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January 4, 2011

How Carmen dealt with some Alt-Right customers

Filed under: Best Humorous Posts,Popular Overall,Virtual Comedy Themes — Tags: — admin @ 7:49 am

Many of you do not know this, but in addition to doing sales on 123notary.com, Carmen is also a Notary. Carmen was chosen to help us here at 123notary because she knows the Notary and signing business inside out and has great oral communication skills. Carmen normally picks and chooses which customers she takes to avoid the riff-raff. But, this last drama was out of the ordinary.

(ring-ring)

PAUL: (on phone) Hi, my name is Paul, and we will need some documents Notarized at Maggiano’s.

CARMEN: Fine, I charge $50 travel fee plus $10 per Notarized signatures. I give a discount if you have more than five signatures.

PAUL: Well, we only have one, and we have cash, so you are in luck.

(Carmen drives to the Maggiano’s location)

GROUP: Hail Trump!!! (raising right arm to do Nazi type salute)

MAGGIANO’S STAFF: Oh, my God, what an embarrassment. We gave them a Cesar salad, they should be hailing Caesar, not Trump! Besides, what will our politically correct left-wing customers who control all of our thoughts and actions say?

CARMEN: I’ll tell you what they’ll say. For starters you need to screen your groups just the way Notaries need to screen their signing companies. Otherwise, there’s no telling what type of bozos you’ll get. Second, you need to take a closer eye on people. That’s what I do. The minute I see someone doing a Nazi salute — that’s a warning sign right there! If you’re not watching, you’ll find out after the fact!

PAUL: Hi Carmen, thanks for coming.

CARMEN: What type of group is this? Are you Gestappo Trump supporters?

PAUL: We are just trying to protect our legacy and inheritance.

CARMEN: I understand exactly how you feel — I’m trying to do the same — in my own way.

PAUL: By voting against Trump?

CARMEN: That’s one of my methods. Checking people’s ID’s is another. Let’s see some ID please.

PAUL: Here it is. You might not realize that’s me, because I had the photo taken during my skinhead days. I hope you don’t take offense at that.

CARMEN: That will do. And by the way, the problem is not the skin on your head. The problem is what’s under the skin. So, this is an Affidavit of protection for the motherland. A document that makes you swear to protect your land against all enemies foreign and domestic and not to abandon your cause for light and transient causes. Okay. Sign here!

PAUL: Got it.

CARMEN: Now, raise your right arm and say hail! Do you solemnly swear that you will tell the truth, the whole truth, and nothing but the truth and that you will protect the motherland to the best of your abilities come hell, fire, damnation, or hail-storms?

PAUL: Hail… I mean, yes I do.

CARMEN: Okay, I’m affixing my official seal courtesy of the State of California. You can consider yourself legally Notarized.

PAUL: Here’s $80.

CARMEN: You only owe me $60.

PAUL: I know, but you’ll need some extra on the boat going back to you know where!

CARMEN: You racist!!! I can’t believe you said that! By the way, I had a dream about that boat. It was the longest boat ride of my life, and the only doctor on board was Dr. Pepper. What a bunch of loons! I’m so upset, I’m calling Jeremy to tell him what happened.

JEREMY: Yes Carmen

CARMEN: You wouldn’t believe what happened. I did a Notarization for Alt-Right, and (blah blah blah, etc.) I just wish I could press a magic button and have these people disappear.

JEREMY: Well you can. Just go to your computer and say, “There’s no place like home, there’s no place like home, there’s no place like home — and then click the keys CTRL-ALT-RIGHT-DELETE three times.

CARMEN: Okay, I’ll do that.. There’s no place like home, there’s no place like home, there’s no place like home…. click… click.. click… Where am I?

TIM: You were just having a bad dream mom. It must be that whole Trump election and everything that’s going on in the news.

CARMEN: From now on, I’m being careful about who I notarize!

———————————-

The next job Carmen took was from Black Lives Matter

DeSHEA: Hi Carmen, I need 200 documents notarized for the cause.

CARMEN: I’m with you brother!

DeSHEA: When can you be here?

CARMEN: I’m on my way. I have a package rate of $50 travel, $10 per signature, and $5 per signature after you are on your sixth. But, for you, I will work for a package rate of $300 for the whole stack!

DeSHEA: You’re my kind of sister!

CARMEN: Okay, here I am.

DeSHEA: There’s a problem

CARMEN: What problem is that?

DeSHEA: We’re concerned that although you black, you ain’t black…. eeee-nuff.

CARMEN: Not black enough? How black I gotta be brutha?

DeSHEA: We do blood tests here from ancestry.com, and if you are less than 87% of Sub-Saharan African ancestry, you can not be affiliated with our group, nor can you work for us. I’m afraid this is a policy.

CARMEN: So, if I’m more than 13% something else, I can’t work for you? Oh my God. This Trump election is making people more crazy all around the country!

——————————-

Finally, a job offer comes in from Mulatto Lives Matter.

KIM: Carmen, we need your help for the cause.

CARMEN: I’m with you sister. I just had a horrible experience with the, “Let’s make America white again” group as well as the Black lives matter group who disowns you the minute you are 13% or more something else according to ancestry.com. I’m with you sister.

KIM: We we’re more flexible here. You can be 13.1 to 87.3% black and we will accept you over here. We need ten documents notarized.

CARMEN: I’m there.

KIM: In the mean time while we wait for the signers, would you like a vanilla latte in a zebra cup? It’s symbolic of our movement.

CARMEN: A vanilla latte… what? Next thing you’re going to ask me is if I want the whole cup or just 50-50.

KIM: Hi Carmen. Thanks for coming. There are ten different signers and not all of them can come at the same time, so you’ll have to wait.

CARMEN: I charge waiting time by the way at the rate of $20 per twenty minutes payable up front as well as my $50 travel fee.

KIM: Oh. I didn’t know that up front.

CARMEN: I didn’t know you’d keep me waiting all day up front either. You could have warned me.

KIM: Well, I don’t think we’re a good fit.

————————————

CARMEN: Jeremy, these’ political groups are killing me. They’re either racists, or completely irresponsible or both. The Alt-Right wants to deport me, but they sure tip good. The Black LIves Matter openly discriminated against me and Mulatto Lives Matter wanted to keep me waiting all day without any guarantee of payment. I think I was better off with the Alt-Right — at least they were on time and gave me extra, but I deleted them!

JEREMY: Carmen, I know how you feel. I’ve been through similar things in my life. Sometimes everybody is bad in one way or another, and it’s hard to figure out who NOT to CTRL-ALT-DEL. But, I have a solution. I call it, “The final solution.”

CARMEN: That’s sounds Nazi, but lay it on me.

JEREMY: The final solution is not to work for any of those groups. Work for ALT-123. We are even handed, moderate, and judge you by the content of your merit, and NOT by the color of your ink.

CARMEN: I heard that! Dr. King would be proud.

JEREMY: And Dr. Pepper too.

CARMEN: Dr. Pepper? Oh. I must have told you about my dream. Anyway. I’m going to take a nap now.

———————————-

(snooze)

CARMEN: Oh, no. I must be dreaming again. I’m on the boat. But, this time it’s worse. They’re out of Dr. Pepper which I’ve heard has healing properties. What will I do. Oh, there’s some people drinking Snapple. Can I have some Snapple?

TYZONE: It’s 13.1% juice.

CARMEN: First of all, how did you get that name? Did your mama give birth you in the bathroom of a pizza parlor when her car broke down on the way to the hospital? And Second — 13.1%? Am I allowed to drink Snapple if it’s 13.1% juice, or does it have to be under 13% juice, or under 13% something other than juice. I’m confused. Let me go to my computer.

TYZONE: There’s no computer on this boat baby.

CARMEN: I brought my own. CTRL-ALT-RIGHT-DEL…… ALT-123… There’s no place like 123!!!! Oh, that was fun, I want to do that again!

(Meanwhile Carmen drifts off again and has another dream. This time David Duke was on a refugee boat filled with Alt-Right people on a one-way journey to Europe while Carmen was on land in America watching him drift by.)

DAVID DUKE: Hey Carmen, two things. Can you toss a Dr. Pepper on board? And one more thing. Can’t we all just get along?

CARMEN: That’s exactly what I’ve been wanting to ask you all of these decades!

.

You might also like:

Black Notaries vs. White Notaries – The Notary Manual
http://blog.123notary.com/?p=19322

Notary Jail
http://blog.123notary.com/?p=19666

Protesters & A statue of a Notary who had slaves
http://blog.123notary.com/?p=19696

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January 2, 2011

Commission Impossible…

COMMISSION IMPOSSIBLE

Your commission, should you choose to accept it, is for an impossible mission that few notaries’ businesses live to tell about… The ones not worth commissioning…

Look out! The signer isn’t present! Right behind you! That document is incomplete! Not a good sign – The signer is the notary’s spouse! Watch out! The signer can’t produce acceptable identification! If their driver’s license picture is Waldo of “Where’s Waldo” fame, beware! Whether you can spot him in a crowd, or not, Waldo doesn’t really exist! Danger! The notary has a financial interest in the transaction! In that case, your interest must be in finding a commission impossible!

Oh no! The document doesn’t have a prepared notary certificate! Prepare yourself for disaster or no commission, whichever comes first! Danger! The notary thinks the signer is being coerced to sign! Coerce yourself out of that situation! What’s that, you say? The notary suspects the transaction is fake or deceptive? That’s as conducive to landing a commission as landing a punch in a fake wrestling match!

Look out!! The signer can’t pay the notary’s fee? Commission impossible! The signer’s a minor? Commission impossible! The signer seems drunk? Face this sober fact – Commission impossible!!

Don’t let the signer intimidate you into notarizing when the law prohibits it! If you use good judgment, you’ll get the commission the right way. Oh, and since this is “Commission Impossible,” at the end you’ll also get the girl, even if you’re not Tom Cruise. If you’re a female notary, you’ll get the guy. Even if he’s not Tom Cruise!

You might also like:

Deceptive fax backs: the good old bait and switch tactic
http://blog.123notary.com/?p=14040

Deceptive identities — companies that change their names
http://blog.123notary.com/?p=1090

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Some of you people have a few screws loose.

When I ask people questions to test their competency, it is remarkable how many people have screws loose.

Repeating
When I talk to my psychic, I talk to him for an hour every week or two. I do not ask him to repeat anything in an hour. When I talk to Carmen or Adine on the phone, I never have to have them repeat anything. It is remarkable how many of my clients have me repeat myself multiple times in a very short conversation. Do they not understand the confusing technical language I am using with terms like, “Venue, Notarial Act, Acknowledgment, Journal or Affiant?” If you don’t know Notary language, time to look up some terms in our glossary. That is your jour to know!

Scrambling
Normally when I ask people, “If you have TWO people each of whom is signing THREE notarized documents, how many journal entries should you fill out.” The Notary repeats back to me, “Okay, so you have THREE people each signing how many documents?” First of all, it is two people, how can you scramble that? Additionally, they are not signing three documents, they are signing three NOTARIZED documents. If the documents are not notarized documents, you don’t need to fill out any journal entries.

That would lead me to a great trick question — if you have two signers signing three documents, how many journal entries would you need to create? None! Because the documents were not designated to be notarized!

Changing the Scenario
When I ask, “If the ID says John Smith, but the name on the signature of the documetn says, John W Smith, without changing the scenario, can you notarize the signature?” Most people immediately say they would ask for another ID. But, asking for another ID is what I told you specifically not to do, namely, changing the scenario. I am trying to test your skills on saying yes or no to questions with limited parameters, not your skill at changing the question to a completely different quesiton that you prefer to answer. Answer questions as asked or you lose points. It is not rocket science — and the answer is NO. You are a Notary, yet the word you have the most trouble saying is, “NO.”

Talking endlessly
When I ask quick questions I have thousands of people to ask. If you talk endlessly and I have to ask you to stop talking, that is a huge headache for me. Just answer questions quickly without rambling and we can finish our quiz quickly.

Sluggish
Some people take forever to think of answer to questions. The most relentless question is when I ask people which Notary Acts are legal in their state. Most people have to think for a long time. You do Acknowledgements, Jurats and Oaths daily, why is it like rocket science for you to open your mouth and spit it out? Do you not know that those are considered official notarial acts in your state or in most states? A few states don’t have an official Jurat, but they have other acts similar to it such as Verification under Oath or Affidavits or Sworn Statements.

In short, the behavior of Notaries always seems somewhat mentally impaired. Less than 10% of Notaries on 123notary can just answer simple questions without asking me to repeat, scrambling information, changing the scenario, giving round about answers, rambling endlessly or taking a lot of my time. I just want to test your competency. I don’t have all day for nonsense. Try to discipline yourself to answer questions the way they were asked because the business world doesn’t have the patience for this type of nonsense. It is purely unprofessional.

.

You might also like:

Introducing the 2019 Notaries!
http://blog.123notary.com/?p=21147

Notarization for an exorcism
http://blog.123notary.com/?p=20948

The Notary Asylum
http://blog.123notary.com/?p=17464

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December 1, 2010

Bilingual Notaries – How Often Are They Needed?

Bilingual Notaries – How Often Are They Needed?
This topic started off as a forum post. It is the most popular post in our tips section, but nobody replied to it. I was hoping for one reply in Spanish and another in Armenian, but no such luck for me.

123notary has hundreds of bilinguals
There are many bilingual notaries speaking every conceivable language from Amharic to Zulu. However, Spanish is by far the most common second language in the United States. Some notaries are native speakers of their “second” language, while others have varying degrees of competency.

Are you really bilingual?
If you want to advertise yourself as bilingual, you should be able to handle a signing purely in your second language. Even if you are not perfect and have to look up a word here or there, the ability to converse easily is the main point. The question — are you bilingual ENOUGH? is always a serious question. Notaries put “Some Spanish” in their language field all the time. Is some Spanish enough Spanish? If you can talk your way through the loan then its enough. But, please just put language names in the language field. Nobody uses our language filter to look up the language “Some Spanish”, or “Limited Spanish”. Either you can cut it or you can’t as a bilingual notary.

Test your bilingual notary
If you are hiring a notary for a bilingual signing, it is recommended to talk to them over the phone in the language they claim as their second to test them out. See how they handle basic conversation, and then throw a few loan signing technical terms at them to see how they function with specialized vocabulary.

Bilinguals are not always necessary
Most people in the United States who are getting a loan speak English, even if that is not their mother tongue. If you are notarizing documents for a family from Iran, knowing Farsi might make you popular with them (if you speak it correctly enough), but it won’t be so necessary as they will most likely speak English or have someone present who speaks English.

When do you really need one?
It’s when the signers really don’t know English that you need a bilingual notary. Bilingual notaries get a bit more business than they would if they didn’t have bilingual capabilities. However, if you are in an area where lots of borrowers speak only Spanish and there are no other bilingual signers around, you might get endless business due to your linguistic attributes which become a valuable commodity. How much extra business a bilingual signer gets is hard to say, but they really come in handy when you really need them.

Chinese anyone?
Chinese is a language that throws everyone. There are so many dialects and sub-dialects that a notary needs to specify which dialects they speak. I recommend putting this type of language in the language field: Chinese, Mandarin, Mandarin Chinese. This way, whatever language search term the browser types into the box, they will be sure to find your dialect and also have a correct idea of what you speak. Merely saying “Chinese” doesn’t cut it because there are so many Cantonese speakers in the United States, that many of them regard Cantonese dialect as being just “Chinese”. The governments of both Taiwan (ROC), and China (PRC) both use Mandarin as their standard and official language. The accent is quite different in both countries, but the language is fundamentally the same. Both China and Taiwan have regional dialects too. Taiwan has about eight different variations on their Min-nan-yu that varies from county to county, not to mention a large minority of Hakka speakers who speak a fairly different Southern Chinese dialect. Mainland China has 13 dialect groups with many subdialects that are often not mutually intelligible. Additionally, there are many ways to say Mandarin in Chinese:

(1) Guo-yu (country language – Taiwanese usage),
(2) Hua-yu (Chinese language)
(3) Zhong-guo-hua (Chinese language)
(4) Han-yu ( The language of the Han ethnic group. The name Han is from the Han dynasty and Chinese people refer to themselves as Han people.)
(5) Pu-tong-hua (the common people’s language – used in Communist China)

You might also like:

How do you find a Spanish Speaking Notary?

Where can I find a Spanish Speaking Notary?

Where can I find a Japanese speaking Notary?

Where can I find a Japanese speaking Notary?

How can I find a Vietnamese speaking Notary?
http://blog.123notary.com/?p=18816

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November 23, 2010

New Laws for Notaries in Illinois

New laws for Notaries in Illinois 
(1) An Illinois notary public who notarizes a document of conveyance of qualifying residential real estate in Cook county will be required to create a Notarial Record and take a THUMBPRINT of the seller and provide for record keeping of the notary record to all responsible parties.
 
(2) Identification documents must be current / valid at the time of the notarial act and must be issued by a state or federal government agency and must have a picture of the person’s face, plus a signature of the individual.
 
(3) An Illinois notary public who is a principal, employee, or agent of a title insurance company, title insurance agent, financial institution or attorney must deliver the notarial record within 14 days to their employer who must keep the record for seven years.  (this is an unusual sounding rule)
 
(4) An Illinois notary public who is NOT an employee or agent of a title insurance company, title insurance agent, financial instritution, or attorney must submit the notarial record within 14 days to the Cook county recorder of deeds office. 
 
(5) The notarial record must be kept confidential and may only be disclosed by subpoena.  Further, the notarial record is not subject to the Freedom of Information Act.
 
(6)  Thumbprints.  An Illinois notary public shall require the signer of a document of conveyance, or sale of property (deeds effecting real property) to have their right thumb printed in the notary record (journal)
 
(7) The Illinois notary division gives a definition that residential real property means a building or buildings located in Cook County, IL that has one to four dwelling units or an individual residential condominium unit.
 
(8) An IL notary public may only perform notary acts if they live in the same county they were commissioned in– unless they reside in a state bordering Illinois and have a work address within that county.
 
  Sec. 3‑105. Authority. A notary public shall have authority to perform notarial acts throughout the State so long as the notary resides in the same county in which the notary was commissioned or, if the notary is a resident of a state bordering Illinois, so long as the notary’s principal place of work or principal place of business is in the same county in Illinois in which the notary was commissioned.

(9)  Moving causes your IL notary commission to be nullified
 
Sec. 4‑101. Changes causing commission to cease to be in effect. When any notary public legally changes his or her name or moves from the county in which he or she was commissioned or, if the notary public is a resident of a state bordering Illinois, no longer maintains a principal place of work or principal place of business in the same county in Illinois in which he or she was commissioned, the commission ceases to be in effect and should be returned to the Secretary of State. These individuals who desire to again become a notary public must file a new application, bond, and oath with the Secretary of State.

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August 3, 2010

Funniest things that happen to Signing Agents

Funny situations at signings for signing agents
Signings are usually very normal, but our notaries and signing agents have seen almost everything from roach infested houses, to naked signers, to having a tornado come to the signing. Here are some noteworthy experiences that are from our FACEBOOK profile on May 25th, 2010. WHICH ONE IS THE FUNNIEST?

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If you like this post and would like to receive our FREE notary newsletter, just email us at info@123notary.com and request a subscription. The newsletter has links to new articles, tips, discussions, and information about signing companies for mobile notaries!
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Chicken coops
I had to walk around the chicken coops while he collected just hatched eggs. I brought home a 1/2 a dozen.

The two year old
A two year old decided to take all our blue pens hide them and mom could not find them, Lesson keep more pens in the car.

The angry husband
It was probably when a couple began arguing with me present. The husband yelled that she never let him read anything in peace or make a decision so he took his car keys and screeched out the driveway only to end up accidentally running over his kid’s bike in the driveway. We had to wait for him to return so that he could sign the papers as well but… She kept muttering under her breath that he doesn’t understand what he’s signing so what ‘s the point (had to agree with her he seemed unnecessarily confused). Funny thinking about it now but it was dramatic and awkward then. Only two weird incidents like this but they stick out like sore thumbs lol

5 dogs & 3 kids
As a signing agent, I had to notarize for a couple who had 5 HUGE dogs and 3 super hyper kids, that were taller than me, mind you I’m only 4′ 11″ (in high heels! lol ), before I even rang the door bell, I knew it was going to be a challenging job, there were toys all over the front yard, and of course there was a HUGE gate, that I had to get on a tippy toes in order to reach the latch, I walked to the front door, and sure enough, as soon as one of the kids answered one of their huge dogs decided to jump on me and smell me!! to get to know me of course! lol, oh man, I’m cracking up just remembering! The family was so friendly and full of love, it was not a bad experience at all after I shared all my extra pens and paper with the kids.. they were so sweet they even took my business cards and handed them out to their friends and colleagues, I really appreciate that! All in a notary’s day’s work!!

The mistress
I had called the Borrower the day before to confirm, and for some reason I guess the Wife thought I was the Mistress, because that night at 2am, I received a phone call, screaming at me, yelling at me, asking me why i was cheating with her husband, etc!!!!. When i arrived in the morning to the signing, it was the most awkward thing in the world!!!

He had the H1N1 Virus and died soon after
Was told by the signer if her boyfriend came home to grab the papers and run. That was stressful. But the worst one of all happened in April of this year. The signer was an old man with a walker. He started the conversation with I have the H1N1 virus with a 102* fever. He said “Is that okay with you?”. I told him to go home, get better and then resign. I called a few days later and he had died. Very sad.

The little boy
I went to a signing out in the middle of nowhere. The little boy, probably about 4, comes running out and hugs my legs. The Daddy tells him to get back in bed, he hugs tighter, Dad starts to count to 3.. I tell him you better run. Just as his Dad gets to 3, he tears loose and runs and jumps in bed. Then he yells out.. “Hey Lady, whats your name?”.. I say Susie, he yells out “Good Night Susie”..

The naked daughter
Awkward…at a extravagant house w a couple in the morning. Middle of signing the 3 year old daughter comes running out naked. Wouldn’t stop jumping all over the couches and running around. NAKED.

The argumentative selling agent
I had a sale in which the Selling agent and the Seller were arguing. The Selling agent had called the police because he said their dog had bit him when they conducted the final walk through. The Seller’s insisted it did not happen. It was a hostile closing environment until the agent decided to drop his pants to show the teeth marks on his buttocks! I was in tears from laughing so hard. It remains my funniest closing to date.

Can you help give birth?
I was scheduled to do a closing and the borrower called me the morning of to cancel unless……..I was willing to come to labor and delivery as the wife had gone into labor that morning…..but they really wanted to sign that day. I called the company and they said it was my call. I decided to go. They had to get me cleared through security. We would sign a few pages and take a break, then sign a few more and take a break. I did let them know that they could kick me out at anytime…..lol. We did complete the closing. I didn’t stick around for the birth and don’t know if they named the baby after me or not…..but it has been a great story to tell!

Signing on the hood & Affidavit of &#%
There are a couple of them that stick out in my mind.
1- the request to notarize an affidavit saying this lady never had*****with another ladies husband. people think just because i notarize it it is the truth.
2- the lady who insisted i come to her home at 11 pm and sign documents on the hood of my car, down the block cauz she didnt want her boyfriend to know what she was doing. Oh yeah, she snuck out of the house through a window in her nightgown lol. And she was a fairly large woman.

1 – I went into labor at a signing and tried to hide it from the borrower because the first comment he made when I walked into the front door was, “you’re not going to have that baby today are you?” (I did actually)
2 – I had a borrower on a reverse mortgage closing who was expecting me to arrive with a brief case full of cash because he was receiving $70,000 as a lump sum disbursement. Also, he lived in a mobile home on blocks and planned on putting the cash in a floor safe.

Once you get here we can untie my husband
I accepted a signing and when I inputed the address into my GPS, it turned out to be a hospital. I called the client to ensure I had the correct address and she stated, “yes, we are in the lobby waiting for you. Once you get here we will untie my husband’s hands so he can sign this will.” Needless to say, I cancelled!

The tornado
I was sitting at the kitchen table facing the patio, which was high off the ground, doing a signing. It was cold in the house and I thought the borrower had turned on the heat when she got up, but it was too noisy to be heat. My mouth flew open as a huge stainless steel barbecue grill traveled quickly past the patio doors. What I thought was the heat, turned out to be the freight train sound of a tornado! We looked outside and a tree was down, the legs of their covered swing had gone through the side of the neighbor’s garage, and the people across the street had shingles ripped off a quarter of their roof like you would rip the label off a jelly jar. News crews came to cover the tornado while we finished up the signing. My car and the borrower’s house were fine.

Are you allergic to cats & snakes?
As I walked to the door I knew it was bad..bo meets me asks if I am allergic to cats. Um no. Good she said she has 40 and we go in..She turns and asks what about snakes? Um NO..We walk in and cats and snakes..big ones all in and out of cages all over the place..My lungs hurt from the stench..Got out in a big hurry! Yuk!
 
Let us know which one you think is the funniest, and let us know if you have some funny stories of your own. As you can see, our signing agents have a very interesting life — at least from time to time.
 
Tweets:
(1) The notary was asked to notarize an affidavit that claimed the signer never had $&%
w/the other ladies husband!
(2) One you get here (to notarize) we can untie my husband!
(3) One signer asked, “Are you allergic to cats or snakes?” What kind of signing is this going to be?

Other related reading material.

Compilation of Notary sit-com episodes
http://blog.123notary.com/?p=15949
 
Tips on being the worlds worst notary or signing agent
http://www.123notary.com/forum/topic.asp?TOPIC_ID=1910
 
Humorous and interesting posts from the forum
http://www.123notary.com/interestingposts.asp

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July 18, 2010

Confirming the signing

Introduction
As a notary, there is a lot to know. There are notary laws from your state, navigating your area, business and interaction skills, and much much more. Most notaries take some sort of a loan signing course to get into the mobile notary business. But, loan signing courses don’t tell you everything you need to know! There are always things they don’t tell you because the author either doesn’t know, forgot to put in the book, or didn’t think was important. Other situations don’t hae a set way of being handled and can only be dealt with using a personal approach. This blog entry will deal with some select hot tips on how to handle a signing.

Confirming appointments
As a notary, signing companies will offer you jobs, fedex you a package, and expect you to show up on time to the appointment. How often have you gotten to an appointment only to find that the borrower is surprized by the numbers, or didn’t realize that their cousin Sam needed to be there for the signing, since Sam was on Title? The lending profession is filled with tricky characters who promise one thing, and then when the borrowers see the paperwork with the notary sitting there, they feel pressured to sign, even when they don’t like the fact that they have been hoodwinked. The notary often has to sit through long conversations with the lender that should have taken place BEFORE the signing, not during. Lenders are often sloppy, and don’t fully inform the borrower about all of the numbers on the loan. So, what does the notary need to do to avoid this type of drama? A thorough confirmation call solves the problem.

Going over the numbers
Once the notary has the loan package in their hand, they should call the borrower and go over the Rate, APR, and payoff amounts listed in the Settlement Statement. The notary should go over all Escrow payments, and what the monthly payments are, prepayment penalty, and if its an Adjustable Rate Loan, what the cap is, etc. Additionally, the notary should have the borrower read their ID to the notary, and what the NAME is on their ID, and confirm what individuals will be at the loan signing. Thats a lot to go over. However, it only takes three or four minutes, and will save you hours during those times when there are suprizes — which seems to be 25% of the time. If the borrower is not happy with any of the numbers, cancel the appointment. Don’t waste your time getting into someone else’e drama.

How much time is needed?
Another aspect is discussing how much time the borrower would like to have signing the loan. Its not the notary’s job to sit for six hours while the borrower reads every word in the whole package, and then rereads certain important documents. The notary and borrower should agree ahead of time how much time the borrower needs to that the notary can plan their evening and other appointments. The notary should explain that the borrower has three days not including Sundays and Federal holidays to cancel their loan, so they can skim through it and read their borrower’s copies after the fact. The borrower can cancel in writing and the loan is off, if they cancel before the deadline.

Scheduling and venues
Explain to the borrower when you will be coming, and let them know if you might be slightly early or late… and how late. Some borrowers have issues with their homes. Some have family over or rambunctious children. Others have pets. I always offered to take pawprints just in case Fluffy ever got lost. I’m not convinced that cat pawprints are as unique as human fingerprints though. Its the thought that counts. If a borrower can’t sign at their home for any reason, its good to find a good cafe or restaurant where you can sign. Don’t forget to read in the forum about drinks at signings. Thats a very popular and critical topic. You don’t want your “tall latte” all of the right to cancel, otherwise you will have a very “short signing”.

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Getting your travel fee at the door

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March 25, 2010

Popular 3rd tweet for blogs

Filed under: Uncategorized — admin @ 11:45 am

(1) iPhone 7: Smart attorney app sues virtual attorney for claiming he’s actual attorney

New Notary Apps for the iPhone 7 that you’ve never dreamed of!

(2) Types of weapons notaries could bring to a signing: large flashlight, ring of keys, gun, etc.
http://blog.123notary.com/?p=9827

(3) How much money is your life worth to you. Scheduling too tightly could end it!
http://blog.123notary.com/?p=9819

(4) Most notaries would rather that the phone just didn’t ring

$30 loan signings. Is it worth it even in the best of circumstances?

(5) Most parents in NC overwhelmingly support the idea: adolescents should be able 2obtain confidential medical services.
http://blog.123notary.com/?p=10165

(6) Cancellations are a real fact of notary life, but double booking can ruin your rep!
http://blog.123notary.com/?p=9312

(7) 123notary can change your county & state on file in a snap. But, changing your neighboring counties?
http://blog.123notary.com/?p=9339

(8) A family of Italians needs an Apostille on a POA drafted in Italy. Everything goes wrong. Find out more!
http://blog.123notary.com/?p=8740

(9) When you scan your work to double check, do you know what to look for?
http://blog.123notary.com/?p=9291

(10) Your listing is like your front lawn. If you don’t maintain it, people will think nobody’s home.
http://blog.123notary.com/?p=9286

(11) There’s plenty of fast food, but not enough fast notaries!
http://blog.123notary.com/?p=8699

(12) Nobody owns you or manages you unless you let them! When it comes to the worst notary jobs, “just say no”

Poo Picking – getting the best notary jobs

(13) Half of the job is knowing how to handle difficult people! #signingagent
http://blog.123notary.com/?p=9265

(14) Sometimes the worst clients are the very rich, celebrities, public officials, corporate leaders, etc.
http://blog.123notary.com/?p=8628

(15) I just died, my ID is with my body down there.

Witnessing the intake forms for Notary Heaven

(16) Their signing took place at The Notary Hotel & the wife requested a wakeup call after the signing was done.

Welcome to the Notary Hotel

(17) As to setting your fee; set a rate that allows you the time to earn Memorable status –
http://blog.123notary.com/?p=8390

(18) Wondering if a phone # a girl gave you is legit? Get it notarized!
http://blog.123notary.com/?p=8781

(19) He wanted us to remove a notary. I told him we don’t remove notaries based on one-sided stories

Who really needs who?

(20) When I called the borrowers, the wife picked up and thought I was the mistress! I’m the notary!
http://blog.123notary.com/?p=8377

(21) She tried all day to find a notary, then gave up and had an ice cream. The guy behind her was a notary!
http://blog.123notary.com/?p=7023

(22) High class co’s pick the best of the best notaries. If you’re on 123notary.com, you’ve already cleared an important hurdle.

We require notaries to be registered on our approved list

(23) Grow your client network. Do inexpensive work and pass your card out to everyone! #notary
http://blog.123notary.com/?p=6358

(24) I decided then and there to be the notary monster myself.

Honey, I notarized the kids (don’t try this at home)

(25) One guy met a notary in a bar & said, “I’ll buy you a drink if you stamp my God damn form!”
http://blog.123notary.com/?p=7019

(26) Live in the present & gain happiness by being indifferent to appointments being cancelled!
http://blog.123notary.com/?p=4764

(27) Moishe: “The land belongs to Israel.”
Fouzi: “Do you have a notarized Deed to prove it?”
http://blog.123notary.com/?p=7015

(28) A loan processer 30 year vet didn’t know the technical term for the “date of signing”

Does Real Estate experience help as a notary?

(29) Listing your language skills can help get more clicks on 123notary.

10 quick changes to your notes that double your calls!

(30) If you make over ten grand, you should get both NNA certification and our certification.
http://blog.123notary.com/?p=8520

(31) Be an upbeat person who gets the job done and doesn’t create obstacles for others.

He made $35,000 a month his first year in business?

(32) Realtor “I need to use the half bathroom”; Notary: “Are you going to do a #half or a number 1?”
http://blog.123notary.com/?p=6609

(33) Has a signing company ever gotten you to do something for free? Ha ha, you just got played!
http://blog.123notary.com/?p=3997

(34) Banks have liberalized loan terms, so it is easier to get a loan = more biz for notaries!
http://blog.123notary.com/?p=6999

(35) The notaries who attract the most work get multiple certifications, reviews, and have great attitudes.

A great attitude gets the most jobs

(36) If Arnold Schwartzenager became a notary public, he would be known as “The Noterator”.
http://blog.123notary.com/?p=6461

(37) A #Jurat is a notary act requiring the signer 2sign before the notary, swear & be identified.

What is a Jurat?

(38) “We need to get rid of the witness, but I can’t tell the 2 blondes apart”

The Notary, The Mafia & The Fedex Drop Box

(39) “Young man, have you ever thought of becoming a notary public? You just might have the right stuff!”

Tomorrow’s Notary Publics

(40) U must meditate on 1-ness. Unless ur signing is for a husband & wife in which case u need to meditate on 2-ness.
http://blog.123notary.com/?p=4825

(41) The wife abrupty left the signing table & ran thru the house w/the husband chasing her. What a bunch of nuts!

She ran through the house like a mad woman…

(42) “Does the seal on the embossed oreo cookie have an expiration date?” Jeremy asked.

My date with Jeremy

(43) A quick guide to being a notary including: journals, seals, identification, witnesses, jurats, oaths & more…

What is a notary public?

(44) E&O refused to cover the notary since she didn’t make an error or an omission. It was the Lender’s fault!

Help, I’m being sued, and E&O won’t help

(45) When you wait for a client to show up who’s late, ur held hostage w/o waiting fees or travel fees.

The Starbucks notary wises up!

(46) The ghost of the former owner of this Victorian mansion decided to drop in for the notary signing.
http://blog.123notary.com/?p=3464

(47) Notaries who get ahead put hard information in their notes, not bragging or unverifiable claims.

How to write a notes section if you have no experience

(48) Want a type of loan where your rate goes down every year? Try a parachute loan!
http://blog.123notary.com/?p=4135

(49) 3 ways to supersize your notary business that only take a few minutes per day!

What tasks can you do which are worth $1000 per minute?

(50) We found the notary who assisted with the “abduction” paperwork, but she wouldn’t answer my calls!
http://blog.123notary.com/?p=3239

(51) Wife: “The next thing you will ask for is a blood sample.”
Vampire Notary: “Funny you should mention that.”

Vampire Notaries: 24 hour service

(52) It is illegal to use your seal on a blank piece of paper. Yet jails usually require this! (cross it out)

Signing agent best practices: 63 points

(53) I’m the bartender notary; I talk bar talk. It’s my trademark to serve drinks and make smalltalk before signing.”

Bartender Notary: A reverse mortgage on the rocks!

(54) You don’t need to ID him because he looks old, but you look about 18 Mr. Bartender, so we should ID you!

3 Notaries walk into a bar

(55) The notary later learned that the inmate she notarized was in prison for child pornography.
http://blog.123notary.com/?p=3365

(56) Many elderly signers feel they are being taken advantage of, and that they have a weakness.

Notarizing Documents for the Elderly

(57) One Texas Notary went to a signing & was greeted by a man pointing a rifle at her.
http://blog.123notary.com/?p=3329

(58) The (female) notary had this bad feeling that something just wasn’t right.
http://blog.123notary.com/?p=3178

(59) The lady expected the notary to drive around the block for an hour until she showed up!
http://blog.123notary.com/?p=3120

(60) California lost 44% of it’s notaries from 2007 to 2012 according to a Census count.
http://blog.123notary.com/?p=3230

(61) The Lender asked Shelly to notarize someone who wasn’t there & she reported him to the Secretary of State
http://blog.123notary.com/?p=2961

(62) The Notary forgot that the wife had to sign & then used white out to modify the documents!

California notaries with complaints

(63) If you put a FedEx containing a cashier’s check in a drop box, that is a recipe for disaster!

Don’t put the Fedex in the drop box!

(64) How do you document an Oath that has no accompanying documentation? #Notary #Journal

How much should a notary charge for swearing in a…

(65) The police caught the hit & run driver within 48 hours after the Notary chased them down & got a plate#
http://blog.123notary.com/?p=2173

(66) Our scary demand letter threatens to report the late paying signing co to the SOS, Attorney General, DA & more!

Scary results when a notary uses our letter from hell

(67) I used to make my own permission to travel for minors form with blanks for dates, names & thumbprints!

Make your own notary certificate forms!

(68) Mortgage terms are surprisingly similar to chiropractic terms. Do you know what an adjustment date is?
http://blog.123notary.com/?p=1070

(69) 1 day I called 200 people & 1 called me back. When I asked who he was, he told me I should know cuz I called him!
http://blog.123notary.com/?p=973

(70) It is common for signing companies to pay on time, but then start paying late the minute they have financial problems.
http://blog.123notary.com/?p=968

(71) Many notaries fear bad reviews as dangerous, but the real problem is not having any reviews!
http://blog.123notary.com/?p=811

(72) Read real stories about four low-ball signing companies.

Low Ball Signing Companies

(73) The notary profession is easy to get into which means there’ll be lots of low priced competition!

Pricing for notary work: different strokes for different folks

(74) Many notaries just don’t answer their phone or email after a signing which can cause a nightmare.

Things that get notaries complaints

(75) The signer could barely move her arm, so the daughter grabbed it, put a hen in her hand & moved the arm around!

Dragging the person’s arm

(76) You could spend up to $3000 for a really good mobile office. Don’t forget to start w/an inverter!

Mobile Offices from A to Z

(77) Many notaries miss half of their job offers because they refuse to answer the phone during a signing.
http://blog.123notary.com/?p=443

(78) Some notaries save time by notarizing before the signer signs! This is illegal!

Notary Public: Just Say No #3

(79) Learn the finer points of journal entries: where credible witnesses sign, thumbprints & notes.

Everything you need to know about journals

(80) One signer asked, “Are you allergic to cats or snakes?” What kind of signing is this going to be?

Funniest things that happen to Signing Agents

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Recurring popular tweets

Filed under: Uncategorized — admin @ 11:43 am

(1) Iphone 7 Siri to be more advanced. Voice changes depending on quality of signing company calling you

New Notary Apps for the iPhone 7 that you’ve never dreamed of!

(2) Tight schedules are part of being a notary. But, don’t make it too tight or u’ll start feeling tightness in your chest!
http://blog.123notary.com/?p=9819

(3) How can you survive in any business if you don’t carry yourself like a pro?
http://blog.123notary.com/?p=9312

(4) You need to keep meticulous records to determine whose at fault if there’s a mistake!
http://blog.123notary.com/?p=9291

(5) Most of the notaries complaining that they can’t make money are notaries who didn’t do their homework.
http://blog.123notary.com/?p=9265

(6) To handle an Elite Signer you have to be an Elite Notary. Now you are going way beyond competent to reaching beyond perfection –
http://blog.123notary.com/?p=8628

(7) Notary Heaven Section 263: That’s where we put good notaries who didn’t make their child support payments.

Witnessing the intake forms for Notary Heaven

(8) At The Notary Hotel: they didn’t observe the don’t disturb sign while I was reading the Settlement Statement!

Welcome to the Notary Hotel

(9) Al: “If it weren’t for us signing services, notaries wouldn’t work!” Carmen thinking: “Is this guy serious?”

Who really needs who?

(10) Notary: “I’m not the mistress, I’m the notary!” Wife: “Then why were u driving late last night w/ur lights off?”
http://blog.123notary.com/?p=8377

(11) Mint… and Meant to be – when her passion for ice cream & a notary aligned.
http://blog.123notary.com/?p=7023

(12) The notary has this big clamp, and if you’re not good, he’ll clamp you with it, and it will hurt!

Honey, I notarized the kids (don’t try this at home)

(13) Real Estate Brokers need to get real! You don’t know ur loan docs as well as you think you do!

Does Real Estate experience help as a notary?

(14) Clearly stating how far you’ll travel is very good for your business

10 quick changes to your notes that double your calls!

(15) Most notaries on our site not certified by us have roughly half the loan signing knowledge.
http://blog.123notary.com/?p=8520

(16) If others create obstacles for you, then create policies for dealing with these problems instead of complaining. Winners find solutions.

He made $35,000 a month his first year in business?

(17) A great conversation on the phone often attracts jobs and good reviews, which attracts more jobs. Always answering the phone helps!

A great attitude gets the most jobs

(18) The TSA will be involved in notary signings. It will be illegal to bring sharp objects to signings.
http://blog.123notary.com/?p=6461

(19) The Notary takes $10 million in drug money to the Title company by accident.

The Notary, The Mafia & The Fedex Drop Box

(20) Kids play “cowboys and Indians.” No child on record has been caught playing “notary publics and document holders.”

Tomorrow’s Notary Publics

(21) Not getting paid on time? It’s because u didn’t look within to research these dead-beat companies.
http://blog.123notary.com/?p=4825

(22) The notary asked, “Can I get an Alaskan moose with Russian dressing. They’re our next door neighbors!”

My date with Jeremy

(23) If customers come 2u, let’em know if they don’t show up on time, they’ll only have 3 minutes grace period. –

The Starbucks notary wises up!

(24) A creaking noise; a sudden thump; This was a notary signing that would raise the dead. #victorianmansion
http://blog.123notary.com/?p=3464

(25) The rock climbing notary admitted that many of his friends were addicted to cracks.
http://blog.123notary.com/?p=4135

(26) Vampire Notary: “I like your ID picture. You have nice rosy cheeks, you must have good circulation, do you work out?”

Vampire Notaries: 24 hour service

(27) Notary topics: Hand-written docs, Blanks in docs, seal over wording, loose certificates, overseas docs.

Signing agent best practices: 63 points

(28) A man in prison was refinancing his home to get money to hire Attorneys. What was he in prison for?
http://blog.123notary.com/?p=3365

(29) 1 borrower felt she was being cheated, whipped out a rifle and said, “Oh no you don’t!”
http://blog.123notary.com/?p=3329

(30) The guy had a female mannequin in his living room. He said he had it there because he felt alone.
http://blog.123notary.com/?p=3178

(31) The Attorney General investigated the Lender & the 3 notaries involved & busted Susie for fraud.
http://blog.123notary.com/?p=2961

(32) A Notary accepted a job, then cancelled right before the signing when she learned the signing co. had a bad payment record.

California notaries with complaints

(33) Once I put a FedEx in the drop box that never got delivered. FedEx found it a week later still in the box!

Don’t put the Fedex in the drop box!

(34) When you call people back, don’t expect them to know who you are — announce your name right away!
http://blog.123notary.com/?p=973

(35) Everything you need to know about journals, but were afraid to ask.

Everything you need to know about journals

————————–
5+ tweets
————————–

(36) If a signing company calls with bad reviews, Siri’s tone of voice will sound suicidal using this new app.

New Notary Apps for the iPhone 7 that you’ve never dreamed of!

(37) Everyone makes mistakes, it’s how willing you are to make amends for them that determine your success w/clients.
http://blog.123notary.com/?p=9291

(38) iPhone 7 Notary to go app tells you if neighbors or kids are too close to your car

New Notary Apps for the iPhone 7 that you’ve never dreamed of!

(39) Hmm. It says here on your Akashic records that you were a good notary. You never backdated.

Witnessing the intake forms for Notary Heaven

(40) After being tested out on seven different signing agents, the iPhone 7 provides Siri with badly needed automated therapy.

New Notary Apps for the iPhone 7 that you’ve never dreamed of!

(41) The notary heaven clerk noted that his commission seal expired after he did.

Witnessing the intake forms for Notary Heaven

(42) At The Notary Hotel, Showtime & HBO are free, but the Signing Channel costs $40 (not including fax backs)

Welcome to the Notary Hotel

(43) Notary purgatory: For all of eternity, dead notaries get clients who sign differently on each page.

Witnessing the intake forms for Notary Heaven

(44) Check out the digital signature rooms at The Notary Hotel

Welcome to the Notary Hotel

(45) The only reason Title/Escrow use signing services is that it is “convenient” for them!

Who really needs who?

(46) Who really needs who? Do notaries need signing services? Do Title co’s need signing services?

Who really needs who?

(47) The wife had postponed the signing from 7:30 to 9:30pm so she would know where her husband was at that nightly hour.
http://blog.123notary.com/?p=8377

(48) I cut up an ink pad and made a cardboard box that read “notarized” backwards like a mirror image.

Honey, I notarized the kids (don’t try this at home)

(49) After we were done w/the “signing of silence,” I saw a car driving slow w/their lights turned off. #mistress
http://blog.123notary.com/?p=8377

(50) Frank: “Honey, I notarized the kids.” Molly: “What do you mean?” Frank: “I’ll explain later, don’t call the police!”

Honey, I notarized the kids (don’t try this at home)

(51) Wife: “Are you the notary or the mistress?” Notary: “I’m the notary, the mistress isn’t coming until later on (I guess)”
http://blog.123notary.com/?p=8377

(52) The number of years you’ve been in business isn’t as important as the number of loans.

10 quick changes to your notes that double your calls!

(53) Needless to say, it was the most awkward Wisconsin notary signing in the world.
http://blog.123notary.com/?p=8377

(54) 123notary certified notaries get 78% more clicks and 2.5x the business as 123notary uncertified notaries in similar positions!
http://blog.123notary.com/?p=8520

(55) Not getting Title co clients? See if your notes section conveys ur the type of notary they’re looking for.
http://blog.123notary.com/?p=4825

(56) Running 123notary is more like babysitting than you think, “Did you update your listing? Did you update your notes? Did you renew yet?”

My date with Jeremy

(57) After the signing w/Vampire Notary, the 4 of them enjoyed a sip of Sangria (the Italian word for BLOOD)

Vampire Notaries: 24 hour service

(58) “FedEx?” I said. “Why FedEx?” “That’s where my dates always end–at a FedEx drop box.”

My date with Jeremy

(59) The day after the signing w/the Vampire Notaries the wife asked: “Fred, what are those strange marks on your neck?”

Vampire Notaries: 24 hour service

(60) Running 123notary is like a cross between babysitting & a marriage. A bunch of situations that never end!

My date with Jeremy

(61) Don’t go to houses that smell bad #mobilenotary

Signing agent best practices: 63 points

(62) People who are so emotional & irrational aren’t always capable of using weapons responsibly, especially at a signing!
http://blog.123notary.com/?p=3329

(63) Notary contracts, fees at the door, background screening signing co’s, call Title if not paid on time.

Signing agent best practices: 63 points

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