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February 3, 2023

10 Mobile Notary Safety Tips for Beginners

Filed under: General Articles — Tags: , , , , — Tom Wilkins @ 8:00 am

Becoming a notary in your state can be a lucrative career path for entrepreneurs and those who want to help their communities. Mobile notary services have become quite popular in recent years. Experienced notaries know that mobile services expand business opportunities. Still, they also know that there are specific safety guidelines that mobile notaries need to pay attention to while on the go.

If you’re considering offering field service as a notary, below are ten mobile notary safety tips for beginners:

1. Always verify the identity of the signer before conducting any notarization

As a notary, it’s your responsibility to know who you’re dealing with, but this can be especially difficult when providing mobile notary services. You may be called to various locations with multiple people present, so verify the identification of all signers. You can do this by checking state-issued ID cards, driver’s licenses, military ID cards, or other forms of acceptable official identification.

2. Ensure the document being notarized is legitimate and that all information is filled out correctly

Documents you notarize need to be validated as legitimate before completing the notarization process. Different documents may require more intensive verification than others, so always ensure you know what documents you’ll be dealing with before heading to a notary job. This will allow you to be prepared if certain documents need additional verification to be performed beforehand.

3. Always use a tamper-evident seal or stamp on the document

The seal or stamp you use should include some tamper-evident features. Consider taking photos of any seal you place upon documents within the bounds of the laws that govern notary services in your state. This can be helpful if evidence needs to be provided later to verify the original marking.

4. Keep a detailed journal of all notarizations performed

It’s also a good idea to keep a detailed journal of each day’s service calls. Each entry should include the date, time, and location of services performed, and you should also consider including contact information for any parties with whom you have contact. Your journal entries can help if you need to verify information in the future, and it can also be helpful if you bill customers instead of collecting payment at the time of service.

5. Be aware of your surroundings and stay alert for any suspicious activity

Among other mobile notary safety tips for beginners, it’s vital to be aware of your surroundings when in the field. Pay attention to suspicious activity, and always put your safety and security first. No job is worth your life, so pay attention to potential threats in the area. You can also research locations online before arriving to get a better understanding of an area’s layout.

6. Use a GPS-enabled device to track your location

In keeping with the above, ensure GPS tracking is enabled on your smartphone or a dedicated GPS unit in your vehicle. These devices help you find locations faster, but they can also be used to provide important information to authorities if you can’t be contacted after responding to a service call. It’s also recommended to share your schedule with a trusted friend, family member, or colleague and check in with this person throughout your work day.

7. Do not carry large amounts of cash or valuables with you

You only carry small amounts if you accept cash payments as a mobile notary service provider. If you have a busy day, plan some time between service calls to deposit cash at your bank. In the unlikely event that you get robbed, or you lose the cash on your person, you’ll be thankful that you didn’t carry a large sum of money. You can also limit the amount of jewelry you wear to service calls to minimize your risk of being robbed.

8. Be familiar with the notary laws and regulations in your state and adhere to them at all times

As a mobile notary, you have unique obligations and responsibilities. Your role is recognized by authorities to serve the public with integrity; to do this, you need to know the laws that govern notary services in your state. These laws may include regulations about what documents you can notarize, where notarizations must occur, whether multiple witnesses must be present, and more.

9. Keep your notary commission and identification with you at all times

Mobile notary professionals must always keep their commissions and IDs on them. Having these documents with you is important if a customer asks to see them, but you may also be asked to provide them to authorities. In addition, providing mobile notary services often means going into unfamiliar areas, so it’s wise to have records available to show that you belong in places where you don’t live.

10. Use a secure method of payment and avoid accepting cash

Accepting cash is convenient and quick, but it can also be a liability for mobile notaries. Instead of accepting cash transactions, consider using a digital point-of-sale system. Today’s point-of-sale systems integrate with the web through smartphones, allowing you to accept cards and digital payments without having to handle paper money.

Mobile Notary Safety Tips to Protect You and Your Clients

Remember, as a mobile notary, you are responsible for the safety of yourself and others. By following these ten mobile notary safety tips for beginners, you can help ensure a safe and enjoyable experience for everyone involved in the transaction.

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January 27, 2023

How to Start a Mobile Notary Business in 2023

Filed under: General Articles — Tags: , — Tom Wilkins @ 12:00 pm

Starting a mobile notary business in 2023 is a great way to provide valuable service to your community while running a successful and profitable business. As a mobile notary, you can work from anywhere, set your own schedule, and serve many clients.

Get Commissioned

The first thing you will need to do to start a mobile notary business is to become a commissioned notary public. This typically involves passing a background check, taking a notary education course, and passing a notary exam. Once you are a commissioned notary public, you will need to purchase a surety bond, a type of insurance that protects your clients in case of errors or omissions on your part.

Create a Business Plan

Next, you’ll need to create a business plan. As a notary or signing agent, you know that success in your business requires more than just showing up on time and having the right documents. Taking the extra step to create a mobile notary business plan can go a long way toward helping you achieve your goals and make your work even more successful. There is much to consider, from generating leads to determining pricing structures when writing up your plan.

Invest in the Proper Tools & Equipment

Once your business plan is complete, you must invest in the necessary equipment and supplies to run your mobile notary business. This includes a professional-grade seal and stamp, a journal to record your notarial acts, and a reliable means of transportation to travel to your clients. You will also want to invest in a good-quality printer, scanner, and computer to handle all the paperwork required to do your job.

Market Your Notary Business

Marketing is essential when you start a mobile notary business to ensure a steady stream of clients. You will need to create a website and social media presence to showcase your services and offer discounts and promotions to attract new clients. You should also consider networking with other notaries, real estate agents, attorneys, and other professionals who can refer clients to you.

Ongoing Education

Another important aspect of starting a mobile notary business is to stay up-to-date with the laws and regulations regarding notary services in your state. Each state has different rules and regulations regarding notaries, so it is important to stay informed and comply with all applicable laws. You should also consider joining a professional organization, such as the National Notary Association, which can provide you with training and resources to help you run your business.

How Much Will You Charge for Your Services?

Finally, it’s important to have a clear pricing strategy for your mobile notary business. You will want to research the going rates for mobile notary services in your area and set your prices accordingly. You may also want to offer package deals or volume discounts to attract repeat clients.

Create Your Own Success in 2023

In summary, starting a mobile notary business in 2023 is a great way to provide a valuable service to your community while also running a successful and profitable business. The key steps are to become a commissioned notary public, invest in the necessary equipment and supplies, market your business effectively, stay up-to-date with laws and regulations, and have a clear pricing strategy. With the right approach and hard work, you can start a mobile notary business that will provide a steady income for Notaries/Signings for years to come.

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January 13, 2023

Top Mobile Notary Challenges in 2023

As mobile notaries, the world constantly changes and presents new challenges for our profession. Every year, new updates in law and regulations affect our practice. So it’s important to stay informed of what other professionals in the industry are experiencing so we can continue to do our jobs effectively and safely. In this blog post, we’ll be looking at some of the top mobile notary challenges that will likely arise during 2023 – from adapting to digital platforms amidst a global pandemic to keeping up with ever-evolving state laws – as well as how best to prepare for these hurdles ahead!

Increased Regulation and Compliance Requirements

Being a notary public is no small task! With an ever-increasing layer of regulations and compliance requirements to abide by, it’s important for notaries not only to stay up-to-date on laws governing notarial acts but to ensure that their notary service is top-notch. Mobile notaries, traveling notaries, and signing agents provide added convenience for clients seeking notarization services beyond the traditional brick-and-mortar approach. As such, notaries must recognize that increased regulation and compliance requirements come with the territory and be prepared to meet them in areas ranging from personal identification verification to data security protocols. After all, notaries are really providing an invaluable service – one that requires vigilance on their part in order to execute properly.

More States Legalizing Cannabis and Its Impact on Notarizations

With more states legalizing cannabis, notary services have never been in higher demand! From notarizing banking transactions to notarizing documents related to cannabis-related agreements, notaries are rapidly adapting their services to meet these growing demands. Mobile notary and traveling notary services like signing agents make this work possible with flexible scheduling, location options, and quick turnarounds. Today’s notaries are required to understand the effects of cannabis laws within the state they work in—and as more states legalize cannabis, notaries are rising to the challenge with an understanding of not only their state laws but regional ones too. The need for savvy notaries has never been greater!

Increased Use of AI and Other Technologies in the Notary Industry

The notary industry is no exception to the technological advancements in automation, with many notary services embracing advantages like AI and mobile notarization. Mobile notaries provide notarizing convenience to customers by visiting them directly at their homes or workplace instead of the other way around, and they can also perform notarial services remotely. Signing Agents present businesses with many opportunities, such as booking more notary assignments and being away from their office while doing it – improving efficiency while on the move! Automation allows notaries to increase access to and quality of notary services; plus, going digital has enabled notaries to work faster and become more organized. The combination of modern technology and a notary’s expertise creates an efficient yet secure process for all kinds of transactions, making it one of the top mobile notary challenges in 2023.

Continued Growth in Remote Working and Its Effects on Notaries

The notary profession has experienced a seismic shift since the introduction of remote working technology. While notaries have yet to experience the same growth across all sectors, those in the notary public, mobile notary, traveling notary, and signing agent spaces have seen particularly dramatic gains due to their ability to provide notarization services from any physical location. This means that as more companies turn towards remote approaches for workplace operations, notary service providers have seen benefits through increased business. This shift bodes well for notaries looking to expand their services online – something that would have seemed next to impossible for the average signing agent or mobile notary not long ago.

More States Legalizing Digital Notarization

Digital notarization is rapidly becoming the notary norm, quickly changing the traditional notarization landscape. As more states legalize digital notarization, mobile notaries and notary services must evolve to meet the increasingly strict criteria. This means notaries who act as traveling notaries or signing agents will become even more popular, as they are both cost-effective and able to meet the ever-hastening pace of new technology and ideas in the notarization process. Not only that but their expertise and presence in person can help make digital notarization a cinch for both notary and customer alike!

Changes in the Real Estate Market and How They Impact Notaries

When it comes to notary services, the real estate market is at the heart of it. From mobile notaries and signing agents that travel from place to place to notary publics who perform notarizations at their own location, notaries play a large part in helping facilitate transactions for buying and selling a home. So when the real estate market sees changes—be it an increase or decrease in residential sales or rising interest rates—notaries must be ready to adjust their services accordingly. Whether this means taking on more projects if there is an influx of business or partnering with other notaries for added flexibility and capacity, notaries must stay agile as changes come about to maintain their notary business and keep up with the ever-changing landscape of the real estate market.

Expectations as We Move Into 2023

In the past year, we’ve seen more changes in the notary industry than ever. From increased regulation to the legalization of cannabis, there’s been a lot to keep up with. Mobile notary challenges will persist as we move into 2023, and it doesn’t look like things are slowing down any time soon. You can expect continued growth in remote working and digital notarization, as well as changes in the real estate market that will impact notaries across the country. But no matter what challenges arise, one thing remains constant: the quality of the notaries like you who are dedicated to providing excellent service. Thank you for everything you do to ensure that our community thrives!

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January 26, 2022

The carrot, the stick, the notary, and the bag

Filed under: Humorous Posts — Tags: , , — admin @ 5:55 am

We have all heard the story about the carrot and the stick. But, I decided to add complexity to the story by adding in the notary and the bag which are both relevant in their own way.

The Carrot
Most notaries are lured in by the benefit of getting paid for signing agent work. They are desperate to get work. They believe all of the lies they are fed by companies that string them along without paying them what they really deserve — or perhaps without paying them at all. Notaries keep chasing these bad companies around in desperations because these companies have a carrot — or at least a perceived carrot. (money would be the carrot in this case)

Notaries should NOT hover around bad companies like little puppy dogs jump around their master. Have some dignity! You need to market yourself to hundreds of signing companies. Get on their lists. And keep in touch with them. You need to see yourself as a carrot rather than chasing other people’s carrots. The notary’s carrot is that they can provide seamless service. Imagine a notary who is always on time, always well dressed, always polite, rock solid in reliability, doesn’t make mistakes, knows the documents inside out, and knows how much to explain and what to refer to the lender. If you can be that perfect flawless notary — you are valuable — and you would be more than just a perceived carrot to the signing / title companies. You would be a stick.

The Stick
Many notaries try waving their stick around without the carrot. They brag about themselves and try to convince others that they are great, and they are above the childish requirements for fax backs. Companies who use inexperienced notaries require fax backs since those notaries make a lot of mistakes. If you are “all that”, then why are you working for these chop shops in the first place? Don’t wave your stick around talking and whining — become a carrot on a stick instead.

The Notary
Notaries whine about not being offered much money for undesireable jobs with fax backs. The fact is that if you have experience and are 100% reliable and offer 100% quality service — such a notary is NOT REPLACEABLE… Then you develop a tremendous value. Those are the notaries that companies will wait for. They will say, “Okay, we will reschedule the signing for Wednesday if that is when you are free — we will wait for you”. If you are an average notary, nobody will wait for you.

The Bag
If you don’t make yourself into a super desireable notary, you will be left out by the more desireable companies who can pick and choose. And you will be left holding the bag.

An ending quote…

“If life gives you carrots, make carrot juice” — 123notary.com

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January 16, 2022

Quiz: You know you’re a good Notary when you…

What type of Notary are you? A good one or a bad one? I’m not sure who created the questions for, “You know you’re a redneck if you…”
So, I’ll create my own version of this satirical banter, and come up with my own version for Notaries that will have some technical merit.

You know you’re a bad Notary when you…

(1) Do you fail to call the borrower to confirm the appointment that signing company set, and just show up?
If you don’t call and make sure that all parties involved (watch out for spousal signatures) will be there and on time, with a current ID with matching names — you might be in for some wasted time. If you don’t get the documents signed, you might not get paid. You might waste two hours for nothing because you don’t think you “need” to call the borrowers, or because you were asked not to. It is your appointment and your responsibility!

(2) Do you send loose certificates in the mail?
Lenders and Title companies are notorious for asking notaries to break the law and send loose certiifcates. In some states it is a Misdemeanor if you ask a Notary to do something illegal. Report all illegal requests to your State Notary Division immediately. No second chances!

(3) Do you fail to get certified by all agencies that you purchase “effective” advertising from? Or do you say, I don’t “need” your certification because I’m already “certified” without even disclosing the name of the organization who certified you? There is no such thing as just being “certified” as notary certification is not regulated by any government.

(4) Do you say, “I have my Notary” when you really mean you have your Notary Commission?

(5) Do you fail to use a Notary Journal or Seal simply because your state doesn’t require it? What happens if an investigator asks about a potentially fraudulent transaction you were involved in and you have no evidence for the court? The court case might be really long and you might get in really big trouble.

(6) Do you fail to keep thumbprints of signers in your journal because your state doesn’t require it?
Guess what? You might end up in court if you don’t take thumbprints, especially on transactions affecting high dollar figures such as properties.

(7) Do you fail to administer Oaths to credible witnesses or for Jurats because you are not well enough trained to know how, or even to know that you are required? Or, perhaps you don’t even know what a credible witness even is. Better look this up in your state Notary handbook.

You know you’re a good Notary when…

(1) The hair on your neck stand up straight when you see someone try to sign with a middle initial that doesn’t exist on their identification.

(2) You use an inked seal and an embosser with a raised non-inked seal to make it detectable if pages are swapped or photocopied.

(3) You take copious notes in your journal about the signers, what went on in the signing, and the building / neighborhood where the signing took place to job your memory should you ever be summoned into court.

(4) You sell your car, and buy a few top spots on 123notary.com!

There are many other technical points and best practices that we could address, but for this hopefully entertaining blog entry — that’s all folks!

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January 9, 2022

Which rules are laws, Lender practices, or best practices?

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Notary Rules or Industry Rules?

It is confusing with all the standards in the Notary business. When 123notary teaches Notary practices, we are not teaching laws, but solid practices. Many Notaries argue with us about our practices because they are not required by law. That is the whole point — we are not teaching law because we are not authorized to, and because we don’t know it. We do know solid notary practices, and teach it as you can get into trouble for not knowing your basics. However, notaries have many misconceptions about the rules of the industry. So, let me clarify.

1. You can always over sign — industry practice (not a law)
Is this a Notary law, industry practice, or what? This statement means that you can sign a document with a name that is longer than the name typed in the signature line. However, that does not make it legal to notarize that longer name unless you can prove the name with an ID. Pleasing the Lender is one aspect of being a Notary. Obeying the law is a much more important one. If you displease the Lender you get fired. If you get in trouble with the law you can end up in jail. Pick your poison.

2. The name on the ID has to match
Please keep in mind that there are four names we have to keep track of:
(a) The name on the ID
(b) The name typed on the signature section of the document.
(c) The name signed on the document
(d) The name on the acknowledgment.

In theory these names could all be different variations, but it is cleaner if they are identical. The critical points are that:

(e) The name on the Acknowledgment must be identical or matching but shorter than the name on the signature line of the document. If the signature on the document says John W Smith, you can put John Smith or John W Smith in the Acknowledgment to please the law, but the shorter name might not please the client.
(f) The name on the Acknowledgment must be provable based on the name on the ID, but does not have to be an exact match. The ID could say John W Smith and you can put John Smith in the Acknowledgment if you like.
(g) The name signed on the document can be identical or matching but longer than the name typed on the document to please most Lenders, but legally notarizing the longer signature or shorter signature is dependent on proving all of the components of their name with an ID.

3. The Lender is the boss of the Notary Public (true for signings, but not for the actual notary work)
The Lender is your boss as to the general assignment, and what happens with loan documents. They are NOT your boss about Notary issues and you should not ask them for Notary advice ever as they might have you do something illegal out of ignorance or greed. You ask your state’s notary division if you have a Notary question and perhaps the NNA hotline and that’s it. The Notary can ask the Lender their preference in how something is notarized if there is more than one legal way to do it, but you can not ask a Lender how to do your job. You are the appointed Notary, not them. If they want to do it their way, they should come over with their stamp and do it their way which hopefully is legal — but, it is their commission at stake if it is not legal. Don’t risk your commission depending on the Lender or Title for Notary advice.

4. The Notary is the boss of the Lender?
The Notary is a state appointed official who represents their state, although the state is not the entity that pays them. If there is a discussion between the Lender and the Notary as to how a Notary act is done, the Notary dictates how it should be done. If there are multiple legal ways to do something such as fixing a mistake by crossing out and initialing vs. attaching a loose certificate — then, the Notary can ask for the Lender’s preference, but not for advice. However, there are liability issues with doing cross outs and initialing. It looks like tampering and you don’t want to end up in court. So, once again, it is the Notary’s discretion as to how problems are solved when there are multiple methods to solve. You can ask the Lender what they like or you can dictate to the Lender what you are going to do. But, the Notary is the boss of Notary work. If they don’t like it, they can find another Notary. It is best if you explain the reasons why you want to do something a particular way. If your reason sounds prudent, there is a chance you might get some respect for your decision. Most Notaries don’t think issues out carefully and do not have well thought out reasons for anything they do. Read our course more and become reasonable! Your commission might depend on it.

5. Send me a loose certificate or jurat in the mail (illegal)
Acknowledgment or Jurat certificates must be stapled to the documents they are associated with. If there is one floating around, you cannot create another one until you destroy the original yourself. Some states do not allow creating new certificates for botched notarizations and require you to do the notarization all over again. Consult your notary handbook on this issue, especially in California where there are many new rules created in the last few years that I have heard about but not actually read to my satisfaction.

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January 1, 2022

Who is the authority at a Notary Loan Signing?

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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August 8, 2021

Memorial of Carmen Towles, former salesperson for 123notary

Filed under: General Stories — admin @ 6:42 am

CARMEN’S DEATH
Carmen Towles passed away in July of 2020. I found out on July 25th from a client. I believe she passed away on the 24th, but I see other conflicting reports on Notary Rotary saying it happened two weeks before that. The last time I talked to Carmen was on June 29th when she was released from the hospital. She was able to talk but wasn’t making logical sense. She couldn’t remember if she had a gall stone or a kidney stone. I think you would remember that.

Carmen died of Pancreatic cancer, but had a gall bladder infection too. She never told me about the cancer, perhaps because she didn’t want me to worry. I think it would have been better if she had told me so I could plan ahead.

OUR HISTORY TOGETHER
In any case, Carmen and I worked together for 17 years since 2003. I remember the first time I met her at the entrance to our complex. I was selling her a course book. She was very talkative, inquisitive, and sharp. She kept calling me to ask questions and became very knowledgeable as a signing agent. Carmen claimed she took the NNA course, but that it did not make her feel confident enough to go out and do real signing work. After she mastered our 123notary course, she felt she got a practical road map of what to do and how to handle situations. As time went on, I begged her to work for me. She initially didn’t want to. It took a few years to get her to work full time. After she got used to it, signings slowed down, and she became hooked on 123. She did the new sales and renewals and was very possessive about the work.

CARMEN AS A MENTOR
Carmen was an excellent mentor to many of our Notaries. She taught them the twists and turns of what can happen at signings and with the various companies who hire Notaries. She kept many out of trouble and inspired all. She had real charisma, pizzazz, combined with a deep and pragmatic knowledge of Notary law and signing competency. Nobody else combined her flamboyance and knowledge. None of the other Notary companies have anyone even half as good as she was.

CARMEN’S INPUT
Carmen helped me put together a new over the phone test content as well as a new course which is on the blog and free — Notary Public 101. We wanted to emphasize what gets Notaries in trouble, so they can stay out of trouble. The other courses taught information which was about loan documents which is fine, but you don’t normally get in trouble for not understanding the documents, you get in trouble for notary mistakes or mishandling situations.

OUR LOSS
The Notaries are very sad that Carmen is gone. There will never be another Carmen. I am sad that I never got to say goodbye. I didn’t think she would pass away so fast. I thought she had another year where she would function at half speed. But, I can communicate easily with spirits, so I have had a few simple dialogues with Carmen.

JEREMY: How are things in the brighter world?
CARMEN: I’m getting a lot of rest.

JEREMY: What will I do without you?
CARMEN: Oh, don’t worry about it.

JEREMY: Do you have to wear face masks up there?
CARMEN: Ha ha…. no!!!

LIFE WITHOUT CARMEN
So, now I have to do all of Carmen’s work. I call all of the renewal people. It wouldn’t take that long except that the higher level people like to chat. Many of our higher level people have been with us for years, in some cases up to 20 years, and they have stories from long back. The bigger issue is not having to do her work. I am missing the new calls because I am not prepared to answer the phone all the time. I am not sure how I will hire someone new who will be acceptable and who will last.

And third, I miss Carmen because she is like a family member to me. She understood me well, and had very sensible advice for me about all of my issues. I didn’t necessarily agree with all of her advice, but most of it was good. I am very sad, lonely and don’t know what to expect of the future. The future doesn’t look very bright now, but you never know. I am going to try out several new ladies who seem promising.

With all of the bad vibes in the atmosphere due to the Covid19 issue, riots, and political upheaval, it seemed like the devil made his rounds to disrupt many cities, many lives, many political issues, etc. First there were Covid19 shutdowns which took away our rights. 80% of what I could do outside of the house was shut down or disappeared. Then the devil came to my neighborhood with the riots. A month later my site went down for a week. Actually that was done by angels for my protection, but felt like the devil was somehow involved. And then my site went back up, Carmen became incapacitated and then died shortly after. So much grief in just five months. No wonder I feel more depressed than I have felt in years.

Carmen was always there, usually answered the phone, only went on one quick vacation that I knew about which was a cruise in Mexico. But, she kept her phone with her so she was accessible. She even did phone duty while she was on Jury Duty. She was always there, and now she will never be there again.

I will have my psychic contact Carmen in the brighter world to see if she has anything she wants to tell the Notaries. My ability for spirit communication is okay for very quick questions and answers but not good enough for conversations. So, we will leave this up to Walter who is an expert.

Incoming phone communication to 123notary is basically almost impossible now. I answer some of my incoming calls. but, I really can’t get more than 10%. If you want to reach me fast, just use the email form on 123epayment.com. I am very slow by info@123notary.com, so if you are in a hurry, 123epayment.com is a little faster.

So for now, that is all I can say.

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July 22, 2021

How to find a Notary mentor

Filed under: General Stories — admin @ 3:59 am

Many Notaries ask me how to find a Notary mentor. I used to know people who did teaching and mentoring. But, they are all getting so old. I don’t know who to recommend. There are several issues here.

ISSUES WITH MENTORS

1. If you get a mentor who is near where you live, you represent competition for them. Even if they are the best in the world and you are brand new, you will eventually get better and take some market share from them.

2. If you get a mentor who is far, then how will you ever be able to meet with them?

3. Ideally, you want a mentor who is about an hour away so you are not in direct competition with them.

4. When I call people who are being mentored, whenever I ask about their skill set, they immediately tell me all about what their mentor knows and how great their mentor is. That is all very wonderful if I am going to hire their mentor, but not if I am going to hire the new Notary. Answer questions about you based on you. If you know nothing, be up front about that otherwise you would be a very slippery person who knows nothing vs. an honest straight forward person who knows nothing. People who hire notaries can see through all of this type of BS and none of us have patience for it or like it. Real answers to real questions please.

HOW TO FIND A MENTOR

NNA used to publish a list of mentors. I don’t know if they still know people who do this.

You can call the most experienced notaries on 123notary and see if any of them will help you. You could call local ones, or people far away with high placed listings.

The NNA claims that social media is a good place to find a Notary mentor. Facebook groups, forums, etc. I tend to agree with that idea. However, people who are busy and successful don’t always show their face on social media because they are too busy working so that they can keep being successful. Meanwhile, people who are not at all successful often spend all of their time on social media, sometimes bashing other people who spend their lives being productive (especially in the notary world.) Carmen and I are very familiar with that type of social media user.

Carol Ray knows many people in the business and might be able to help. She runs Notary2Pro which is an agency that trains Notaries.

Asking leaders of notary organizations (other than myself) might be a great idea. I know people who teach or used to teach, but I don’t know if they are mentors. I just emailed a few to ask if they do it or know anyone who does it. But, the various leaders of Notary organizations might know all sorts of people doing all sorts of things and there are many organizations out there.

HOW TO SCRUTINIZE A MENTOR

Not all people are experts at all things and not all experts are available or helpful. So, how do you find a good mentor? You could find someone 1000 miles away who is good at answering questions. But, that doesn’t help when you want to shadow someone. On a brighter note, if someone doesn’t want you shadowing them, they have to tell you to your face as you can’t “shadow ban” someone who is with you in person. You should ideally either have a company who can micromanage you and walk you through your first several signings, or find a local mentor you can tag along with for three to ten signings.

The mentor should know:
1. Local notary laws
2. Signing agent procedure
3. How to handle situations
4. How to explain the documents, initialing, the right to rescind, document recording, and basics about title, escrow, and lending.

Since you presumably don’t know anything about signing work or situations, you can see if that person knows how to be a good notary at a minimum. But, you won’t know if they are a good signing agent since you don’t know what to ask them to verify that information. You can ask questions about various notary signing topics and see how thorough or intelligent the answers are. However if you are at the stage where you are ready for a mentor, YOU need to be an expert at your state notary law yourself. If you are going to use your stamp even once, you could end up in big trouble if you do something wrong — so know your stuff!

It would be a little like me hiring someone to be a rocket scientist — I wouldn’t know what to ask them since I know nothing about rocket science.

IF YOU ARE A MENTOR
If you actually are a mentor and are willing to deal with new people and their insecurities, you can respond to this blog post! Additionally, if you know where to find a mentor, shares your comments as well.

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July 14, 2021

How valuable are the various types of notary knowledge?

Filed under: Uncategorized — admin @ 3:19 am

Notaries these days who invest in Notary education study all types of topics. Some study Notary basics, others study TRID, Reverse Mortgages, Helocs, situational knowledge, elite knowledge, or just plain signing agent knowledge. Marketing skills are also taught by many agencies. So, which skills are the most valuable?

As a signing agent, companies typically babysit you unless you are very advanced and work purely for title companies. If you make mistakes, that is very unprofessional, but they generally catch you before it is too late due to the scan backs and fax backs. Notaries do not get complaints about errors on our site these days. When they do get complaints it is because they are rude or don’t show up, don’t return phone calls, or don’t get documents back on time.

So, let me make a pecking order of Notary skills in an order that makes logical sense to me.

Notary knowledge
If you don’t know how to be a solid Notary, you are endangering the public as well as yourself and leaving yourself open to legal liability. A mistake identifying someone, or filling out your journal can lead to a lawsuit, or lack of evidence in a legal proceeding. That is very serious and can ruin not only you, but all who are involved in a transaction with you. Failing to properly administer an Oath (when required) can lead to the termination of your commission if you ever get caught and is considered Perjury which is a Federal crime! If you don’t fill out forms properly or follow Notary law and procedure, you can ruin your life. So, Notary knowledge is the highest priority as a Notary Signing Agent and THAT is why we teach the finer points at no cost in Notary Public 101 on the blog.

Signing Agent knowledge
Knowing how to initial, date a right to cancel, and understanding the basic documents in a home-owner Refinances are skills that you will need to use a lot. You can ruin a signing if you miss signatures or initials, or put wrong dates on documents. Signing Agent skills seems to be a definite #2 in the pecking order of what you should study.

Marketing
If you know your basics, but don’t know how to attract work, you might get a few jobs here and there, but won’t have a side career of any scope. Learning Notary marketing is easy because there are good teachers everywhere. 123notary and LSS do a nice job teaching notary marketing. Some of the knowledge is available in our loan signing course and a lot more is on the blog in the marketing category on the right.

Specialty Skills
It is always good to learn more. Being TRID trained, or trained in reverse signings is great. But, that is the last step in my opinion. It impresses clients when you go above and beyond in your training. It shows motivation and effort and makes them more likely to hire you. But, learn the other stuff first as that is a lot more critical for basic survival.

How many certifications should I get?
The more the merrier. If you advertise with us, you should consider ours. If you are a paid member, we sometimes offer to test you by phone at no cost if you study from Notary Public 101, but we get very few takers. Our test is the hardest in the industry and our teaching materials are the most practical — and NOT the most expensive. We have the least expensive certification compared to the big players!

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