what you mean Bruce, but it doesn’t mean exactly that. You have to be more than in a physical presence to commit adultry.

CHRIS: Can children commit adultery, or only adults?

SAM: Yeah, wouldn’t it be childery if we committed it?

BRUCE: Hey wait a second, if a child committed adultery with an adult, wouldn’t that be childery as well as adultery, or would that depend on which party in the transaction you were a part of.

TEACHER: Children, this is a very interesting discussion. There is no such thing as childery, and for your information, adultery involves inappropriate sexual behavior between a married person and someone else who is not part of that holy union.

SAM: Holy union… I mean holy cow… By jove, I think I’ve got it now.

CHRIS: Well in any case compadres, we made teach’s husband feel like a complete stud. I say our mission was a success and we can all go home now… providing that we finished our written assignment writing a paragraph about each notary act.

TEACHER: I couldn’t have said it better myself. Glad we could learn about notary work as well as adultery all in one short class, not to mention making my husband feel better than he has felt in over a decade. But, I have to go soon as well.

SAM: Why, are you going to grade more papers?

TEACHER: No, I have an appointment at Victoria’s Secret. I haven’t been there in 15 years, but now there seems to be a reason to go — thanks to certain young people with inquisitive minds, and when I say inquisitive, you know what I mean!

BRUCE: Right, like in the Spanish inquisition — they were the most inquisitive people I ever read about in history.

TEACHER: That means something completely different. But, have a wonderful day boys! Ta ta!

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August 4, 2019

Nice things people said about 123notary in the blog commentaries

Filed under: Social Media — admin @ 10:38 am

Jeremy…you do a great job helping your notaries do a better job and to get more business. Thanks for all the info you send us. I do appreciate it. The other “listing notary companies” just want our money!

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Thanks for all your hard work and dedication to bringing this advice to us. Sometimes the truth is hard to take in but at the end of the day, I would rather have the truth than the lie. Hard work DOESN’T come by twiddling my thumbs and waiting for it to come to me. I’m HUNGRY for knowledge! Therefore, l WILL SUCCEED!

I will do my best to apply this advice in my business.

Respectfully,

Jacqueline Angela Stokes
Integrity Notary Service, Inc.

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I laughed so hard at some of these stories that my side hurts. I’ve been in this “never know what to expect” business since 2009
and I love it because I have never seen two closings that are alike. It’s always an exciting challenge. Sad or funny we all have good memories and I truly appreciate the people I met along the way that allowed me to be a part of their life.
Thank you Jeremy this was GREAT reading!

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Get ’em Jeremy!
I agree with you.
I’ve learned a lot from you.
I appreciate your efforts to weed out the idiots–there are far too many.
I love your website.
Keep it up!

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Great Article. I agree with you. I believe 97% of Notaries will flunk your test.

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The following is not meant to be a political statement. As Susan Collins said recently….. “we have forgotten the common values that bind us together as Americans”. That appears to be your problem when you state that “Being nice in my job description comes last in a long list of other requirements.”
Being nice, whether you are the hiring party or not, is a basic human value that we all need to remember. I am not trying to be antagonistic or whiny. I am tired of seeing the constant division is this county and I would like to see all of us benefit from your business and your knowledge. Please take a moment to think about this and try to see things from your and our prospective.

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BRAVO Jeremy!! Your explanations are SO clear and logical. Of course, I agree with all you said.Over 25 years dealing with my Journals has proved to me: There’s no room for Multiple Choice in a journal. Can’t possibly cover all possible choices.

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One thing is for sure: I find coverage here that I don’t find anywhere else.

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When you do the episode “Notaries Without Underwear”, let me know.

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Once again, Jeremy proves he is a champion for notaries, without 123Notary I would not be as successful in acquiring business clients. Thank you Jeremy!!!

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