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January 6, 2023

How to Create a Mobile Notary Business Plan

Filed under: Become a Notary,Beginners Corner,Best Practices,Comprehensive Guides,General Articles,Marketing Articles — Tags: , , , , — Tom Wilkins @ 9:21 pm

Creating a mobile notary business plan is important in starting your own business. A mobile notary business offers convenience to customers who need notarization services but need help to reach a physical location. As a mobile notary, you can travel to your clients and provide notary services at their location, making it more convenient for them.

The first step in creating your business plan is researching the market. This will help you understand your area’s demand for mobile notary services and the competition you will face. You will also want to research the regulations and requirements for becoming a notary in your state. Once you have a good understanding of the market and regulations, you can start to develop your business plan. A mobile notary business plan should include the following key elements:

Executive Summary: This should provide an overview of your business and its goals. It should also include a summary of your research and your target market.
Business Description: This should include more detailed information about your business, such as your mission statement, services offered, and competitive advantage.
Market Analysis: This should include information about your target market, including demographics, needs, and buying habits. It should also include information about your competition and how you plan to differentiate yourself.
Operations Plan: This should include information about how your business will operate, acquire customers, and provide notary services.
Financial Plan: This should include financial projections, such as projected income and expenses, and a break-even analysis.
Conclusion: Summarize your business plan

Creating a successful business plan is key to setting your mobile notary business up for success. Knowing the demand for mobile notary services in your area and the competition you will face are important considerations. Moreover, understanding the regulations and requirements of becoming a notary in your state is paramount. Additionally, understanding your target market, operations details, and plans for financial gains can help build a complete business strategy. Ultimately, this approach will provide more insight into setting goals, achieving objectives, and becoming a successful business owner.

Once you have completed your business plan, reviewing it and making any necessary revisions is important. You may also consider seeking feedback from a mentor, business advisor, or other notaries who are experts.

To be successful in the mobile notary business, it’s important to have a solid mobile notary business plan in place. This plan will serve as a roadmap for your business, outlining your goals, strategies, and financial projections. By taking the time to research your market, create a comprehensive business plan, and seek feedback from experts, you will be well on your way to starting a successful mobile notary business.

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January 28, 2022

Bartender Notary: A reverse mortgage on the rocks!

Filed under: Humorous Posts,Popular on Twitter 2011 — Tags: , , — admin @ 11:54 pm

This was originally published in 2013.

Signing with the Bartender-Notary: Reverse Mortgage on the Rocks

The bartender notary knocks on the door. “Hi, I’m the bartender notary. I’m here to do your signing.”
“Sure, come right in,” says Joe the borrower.

They go to the dining room table to do the signing. The bartender notary looks around and says, “Hey, isn’t that a wet bar in the back of your living room?”
“Yes.”
“Would you mind if we sat over there?; I would feel much more comfortable sitting over there,” the bartender notary says.
Joe goes behind the bar and asks, “Where am I supposed to sit?”
“No, I’m the bartender so I go behind the bar. you sit on the stool on the other side,” the notary insists.

“Aren’t we gonna do the signing?” asks Joe.
The notary opens his briefcase and takes out a few flasks of non-alcoholic drinks, a tall glass, and a little umbrella. “I’m frustrated, because , when I go to signings, no one ever offers me a drink…maybe after half an hour they might offer me some tap water if I’m lucky…So I decided to turn the tables around…or the counters, as the case may be…and offer the signers a drink. I make my own orange-cranberry spritzer…would you like one of those…or would you like a virgin lemonade? I’ve got everything except ice.”

“Make me a strawberry lime spritzer…and can you muddle the fruits a little? Wait—” says Joe. “Aren’t we supposed to be doing a signing?”
“I’m the bartender notary; I talk bar talk. It’s my trademark to serve drinks and make smalltalk before we do the signing.”
“Ok, I’ll play along,” says Joe.

“How about those Dodgers, Joe? Who are they gonna trade?”
“Well, right now, I’m ready to trade notaries—if we don’t get started with the signing right away.”
“Ok, let’s do the signing,” the notary shrugs.
“Actually,” Joe says, “my reverse mortgage was on the rocks since the beginning of the application process, so I decided to go for a refinance– straight up.”

“Ok,” the notary says.“Your first document is a Deed of Trust. May I see some ID, sir?”
The borrower says, “What, I don’t look over 21?”
“Just a precaution, sir.”

The bartender notary opens his journal and begins to record the types of documents, the patron-borrower’s ID, and the types of drinks served at the signing.

The notary says, “This is your Deed of Trust. Your loan amount is right here; please initial all pages of the document and sign on the last page.”

They get to the Note; the notary says, “This is your Note. Your interest rate is 4.5%. The last loan I signed was an adjustable rate mortgage. I asked the borrower if he would like his interest rate shaken or stirred when the adjustment date comes in two years. He didn’t laugh. He didn’t think it was very funny. I’m lucky he didn’t trade me. Maybe it was how I said it…”

Then the notary asks, “So how’s the wife treating you?”
“Oh, I canned her years ago… I have a girlfriend,” says Joe.
“Do you think she will be in need of a bartender-notary anytime soon?”
“No she lives in an apartment. She won’t need to refinance anything in this lifetime.”

“So waddaya think–those interest rates—are they gonna go up or down?” asks the bartender notary.
“Oh, the Fed’s gotta keep it about the same—or you notaries will all be out of a job!”

“Next, we are going to look at the TIL. This is your Truth in Lending disclosure. Your APR is right here. So are we going into Iran? Whaddaya think the chances are that we invade Iran?”
Joe the signer looks at the TIL and says, “I’d give it about a 4.97%… Hey, I thought we’re not supposed to talk about politics at the signing?”
“That’s my trademark, I have to talk about politics because I’m the bartender notary… that’s what bartenders talk about. Would you like some bar snacks? We have peanuts, wasabi chips … Did you hear about LAX Vineyards new wine blend? It’s a cross between a cab, a merlot, and a shuttle. It’s very popular with bartenders. Did you hear about the wine documentary from Ireland? It’s called Cork Uncorked… There’s a special kind of wine for a signing… Did you hear about the Reverse Mortgage Cabernet? It’s rich in tannins and has two subtle notes…black cherry, and a hint of cocoa…and a smooth finish…assuming that we don’t have to call the lender.”

Joe asks, “What’s next?”
“The next document is your HUD.”

They go to the HUD. Joe the borrower asks, “Oh, so is my strawberry lime spritzer documented in the HUD?”
“Yeah, I think it’s right there under the termite inspection…Let’s just sign the rest of these documents; I have to close up soon…Last call,” says the notary.

They finish signing the rest of the documents.

The notary takes the borrower’s copy of the Deed of Trust and places it next to the signed Deed of Trust. Joe looks at it and says, “There are two Deeds of Trust. I’m seeing double. I thought that strawberry lime spritzer was non-alcoholic…”

“No! These are your borrower’s copies. Are you gonna be ok—or should I call you a cab?”
Joe: “I’m already home…I live here.”

Tweets:
(1) I’m frustrated because when I go to signings, nobody ever offers me a drink!
(2) Bartender notary prefers to do his signings sitting on stools near the wet-bar.
(3) I’m the bartender notary; I talk bar talk. It’s my trademark to serve drinks and make smalltalk before signing.”

.

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Compilation of virtual comedy Notary articles
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Compilation of posts about Notary etiquette
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January 23, 2022

The Notary, The Mafia & The Fedex Drop Box

Filed under: Best Humorous Posts,Drama & Tragedy,Humorous Posts,Popular on Facebook (A little),Popular on Twitter 2011,Popular Overall — Tags: , , , — admin @ 12:03 am

This was originally published many years ago.

An uneventful signing
It was a gray Monday afternoon in the first week of November. Kary went to her signing with the Thompsons. They signed the documents without too much reading or complaining. Kary had one other signing after that. When all was done, she made her way to the Fedex drop box. She had a habit of always going to that same drop box. It was near her home, and it felt like a safe place to go at night, being a single woman.

Luckily for her she was nowhere near the San Diego mayor’s office.

The Sopranos were en route to the same location she was
This poor woman’s luck — she ran into someone who was still mourning the loss of the great James Gandolfini AKA Tony Soprano. He was such a fan of the show that he decided to pull a mafioso type move on this poor unexpecting woman. This thug Tony Baritone had been in the drug trade for years, but wanted to step it up a notch. His old M.O. was meeting for the swap in a dark alley, giving them the briefcase, taking the package — you know the drill. But, he wanted to do it more like they do in the movies this time. This was his first attempt at simulating the panache of his television alter-ego.

Just about to drop the FedEx and…
So, this woman was just about to drop her package in the box. Her finger was on the handle of the box. She noticed a large garbage backing up about 50 feet away. She disregarded the truck whose distinctive oder was wafting her way. She put the Fedex in the Fedex drop box, and then proceded back to her car. The garbage truck nearly ran her car off the road as she left her parking space. It was so abrupt, she stopped the car to get out and see what this maniac’s problem was.

The garbage truck backed up
The truck had backed up almost into the Fedex box, and had jaws that clamped the Fedex drop box and tore it from its bearings and lifted it into the truck. The woman started screaming, “What are you doing? Are you crazy?”

Blonde #2 appears
Then another blonde lady appeared out of nowhere who looked almost exactly like the notary. She was the same age, same hair color, and same height, and also had a Fedex package that she wanted to drop. The other lady looked very puzzled. She said to herself, “Wait a second, my instructions were to put the Fedex in the drop box and leave — but, that truck just took the Fedex drop box away!” Blonde #2 (also an unnatural blonde) was unbeknowingly carrying $10,000,000 in drug money that she was to deposit in the Fedex box — which was to be removed by the garbage truck. But, their plan got foiled.

We have to get rid of the witness
The driver said to his friend, “We have two problems — the money is not in the Fedex Box, AND, there’s a witness. We need to get rid of the witness, but I can’t tell them apart.”
His friend said,“You have to look for the roots, real blondes have roots — our blond is a real blonde!”
Driver: “No she ain’t, I’ve seen the broad before, she has a different hairstyle every several months”
Friend: “So, you can tell the two chicks apart!”
Driver: “Not from this distance without my glasses. Let’s get my money first. The broad with the package has the money.”

The mafia chases the blonde
So, the driver and his friend jump out of the truck (which is parked in the middle of the boulevard) and run towards the blonde with the Fedex. The irony is that she doesn’t know that they are the intended recipients of the package because her instructions were only to “Put the Fedex in the drop box”. So, she runs away from these scary people — who are actually her boyfriend’s best friends, and the ones who gave the $10,000 to her boyfriend to pay her to do the drop. Meanwhile the notary lady decides to chase after these scumbags to get them to give her package back.

She loses them and then finds them
In the heat of the chase, she loses them, and then finds them again. The other blonde escapes from these thugs, finds the drop box in the back of the garbage truck, puts it in, and runs away. Meanwhile, notary lady catches up to the thugs, and throws her embosser at them — leaving a raised seal of disapproval (in the form of a bruise) on the now unconscious mafia garbage truck driver’s left temple. The irony of the story is that the character with the concealed weapon is not one the mafia characters, but is the notary who was carrying a stainless steel embosser.

The Notary recovers the loan docs
After that, the driver’s friend ran away and the notary proceeded to the unattended garbage truck to pick up her package. She picked up the highest package in the box in such a hurry, she didn’t realize that she had picked up $10,000,000 in dirty drug money. She gets in her car and drives off with her “loan docs” finally in her possession again. She calls the signing company and lets them know about the problem. Then, she proceeds to her nearest staffed Fedex station — where there won’t be any garbage trucks (let’s hope). She pats the package in glee to have gotten it back after a small altercation. But, she notices a distinct bulge in the package that didn’t feel like loan documents.

But, what she had was not really the loan docs after all
The five seconds after she realized that her loan documents were not in her possession, she saw a large garbage truck driving down the street.

Mental note to self: “Take out the garbage”

Tweets:
(1) A notary bumps into Toni Baratone at a FedEx drop box
(2) The garbage truck tore the FedEx drop box from its bearings and took it away!
(3) “We need to get rid of the witness, but I can’t tell the 2 blondes apart”
(4) The Notary takes $10 million in drug money to the Title company by accident.

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Don’t put the FedEx in the drop box
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More on Snapdocs, the Uber of the Notary industry
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My interpretation of how the Notary industry went South
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January 13, 2022

A notary gets sued, but E&O won’t help out!

Filed under: Business Tips,Drama & Tragedy,Legal Issues,Ninja Theme Articles — Tags: , — admin @ 9:19 am

This was originally published many years ago.

We had a notary public whose name will remain anonymous. I will not disclose her location either. But, she is being sued because a lender pulled a fast one on a borrower. The borrower is suing everyone connected to the loan. But, the borrower should know that the notary public has nothing to do with the loan, doesn’t know the lender, and doesn’t benefit from the loan other than to collect their small fee.

The story gets worse though. This notary’s E&O insurance policy wouldn’t help out with any of the legal expenses, or potential damages simply because they claim that the notary never made a clerical error which is true.

The notary public went to get legal counsel, and a neighbor / friend of the notary public offered to help at a discounted rate. But, the discounted estimate for the entire case was $30,000. It doesn’t make sense to me why a notary should pay $30,000 to defend themself from a false accusation.

In any case, we should pray for this notary public, so that she can get off the hook of being falsely accused. She did nothing wrong and shouldn’t suffer like this.

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January 8, 2022

Notary Suicide Hotline

Filed under: Virtual Comedy Themes — Tags: , , , — admin @ 5:04 am

This was originally published many years ago.

This blog entry seems appropriate now that the holidays have set in. I’m sure many of us have a solid dose of holiday related depression with less sunlight, and an interruption of our daily routines.

“Hurry — we have a level 3 on line 2!”, said the neurotic manager of this organization. What organization was this, you might ask? It is none other than the Notary Suicide Hotline. But, I have never heard of this, you might say! It all came to Jeremy in a dream…

The dream…
It was a few days ago. Jeremy had a dream that he and a few notaries were having sandwiches. The bread was a foot long, but each sandwich only had a small cutlet in it. Then Jeremy went up to the 7th floor of a haunted mansion to hide, because he felt bad that the notary industry was so slow, and felt afraid too! So, Jeremy went to his psychic to do dream interpretation. The sandwiches had lots of bread which represented hard work, but very little cutlet which represented nourishment. That meant that the notaries were working too hard for not enough money!

Another dream
Then, the next night Jeremy went to sleep there was another dream. In the dream, the NNA had become very concerned about the emotional well-being of notaries throughout the country. Many were depressed, and a few even contemplated ending it all. Something had to be done. So, the NNA created the Notary Suicide Hotline.

The call
Notary: “Hello… (sob) It’s too upsetting”
Frank: “I’m sorry about what you are going through. Would you like to talk about it?”
Notary: “Yes… well… It was another $40 signing… boo hoo hoo!”
Frank: “I’m so sorry to hear about that — please hold”

Frank “Hey Sully, we have a level 3 on line 2, can you handle it?”
Sully: “I got it!”
Frank: “Sorry to keep you waiting, I am going to transfer you to Sully — he specializes in exactly this type of crisis”
Notary: “Oh…okay”
Sully: “Hi, this is Sully, I heard that you were offered yet another $40 signing”
Notary: “Yes, it is terrible — we deserve more, especially with fax backs!”
Sully: “I’m so sorry about that. How many fax backs were there?”
Notary: “There were 12. I can’t figure out why they need so many!”
Sully: “Maybe they are insecure. Just remember — it’s THEM, not YOU”
Notary: “Really?”
Sully: “Yeah, they are the guys with the problem, not you!”
Notary: “Do you really mean that?”
Sully: “Sure, we get this all the time. they are paranoid that someone didn’t sign ONE little document on one out of a hundred loan documents. My attitude is — deal with it. Don’t put the notary through hell. If the notary makes a mistake, just don’t use them again unless they have a good track record.”
Notary: “That makes me feel so good. You are really on my side!”
Sully: “Hey… we have been dealing with this for a long time. It never ends. And for $40. It is ridiculous. They should pay at least $90 for those types of signings. But, don’t feel bad, just ride the wave until the economy picks up. They, maybe you’ll get lots of $125 signings, especially if you have experience.”
Notary: “I feel so hopeful now. I pictured everything being gloomy forever!”
Sully: “Nothing lasts forever. What goes down, must come up again, right?”
Notary: “That’s true. When the economy was good before, I thought it would last forever. Now that things are slow, I am depressed thinking that things will be slow forever. But, that isn’t true. Everything in the notary industry is cyclical!”
Sully: “You got it. So… you’re not thinking of ending it anymore, right?”
Notary: “No, you talked me out of it. How can I ever thank you?”
Sully: “Well, this week we are having a special, buy three NNA journals, get a half-price ticket to one of our seminars, what do you think?”
Notary: “Well, how much are three journals?”
Sully: “$40, but without the fax-backs!”
Notary: “It’s a deal!”

So, ends our level 3 suicide hotline call. Thank got it wasn’t a level 10. Level 9 is when a notary is standing at the edge of a bridge holding a stack of pre-fax-back loan documents. I’ll leave it to your imagination what a level 10 is. You need a lot more experience handling those types of calls.

Tweets:
(1) The Notary Suicide Hotline — making sure notary commissions expire before the notaries do since 1932.
(2) Notary Suicide Hotline: “I have a level 3 on line 2, can you handle it?”
(3) Notary Suicide Hotline: “May I help you?”
Notary: “I’m tired of $40 signings w/fax backs!”
(4) Don’t put the notary through hell. If the notary goofs, just don’t use them again.
(5) Dream: A long sandwich w/3 little cutlets inside.
Interpretation: Notaries doing too much work for too little money.

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January 3, 2022

Notary Reviews vs. Movie Reviews

Filed under: Humorous Posts — Tags: , , , — admin @ 8:03 pm

Originally published many years ago

Notary reviews vs. Movie reviews

Imagine what the world would be like if Notaries got reviews similar to movie reviews. The world would be a much more interesting place for one! But, would it get too zany?

(1) This notary gets two thumbs up!
(2) The notarization was good, but the popcorn needed more butter (sorry for the corny joke)
(3) It was a very awkward notarization because the person behind me had their feet on the back of my chair.
(4) Some reviews spoil the movie — read the spoiler alert.
(5) I didn’t like the ending to the signing. Too predictable.
(6) The guy in front of me wouldn’t take off his hat throughout the entire signing
(7) There was a lot of character development the minute we got to explaining the APR.
(8) The Notary gave an award winning performance.
(9) The actor who played the Notary was such a natural it would be an easy mistake to take him for a real Notary!
(10) The notary had to go back to his trailer so that “make up” could do some touch ups on his seal, because his seal was beginning to smudge.
(11) I hate it when people talk during the signing, especially during the critical parts.
(12) I wanted to bring a date to the signing, but I was the only one on the Deed of Trust.
(13) The notary dimmed the lights as I was reading the details on my Settlement Statement. Luckily I brought a flashlight!
(14) The suspense hit its apex when the Notary couldn’t reach the Lender by cell phone. I never expected that!

Coming attractions:
Refinance 2,
Debt Reduction Retainers — the sequel.
The Notary Games.

Tweets:
(1) This notary gets two thumbs up!
(2) It was a very awkward notarization because the person behind me had their feet on the back of my chair.
(3) Notary Reviews vs. Movie Reviews: I didn’t like the end of the signing — to predictable.
(4) I wanted to bring a date to the signing, but I was the only one on the Deed of Trust.

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January 2, 2022

Welcome to the Notary Hotel

Filed under: Best Humorous Posts,Humorous Posts,Popular on Linked In,Popular on Twitter 2011 — Tags: , , , , , , , — admin @ 8:04 pm

Originally posted many years ago

Welcome to the Notary Hotel.

Borrower: “Hello, I’d like to file a formal complaint. The notary didn’t come with a complimentary continental breakfast!”
Clerk: “Sorry about that, but breakfast is only from 6am to 9am weekdays and from 7am to 10am on weekends.”
Borrower: “Also, the notary didn’t sanitize my thumb after thumb printing me!”
Clerk: “Oh, really, I’ll have to write that notary up!”
Borrower: “Aren’t I supposed to get a mint on the top of my loan document stack?”
Clerk: “Hmm, that is part of the Notary Hotel’s branding. I’m really sorry about that.”
Borrower: “Also, the Notary didn’t observe the don’t disturb sign while I was reading the Settlement Statement!”
Clerk: “Oh brother, it’s time we fire that Notary!”
Borrower: “I asked the Notary to give my wife a wake up call when the signing was finished. She fell asleep halfway through the Affidavit of Occupancy.”
Clerk: “It is safe to assume that the Notary failed to give you your complimentary wake up call. Tell me, was there anything good about your signing?”
Borrower: “Well, the Notary gave me some lemongrass moisturizer and a shower cap! I enjoyed those.”
Clerk: “So, there is a silver lining on the cloud next to every shower-head!”
Borrower: “The Notary wanted to kick us out three minutes before check out time while I was reading the automatic payment transfer authorization.”
Clerk: “I’ll add that comment to your file.”
Borrower: “At least I was given two hours of free wi-fi during my stay!”

Clerk: “Did you try out our unique cable T.V. system? You can get 328 complimentary channels including — the signing channel!”
Borrower: “You make me feel like I really missed out!”
Clerk: “Next week we’re having a special. Sign a line of credit while you’re in line for Belgian waffles.”
Borrower: “Oh, you’re going to make waffles for us?”
Clerk: “Not exactly, you stand in line so you can make them yourself. When you think about it, we should be paying you to stay here and stand in line so many times. You stand in line to check in, check out, use the shower for the “equity pool,” and also to make waffles! We’re going to have to do something about those lines!”
Borrower: “You’ve got a point there!”
Clerk: “I’m sorry you had a negative experience. To make it up to you, next time you stay with us, we’ll let you upgrade at no cost to one of our signature rooms, if one is available at the time of your stay!”
Borrower: “If a signature room is not available, I’ll assume that you’ll give me an upgrade to an ‘initial’ room, a condensed version of the same thing?”
Clerk: “Actually, I never thought of that, but we do have digital signature rooms that are also often available. Instead of having a key to the room, you get a password. The welcome mat is a huge signature scanning pad — you’ll love it. Digital Signature rooms come with virtual windows with views of anyplace in the world. The cable T.V. is also very different. Instead of paper-view, it comes with paperless-view because it’s digital.

Borrower: “The other thing that I didn’t understand is that my room key was in the shape of a stamp. Instead of swiping it in a reader like other hotels, I had to affix a digital stamp of my seal on what looked like a scanner. Very perplexing. My notary seal digital key also had commission room number 314 an expiration date of 11am the next morning. I guess that is check out time.”
Clerk: “Well, we like to maintain a notary theme at all times. After all, this is the Notary Hotel. Just thank god we don’t have eight digit commission room numbers on the digital seal!”

For those of you who want to visit the Notary Hotel, we have all the amenities. Swimming “equity pools”, business centers, tennis, movies, and of course an endless supply of complimentary blue pens. All you have to do is fax us an order confirmation and sign in once you arrive! Some people stay here their entire commissions!

Tweets:
(1) The Notary Hotel: Does my notarization come w/a wake up call?
(2) The Notary Hotel is so comfortable, some notaries stay there their entire commission.
(3) Their signing took place at The Notary Hotel & the wife requested a wakeup call after the signing was done.
(4) At The Notary Hotel: they didn’t observe the don’t disturb sign while I was reading the Settlement Statement!
(5) At The Notary Hotel, Showtime & HBO are free, but the Signing Channel costs $40 (not including fax backs)
(6) Check out the digital signature rooms at The Notary Hotel

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January 1, 2022

Who is the authority at a Notary Loan Signing?

Filed under: Loan Signing 101 — Tags: , , — admin @ 10:13 pm

Originally published several years ago.

Notary Public Authority

We often ask questions about authority to signing agents, and the results are horrifying. Most Notaries do not know who is in charge of what. So, this article will sum it up clearly.

Notary Public
A Notary Public is a state appointed state official who is paid by customers, but whose “boss” or authority is the state Notary division. Many Notaries Public seem to be confused as to who their boss is, the one paying them or the one commissioning them. The problem is further complicated by the fact that the ones paying them often pay them for more than just Notary services as travel, pick up, drop off, and supervision of non-notarized signatures and packages seem to be part of the deal if you are a Signing Agent.

The Notary is the sole authority regarding what goes in a Notary certificate such as an Acknowledgment, Jurat, etc., what goes in the journal, what is allowed or not allowed, and how a notarization should be done.

It is common that Notaries have questions during a loan signing and direct those questions to the Lender or Title representative. This is okay for Title or Lending questions, but not for Notary questions where the Notary may only turn for help to their state Notary division, official Notary handbook, or perhaps the NNA hotline.

Notaries should NOT ask the Lender for Notary advice because:
1. The Lender is probably not a Notary
2. If the Lender is a Notary they might be in a different state
3. If the Lender is a Notary and in the same state they might not be knowledgeable.
4. If the Lender is a Notary, in the same state, and knowledgeable, they might (are likely to) give you advice that would make the job go more smoothly for them, yet have tremendous liability for you.
5. You are the one appointed to the job, so even if the person you are asking for advice is a Notary, they are not the one whose commission number gets put on the certificate, and you are the one going to jail if something goes wrong. Therefor, you have to know your laws and what you can and cannot do, etc.

Who can initial and where?
Any initials on a Notary certificate are done exclusively by the Notary Public. It looks like tampering if the borrower or anyone else makes marks on a Notary certificate. The borrower may initial documents, but not the Notary certificate or Notary section in or attached to a notarized document

The Lender
The Lender is the “boss” of what happens with loan documents. If the Lender authorizes a change, initialing, cross outs, etc., on an actual loan document that is NOT in the notary section, that is up to them and they are the authority on that matter, not the Notary. The minute the issue becomes with a Notary certificate, then the authority swings over to the Notary (even if the Notary doesn’t have a clue what to do.)

The Title Officer
The appointed Title company might be a good source of information about how to handle any issues that might come up with Title documents or recorded documents. You can ask them if you have questions, but don’t let them answer Notary questions.

Issues of Preference can be asked to the Lender
Sometimes there is more than one legal way to handle a situation. If there is an error on a preprinted Acknowledgment, and your state allows a choice of crossing out & initialing vs. using a fresh Acknowledgment form, you have a choice. The Notary has the right to make that choice on his/her own and choose the option that he/she feels is more prudent or ask the Lender. However, this is a situation where the Notary can ask the Lender not for advice, but for preference. If the Lender would prefer a loose Acknowledgment stapled on to the document rather than crossing out & initialing the original form, the Notary can proceed accordingly.

The Borrower
The borrower has the right to sign, not sign, tell you where to park and more. Their preferences matter as well.

Your State
Your state Notary division decides what the laws are in your state, how they are explained or document in your official Notary handbook, etc. They are your boss, so you do whatever they say. Additionally, if you are weak on your Notary knowledge, that can lead to ending up in court as a witness, having your commission revoked, suspended or terminated. Additionally, it is possible to be convicted of a crime if you are thought to be involved in property related fraud, or if you filled out a form stating that an Oath was taken when in fact it was never taken which is a daily fraud that most Notaries engage in that is unacceptable.
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You might also like:

Does 123notary have the authority to quiz people?
http://blog.123notary.com/?p=19469

Notary Public 101 Quiz Questions
http://blog.123notary.com/?p=19520

Do you keep a journal to please your state, a judge, the FBI or 123notary?
http://blog.123notary.com/?p=19483

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

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December 31, 2021

The future of Notary work

Filed under: Marketing Articles — admin @ 8:03 am

The way the world looks, the way things are going, it looks very bleak, but not for notarizing those who are owing (borrowers).

I looked into my crystal ball, and it was revealed to me. And no, I didn’t get the cheap kind at crystal balls for less. I saw a world of chaos, turmoil, crime, strife. Perhaps inflation would go way up, and interest rates too. People would be dying in mass from the long term side effects of the vaccine that was supposed to keep us “safe”. Where is your safety now Fred said looking down at his demised wife Sylvia lying in her grave three years after taking one of the vaccines. Did the FDA approve it? Was it tested in the long run? No, because there was no time. We had to administer it to as many young and middle aged people as possible who had a one in ten thousand or less chance of dying from Covid, and that was to keep them “safe.” They were more in danger of dying from being struck by lightning or being molested by a variety of politicians in NY or NJ whose names we won’t mention. But, I digress.

Then, it seems that God is upset with the world and upset with America. He has retracted his blessings. But, what does that mean for the Notaries of America? Is that good or bad for us they ask? Here is my thought.

Between disasters, war, vaccine related deaths, and economic chaos, there will be more people buying and selling properties. Notaries these days do lots of “buyers” and “sellers.” Foreclosures often require a notary too. Refinancing tends to be higher when interest rates are low, but in this crazy reality we are entering, people might get refinances if interest rates go up in anticipation that they would go up much more.

I don’t know exactly what the future holds for us other than WW3, Armageddon, The Messiah, and hopefully a store near me that sells powdered Mexican style pequin pepper (goes great in stir fries). But, I see that Notary work will be busy probably for the next ten years or more.

I believe that the angels got me into this business partly because they knew it suited me. And partly because in 2000 when they got me into this, they saw the shutdowns and quarantines coming and wanted me to have a job I could do from home so I would be economically stable. Well, I am feeling very fortunate and grateful for the good graces of these higher beings who saved my rear that time and many other times.

My only advice to you Notaries out there is:
Get more reviews
Get a catchy business name and register it.
Become an expert at writing a compelling notes section
Stay close (or closer) to God, so when he destroys the planet he’ll consider saving you as an individual even if he sacks your community (no joke).
And try the Thai green curry on Wilshire — it’s really excellent; just the right amount of spice.

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December 12, 2021

Many Notaries on 123notary get out of state title companies

Filed under: Marketing Articles — admin @ 12:00 pm

I keep hearing that the type of business people get on 123notary is better than on any other directory. I work hard to keep 123notary good. I do this by quizzing people, and helping people with their notes section. I weed out listings with dysfunctional phone numbers and those who are not responsive too. All of this is the basic nuts and bolts of quality control.

But, I have heard from several Notaries that they get a lot of out of state work from 123notary.com, and mostly from title companies. This is great news. My hard work has paid off if people get great jobs. I feel like I accomplished something. But, honestly it is time for a long vacation.

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