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December 5, 2019

The 50th Notary High School Reunion

Filed under: Andy Cowan — admin @ 6:09 am

The 50th Notary High School Reunion

What could be more exciting than attending the biggest notary high school reunion of them all, the big 5-0? A chance to feel great that the cool kids grew up to be old and dumpy. And the geeks grew up to be old and dumpy. It’s the 50th. You were expecting “svelte?”

Jill: Hi?? … (noticing Jack’s notary high school picture nametag): Ohhhhh… Jack! Sorry for your loss.

Jack: Yeah, I went bald in notary college. You still look hot.

Jill: Thanks!

Jack: As in hot flash.

Jill: Menopause happened back in my fifties, so I’ll take that as a compliment. Are you still performing Notarial Acts?

Jack: I still witness signatures. The ones my kids make trying to sign me into a home.

Jill: At 68, they’re trying to put you in a nursing home? That’s not very nice.

Jack: I’m joking. I retired last year. Made a killing.

Jill: That’s great. How did you do it?

Jack: I was a notary specialist. My clients were all octopuses. Eight arms. Eight signatures.

Jill: That adds up. Remember our teachers in Notary Junior High? Mr. Guther?

Jack: How could I forget? He suspended me for embossing my private parts.

Jill: Oh yeah! You were a wild kid.

Jack: But I got an A in shop class for making the stamping device.

Jill: You affixed it to a tangible record, all right.

Jack: Weren’t you a cheerleader back then?

Jill: I sure was. I still remember our chant. “Give me an A, give me an F, give me an F, give me an I, give me a D, give me an A, give me a V, give me an I, give me a T, what’s that spell?

Jack: Affidavit?

Jill: I don’t know. I was a great cheerleader but a lousy speller.

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Testing Carmen on a bridge in 2003
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November 5, 2019

How do I find a Hindi speaking Notary?

Filed under: Public Interest — Tags: — admin @ 8:38 pm

Where can I find a Notary who speaks Hindi?
Look no further. 123notary.com has many Hindi speaking Notaries on board. Just look up a Notary by zip code and then use the language filter at the top right of the site. You can enter in the name of any language such as Spanish, Japanese, Vietnamese, American Sign Language, or more! In fact, we have Hindi speaking Notaries in almost all states and metros by the dozen! Additionally, we have a search filter directly above the search results where you can check the Hindi box and find only Hindi speaking Notary service providers.

How good is their Hindi language proficiency?
On 123notary.com, we have many Notaries who speak Hindi. The degree of fluency varies from Notary to Notary as some are conversational while others are native speakers. A handful are from Hindi speaking families who grew up in America and might be excellent at conversation but not as proficient at business oriented communication. So, test your Hindi speaking Notary out over the phone to make sure they are up to your standards before hiring them!

Notary Hindi — Attorneys vs. Non-Attorneys
Please be advised that Notaries in the United States are seldom Attorneys and non-Attorney Notaries may not give legal advice. Most Notaries are also not authorized to draft legal documents. There are affordable legal support centers where they can help you draft documents. Please make sure that your document is completely drafted before contacting a Notary Public from 123notary.com.

Immigration Advice
Notaries cannot give advice about immigration matters unless they are specifically licensed to do so. For immigration questions, please contact the proper authorities.

Notarizing in Hindi?
Notaries may Notarize a document that is in Hindi, however the Notary wording would be in English for the notarization. Some states require the Notary to be able to understand the document. Other states require the Notary to be able to communicate directly with the borrower in any language they both can communicate with. Please learn the laws of your state and how they apply to notarizing foreign language documents. The actual Notary wording must be in English if it is to be notarized in any of the 50 states in the USA. Each state has their own official Acknowledgment and Jurat Notarial wording which the Notary is responsible for knowing. The Notary wording can be included at the end of the document. However, the Notary can also staple a loose certificate form to the document and affix their seal to that certificate after it has been completely filled out. Signers will be required to sign the Notary journal in states where Notary journals are used (which includes most states.)

Oaths in Hindi?
Some Notary acts such as Jurats, Oaths, or other acts that include Oaths such as swearing in credible witnesses require the Notary to administer an Oath. An Oath for an English language document or Hindi language document can be performed in the language of your choice. If the signer or affiant feels more comfortable in Hindi and the Notary knows Hindi, you can conduct your Oath in Hindi.

How can I get a Hindi language document notarized?
As stated above, some states require the Notary to understand the language of the document while others don’t. However, the language of the notarization itself would be in English. You can find a notary on 123notary who speaks Hindi to assist you in this matter. Just visit our Advanced Search page and look up a Hindi Speaking Notary by zip code!

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How do I get a foreign language document notarized?
http://blog.123notary.com/?p=18788

Apostille general information
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October 26, 2019

How to find a Russian Speaking Notary

Filed under: Public Interest — admin @ 11:47 pm

Where can I find a Notary who speaks Russian?
Look no further. 123notary.com has many Russian speaking Notaries on board. Just look up a Notary by zip code and then use the language filter at the top right of the site. You can enter in the name of any language such as Spanish, Japanese, Vietnamese, American Sign Language, or more! In fact, we have Russian speaking Notaries in almost all states and metros! Additionally, we have a search filter directly above the search results where you can check the Russian box and find only Russian speaking Notary service providers.

How good is their Russian language proficiency?
On 123notary.com, we have many Notaries who speak Russian. The degree of fluency varies from Notary to Notary as some are conversational while others are native speakers. A handful are from Russian speaking families who grew up in America and might be excellent at conversation but not as proficient at business oriented communication. So, test your Russian speaking Notary out over the phone to make sure they are up to your standards before hiring them!

Notary Russian — Attorneys vs. Non-Attorneys
Please be advised that Notaries in the United States are seldom Attorneys and non-Attorney Notaries may not give legal advice. Most Notaries are also not authorized to draft legal documents. There are affordable legal support centers where they can help you draft documents. Please make sure that your document is completely drafted before contacting a Notary Public from 123notary.com.

Immigration Advice
Notaries cannot give advice about immigration matters unless they are specifically licensed to do so. For immigration questions, please contact the proper authorities.

Notarizing in Russian?
Notaries may Notarize a document that is in Russian, however the Notary wording would be in English for the notarization. Some states require the Notary to be able to understand the document. Other states require the Notary to be able to communicate directly with the borrower in any language they both can communicate with. Please learn the laws of your state and how they apply to notarizing foreign language documents. The actual Notary wording must be in English if it is to be notarized in any of the 50 states in the USA. Each state has their own official Acknowledgment and Jurat Notarial wording which the Notary is responsible for knowing. The Notary wording can be included at the end of the document. However, the Notary can also staple a loose certificate form to the document and affix their seal to that certificate after it has been completely filled out. Signers will be required to sign the Notary journal in states where Notary journals are used (which includes most states.)

Oaths in Russian?
Some Notary acts such as Jurats, Oaths, or other acts that include Oaths such as swearing in credible witnesses require the Notary to administer an Oath. An Oath for an English language document or Russian language document can be performed in the language of your choice. If the signer or affiant feels more comfortable in Russian and the Notary knows Russian, you can conduct your Oath in Russian.

How can I get a Russian language document notarized?
As stated above, some states require the Notary to understand the language of the document while others don’t. However, the language of the notarization itself would be in English. You can find a notary on 123notary who speaks Russian to assist you in this matter. Just visit our Advanced Search page and look up a Russian Speaking Notary by zip code!

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How do I get a foreign language document notarized?
http://blog.123notary.com/?p=18788

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October 9, 2019

Maximum Notary fee $5, but the signing pays $200?

Filed under: Notary Fees & Pricing — admin @ 11:23 pm

Each state has a maximum notary fee per notary act or procedure. Some charge by the signature, Florida charges by the stamp if I’m not incorrect (better look that one up.)

But, if you are allowed $5 per signature, the signing has four signatures, but pays $200, then what? Are you breaking the law? Or are you being paid for mobile fees and supervising fees? The truth is that you are being paid for a bunch of responsibilities within your service:

Printing documents
Confirming an appointment
Supervising the signature and initialing of documents
Answering simple questions (perhaps)
Not answering questions you are not supposed to (unless you are a know-it-all who is looking for trouble)
Notarizing
Waiting while people read or have long conversations by phone with the Lender.
Getting the documents safely back where they belong
Availability for after service.

All of those combined definitely merit at least $125, don’t you think?

So, how do you document this in your journal? $5 per notary act. Two people x two notary acts per person is four lines in your journal each stating $5 for the notary fee. And then in the additional info section for the first notary act of the set, put down you got $180 travel / supervising fee for a loan signing. Then it is all documented just in case the IRS has any questions. Notary fees are not subject to self-employment tax but travel and supervising fees are. Look it up in the SE instructions.

But, what if you live in California and the Notary fee is $15, you have ten signatures, but the job only pays $100. You could charge $150 plus travel for that signing, but your Lender or signing company isn’t paying that. Just put whatever you want for the notary fee between zero and $15 per notarized signature in your journal. And do a reasonable estimate for what the travel and supervising fees should be — just estimate and try to be proportionate.

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Travel fees vs. Notary fees in your journal
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Travel fees if nothing gets signed
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May 16, 2019

Notary Quiz of the day

Filed under: Humorous Posts — admin @ 11:30 am

Notaries hate being tested, but love reading Notary tests on blog entries for some reason. I’ll have to ask my psychic why that is. Maybe it is because they are not on the spot with this. Here is a fun quiz of the day.

1. Notaries notarize
(a) Documents
(b) People
(c) Signatures
(d) Signatures on Documents
(e) People’s signatures on documents.

2. Initials. If you initial a change on a loan document, where should the initial go?
(a) To the right of the crossed out text
(b) To the left of the crossed out test
(c) Above the crossed out text
(d) Anywhere around the crossed out text
(e) Below the crossed out text to the right.

The processor I used to work for did not want me to cross out the text, but initial below the text and below the right end of the text. The processing dept. would do the rest according to good old Emily. I wonder how she is.

3. What is the difference between a conflict of interest, interest, financial interest, and beneficial interest? This reminds me of the joke about the Mortgage Broker who left the industry in 2008 because he lost interest.

4. A Notary was asked to notarize a document with no signature line. What should the notary do?
(a) Ask the borrower to write in a signature line.
(b) Tell the borrower that he cannot notarize the document without a signature and signature line.
(c) Write in the signature line himself.
(d) Refuse to notarize the document.
(e) Call Carmen at 123notary and ask for help.

5. A Notary does a job for an old lady at a hospital notarizing a document. The notary asked the lady if she understood the document and she said yes. Two months later all parties were in court because the lady did not understand what she had signed. What should the notary have done?
(a) Ask the lady to paraphrase the document.
(b) Tell the lady how he went to the white house to visit President Johnson and see how she reacts.
(c) Stick to jail signings — they might be criminals, but at least they are in their right mind (whatever that means.)
(d) Start a conversation about current events to do a “reality test.”

6. A Notary was asked to notarize at the peace process. The Palestinians said you can’t have peace without a process. The Israelis said you can’t have peace without security. The Notary said you can’t have a notarization without a signature. After a long discussion, the Palestinians wanted to be acknowledged twice for one signature, Since the Israelis wouldn’t acknowledge the existence of their people, at least a Notary could acknowledge their signature twice to compensate. What is wrong with this picture?

(a) The Palestinians wanted to trade one Israeli signatures they had captive for two hundred Palestinian signatures as a peace initiative.
(b) The signer is the only one who can acknowledge a signature, not a Notary.
(c) An Israeli Notary will not acknowledge a Palestinian signature until they acknowledge the State of Israel’s signature.
(d) Yes, a single signature can be acknowledged multiple times, but it is the signer who does the acknowledging.

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Does 123notary have the authority to quiz people?
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Notary Public 101 quiz questions
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Quiz – you know you’re a good notary when you…
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30 point quiz – Jeopardy
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March 17, 2019

How do I find a German speaking Notary Public?

Filed under: Public Interest — Tags: — admin @ 9:57 am

Where can I find a Notary who speaks German?
Look no further. 123notary.com has a few German speaking Notaries on board. Just look up a Notary by zip code and then use the language filter at the top right of the site. You can enter in the name of any language such as German, Spanish, Japanese, Vietnamese, American Sign Language, or more! We used to have a Notary named German who spoke Spanish. In fact, we have German speaking Notaries in almost all states! Additionally, we have a search filter directly abovetto the right of the search results where you can enter the word German and find only German speaking Notary service providers.

How good is their German language proficiency?
On 123notary.com, we have many Notaries who speak German. The degree of fluency varies from Notary to Notary as some are conversational while others are native speakers. A handful are from German speaking families who grew up in America and might be excellent at conversation but not as proficient at business oriented communication. So, test your German speaking Notary out over the phone to make sure they are up to your standards before hiring them!

Notary German — Attorneys vs. Non-Attorneys
Please be advised that Notaries in the United States are seldom Attorneys and non-Attorney Notaries may not give legal advice. Most Notaries are also not authorized to draft legal documents. There are affordable legal support centers where they can help you draft documents. Please make sure that your document is completely drafted before contacting a Notary Public from 123notary.com.

Immigration Advice
Notaries cannot give advice about immigration matters unless they are specifically licensed to do so. For immigration questions, please contact the proper authorities.

Notarizing in German?
Notaries may Notarize a document that is in German, however the Notary wording would be in English for the notarization. Some states require the Notary to be able to understand the document. Other states require the Notary to be able to communicate directly with the borrower in any language they both can communicate with. Please learn the laws of your state and how they apply to notarizing foreign language documents. The actual Notary wording must be in English if it is to be notarized in any of the 50 states in the USA. Each state has their own official Acknowledgment and Jurat Notarial wording which the Notary is responsible for knowing. The Notary wording can be included at the end of the document. However, the Notary can also staple a loose certificate form to the document and affix their seal to that certificate after it has been completely filled out. Signers will be required to sign the Notary journal in states where Notary journals are used (which includes most states.)

Oaths in German?
Some Notary acts such as Jurats, Oaths, or other acts that include Oaths such as swearing in credible witnesses require the Notary to administer an Oath. An Oath for an English language document or German language document can be performed in the language of your choice. If the signer or affiant feels more comfortable in German and the Notary knows German, you can conduct your Oath in German.

How can I get a German language document notarized?
As stated above, some states require the Notary to understand the language of the document while others don’t. However, the language of the notarization itself would be in English. You can find a notary on 123notary who speaks German to assist you in this matter. Just visit our Advanced Search page and look up a German Speaking Notary by zip code!

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How do I get a foreign language document notarized?
http://blog.123notary.com/?p=18788

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February 15, 2019

Notaries who fail the California Notary exam

Filed under: California_Notary,Popular on Facebook (A little) — Tags: , — admin @ 10:43 am

Failing the California Notary Exam
Did you fail your California Notary Exam? I passed it many years ago. I studied about 30 hours to make sure I passed the first time. I was nervous and so afraid that I would forget something. We were instructed to bring a see through plastic bag and put particular objects in that bag such as a pencil and a few other things.

The California notary exam is a a lot harder now than in 1997 and 2001 when I took it. The questions are harder, and the multiple choice questions are close variations of each other making it hard to spot the correct answer unless you know your stuff intimately. So study hard. You need to study from the California Notary Handbook but also there are updates on the newsletter from the California Notary Division.

The state carefully hides their questions so you won’t know what is coming unless you know someone who wants to share answers with you. You need to know your notary acts, fees, procedures and application process inside out or you will fail. I believe they allow seven wrong out of thirty, but the questions are so hard that is still not easy.

There are a lot of notaries failing the test and there are fewer Notaries in the state of California as a result. On a more pleasant note, the quality of Notaries in California is far superior to all other states. I know because I test people by phone on notary procedure since I run a notary directory.

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January 29, 2019

Can a Notary go to jail for Notary fraud?

Filed under: Technical & Legal — Tags: , , , — admin @ 2:52 am

Can a Notary go to jail for Notary fraud?
Can a Notary go to prison for Notary fraud?

Notaries very rarely end up in jail. There are many illegal things that Notaries to almost daily. However, the law seems to rarely catch up with them unless a crime is committed where there are damages. Additionally, if the crime was committed with intent to steal, embezzle, or harm someone, the Notary would be in a lot worse trouble.

Notaries typically do not administer Oaths for Jurats. Those that do, typically administer an Oath in my opinion incorrectly. I test Notaries regularly and this is how I know. It is illegal to sign a Jurat that makes you claim that you supervised an Oath when in fact you did not. That might be considered perjury, although I am not an Attorney and cannot say with any certainty. However, Notaries very rarely get in trouble for omissions in their duty.

The only time I have heard of a Notary going to jail was one who assisted in fraud involving real property. The Notary falsified paperwork, probably Deeds of some sort and helped someone steal someone else’s property. That Notary got put away for a long time.

However, Notaries end up in court regularly for things that signers did fraudulently. Some signers alter documents after they were notarized. Other signers committed identity fraud. Once in a while, someone will forge a notary seal and pretend to be a particular Notary. It is common those these acts of fraud to result in a Notary being supoenaed to court or at least being investigated.

So, unless a Notary does something intentionally to cause financial harm to another person, it is unlikely that they will end up in jail — but, then.. who knows…

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January 19, 2019

Notary Etiquette 104 – Contents

Filed under: Etiquette — Tags: , — admin @ 1:26 pm

Doing well in the Mobile Notary business involves more than just stamping documents. You have to be on time, develop contacts, do more than claim to know what you are doing, and use proper etiquette. 123notary has written many articles on Notary etiquette before, but this one is a course with multiple sections that is intended to be a well organized reference guide.

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CONTENTS

1. Phone Etiquette for initial calls – http://blog.123notary.com/?p=21134

2. Confirming the signing & At the signing – http://blog.123notary.com/?p=21136

3. General Etiquette Tips – http://blog.123notary.com/?p=21197

4. Answering questions the way they were asked – http://blog.123notary.com/?p=21138

5. Miscellaneous – http://blog.123notary.com/?p=21142

6. A humorous guide to Notary etiquette – http://blog.123notary.com/?p=21208

7. Relevant links about etiquette – http://blog.123notary.com/?p=20505

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January 17, 2019

Notary Etiquette 104 — Humorous Edition

Filed under: Etiquette — Tags: , — admin @ 10:11 am

Here is a humorous version of our etiquette course for your laughing pleasure.
Return to Table of Contents for – Notary Etiquette 104

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1. Dress for success
Wearing a smile on your face, but if you are also wearing a polyester jacket from the 70’s with super wide lapels, you might be the only one smiling.

Ladies, if you’re dressed in such a way that on the way to the signing cars pull up to you and ask how much you charge and you say, “$50 for a signing and an extra $25 if it includes eDocuments. I don’t do oral Notary acts like Affirmations though.” — you might need a new wardrobe.

If you wear flip-flips to the signing, you might be able to flip through a lot of documents, but your business will eventually flop.

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2. Arrive on time
It’s okay to be fashionably late if you are going to a cocktail party, but not to a signing.

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3. Animals at the signing
If there is a parrot in the room that says, “Stop forging his signature — bock!” you might want to get out of there. You should avoid doing Oaths for dogs, they prefer to receive Affirmations (or wuffermations). Cats prefer to take a nap on the documents.

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4. Leaving a business card.
When you give clients your business card, if you crossed out the phone number and wrote in a new number in handwriting — it’s time to print out some newly designed cards. If the email address on your business card ends in “aol.com” it might be time to consider retiring.

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5. Answering the phone during a signing
Its’ a bad idea to have phone calls during the signing. It’s an even worse idea to have them hear your heavy breathing. It’s even worse if the phone call is from your borrower’s ex-girlfriend or mistress.

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6. Don’t discuss religion at the signing.
If you start the signing with, “Those damn Quakers, they’re not as friendly as they claim to be, and grey went ou in the 70’s.” — you might be in the wrong profession and should probably convert from Quakerism to Catholicism.

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7. If your signer’s mother tongue isn’t English
It is generally a bad idea to mimic your signer’s accent at a signing. Wait until after the signing. Unless you have a document that is going to the Russian Consulate… then read it with thick Russian accent comrade!

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8. Confirming the signing
When confirming the signing it is a good idea to ask, “Are you high? Are you going to be high at the signing? Can I have some, man?” But, only do that if you are in a state where marijuana is legal otherwise you might be sorry. If you are going over their ID over the phone ask, “Do you look high in your ID photo?”

9. Middle initials
If the signer doesn’t want to sign with their middle initial, give them the finger… the middle finger! Just kidding. Just explain why they need to sign with their middle initial, and then after you are leaving the house, then give them the finger. There is a proper order to these things.

10. Don’t give opinions about the loan.
When you are at a signing, don’t comment about their interest rate such as, “Wow man, that’s a great rate… My brother just got a loan and his rate was way higher than yours. I’m so bummed out about that. I wish we could have gotten 4.5%. I’m going to call my brother right now and tell him what a loser he is.” It’s also not a good idea to say, “Wow, look at those terms, you’re getting ripped off dude, totally ripped off.”

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