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November 4, 2020

10 risks to being a Mobile Notary Public.

Filed under: Notary Mistakes,Popular on Facebook (some) — admin @ 12:59 am

Originally posted Oct 19, 2017.

Notarize at your own risk. Being a Notary is NOT safe!

Many of you think that being a Notary is an easy way to make a few extra bucks. Stamp a piece of paper, get $10, easy, right? Then you deal with nitpicky signing companies who make you fax things back and you get mad, right? That is an annoyance, but not the bigger problem. Being a Notary is dangerous, particular when you don’t do your job correctly. Most Notaries feel that you look at an ID and if it is close enough and the photo looks like the guy, that you are doing your job, right? Sort of. Here are some itemized risks to being a Notary Public.

1. Hoarders
If you go to someone’s house and they have things stacked to the ceiling, you might be in danger in their house. The signer doesn’t want to hurt you. It is just that they cannot control their psychological disease that causes them to engage in hoarding. My housemate is like this and she has stuff stacked to the ceiling which is dangerous and a fire hazard. Something could fall on you or you could get trapped in a fire.

2. Bio-hazards
Some homes that are not cleaned properly are dangerous. One house Carmen almost went into had some bacterial infection that would have gone straight to her lungs and caused her to go to the hospital. If a house smells funny, maybe you are not safe in there. If it is not ventillated properly, perhaps you should stay away. Poor hygene can be deadly, so be advised.

3. Dogs
Some neighborhoods have unsafe dogs around. Notaries could be harrassed or bitten by dogs. Carrying pepper spray or mace is not a bad idea.

4. Slummy neighbors
You might go to a signing in a bad area and people nearby might be hanging out who look unsavory. I am not sure if this is dangerous, but some people get upset.

5. Angry borrowers.
One Notary got pushed off a flight of stairs and broke her wrist. The borrower didn’t like his APR and I guess the Notary didn’t educate themself on how to give a professional explanation of the APR either. The borrower ended up in jail very quickly and the Notary healed in two months.

6. FBI and lawsuits
Roughly 2% of full-time Notaries will end up in court or with an FBI investigation for being involved with identity theft. If you do not keep a thorough journal with thumbprints and the right amount of journal entries, you are much more likely to be held in court as a witness, suspect, or cause yourself extended grief. Without a thumbprint, the investigators are often helpless to catch really really bad people. So, help them out and keep thumbprints. Do your part to safeguard mankind.

7. Getting sued by a borrower
One borrower got mad and sued the Lender, Title company and the Notary when the Notary had done nothing wrong. The Notary tried to use their E&O insurance, but the company wouldn’t pay out because the Notary had not made any error or omission. Of all the bad luck. So, the Notary lost $30,000 in legal fees. Talk about bad karma.

8. Getting sued by the bar association
If you life in an Attorney state and do loan signings without a law license, the bar association might come after you. Good grief.

9. Jeremy might phone quiz you.
Many Notaries who thought they had it together got a phone call from the infamous Jeremy (that’s me) and failed an over the phone quiz. They rationalized, “I’ve been doing this 30 years and therefore I know what I’m doing.” My rationalization is, “Not if you got 18% on my quiz which consists of very easy and every day notary questions.” You might not lose any money, but you could lose your dignity if you score less than 70%. So, study up!

10. Your seal could be stolen
It happened to me. I had to write to the Secretary of State. My car was broken into and I lost my seal, embosser and journal. What a tragedy. It took me two and a half weeks to be back in business. Think of all the money I lost not to mention the trauma of being robbed of my most prized possession — my inkless embosser that I used as a secondary seal to deter fraud! Boo-hoo.

There is also the risk of traffic accidents and having one of those talking GPS systems that talks back to you when you get in the wrong lane, but I won’t include details of those problems as they are common to all humans who drive and not just to Notaries. The end!

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You might also like:

13 ways to get sued as a Notary
http://blog.123notary.com/?p=19614

Notary loses $4000 in legal fees because a fraud adds a name to a Notary Acknowledgment.
http://blog.123notary.com/?p=19477

Compilation of posts about Notary fraud
http://blog.123notary.com/?p=21527

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June 4, 2020

Notary shuts down biz because he cares more about lives than money

Filed under: General Stories — Tags: , , — admin @ 6:22 am

A Notary on Twitter claims that he shut down his notary business due to the Covid-19 virus. He claims that he did this because he cares more about saving lives than about making money.

But, if everyone stopped going to work to save lives, the supermarkets would be closed. The hospitals would all shut down. And all over services would not be available. What if someone would die because they could not reach a notary in time. Would you still be saving lives?

And you need to still make a living even if there is a disease going around. You can’t just stop living unless you are definitely infected — and in that case stay home for 14 days or so.

This notary was virtue signalling himself and patting himself on the back in a self-righteous way. But, he criticized me for being an immoral person for suggesting that he stay open. Later on he revealed that he hardly does any notary work anyway.

The moral of this story is that stopping functioning will not make this disease go away. Staying away from places where people are densely populated with poor ventilation might help. And social distancing might help too.

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May 30, 2020

Are you in a good enough state of mind for Notary questions?

Filed under: Certification & Communication Skills — admin @ 10:10 pm

If you are a professional, you should be able to handle professional questions in your sleep. Particularly if they are routine questions.

I have stopped phone testing people partly because people hate it so much, partly because it is so disturbing to me, and partly because it is so time consuming. Last, the companies that use 123notary care about the knowledge level of the notary, but they don’t care enough for me to merit training and testing people who didn’t pay for a program.

During the days when I was testing, people got mad because I called when they were not in a good state of mind. They were sleepy, busy, with friends, going to the hospital, and this was somehow my fault. They are “professionals” and they answered their phone, yet they could not talk about intelligent topics with me.

Is the problem your state of mind or is the problem that you don’t know your stuff and don’t have the discipline to learn your stuff or act professional over the phone.

Notaries want to get paid more, but I can make a list of Notaries who merit getting paid more. Those are people who are elite certified by us. It takes discipline to master Notary knowledge the point that you can pass that test. Those who are faking it will fail miserably. Getting 95% on Notary questions under time pressure narrows the population down to a fraction of a percent. Why the others cannot function with that level of knowledge is beyond me — after all, that is their profession.

Take your profession seriously and professionally. Don’t just claim to be professional because that sounds phony and corny. Master Notary knowledge. There is not that much to know, and if you got through college, this is much easier than college.

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March 28, 2020

Coronavirus – childish understanding of the pandemic is dangerous

Filed under: General Stories — admin @ 9:19 am

I am trying to share some thoughts on Twitter about Covid-19, but I am met with hostile and childish responses. Even the politicians are thinking unrealistically about this. My responses are misunderstood and attacked. How do you reason with people who aren’t logical? It seems futile, but the future of the American economy or life in this nation depends on it.

Here are my predictions.

(a) Covid-19 will infect 100,000,000 Ameriicans more or less
(b)10,000,000 will likely be “registered” officially as infected as most cases go undetected.
(c) 15% of detected or “registered” cases end up with some hospital time, but the duration is not well documented.
(d) Roughly half of hospitalized patients for covid-19 end up dead within perhaps a week to several weeks — in China many cases have dragged on for months.
(e) 6 million people will die in the usa from this disease this time and 15 million will need to be hospitalized over the course of six months.
(f) It is likely that up to 4 million people will need to be hospitalized at the same time. The military and FEMA are able to create this type of capacity, especially if they use ships and trains which are good because you can move sick people to places where there are more doctors and staff.
(g) Lock downs do not end the disease, and it doesn’t matter if you lock down early or late. The fact remains that lock downs cost the USA about 1 Trillion per month at least and that the minute you stop locking down, the disease will catch up to where it was in a month or two depending on how long you locked down.

ILLOGICAL THINKING
People scolded me on Twitter for suggesting that the economy was more important than the lives of humans. I merely said that sacrificing the economy permanently to temporarily delay people’s death did not seem like a good strategy. In the minds of childish people, their philosophy is often:

CHILDISH PHILOSPHY
Death is bad; Lock downs fight virus & prevent death; Therefore lock downs = good. Additionally, we should SCOLD those
who in our opinion value money more than life.

MY PHILOSOPHY
Death is bad; Having a broken economy could cause complete anarchy making the USA unlivable and unsafe to walk down the street without the fear of being beaten, robbed or raped. A broken economy leads to death.

COVID-19 also causes death. Delaying deaths from Covid-19 does NOT prevent death, but only delays death unless a vaccine comes fast. Lock downs don’t prevent death. They only delay disease caused death. But, extended lock downs could cause the death of the US economy which could cause problems that nobody can even imagine. If you don’t believe me, take a closer look at what is going on in Venezuela or bankrupt African nations where anarchy reigns, villages get massacred, and five year olds are given guns and forced to join militia death squads. That could be the future of America if we break our system. Freedom and constitutional rights can also be ended, and in my opinion already have been due to the shut down. The equation is a lot more complicated than the dummies who rudely criticize my points of view on social media.

REALITY OF VIRUSES
Viruses do not just go away on their own. If a critical mass of people gains immunity, or weather changes make transmission difficult, then the virus might just go away. Lock downs in china resulted in a dramatic reduction in active cases. However, now that China is opening up, people from other countries who are visiting them are reinfecting their communities which completely undermines the effort and self-inflicted economic damage the Chinese did. They could be reinfected to the level they were two months ago in just — two months. So, in order to combat this disease using lockdowns, you would have to lock down forever.

The other reality is that in my opinion 6 million will die in the USA. If we flatten the curve using shut downs, then those people instead of dying in six months, will die over a period of time. In theory, if we flatten the curve too much, we might have 10,000 people dying per month over a period of 600 months which would be 50 years. Some idiot on Twitter says that there is no evidence that the disease will last 12 years (I used 12 years in a mathematical hypothetical situation online) and I agree that there is no evidence how long the disease will last. But, with artificial means to limit the disease it could last for years — probably not 50 years. We could flatten the curve and have 100,000 people die per month and then the deaths will take place over 5 years to reach a death toll of 6,000,000 according to mathematics — once again a hypothetical analysis not based on reality.

The bottom line is that many people will die, and using shut downs, we can control how fast they die. At the rate society is willing to let people die –perhaps at a few dozen per month, we will be locked down forever, the disease will never be eliminated since we will have been prevented from gaining immunity, and our economy will grind to an irreparable hault.

Dummies and childish thinkers don’t think the American economy will grind to a halt and think that the economic problems are just temporary. Right now they are temporary, but could become permanent. The Great Depression took 16 years to fix, and if it weren’t for WW2, it would not ever have been fixed. I am speaking in terms of reality and historical precident here.

Shut downs do not prevent death — they just delay death and do long term damage to the economy and people’s life. We may not have a nation if this continues. Nations depend on taxes, money, and credit and if you ruin your credit you can’t perform functions as a nation. America cannot function without a payroll for the military, social services, infrastructure, school, medicare, etc. If you break the system to delay a disease the entire nation could dissolve and cease to be a nation. We would be left with 50 bankrupt states and a nation of paupers which is exactly what my guru prophecized twenty years ago. I am afraid that his prediction will be coming true faster than I thought.

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March 26, 2020

Benefits of 123notary from Kate McKinnon. (detailed testimonial)

Filed under: Advertising — admin @ 8:38 am

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1. At least 3 title/escrow companies contacted me to thank me for the
time I’ve given to their Borrowers, at least 2 of whom were first-time Borrowers. I know that many people are overwhelmed from the moment I take documents out. I put them at ease by telling them that “now and in future transactions, they usually need to focus on 3 documents— all other paperwork is in support of these documents.” (I have reviews on 123 that speak to this.)

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2. Continuing on from above, I’d like to add that some notaries’
practice is to “do the signing quickly and get on the next.” I take whatever time is reasonable to make sure the signer is comfortable with and understands the process. In loan signings I am aware this is often one of the major financial commitments in people’s lives and they are understandably nervous; and, that the Client has entrusted me to complete this signing, so I am in essence representing them as well.

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3. From the start of my career as a notary, I learned from 123Notary to do my homework (up front): review the package, flag important and/or unusual things soothes are not missed; doing any other necessary research (e.g., trusts/adoption documents; attorneys in fact, etc.). The more knowledgeable I am about documents and procedures, the better notary I am. Also, I prefer to “re-do” rather than correct and initial. I like for my work to be correct and error-free. Clients notice (as reflected in some of my 123Notary reviews.)

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4. I have taken your marketing advice to heart, and its paying off more and more. I make it easy for people to not only find me, but to make them want to use me.

a. Increasingly my better paying jobs are coming as a result of the 123 website. I anticipate that paying for a higher listing will more than pay for itself with my first two orders coming from it.

b. I instill a sense of security in my client as a matter of course by advising them of receipt of confirmation, meeting/closing with the client, dropping/tracking of documents.

c. Occasionally I contact people who have used me more than once to thank them —in an attempt to keep my name before them without being pushy. Sometimes enclose a thank you note with my invoice and asking them to let me know what I can do to better serve them.

d. All of my marketing materials are coordinated in their look and easily identifiable (business cards, stationery, website, invoices, note cards, etc.).

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5. Both my corporate and individual clients appreciate that I text my photo and/or business card with my photo confirming our meeting. I never knew how impactful this would become. People like to know with whom they are meeting (especially for coffee shop or hospital signings as well as with seniors and single women)…and the “ice is already broken” before I show up.

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6. More and more I’m learning what separates me from the pack:

a. I always ask how they found me. Many answer 123Notary. If other than 123, I encourage them to read my 123 reviews.

b. Doing my research…usually on your blogs, NNA and the internet, bookmarking or maintaining notes.

c. Paying attention to detail.

d. Professionalism in my dress, communications and manners.

e. Being honest in what I do and do not know.

f. Getting back to designated contact(s) after noting issues during the closing. This only happened rarely and in the beginning of my
practice, but I always let Borrower know that we can communicate with their loan officer, etc.

g. Finally, the notary’s client is a person just as we are. I relate to them as such. (This is frequently mentioned in my 123 reviews.)

h. My overall knowledge of mortgage documents, types of residents (primary vs. second), homesteads, trusts/trustees; subscribing witnesses/signature by mark; Apostilles, etc.

i. For me personally, I both hate and appreciate doing detailed journal entries and loose certificates. It takes more time, but my record are perfect and my loose certificates always specify the document name, number of pages and date.

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March 17, 2020

Coronavirus – how it affected me and my recommendations

Filed under: General Stories — Tags: , , — admin @ 6:10 am

Since I work from home and have savings, I don’t think I will personally be too badly affected by the Coronavirus.

But, today, I was subjected to a rude awakening. Public schools, universities, bars, clubs, restaurants, etc., have all been closed other than for restaurant take out. The restaurants were functioning at 10% of capacity when they were allowed to have dine in guests. However, in other parts of California the restaurants are still open based on a conversation I had using my fluent Mandarin Chinese (thank you, thank you, you may applaud… okay, that’s enough applauding.).

At Whole Foods, they were out of almost everything I normally get. I had to get chocolate flavored hazelnut milk rather than my usual vanilla almond milk. Unfortunately I use the milk with cereal and juice and was not sure how the chocolate would mix. It mixed well with Cherry juice which is one of the things the supermarket actually had in good quantity.

I invented the term Frankenstonian that is kind of like Draconian, but involves more “experiments” done with a German accent and the announcement, “It’s alive— ya!”

I got to see what other supermarkets are like in my quest to find toilet paper and wound up finding a far superior brand of pumpkin pie.

But, I was so sad walking around thinking of all the laid off bar tenders, waiters, and airlines staff that I actually almost started to cry. I was so depressed.

So, it hasn’t been all bad. But, here is my view on the policies.

COVID-19 is like a tsunami.
The “experts” say they are trying to reduce the height of the tsunami of infections by introducing draconian measures to create social distancing. I agree with social distancing if it can be done in a way that doesn’t cripple the economy which will have a domino effect and could land us in a depression or broke as a nation. The reason we are in this problem is that most countries including the USA do not have enough ICU rooms or ventilators. Why are we realizing this now? In my opinion, wars, earthquakes and disease outbreaks happen on a regular basis and therefor we should have locations for makeshift hospitals and RESERVE WORKERS for hospitals just like the military has. America is always ready for war, but never ready to take care of its citizens.

So, the strategy is to do permanent damage to children by hampering their education. Kids are dumb enough as it is with school, imagine how dumb they will be missing an entire year. We are taking two weeks off as a precautionary move. But, two weeks later nothing will improve, but lots of damage to the economy and lots of frustrated people, and lots of dumb kids. The tsunami is still coming, delayed perhaps by a few days, and its height will be far above our capacity to deal with it even if we delay it.

The damage from the tsunami is bad enough on its own, but now we will triple the damage by ruining our robust economy because we can’t control a tiny little virus with all of our technology and medical knowledge. Unbelievable. Am I supposed to put my faith in science after all of this nonsense?

My Recommendations for “dealing” with Covid-19
1. Have manufacturing plants for respirators, masks and Purell working 48 hours per day (if that’s possible)
2. Use prefab buildings and create a makeshift hospital near an airport or on a military base.
3. Create an army of reserve medical staff who are somewhat skilled in handling emergencies.
4. Let it rip – then we will have the mechanism to treat the ill and all of these quarantines will no longer be necessary.

I think at some point we need to let nature take its course. The angels want to do a cleanup of some of the negative spiritual forces in the planet, and outbreaks are one of the ways they do it. Personally I think they should use bolts of lightning. But, in a candid interview with an angel recently mentioning the lightning, the angel replied, “Nah, that’s old school, we prefer infectious diseases — that’s what’s in now. Thousands of people get infected, but we decide who will die. With lightning, it’s too hard to aim, plus you can only use it when people are outside in thudnderstorm.”

In the mean time, back to my chocolate hazelnut milk. That stuff is so good, that I am not minding this emergency of epidemic proportions as much.

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March 7, 2020

Compilation of best blog articles from 2011

Filed under: Compilations — admin @ 10:03 am

PRICING

Pricing for notary work: Different strokes for different folks
http://blog.123notary.com/?p=697

Pricing formulas and time spent
http://blog.123notary.com/?p=588

Payment terms set by buyer or seller?
http://blog.123notary.com/?p=1812

TECHNICAL

Notarize just the name.
http://blog.123notary.com/?p=15817

Decline profitable junkwork
http://blog.123notary.com/?p=15495

A tale of four notaries at hospitals
http://blog.123notary.com/?p=463

Things that get notaries complaints
http://blog.123notary.com/?p=639

What to say and what not to say
http://blog.123notary.com/?p=628

Do you like your job?
http://blog.123notary.com/?p=617

Dragging the person’s arm
http://blog.123notary.com/?p=610

Seal Forgery – it happened to me
http://blog.123notary.com/?p=724

Leave a few spaces open in your journal?
http://blog.123notary.com/?p=714

Fixing botched signings
http://blog.123notary.com/?p=1246

Notary certificates, notary wording & notary verbiage
http://blog.123notary.com/?p=1834

Can a notary get in trouble?
http://blog.123notary.com/?p=1745

The signing agent loan signing process & pitfalls
http://blog.123notary.com/?p=2780

How do I fill in a journal entry?
http://blog.123notary.com/?p=1725

Notarizing multi-page documents
http://blog.123notary.com/?p=1706

Thumbprinting step by step
http://blog.123notary.com/?p=1689

STORIES

Notarizing a kidnapper
http://blog.123notary.com/?p=676

The story of 123notary
http://blog.123notary.com/?p=710

A few testimonials about 123notary
http://blog.123notary.com/?p=700

Notarizing an arsonist who blew his fingers off
http://blog.123notary.com/?p=650

The signing from hell
http://blog.123notary.com/?p=765

Notary in Louisiana murdered in home invasion
http://blog.123notary.com/?p=925

Notary pushed off stairs by borrower
http://blog.123notary.com/?p=1097

COMEDY

Welcome to the Notary Hotel
http://blog.123notary.com/?p=8822

You know you’re a notary when…
http://blog.123notary.com/?p=16038

Jeremy’s visit to hell
http://blog.123notary.com/?p=20412

A tough act to follow
http://blog.123notary.com/?p=6579

I have a dream – notary version
http://blog.123notary.com/?p=19207

Notarization on the Steve Harvey show
http://blog.123notary.com/?p=13704

Notary suicide hotline
http://blog.123notary.com/?p=6995

Notary reviews vs. Movie Reviews
http://blog.123notary.com/?p=8820

Notary Airport
http://blog.123notary.com/?p=17062

My date with Jeremy
http://blog.123notary.com/?p=4473

Borrower etiquette from A to Z
http://blog.123notary.com/?p=2995

Vampire Notaries – 24 hour service
http://blog.123notary.com/?p=4094

Bartender Notary – a reverse mortgage on the rocks
http://blog.123notary.com/?p=4080

Best excuses why a signing company didn’t pay a notary
http://blog.123notary.com/?p=1922

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February 5, 2020

Best older posts about how to write a great notes section

Filed under: Your Notes Section — admin @ 10:59 pm

Here are some older posts about how to write a great notes section. I wanted to bring these to the surface, so here they are.

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COMPREHENSIVE GUIDES

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How to write a notes section if you are a beginner
http://blog.123notary.com/?p=16698

Everything you need to know about writing a great notes section
http://blog.123notary.com/?p=16074

Notary Marketing 102 – your notes section
http://blog.123notary.com/?p=19788

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INTERESTING ARTICLES ABOUT NOTES SECTIONS AS A WHOLE

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2014 Excerpts from great notes sections
http://blog.123notary.com/?p=13613

The ADD culture and your listing and notary marketing
http://blog.123notary.com/?p=22309

Documenting your experience and personal style in your notes
http://blog.123notary.com/?p=19052

Documenting your experience and personal style in your notes
http://blog.123notary.com/?p=19052

Notary notes makeover
http://blog.123notary.com/?p=18895

Examples of great notes sections
http://blog.123notary.com/?p=18862

Unique phrases from the Ninja course
http://blog.123notary.com/?p=14690

10 quick changes to your notes that double your calls
http://blog.123notary.com/?p=4499

What goes where in your notes?
http://blog.123notary.com/?p=1076

Clarifying vague claims in your notes section
http://blog.123notary.com/?p=4675

Your jumbled or too short notes section is costing you 50% of your business
http://blog.123notary.com/?p=16572

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COMPONENTS OF A NOTES SECTION

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A list of things you probably did not add to your notes section
http://blog.123notary.com/?p=22287

How many types of financial packages do you mention?
http://blog.123notary.com/?p=19997

Putting jails and hospitals in your notes section
http://blog.123notary.com/?p=19266

Is it better to be “bilingual” or speak Spanish?
http://blog.123notary.com/?p=19264

Being unique and factual in your notes section
http://blog.123notary.com/?p=19050

Buzzwords to avoid in your notes section
http://blog.123notary.com/?p=19054

What NOT to put at the top of your notes section
http://blog.123notary.com/?p=19056

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December 28, 2019

Alzheimer’s signings — how to determine whether to carry through or not?

Filed under: Hospital & Jail Signings — admin @ 11:07 pm

Let’s say you are at a hospital for a POA signing or Medical Directive signing. Let’s say that the signer has been officially diagnosed with Alzheimer’s disease. Do you notarize or not? If you notarize, and the signing comes back to haunt you in court, the small fee you made will not be worth any significant risk of court time. However, if you can get the signer to describe the document, why they are signing it, who they are, who their relatives are, and who the president of the United States is, they are probably competent enough to sign.

Now, let’s say that a medical professional at the hospital advises you not to notarize for the patient due to this mental disease. The fact is that you are the Notary, and only you can decide the fate of the notarization. The main thing is to consider the risks, and how you can go about proving competency in a prudent way.

I would continue writing about this article, but I forgot what the topic was. Hmm.

You might also like:

12 questions to ask for hospital notarizations
http://blog.123notary.com/?p=20519

A tale of four notaries at hospitals
http://blog.123notary.com/?p=463

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October 31, 2019

The signing with the danish pastries

Filed under: General Stories — admin @ 11:51 pm

A Notary who commented on our blog had a nice story to tell.

He went to a signing. The wife came out with a plate of heavenly Danish pastries that were out of this world. She brought freshly brewed coffee as well. Then after the signing, it was a bit icy, so the husband accompanied the Notary to his car. Such hospitality. These little things mean a lot to Notaries.

It reminds me of my trip to Denmark where the gas station had an elaborate display of many varietals of Danish pastries, and the Police Office (where I reported one of their many heroin addicts) was filled with elegant Swedish style furniture. When you travel, you see the world in a new way. Why can’t we be more like Denmark and have heroin addicts roaming the streets with their needles? If only we lived in a fair world.

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