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August 5, 2018

An Ode to Notaries

Filed under: Other Guest Bloggers — Tags: — admin @ 11:14 am

An Ode to Notaries

O, a debt of thanks we do owe,
to those who hold title notary,
for signing our papers without woa,
for helping us do things legally.

Signing and stamping, all to certify,
The authenticity of the paper,
Making sure that we do not lie,
That we truly are their author.

You take and legalize our affidavit,
For the government will only trust your mark,
So stamp away with your whatchamacallit,
We need these papers signed before dark!

Now, move along and hurry,
We called you here, but now you must scurry!

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August 4, 2018

Snapdocs – their profiles are getting more impressive, but …

Filed under: Signing Company Gossip — Tags: — admin @ 12:41 am

I have noticed over the last two years that the profiles of Snapdocs members have been getting more impressive. You see Notaries with more experience, a better repertoire of loans under their belt, and better looking photos of Notaries as well. If I didn’t know any better, I would think that those Notaries were the top of the line. However, I keep test scores of Notaries and have learned that the Notaries who look good on Snapdocs don’t necessarily actually know anything about how to be a notary or signing agent. They merely look good and probably respond to texts really fast.

The equation here is speed versus knowledge. It is hard to get both in one Notary. Notaries who have experience and a wide variety of jobs under their belt have experience that is worth noting. However, book knowledge versus experience rarely seem to add up. I have quizzed those who have no experience who studied and they can sometimes score a high grade on my quiz while those with twenty years of experience can fail.

The moral of the story is that in the Notary industry, it is hard to find a single Notary with purely positive attributes.Here are the attributes I consider important.

1. Getting back to people (an attribute of communication)
No matter how smart or experienced you are, if you don’t return phone calls or emails, you are basically worthless. Snapdocs capitalizes on this and in essence requires responsiveness to survive on their platform.

2. Attitude
If you are the best Notary in the world, but talk back to people and are generally rude, you will ruin everyone’s day.

3. Speed
Snapdocs seems to capitalize on this virtue quite effectively. If you get back to people fast, it is easier to work with you, even if you are not the best notary.

4. Knowledge
A well studied Notary is a lot less likely to make mistakes than one who is just winging it. This quality is more of a 123notary attribute.

5. Experience
Having experience on the street looks impressive on your resume and profile. It means you are less likely to make certain types of mistakes because you would have been put through the meat grinder many times already if you were making those mistakes. However, there are knowledge related mistakes that the most experienced Notaries make daily without even knowing it because most of them refuse to read notary manuals or study up!

6. Quality of Interaction
Some Notaries do not know how to have a professional phone call. If you read our articles on professionalism and etiquette you can see the details.

7. Maintaining a profile
Sometimes the best Notaries in the world write the worst notes sections and do not maintain their profiles.

Summary
To sum it up, Snapdocs is very good at point 1 and 3 which are at the top of my list. However, they are lacking in most other points. The reason for this is that the type of clients who use Snapdocs do not want to invest in knowledgeable Notaries as it is too expensive. After you pay Snapdocs their hefty fee and pay the Notary their low-ball fee, you will want a profit if you are a signing company.

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August 3, 2018

Notarization for an exorcism

Filed under: Virtual Comedy Themes — admin @ 8:31 am

A Notary was called in to notarize an exorcism. He was asked if he had experience notarizing exorcisms and he said he did not, but asked, “Will I be notarizing the spirit, the person who was possessed, or the priest?” The priest who was hiring the notary said that he would have to swear under Oath to a statement. The Notary agreed to come. Meanwhile the Notary was going through a mid-life crisis. He was trying to find that happy medium between work and play, because working all day made Jack the Notary a dull semi-balding middle-aged boy.

The lady who was possessed was named Chelle. She exhibited signs of dual personality disorder (which is better than my last girlfriend who suffered from no personality disorder). One minute she would be Chelle and would be very nice and accommodating. The next minute Gertrude would take over and do mean things to people. It was so out of character.

On June 5th, the Notary showed up.

PRIEST: We are gathered here to witness this unholy union of inhabiting spirit and human to be broken. Do you solemnly take this uninvited spirit to no longer be your lawfully wedded possessor?

CHELLE: I do

PRIEST: Do you, spirit, take this lady to be your lawfully unwedded possessee and agree to get out of her immediately? Notice to quit with a three second grace period.

SPIRIT: Do I have a choice?

PRIEST: Not really. If you don’t come out, I’ll summon in the angels and then you’ll really have had it.

NOTARY: Oh, you know how to talk to spirits!!!

PRIEST: (sarcastically) Only the bad ones!

CHELLE: So, what do I do now?

PRIEST: Just wait there. Now, what is that damn spirit doing hovering up there?

SPIRIT: Me, I’m just coming out of my Chelle (pronounced shell).

PRIEST: I’ve heard it all now. Now, Notary. Please administer an Oath on this verbal statement that says, “I hereby declare that Chelle has been ridden of spirit possession, so help me God.”

NOTARY: Okay, raise your right hand.

PRIEST: My right hand is raised

NOTARY: Do you solemnly swear that the statement you are about to make is true and correct?

PRIEST: I do.

NOTARY: I pronounce you notarized.

PRIEST: But, I didn’t make the statement yet under Oath. I told you the statement I was going to make but did not make it when we had our hands raised.

NOTARY: Sorry, I don’t do Oaths, I only do Refinances.

PRIEST: Every refinance I’ve ever seen had at least three Oaths. The signature affidavit, occupancy affidavit and identity affidavit. Don’t you do oaths on these?

NOTARY: Nobody checks.

PRIEST: Do you want to get reported to the Secretary of State for refusal to administer acts that Notaries are legally responsible for administering to the public?

NOTARY: Oh, are you theatening me? You’re being rude.

PRIEST: (ring ring…) Hi, Secretary of State? A Notary named Jack Tripper… he refused to correctly administer an Oath to me for a verbal statement. Can you decommission him?

SOS: Could you send us an email with his name, commission # and expiration date?

PRIEST: I will.

SOS: Do you swear?

PRIEST: I not only swear but affirm.

NOTARY: Well, I may not know how to administer Oaths correctly, but I found my happy medium — you. You are happy and can talk to spirits. That makes you a happy medium.

PRIEST: No – I’m an angry medium because you messed up my exorcism by not doing your fricking job — idiot!!!! I have no formal record of what happened unless you follow proper procedure.

NOTARY: Take it easy man… wow this guy is uptight!

(a few days later, the NOTARY goes to the secretary of state’s office.)

NOTARY: I am here to turn myself in.

SOS: For what?

NOTARY: Wait a second, how did I get here, what am I doing here?

SOS: Excuse me?

NOTARY: My name is Gertrude. I am a spirit possessing this body. I witnessed Jack (the dull boy) doing an improper Notarization and I wish to report him, or me, well actually him, but I am temporarily in his body until we get this issue resolved. My uncle Binkelthorp died because a Notary filled out a medical power of attorney wrong and I want revenge on all bad Notaries.

SOS: So, let me get this straight. You want to report yourself for committing Notarial malpractice?

NOTARY: No, not myself. I have only been in this body for 24 hours. The regular soul’s name is Jack, and although physically he looks exactly like how I look in front of you, his soul is the rightful custodian of this body and his soul is the one who committed Notarial malpractice. Just quiz him on Oath procedure and I’ll jump out of his body while he does it.

SOS: This sounds crazy but here goes. Please administer an Oath to me for a document that says, I committed Notarial fraud.

NOTARY: Um… I don’t understand the question.

SOS: Do you not know how to administer an Oath? That is one of your powers as a state commissioned Notary Public and you will lose your license if you don’t know how to do it.. How many years have you been a Notary?

NOTARY: Duh…

SOS: Okay, I am having your commission suspended, revoked, and terminated, and contacting the priest to get a statement about how you refused a member of the public for service — which is a crime. As a Notary Public, you are required to perform any legal request for a Notary act for any member of the public who has identified themselves properly and is in front of you. Otherwise you would be a Notary Private if you select the customer or which jobs you are willing to do.

NOTARY: I can’t believe this is happening. But, I’ve been a Notary for 20 years, and therefore must know what I’m doing.

SOS: You have clearly demonstrated that you have no idea what you are doing. You must have been sleeping for 20 years. If you were a brand new Notary, I might have you attend a class, but you have demonstrated a complete lack of respect for lawfullness. Let me get the priest on the phone who you dissserved.

PRIEST: Hello, priest service. Jim speaking.

SOS: Hi, this is Frank at the Secretary of State’s office. We have a Notary named Gertrude who is also Jack. One of his personalities reported him to us for Notarial malpractice on you while you were doing some sort of an exorcism. Is that correct?

PRIEST: Correct.

SOS: It looks like you might have committed malpractice on the exorcism by allowing this spirit to inhabit this poor excuse of a Notary.

PRIEST: I neither allowed it nor discouraged it. Wandering spirits like to inhabit the bodies of the weak-willed. People who don’t take care of their health, mind, spirit, or in this case, their obedience towards proper Notary procedure.

SOS: Good point. In any case, did this Notary refuse to administer an Oath to you after you had appeared before him… or her.. and produced acceptable identification?

PRIEST: He most certainly did, and he was a he when I saw him… before Gertrude entered the picture… or the body… or exited one body and came into the other body.

SOS: We could use someone like Gertrude to clean up the Notary industry.

PRIEST: Umm, I’m not so sure that is a good idea. Gertrude can be very vindictive. She is considered to be bad news.

SOS: Yes, but that means she will help us convict bad Notaries because she suffered a horrible loss due to a bad Notary two decades ago and she wants revenge.

PRIEST: Oh… well, in that case, two wrongs make a right I guess. As a man of the cloth, I will have to stay out of this. We don’t like to be involved in anything punitive or vindictive — we leave that up to the holy father — he can be very punitive at times. That’s why I carry a lightening rod wherever I go — I keep it in the trunk. You never know when you’ll need it.

SOS: I’ve heard it all now. Hey Jack… We are sending you to Notary jail, fining you $1500 and revoking your commission. What do you think about that/

NOTARY: Ummm. But, I’ve been a Notary for 20 years and never had a problem.

SOS: You had plenty of problems, but the people you were working for didn’t know the difference — that is how you got away with it so long.

PRIEST: Looks like someone needs an exorcism by the way, not that I am using this misfortune as a way to get a new client.

GERTRUDE: I’ll go on my own. I have some other Notaries to possess.

PRIEST: And by the way… Here’s my card. I also do weddings and Bar Mitzvahs.

SOS: Bar Mitzvahs??? Aren’t you a priest?

PRIEST: In my neighborhood, its the only way to keep busy… Besides, what they don’t know won’t kill them.

SOS: Hold on, let me call 411. Hey, what’s the number for the Secretary of State Rabbi Division? I think I need to report someone.

THE END

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Notary Public 101 — Scenarios: Hospital signing issues

Filed under: Technical & Legal — Tags: — admin @ 6:48 am

Have you ever done a signing in a hospital? You should be prepared, because one day you might do it. There are many issues that come up in hospital signings. First of all, it is common to have to decline service because the signer has been medicated, or has lost their mind. As a Notary, you should be aware that you can easily be subpoenaed for hospital signings as it is common for people to not remember what they signed and for people to try to take advantage, so be cautious.

As a Notary you need to be able to gauge the situation over the phone before you commit to coming, and once again gauge the situation once you are in front of the signers. The person who calls you to come to the hospital is almost never the signer, but usually a family member, Attorney, or scam artist.

Confirming the appointment.
Have your contact person read the name as it appears on the ID, and the expiration date (the expiration date of the card, or the patient, whichever comes first). Then, have the contact person read how the name appears on the document. Not only are you checking if names match, but if they even have an ID, know where it is, and have their document all ready. Confirm that they will not be medicated before you come and make sure the nurses know that the notary job is off if they medicate at all.

Once at the appointment.
Get travel fees at the door. Otherwise you will have a beneficial interest (in my opinion) in having the document signed. When you meet the signer, you can ask them questions about the document being signed. Don’t ask yes/no questions. Ask questions that make them explain the document to you. You can also make small talk about how you love what President Clinton did yesterday. If they are on the ball, they will know that President Clinton is no longer in office. You need effective ways to screen out people on morphine and those who have lost their mind. You should also ask if they have been medicated in the last twelve hours.

Comments
It is not your job to decide who gets morphine and when. However, if a signer does get medicated, let the contact person know that you will walk off with their travel fee as you do not dare notarize a medicated person who is not fully conscious, especially on a Power of Attorney.

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Notary Public 101 — Scenarios: What entities might want to see your journal?

Filed under: Uncategorized — admin @ 6:38 am

I have gotten in hundreds of arguments with notaries from states all over the county. Those who live in states where journals are not legally required think they will not get into trouble if they don’t have one. If you end up in court, your journal is your only evidence of what happened. You might become a witness for a long case or a defendant if you don’t keep a journal regardless of what your state says.

The FBI investigates ALL Mortgage fraud. That means that if you notarize a fraudulent mortgage, don’t keep a journal, and the FBI catches up with you– you are in trouble as well as the Lender and they can name you as a suspect. The possibility of being slapped with a $20,000 Attorney fee is just not worth the risk. It is much easier just to keep a journal so that you will have some sort of evidence of what work you performed.

Here is a list of entities that might want to see your journal other than your state which may or may not require it.

1. The FBI
2. Judges in court
3. Signers
4. Attorneys
5. People who were affected directly or indirectly by something you notarized perhaps such as beneficiaries, etc.

When I was a Notary, I had three or four inquiries about journal entries. Since I kept my books in order I was ready. How ready are you?

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Notary Public 101 — Scenarios: How do you notarize a document with no signature line?

If you have been instructed to notarize a document that doesn’t have a signature line, that is a cross between a quandary and a conundrum.

You cannot notarize a document without a signature. Notaries notarize signatures on documents, not documents, and especially not documents without signatures. And you cannot have a signature without a signature line. But, it could be construed as UPL for a Notary to add a signature line to a document. So, now your ability to get the job done is really on the line — which unfortunately doesn’t exist in this case, until someone writes one in.

So, what do you do to get the document notarized? If the signer draws a signature line, then they are the one engaging in UPL, not you, especially if you do not advise them to do so. The bottom line (no pun intended), which is the signature line, is that without a signature, there can be no Acknowledgment or Jurat on a particular document. An Oath or Affirmation are the only Notary Acts you can do without a signature.

So, once a signature line has been added, the affiant can sign, and then you can notarize the signature on the document.

But, what if you have a signature without a document — that is an entirely different question.

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August 2, 2018

Cooperation is a highly merited trait in the Notary business.

Filed under: General Articles — admin @ 9:59 am

In any business, especially the Notary business, cooperation is key. A Notary who doesn’t cooperate might not arrive at jobs on time, or might not get documents back on time. They might not answer their email and might be difficult in other ways.

Part of why we quiz people by phone is to see if people are cooperative and can communicate. I find it difficult to see how someone can hire a Notary who doesn’t cooperate.

We are not asking for huge things here. We just want Notaries who can pass a test, answer a few questions and not be resistant. Why is it so difficult with so many people. And studying is important too. It is so hard to get even our certified members to study. This is your profession, yet you treat it like a hobby. If you truly value being a notary, you would take it more seriously. People can get hurt if you don’t do your job properly. It is not a joke. I take being a Notary very seriously as it protects the fabric of society. How come I am one of the only ones who does?

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August 1, 2018

You are service providers

Filed under: General Articles — admin @ 9:58 am

Some customers complain that I don’t treat them like customers. I treat them more like students in a school, or people who work for me. The reason for this is that you reflect my reputation with people who use the site. If all of our Notaries were basket cases, I would be out of business because no browsers would come to my site.

If you are a Notary who scores well on our tests and logs in regularly, I will treat you purely as a customer, because there would be no integrity breaches with you. But, if you are negligent as a notary, that causes reputation problems.

The fact is that you are service providers as well as customers. The end users are Title, Escrow, Signing Companies, and other people who regularly use Notaries. I treat them like customers because they are the ones who pay you so you in turn pay me. If we lose them, then there will be no 123notary. So, if there is a conflict between pleasing a delinquent Notary and the general population of Browsers, I am compelled to favor the browsers because we cannot exist without them. Think about it.

On the other hand, there is no reason why all of you cannot score 100% on my quizzes and do a wonderful job pleasing customers and logging into your listing. This is easy, you should do it anyway, and it makes life safer. So, why not?

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July 31, 2018

Notarizing the elderly — do more digging to be sure it is legit

Filed under: Hospital & Jail Signings — Tags: , — admin @ 9:35 am

There are many people who prey on the elderly. Elderly people need help and cannot always get it. Perhaps their family no longer talks to them, or is far away. Perhaps they have no family. Those who seem like they are family members or “helping” the elderly might be scam artists.

If you are notarizing for an elderly person, you need to check out the people who are helping. Here are some things you should find out.

1. What is your relationship to the signer? What is your name?
2. Why are you having this document signed? What is it about?
3. How does it benefit the signer?

This is a little nosy, but Notaries end up in court a lot in elder signings, so perhaps it is better to be suspicious up front to discourage the others from defrauding others.

You might indicate in your journal who the helpers are. This is not required, but if you have ID information for the helpers, that could help catch them in the off chance you are investigated. Also, nobody who is doing something illegal wants their ID recorded in a Notary journal. They might back off. The point of all of this extra work is to discourage people from getting you in a position where you will have to end up in court.

If when asking the helpers questions about their relationship with the signer, why they are helping, etc., you can see if they flinch or are awkward. I am not an investigator and do not know how liars act, but you might find them to be very uncomfortable if you start digging. Be polite in your digging and explain that many elder signings end up in court and that you want to make sure that nothing will go wrong.

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You might also like:

Notarizing documents for the elderly
http://blog.123notary.com/?p=3334

How do I do a signature by X Notarization
http://blog.123notary.com/?p=18791

When to ask for ID over the phone & fees at the door
http://blog.123notary.com/?p=15282

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July 30, 2018

A Notary sends a bill to a Title company

Filed under: Marketing Articles — admin @ 9:50 am

A Notary who was in high demand made a Title company sign a contract for work. However, the title company forgot all about the contract when it came time to do the job. The contract stipulated that late docs constituted an additional fee of $20, borrowers that read to long, another $50, and there were a few other clauses as well.

When the title company finally got the bill, the bill was $450 for the signing. The head of the title company was so shocked he flew vertically about his chair in his head made a hole in the ceiling.

The damage was so bad they had to call a dry wall expert to fix the problem.The minute the dry wall guy saw the damage, his only comment was, “Well, now you must know how Adolf Hitler must have felt when he opened his first gas bill.”

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