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January 21, 2011

Notary Pick Up Lines Part 2

Filed under: Humorous Posts — Tags: — admin @ 10:40 am

This one was written by a guest blogger.
It is rated (R), so if you are tight on morality, please skip on to the next one!

You get my stamp of approval that’ll never expire.

Lien on me, baby.

After impressing my notary seal to this document, I’d rather impress you.

How ‘bout affix-up? (or… How ‘bout an affix-up?)

Let’s talk dirty and swear under oath.

What do you say we change the venue to my place?

If you look at another notary’s writs, I’ll get subpoenas-envy.

Is that an embosser in your pocket, or are you just glad to see me? (off the old come-on first made famous by Mae West that’s lived ever since, “Is that a gun in your pocket, or are you just glad to see me?”)

After acknowledging you signed a document, feel like acknowledging my existence?

While you certify that date, how ‘bout certifying our date?

I affirm under penalty of law you’re hot.

Why bear witness to documents when we can bear each other’s souls?

It’s a crime if you don’t go out with me, punishable by the death of my social life.

Forget power of attorney. Right now I’m thinking about the power of that blouse (you’re wearing).

Come witness our initials in that tree.

There’s no statute of limitation to how much I want you (right now).

Hi. If I’m bothering you, it’s just a duress rehearsal.

(some slightly edgier ones…)

After you sign the deed, how ‘bout we do that other deed? (the proverbial “dirty deed” as in screw.)

This is just my notary public façade. Wait till you see my privates.

I’m state-approved. Care for a drink? I’m also state of intoxication-approved.

Are you as loose as that certificate? (re: “loose certificate”)

My seal isn’t the only thing that’s raised right now.

.

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But, I’m still a virgin!
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Notary Pick Up Lines Part 1
http://blog.123notary.com/?p=9851

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How many years is a Notary commission good for?

Filed under: Technical & Legal — Tags: , , , , — admin @ 9:33 am

How long does a notary commission last? How many years is my notary commission good for? How many years is my term of office as a notary public?

The answer is that it varies from state to state.

An Alabama Notary commission is good for 4 years

An Arizona notary commission is good for 4 years

Arkansas notaries are commissioned for 10 years.
A California notary commission is good for 4 years.

A Colorado Notary commission is good for 4 years
A Florida notary commission is good for 4 years
An Illinois notary commission is good for 4 years

Louisiana notaries are commissioned for life and have the hardest training program of any state.

A New Jersey Notary Commission is good for 5 years
A Pennsylvania notary commission is good for 4 years
A Texas notary commission is good for 4 years
A Washington state notary commission is good for 4 years

But, some states have an unusually short term of office for notaries like Delaware which is only a 2 year term of office.

Some states have a short term of office, while others have a longer one.
The majority of states have a four year term, but a few have a five, six, seven, or even longer term.

Our forum article below covers even more states and their lengths of notary terms of office.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3955

Penalties for notary misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public general information
http://blog.123notary.com/?p=20075

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January 17, 2011

What is a credible witness notary or notarization?

Filed under: Credible Witnesses — Tags: , , — admin @ 3:43 am

What is a credible witness notary or credible witness notarization? 

There is no such thing as a credible witness notary.  Credible Witnesses are individuals who are willing to swear to the identity of another individual who is signing a document in the presence of a notary public.  The notary who is notarizing a signature may not act as a credible identifying witness.  However, some states allow a notary to identify a signer based on personal knowledge which is similar in nature (but not terminology) to being a Credible Witness.
 
There is also no such thing as a credible witness notarization.  However, you could refer to a notarization as one that uses credible witnesses.  Credible identifying witnesses should not be used unless a proper identification document is not available.  Please also keep in mind that many credible witnesses these days do not know the full name of whomever’s identity they are swearing to.  For the sake of integrity, you might want to ask the proposed credible witness, “What is this man’s full name?”. If they say, “Joe?”, and then shrug their shoulders, then perhaps they don’t know Joe as well as they should to be a credible identifying witness.

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Where do credible witnesses sign the notary journal book?
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Oath of two credible witnesses
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Subscribing witnesses and Signature by X
http://blog.123notary.com/?p=2278

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A Massachusetts Notary Speaks Out. A coerced signature.

Filed under: Technical & Legal — Tags: — admin @ 12:02 am

A few days ago I spoke to a Massachusetts Notary Public on our list. She told me that there are some strange laws out there that almost got her in trouble. She had to appear before a judge due to a Notarization gone wrong. The wife was forced to sign by the husband and she didn’t really want to. I think they were from a foreign country where men boss people around because American men know what will happen to them if they boss people around.

Unbeknownst to me, there is an unusual law in Massachusetts where for some or all Notarial acts, the Notary must ask the signer (or ask the signer to swear — forgot which) if they are signing on their own free will.

I have never heard of a signer being coerced to sign in America. In India it happens a lot when people want to steal your property.

The judge made the Notary promise to always make the signer claim that they are signing under their own free will otherwise their commission would be revoked. Yikes. But, that is not a bad law.

I wonder why we don’t have that law in California. We have all types of other nonsensical laws. Hmmm.

Acknowledged signature
Witnessed signature
Forged signature
UnCoerced signature

So, now we have a new notary act — an uncoerced signature. That should be its own act not to be confused with an acknowledged signature.

The moral of the story is, if you notarize strange foreigners where the men think that men can still act like men and get away with it, beware, they might be forcing the females to sign.

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January 13, 2011

Notary Jobs: None Bad, All Bad, Some Good

Filed under: Ken Edelstein,Notary Fees & Pricing,Popular on Facebook (A little) — Tags: — admin @ 12:23 pm

Notary Jobs: None Bad, All Bad, Some Good
As is often the case I use an unusual title to perk your interest in my current installment. This one focuses on what assignments you actually accept. Yes, it’s you who determines what you do. They make “offers” you have the final decision. Of course when they “walk in” to a place of public accommodation your local laws probably prohibit you from refusing service without a good reason. But, as mobile notaries; our assignments are generally offered over the phone or via email; we are free to accept or decline.

Actually reaching an agreement to None is bad for business; you will have no revenue. If you are a mobile notary that’s probably not the situation you are looking for. The reverse is also true. Accepting All offers, though sometimes tempting; will in the long run be bad for your “bottom line”. A lowballer will never forget your acceptance of a 55$ edoc fee. “Once they see how good a job I do they will be willing to pay more” – that’s a pipe dream.

So, most of us live in the land of Some. Prior installments have discussed the often humorous aspect of some tendered offers. Hopefully, or should it be hopelessly; few of us are willing to drive 150 miles, in the middle of the night, thru a snowstorm; for the princely sum of 75$. Offers of that type remind me of a phrase used when I worked at a brokerage firm with a pet bull. “The cows may come and the cows may go; but the bull is here to stay”.

We need to actively filter the call/email to determine, quickly, the essence of the offer. If you don’t know the what, when and where; merely knowing the dollar amount, is inadequate to make the accept or decline decision. Unless, of course, the offer is for a very low dismissible fee. You need to get the real specifics, nothing can be vague, and nothing can be assumed. I once accepted an offer “in New York” assuming they were referring to within the city. Nope, they wanted me several hundred miles north of the city, hours away. Was it a misunderstanding? Or bull?

Be it misunderstanding, or bull, or a “change” in the specifications; how do you respond. What would be your reaction to the following scenario? They offer your standard rate for an edoc that is not too far from you. They say it’s about 125 pages and there are no special requirements (because you asked). You receive the confirmation and await the docs. Finally the docs arrive and the top page stresses the need to print 3 sets of the 185 page package. One set is for borrower. The other two sets are to be fully executed, and both faxed back “for approval” and when approved a pair of FedEx labels will be sent for shipment. You are also required to remain with the borrower until your faxing is approved. Probably the SS did not know the additional tasks, and, let’s assume relayed accurately all they knew.

Are you stuck with a wet baby on your lap? Of course not, it’s “bounce back” time; or they must greatly increase the fee. I would require an immediate PayPal full payment; fool me once shame on you, fool me twice shame on me. It’s very hard to actually receive at a later date a fee that was raised from the initial offer. The “miscommunications” is not your fault, or problem.

Thus, even when you take care to select Some, bad things can happen. It is how you react, and what you now demand (yup demand – if they want you to stick with it); that determines if you will be exploited or paid fairly for the work involved. Don’t let “their” problem become yours.

.

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Nobody wanted the Notary job
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Protecting yourself with a contract
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Wheel of Fortune – Notary Edition

Filed under: Andy Cowan,Virtual Comedy Themes — Tags: , , — admin @ 1:01 am

WHEEL OF FORTUNE – Notary Edition

Pat: Let’s say hello to our contestants. Joe here is a notary public from Commishigan. Sounds like fascinating work, Joe.

Joe: More than hosting a glorified “Hangman” for over thirty years.

Pat: Ouch. You got me there, Joe. And hello to Marie. It says you are a notary public from Seal Beach. “Seal”. Makes sense. Okay, the puzzle is a 17 letter word. You won the coin toss, Marie. Take a spin.

Marie: Big money! Big money!

Pat: Well, if you’re looking for big money, you picked the wrong profession.

Marie: Cheap shot, Pat.

Pat: Speaking of cheap – $200.

Marie: Any S’s?

Pat: Three S’s. Go again.

Marie: Big money! Big money!

Pat: $450

Marie: X?

Pat: No X’s. Unless you’re signing a document that way. Joe, your turn.

Joe: Big money! Big money!

Pat: $1000!

Joe: Any R’s?

Pat: Two R’s.

Joe: I’d like to solve the puzzle, Pat. I mean the one besides how it is Vanna White still has a job.

Pat: That puzzle we’ll never solve.

Joe: “Errors and Emission”.

Pat: Speaking of errors, you just made one, yourself there, Joe. Marie, a break for you.

Marie: I’d like to buy a vowel, Pat. Are there any O’s?

Pat: Three O’s.

Marie: I’d like to solve the puzzle. “Errors and Omission”.

Pat: As in the insurance policy that protects notaries liable for honest mistakes. Joe, too bad you didn’t have it when you made your honest mistake a minute ago.

Joe: Good thing a credible witness didn’t see me make it. Unless you call Vanna “credible.”

Pat: If it involves signaling things with her hands, I do. Especially the profane gesture she’s using right now!

.

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Notary Oscars
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Yes, it’s the Notary Dating Show
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January 11, 2011

Will & Grace — the mini notary seal

Filed under: Sit-Coms — Tags: , — admin @ 8:03 am

JACK: Will, can I ask you something?

WILL: What’s that?

JACK: Have you ever wanted to be a Notary?

WILL: Are there cute guys in that industry?

JACK: What does that have to do with anything. Get your mind out of the gutter. It doesn’t matter whose in the industry. You don’t hang around with other Notaries unless you go to those private Facebook groups. You meet clients and they might be cute.

WILL: How cute are we talking?

JACK: If I become a Notary, I’ll bring one of them to one of our favorite gay bars and you can find out.

WILL: What if they aren’t gay?

JACK: I don’t have to tell them it’s a gay bar.

GRACE: I think they’ll know…. duh. Remember you brought me to one of those places?

JACK: Yeah, but you said you wanted to go to a place where no man would give you any unwanted attention. You got what you asked for.

GRACE: What? (looking disgusted). That was NOT what I had in mind! I wanted to go to a lesbian bar. Oh well, next time.

JACK: If I were a Notary, I would want one of those tiny little seals and have a little tiny doggie to match… with an outfit.

WILL: An outfit for the dog or the seal?

JACK: Oh, now you’ve got me thinking. I could get a little seal cover designed just for my little seal.

GRACE: That’s so cute. You should become a Notary just for the little seal bag made out of yarn.

JACK: Yarn? I wasn’t thinking yarn. I was thinking leather!

WILL: Stick to yarn. It’s more cute. Plus you don’t want your customers to think you are into leather notarizations. That sort of thing has a stigma to it.

JACK: Good point. But, I don’t want people to think I’m grandma either.

WILL: Okay, I’m an Attorney, so I can give you an Oath.

JACK: Okay. Count me in.

WILL: Raise your right hand.

JACK: Okay (holding his hand parallel in a very gay way.)

WILL: Do you solemnly swear that you will uphold the laws for Notary Public for the state of New York and defend the constitution against all enemies foreign and domestic, so help you God?

JACK: What about imports, or is that what you meant by foreign, because I don’t drive, but if I did, I would only drive a Ford personally.

WILL: You’ll make a terrible Notary. If you want my advice. Don’t quit your day job.

JACK: Oh, you mean acting. Usually that’s what you say to people who won’t make it acting.

WILL: You’ll make it acting, you just won’t make it acting like a Notary.

JACK: Gee thanks. You’re so insensitive.

GRACE: I think he knows what he is talking about in the legal profession. That’s why I married him. My mother wanted me to marry an Attorney.

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January 10, 2011

Russian notary Hacks Hillary’s Emails!

Filed under: Andy Cowan — admin @ 6:13 am

FBI director Comey thinks the Russians may have hacked Hilary Clinton’s emails. (And that’s pronounced “Comey,” not “commie.”) And it could very well be a Russian notary! Then again, it might not be a Russian notary. Or it might be somebody who wants you to think he’s a Russian notary. And these could be duplicates of emails Comey has already seen. Comey is sure of one thing. That he’s not sure of this one thing.

Nevertheless, speculation continues that a Soviet notary public has hacked into Clinton’s most sensitive emails. How do we know they’re sensitive? The smiley faces aren’t quite smiling. More like biting their tongues.

Since some of the emails were duplicates, the notary wanted to charge extra for duplicates. (A buck’s a buck, or as the Russian notary put it, a ruble’s a ruble.) But the government refused to pay more, so the notary suggested a nice game of Russian roulette instead. And being a gentleman, he’d let the government “go” first. The notary lived to complain in the 123Notary form about not being paid enough.

A sign it could be a notary who did the hacking: They fixated on one of the terms in one of the emails, “executor,” a person in charge of carrying out the provisions of a will. One sign it could be a Russian notary approved by Putin: Their fixation on “executor” as it relates to a person in charge of causing another person to need a will… namely, the person who executes the other person! Let’s not forget Putin was former member of the KGB.

Hillary’s emails were found on a computer used by her assistant, Huma Abedin, and notorious sexter, Anthony Weiner. The same computer on which Weiner wrote about his no longer private parts to various women. In one email, the Russian notary validated they were indeed Weiner’s private parts, and that he was of full age and capacity to perform as a sleaze by stamping it with his seal of disapproval.

Other classified emails of Hillary’s the Russian notary is interested in… when she accused Trump of being a puppet for Putin. The notary asked which kind of puppet she accused Trump of being, a hand puppet, or marionette? If the latter, the notary wondered why Hillary wouldn’t thereby feel a kinship with the Donald since there are always strings attached with Hillary as well, something the notary had acknowledged in an acknowledgment certificate.

If Hillary becomes president, instead of the Chief Justice witnessing her taking the oath of office, the Russian notary asked why not a professional? Namely, a notary? Plus he’d be able to witness her signature on her first veto – when Republicans in Congress vote to make America grating again.

.

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Psych: Busting the Russian Mafia with help of a Notary
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Secretary of State hacked by Russians
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Trump in North Korea
http://blog.123notary.com/?p=20026

Psychically channeling Putin for Notary advice
http://blog.123notary.com/?p=19898

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Notary Technician or Flub A Dub?

Filed under: Ken Edelstein,Technical & Legal — Tags: , , — admin @ 4:21 am

As a notary professional you are expected to “know your stuff”. But, exactly what knowledge does knowing your stuff comprise? The obvious first component is your states’ notary laws. Yes, they vary from state to state, sometimes county to county. Commonwealth and Parish; the same. You must know your local laws; REALLY know them. Start with the “become a notary” study guide if your area offers such a document, then read the actual statutes. Confused by the “legal mumbo jumbo” – then ask the ones who issued your license for clarification. They want you to follow those regulations, and will answer questions. The laws change. You need to review them at the very least twice a year; all of them – to find the changes. In New York State it’s prohibited to notarize a civil deposition on a Sunday. Break this rule and when the document is thrown out; then someone will want compensation. My E&O will offer sympathy but not coverage.

“Sworn to and Subscribed….”, note the first two words. Do you just ask “something” such as “is what you signed true?”, or do you use verbiage mandated by your jurisdiction. I know, the “raise your right hand” is done only by a small fraction. But the oath!

Do you always carry a tiny pocket notary stamp? They are available about the size of a pack of gum. In addition to fitting into a really tight spot; you will be able to notarize most documents (even though embossing is best) without your full “notary kit”. Mine snaps open with a press of the thumb and is very light. They do require practice to affix a clear and proper image.

Most of us know enough to decline to include a few additional ACKs not related to any specific signature. But the ACK on the page following the signature (unless “locked down” by page number, loan number, etc.) – is exactly that. Do you know how to associate your notarization with a specific signature when necessary? Half an (additional) notary stamp on each page is one technique that works for me.

Certification of Copy requests are common. But, in some states it must be your clients’ statement as to the accuracy of the copy; that’s the rule in NY. It is also prohibited in NY to notarize (no matter who makes the statement) copies of Birth, Death and Marriage certificates. The state sells these in a tamper resistant format and forbids notaries from notarizing photocopies. Do you know the “no no” list as to photocopies in your area? Educational documents are also difficult.

Do you know how to obtain an Apostille? Every Secretary of State, under the authority of the US Secretary of State issues them. It’s often hard to find the procedure on the internet. It’s an easy revenue stream as many are frustrated when they try to do it themselves. Some nations, the UAE for example, require an “Apostille” issued at the Federal level. Do you know how to obtain it quickly? Do you know why the word Apostille is in quotes when discussing the Federal level?

As a http://newyorkmobilenotarypublic.com mine is a particularly demanding market. The work varies from simple signings to complex foreign documents that must be processed in a manner to meet the local laws, and be acceptable at their foreign destination. Your ability to process the unusual and complex leaves a lasting impression. Those who only know how to stamp and sign will be relegated to the lowest profit simple assignments. Learn more leads to earn more.

.

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And drop off the package
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How good is your technical knowledge? Should you learn more?
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January 8, 2011

Scary results when a notary uses our letter from hell

Filed under: Loan Signing 101,Popular on Twitter 2011,Tips for Getting Paid — Tags: , , — admin @ 2:23 am

Scary results when a notary used our letter from hell 

We get complaints from notaries every single day who are not getting paid on time, or not getting paid at all.  Since I care deeply about this situation, I have networked with Carmen (who I work with), and a few other very seasoned notaries to create a system for getting paid which is almost foolproof.  Nothing is perfect, but this system is as good as it gets.
 
Please visit
How to make sure you get paid signing agent  
Our system starts with the notary background checking ALL companies they work for.  Asking for references, and checking the company on the BBB website is a must.  If you already accepted the job, you could cancel if they have a margin of a few hours.  Otherwise, take your chances.  Keeping faxes and work orders in order is critical, and keeping the stub from company checks is a life and death issue. This is all talked about in detail on the how to make sure you get paid page. Notaries need to fax fills regularly with all pertinent information on the fax.  But, if you did everything right and STILL didn’t get paid — there is the template of our demand letter.
 
A notary used our demand letter, and the company threatened her with a LAW SUIT!!!
Oh my gosh!  Is it really true?  Actually, the notary only sent a “watered down” version of our template letter, but the reaction was almost postal…  The notary stated that they repeatedly contacted the company by phone and email, but never got paid for various jobs done. Then, the notary said that they would take the following actions by a particular date if not paid:

a.         Notify the Attorney General of the details and circumstances of the occurrence.
b.         Notify the Secretary of the State of Texas to look into the matter
c.         Notify other notaries public of the details of non-payment.
d.         Register the details of the occurrence with the BBB.
 
The signing company got back to her and said…
 
I feel obligated at this time to inform you that Ck # 15533 for $45 cleared your bank on 7-11-11, presented on 7-8-11 for Account #134554 (for a particular name).  That was less than 13 days after i sent you the email asking you to do the notary job in the (name of town), TX area.  Your email is making libelous or slanderous threats against myself and my company for which you can be sued in civil court  (i.e. notifying others in the industry that I do not pay my bills).  I feel it is now my duty to report you to the Texas Notary Division of Austin for making such threats when I can prove that you were fully paid within 2 weeks of the service provided.  I will be forwarding a copy of this email to them immediately.   It is a shame that you did not do your own research regarding payment of this service, before making such libelous threats…. (name of owner),  (name of business)
 
My opinion
I think the notary should have listed the particular jobs that were not paid for, i.e. the names of the borrowers, loan numbers, addresses, etc. I think that the notary should have kept track of all payments and all of the check numbers of all payments in the past, so that she would know what that check was for, and if it even existed.  It is easy for signing companies to scam notaries by making up fake check numbers. Most notaries don’t keep good enough records to keep track of it all — but you have to — or you might never see your money…

Tweets:
(1) Carmen, a few seasoned notaries & I developed a fool proof method for getting paid every time no matter what!
(2) A notary used our almost foolproof letter from hell to request payment & the company threatened to sue her!
(3) Our scary demand letter threatens to report the late paying signing co to the SOS, Attorney General, DA & more!

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Getting what is due! A clever plan!
http://blog.123notary.com/?p=3221

Protecting yourself with a contract
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