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April 2, 2011

Wyoming Acknowledgment Certificate

Filed under: (5) State specific — Tags: , , , — admin @ 6:11 am

Here is an example of a Wyoming Notary Acknowledgment Form

State of Wyoming
County of ____________________

This instrument entitled _____________________________ was acknowledged before me on ______ (date) being acknowledged ____________________________ by ____________________ (Name of Person) .

(Seal)

________________________________________
Signature of Notarial Officer

________________________________________
Title (e.g. Notary Public) OR Rank (Rank if officer in active military)

My commission expires: __________________________________

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March 17, 2011

If the world ends, do I get a refund?

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

If the world comes to an end, do I get a refund?

 I was joking with a client by email tonight.  She asked when her renewal date was for her notary public listing.  I said its 5-01-2012 which is almost eight  months before the end of the world according to the Mayan calendar.  She asked if she would get a refund if the world ended prematurely.  I said, that if the world ends, we will be living in the same situation that Northeast Japan is in — or worse!  There would be no mail, no banks, no mail trucks, no email, and we would have to rely on mental telepathy. That means that there would be no way to get the refund check to you, and no money, and no banks — just debree.  What I said to the out of state client was, “Look on the bright side, maybe the rest of the world will be destroyed, but Los Angeles will be fine!”
 
The Mayan calendar
Personally, I believe strongly in astrology. I live with an astrologer, have heard a lot about Vedic astrology and how detailed it is, and have read several books about Mayan astrology. I even took a course in Chinese four pillars astrology for date selection. Each system is remarkably different, yet they are all reliable enough to use regularly.   So, if the world is going to end, I better hurry up and do whatever I want to do, right?
 
Exact dates?
My astrologer housemate insists that far away planets and constellations don’t have an effect necessarily on the exact date when they are charted to be in a particular position.  So, I believe the same applies to Dec 23rd, 2012.  I believe that the 2012 disasters have been warming up for decades and will apex in 2012 or 2013.    The 2005 tsunamis were an appetizer, the Japan 2011 disaster tsunami is part of the warm up too  The Pakistan and China earthquakes, New Orleans, and 911 are part of the scenario too.  The problem is that the real disasters won’t come for another one to four years.  Solar flares will come that disrupt, or eliminate cell phone communications.  Megatsunamis and 9.0 earthquakes all over the place.  Rising sea levels from the melting of the Ross ice shelf means no more Louisiana, Bangladesh, Tokyo, Netherlands or Florida.  Cities on low ground will be wiped off the face of the earth from rising seal levels.  Japanese cities are mostly below 20 feet in elevation.  No more Toyotas for us!!! Wars and rumors of wars are supposed to happen too.  Scientists, the Bible, and psychics are agreeing on a lot of what the scenario is supposed to be.  Prayer is the only reliable way to safeguard yourself.  Only god can save you and your notary public business — even if you don’t believe in god! 

 
It doesn’t seem to hit at the same place at the right time.
 One month we have an earthquake in one place, then Haiti has an earthquake, then there is a hurricane in another place, an earthquake in one country, and a revolution in another, a future earthquake in San Francisco, and so on and so on.  The damage will not come all at one date or in one place. So, far the world has had many disasters, but our notary public work and notary businesses are still in business!  The  world economy is still in business.  911 effected things more from the reaction that Americans had to the catastrophe, but the reaction made it 100 times worse. People didn’t want to fly anymore and many airlines went out of business and lots tons of cash for more than a year.

So, what is realistic?
Who knows.  I am not able to predict anything, but nothing surprises me either. If you are a signing agent, the problem is that the global and national economies effect you.  If China stops lending America money, then interest rates will go up and nobody will afford to buy properties.  Then notary public signing agents will be in big trouble.  But, what if wealthy Chinese people start coming to California and Oregon to buy up properties.  Then the price goes up so high that we can’t afford a house, but notaries will have work at least.  If there is a disaster and Florida goes under water due to global warming, many of them will go to Georgia and Texas, and the prices of real estate will go up in those other places which means more jobs for notaries.
 
What if things are fine where you are… but..
If you are sitting in Arizona and things are fine, but Los Angeles is hit with a 9.1 and New York City gets obliterated by a tsunami, then wall street will no longer exist and the whole nationwide lending market might actually have to shut down for a long time.
 
What do I suggest?
Save your money and keep 100 gallons of water, first aid equipment, and storable emergency food at home.  Have a crank radio, and boots too, because you might have to walk over power lines.  Keep the water rotated, so its always fresh, and put a few drops of bleach in it.  Keep cash hidden, and have money in the bank just in case.  You have no idea what could hit us, and for how long our cities, country, or world could be out of commission.
 
On a brighter side
Sorry, no notary public listings refunds if the end of the world comes before your renewal date. But, you might get to meet some cute green people from spaceships who come to rescue us.  And Jesus is scheduled to arrive on planet earth sometime soon according to revelation.  You might not be around to see him, but think how happy the others will be.
 
Think positively.
Don’t pay any attention to what I have written if you are in the notary pubic / notary business.

Don’t worry… be happy!

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March 3, 2011

Mobile Offices from A to Z

Filed under: Business Tips,Comprehensive Guides,e-Notarization & e-Signings,General Articles,Loan Signing 101,Ninja Theme Articles,Popular on Facebook (A little),Popular on Twitter 2011,Popular Overall 2011,Technical & Legal — Tags: , , , — admin @ 11:56 am

Mobile offices and their advantages
 
One of our notaries in Maryland commands higher prices for his loan signing services due to his expertise in signings and also because he has a mobile office which facilitates last minute notary jobs and last minute quick changes to documents.  This notary has state-of-the-art equipment that comprises his mobile office in his pickup truck.  He has a scanner, regular sized printer, laptop, extra toner, paper, a special inverter, cables, a powerful alternator, and extra heavy duty fuses.  His internet connection is courtesy of Verizon Wireless Broadband.  Additionally, he considers it really important to have a really powerful battery because the equipment puts a heavy load on the battery.  Another interesting fact is that he uses a police squad laptop holder so he can work comfortably while in the drivers seat.   He prints by putting the printer in the back seat.  His wires are directly wired to the car’s electrical system instead of using a plug in that would go in the cigarette lighter.
 
What are the technical issues of a mobile office?
This notary started his mobile office in 2004.  He has lots of experience with mobile offices and the issues related to them.  He claims that someone with a regular car might not have enough battery or alternator power to handle the load of a laser printer.   He used to blow fuses to do overload, but learned that buying top of the line heavy-duty fuses and having a state of the art alternator he could handle the demands of the job.  Our Maryland notary public learned that it was not technically feasable to run a printer and laptop simultaneously using his mobile office.  So, what he does is to put the laptop on battery only while printing documents
 
Printing
With a mobile office, a signing agent can download documents while you are driving.  Imagine the time you can save multi-tasking.  Our Maryland Notary Public uses a regular sized printer without any issues.  However, the printer gets hot, so a firewall is necessary.  He uses wood covered by velcro to make sure that no fires are created when he places the printer on a seat or on the floor. 
 
How does this help his business?
You can get more money for signings having a mobile office because you can do last minute quick prints of last minute documents.  Imagine that the lender has a quick change to the Settlement Statement or other critical document.  No problem, it can be reprinted at the signing.  What if there is a quick name variation change, or change for a critical figure in the loan.  Again, this is easy to printout at the last minute.  Many loans have to be completely rescheduled due to the notary’s lack of equipment, but not if you have a mobile office!
 
What does it cost?
You could spend $2000-$3000 for a mobile office.  The inverter is about $100 and thats critical for good electrical flow.  Scanners and printers a few hundred each.  The biggest expense is the laptop, and those can run anywhere from $500 to $2000 per unit.

Tweets:
(1) One of our notaries commands a higher fee simply because he has a sophisticated mobile office!
(2) Having a mobile office is perfect in the “unlikely” event that a lender sends you docs late when ur on the road.
(3) You could spend up to $3000 for a really good mobile office. Don’t forget to start w/an inverter!
 
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Erica’s mobile office story

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February 28, 2011

Florida notaries with complaints

Filed under: Florida Notary — Tags: , , , , , , — admin @ 2:14 am

Notary Public Florida: a complaint story
 
Here is a complaint from soneone who used a particular Florida notary:

“This is the first time we have used this Florida notary public for a closing. The Notary made a mistake on the documents where she had the borrower date everything 5/7/2011 instead of 7/5/2011 which was a notary mistake that ended up costing the broker $1000.00. Two weeks after the closing the notary called the title company directly demanding her payment of the full signing fee because she had bills to pay. She threatened to sue everyone involved with the transaction even though we were the company that hired her. This Notary was very unprofessional. The Notary was paid at 30 days by our company.”
 
The notary claims that the borrower signed the dates incorrectly and that she asked the borrowers to put the correct date, but they refused.  Then, the Florida notary claimed that the borrower wouldn’t sign where it said borrower, because she considered herself to be the co-borrower. Additionally, the notary claims that the borrower was very rude and condescending to her. The notary claims that she spent two hours at the signing and that the borrower couldn’t read the small print and wouldn’t cooperate. It is hard to know who is right or wrong here.  Was this a notary mistake or just the borrower acting crazy — or both?
 
The bigger issue is that the notary threatened to sue everyone before her payment was even late. It is professional to allow people 45 days to make payment before you start making legal threats.  Also, suing someone for $60 doesn’t really make sense in the real world.
 
Another Florida notary public wrote a complaint about 123notary.
The notary was late confirming her listing, and I called the notary to see if she was still alive and in business.  We have notaries move, quit, and end up in the hospital, and die all the time without even informing us. If I ever die, I will have the consideration to inform everyone within (5) business days. In any case, I called this Florida notary’s phone, and her message stated that she was no longer doing loan signings.   I assumed from this message that she was out of business as a mobile notary — boy was I wrong.  Rather than contacting me and politely informing me that she was still in business, she started slandering us on forums telling the world about the horrible crime that we had commited by temporarily removing her listing.    She created all types of drama over nothing.  I think that her MISLEADING phone message should have stated that she is still doing mobile notary work, but not doing loan signings.  That way, anyone calling her about work would have a clear impression that she was still in business. I hate being blamed for other people’s bad communication skills. People need to take responsibility for their own incompetent actions.  In any case, her listing went right back on the minute she asked me to reinstate her.  Unfortunately for her, I documented her zany behavior in the review section.  I stated that she committed no acts of misconduct, but created an unnecessary drama over nothing!  This case was  a business mistake on her part, not a notary mistake, but it is still ridiculous!

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California notaries with complaints
http://blog.123notary.com/?p=2485

I make mistakes too
http://blog.123notary.com/?p=3639

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February 20, 2011

Connecticut Acknowledgment wording

Filed under: (5) State specific — Tags: , , — admin @ 8:25 am

Below is the official Connecticut Acknowledgment Wording. The Notary must affix his/her stamp below the verbiage in this form to complete the notarial procedure.

State of Connecticut County of ______________ ss. (Town/City) On this the_____day of____________, 20____, before me, (name of notary) , the undersigned officer, personally appeared (name of individual or individuals), known to me (or satisfactorily proven) to be the person(s) whose name(s) (is or are) subscribed to the within instrument and acknowledged that (he, she or they) executed the same for the purposes therein contained. In witness whereof I hereunto set my hand. ______________________ Signature of Notary Public Date Commission Expires:_____________ ______________________ Printed Name of Notary

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January 31, 2011

Have you ever broken down on a busy street with no shoulder?

Filed under: General Stories — Tags: , — admin @ 12:21 am

This is a tip for mobile Notaries, pizza delivery people, and others who are on the road a lot. I am no longer a Notary Public, but I still drive a fair amount. I drove to the beach at night to enjoy the relaxing environment at Pacific Palisades. I do this once a week unless I am out of town or busy. The negative ions from the Pacific ocean are really theraputic and I always feel much better afterwards.

My plans were ruined
But, this time, I was going to rush to a bar to hang out with people and enjoy some root beer (sorry, no alcohol folks). I took Sunset Blvd to drive to West Hollywood to hang out at Genghis Cohen Chinse Restaurant & Bar in hopes of seeing old acquaintances. So, as I was driving down Sunset, my car lots all connection to the transmission and started making horrible noises when in gear. I pulled over in thick traffic and tried to figure out what was wrong. The engine sounded super in neutral. But, when in any gear I heard this noise that sounded like gears treading on gears making a drill type noise. Ugh. In any case, it sounded like I broke a timing belt or some other belt, or perhaps snapped a gear if that is possible. I am not a mechanic, so I am just making reasonable guesses based on the conditions.

Sunset Blvd goes far too fast
Sunset Blvd. is a street where people are going 30-50 miles per hour on a street with two lanes on each side, generally no shoulder, and lots of curves that impede visibility. It is easy to have a head on collision going around curves if there is another car next to you going the same direction and someone drunk on the other side coming at you. People in that area are always impatient and in a huge hurry. It is not uncommon to see deadly accidents in that part of town on hilly or windy roads because people go far too fast. Although the local houses are all worth more than a million, you are in a lot of danger in that area due to the culturally ingrained road rage.

No breakdown lane or shoulder
So, I was broken down. I tried to get into the right lane weaving through other cars with my blinkers on. I managed to get to the curb, but since the car stopped moving, I could not get as close as I wanted. My rear was about two feet from the curb and my front was six inches. Cars were whizzing around and came within inches of my car. The cars in the right land could not get into the left lane if there were other cars in it which made the situation very dangerous. I felt terrified as I decided to get out of the car and call AAA. The lady at AAA was very nice to me. They called the police and a tow truck. But, neither came for the longest time. The AAA lady said she would stay on the phone with me as long as I liked which was comforting.

Directing traffic.
I stood in the middle of the right lane pointing cars to slow down or stop and get in the other lane. But, they ignored me and almost ran me down and still almost crashed into my 2004 Corolla which I love. I didn’t want to get a new car because the transmission in the older cars is more agreeable than the seven speed in the newer Corollas which changes gears every three seconds which is really annoying. Then, I got a better idea. I got my military flashlight from the car. That way cars would see me from further away. But, since they were coming around a curve and then hitting a light before they saw me, they still ignored me. They still were coming within inches of hitting my precious old car that I love so dearly. Maybe I should have shined the light directly in their faces like some obnoxious lady cop was doing at the airport. It is the only way to get people to stop ignoring you. Great idea!

Security finally showed up
A security car that looked like a police car finally showed up. He had bright orange lights on the top of his vehicle that made my break down more visible. Ten minutes later my tow truck came. He was very experienced and got me loaded up within thirty seconds and sped away at break neck speeds. He got me into my parking spot at home beautifully as well. I told him how impressed I was, because backing up with a trailer is a skill.

Precautions
To all of you people who are on the road a lot, it might make sense to practice dealing with dangerous situations ahead of time so you don’t freak out. Here are some suggestions.

1. Practice changing a tire, and make sure your spare has air in it after sitting in your trunk for years. Inspect it regularly.

2. Know where your flares are. A flare can save you from getting hit.

3. Have a few flashlights in the car, and perhaps some batteries that fit them. I have a hiking head flashlight (miner style) and a military flashlight and a regular flashlight.

4. If you break down on a busy road, stand 200 feet behind the vehicle on the curb and tell the drivers to slow down and use a flashlight if you have one. Rehearse this in your mind ahead of time so you will be ready when you are frazzled.

5. Know where your AAA card is. If you don’t have Triple A, consider getting it because they are life savers and also you can get discounts on hotels, maps, and other services with AAA.

6. Know the schedule of your reliable repair people. I prefer Toyota, but I had bad luck with the new owners of downtown Toyota, so I will have to try a new branch. They are not normally open on Sundays, so that creates an issue because today is Sunday and I am broken down in my parking spot at home. Hmmm.

7. If you are in an unsafe or remote area, having a gun is not a bad idea. I would never carry one until the world goes to hell, but you might consider it.

8. Make sure your cell phone is charged up at all times because you never know when you are going to need it.

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January 30, 2011

A Tough Act to Follow

Filed under: Andy Cowan — Tags: , — admin @ 11:05 pm

1923 was a year that made history. President Warren G. Harding unexpectedly died in office, and Calvin Coolidge was sworn in as the thirtieth president by his father, John Calvin Coolidge, Sr.

The public hadn’t exactly been in love with Harding’s scandalous administration. And “Silent Cal,” as the new Prez came to be called, wasn’t exactly Mr. Excitement. But Cal’s old man? Now there was a significant figure. The first and last notary public to swear in the leader of the free world!

Notice I said last. Toss aside the fact there was concern over whether a state notary public had the power to administer the presidential oath of office, which is why Cal repeated the oath after he returned to Washington. For a “silent” guy, he sure liked to take oaths.

No, the real reason John Calvin Coolidge was the last of his kind: His ego exploded.

Recently released transcripts (not authenticated by a notary public, but don’t hold that against me) indicate John Calvin rubbed the noses of his fellow notary publics in his rarified accomplishment.

JCC: “How’s work treating you?”

Fellow notary public: “Fine.”

JCC: “That doesn’t sound too ‘fine’.”

Fellow notary public: “I certified a transaction today.”

JCC: “I swore in the President.”

Fellow notary public: “I swore in the shower. It involved your name and a blunt instrument.”

JCC: “Come again?”

Fellow notary public: “I know you swore in the President. You won’t let anyone forget you swore in the President!”

JCC: “How could anyone forget? It was unforgettable. I put my stamp on the book of history. You put yours on, what was it again?”

Fellow notary public: (mumbling) “A transaction.”

JCC: “Sorry, I forgot.”

Fellow notary public: “Why don’t you take a page from your silent son I’ll gladly certify, and shut your trap?”

JCC: “I don’t need your seal of approval, my little man. The President I raised and whose right hand I raised gave me his, or I wouldn’t have been chosen to raise it!”

KABOOM!

That wasn’t the fellow notary public’s weapon silencing his detractor. It was the sound of an exploding ego.

Andy Cowan is an award-winning writer, producer and performer, whose credits include “Cheers,” “Seinfeld” and “3rd Rock From the Sun.” He can be reached through his website, http://upanddownguys.com

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Notarize JUST the Name

Filed under: Ken Edelstein — Tags: , , , , — admin @ 12:22 pm

Notarize JUST the Name
We are all familiar with the two most common notary actions. The Jurat: “Sworn to and Subscribed…….”, and the Acknowledgement: “This instrument was Acknowledged before me…..”. I’m not going to cover the not so subtle differences between the two of them. What will be discussed is the expansion of the notary statement to include virtually anything.

I just shipped off an Edoc. I had to redact (no changes were made, no replacement text, just a thin line thru with my initials at the end of the line) some superfluous verbiage. Before I get into the details let me credit the source of “my” opinions. The office of the New York County Clerk has told me, quite strongly: “You notarize just the name as proven on the ID, nothing more”. What they are referring to are what I call “name attributes” and there are many. Not to be confused with name components (Jr. Sr. III, etc.) which were on the birth certificate. Name attributes, and there are many include: MD, PhD, DDS, etc.

Those name attributes are rarely a problem and they are usually not added to the name in the notary section. What is a problem are what I will call “name descriptors”, and they are becoming a growing problem. A Jurat in the edoc included “a resident of ”. How would I know where the person signing resides? It’s not for me to say (I know, that’s a song title too). This was in the (usually) simple Sample Signature document. Why? I can’t figure out any rationale for inclusion of residency information on that document.

The same package included, after the name, the phrase “a capable person”. Capable of what? Such a phrase could keep lawyers in discussion forever. This particular bit of foolishness was on the AKA statement. Of course no discussion of name descriptors would be complete with mention of the classic and most common one: the marital status. Before me appeared Suzy Snowflake, a single woman. Says who? Suzy of course. So why is it in MY statement? If Ms Snowflake wishes to make a statement that she is not married, I would be happy to notarize it. But, I certainly will not include her marital status in my statement.

Even if I were to be absolutely sure of her marital status it is improper for me to include it in my statement. But, one cannot prove their marital status – it’s impossible; think about it. The problem stems from some shoddy computer programming taking the “vesting name” from the mortgage (where marital status makes sense) and propagating it into other areas.

I have discussed the issue of name descriptors many times with foggy headed drones who feel that because it is preprinted I must live with it. Not so. The notary section IS the statement of the Notary Public and IS subject to change and or deletion. My licensing officials don’t allow it, and I am certainly not able to state someone is capable, married or where they reside. Sometimes it’s a tough judgment call. If the descriptor is “of legal age” I would have to know exactly where that phrase is applied. If they are under 21, it “might” matter in some states; and could also be document specific.

We want to process the document with little conflict, as raising “issues” often sours the client. To me it’s better to lose a client than receive a summons; and become a party to litigation. As a public official my words have, “authority”; and with that comes responsibility for accuracy.

.

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Notarizing John W Smith
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January 29, 2011

He stopped advertising with us because he got too much business?

Filed under: Advertising — admin @ 9:47 am

I rarely have situations like this. But, once in a while I call one of the more seasoned Notaries and they don’t want to advertise for various reasons. It takes a long time in this business to get so much business that you don’t need to advertise. Normally those people have been doing this at least fifteen years before they are in that type of situation. Yes folks, it does take a long time to get established as a Notary Public. I only was a signing agent for six years, so I never got fully established.

In any case, when I called this person, he said that he used to be a corporate executive vice president of a corporation. He quit his job to become a Notary Public. He got so much business from our site that he couldn’t advertise any more because he couldn’t handle all of the calls.

However, business dropped so much in the last year, that he wanted to continue advertising and I was able to sell him an upgrade. He still gets lots of work, but from people who don’t pay him enough and he wants to attract some higher paying clients. Don’t we all? In any case, it was nice to get such a serous and fun client back. But, I am amazed that in 2018 he is getting six or more jobs per day, almost every day?

If you want to know a good background for being a successful mobile notary, try being a vice president of a business. That will make you sharp on being business-like. He also gave me the oddest compliment. He liked that I spoke in complete sentences which made me start to wonder…. Do other people use partial sentences? Don’t know. Doesn’t matter. Never thought about that.

In any case, if you want to get too much business, advertise on 123notary. But… make sure you have reviews. Reviews are a magnet on any site to get more positive attention.

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Two notaries assigned the same job?

Filed under: Best Humorous Posts,Humorous Posts,Popular Overall 2011,Posts With Many Comments — Tags: , , , — admin @ 7:16 am

Two notaries assigned the same job?
 
There I was, a California notary public in Tustin, CA. I had driven down from Los Angeles to sign a loan for a nice couple in Orange County, California. We were signing away, when lo and behold:  The notary showed up.  He asked, “Who are you?”.  I then proclaimed, “I am the notary”.  Then, he said, “That’s impossible, I’m the notary!”.  “No you’re not!”.  “Yes I am”.  “Am NOT!”. “AM TOO!…”  Okay, let’s be honest, the “am not am too” part never happened.  I’m embelleshing this signing agent dialogue. The couple was just staring in confusion.  The wife was displaying the exact same mannerisms as a cat watching a dangling string.  He head rotated to the left and looked at me, then head rotated to the right and looked at the other notary, then back at me, and back at him…. Hmmm.  What is going on?
 
The Signing company hired two notaries?
How could they! After all of my hard work, they would have the gaul to… Oh… wait a minute, let me call them and straighten the whole thing out. 
 
Ring Ring…..
 
Me – Hello, may I speak to Mary please, this is Jeremy your California notary for the Anderson Signing in Tustin. 
Mary – Hi, this is Mary! 
Me – Hi, Mary, it seems that you hired two notaries for the same job. 
Mary – What? We would never do that
Me – Odd, because as we speak, there is another notary here.  Or, should I say, “A Notarial Triangle”
Mary – Hmmm… Let me call the Title company.
………… ten minutes later
Mary – I found out what happened
Me – Please do tell?
Mary – The title company hired two signing companies to handle this California notary job, and the OTHER signing company sent that OTHER California notary out.
Me – Mmmm.  So, which signing company was SUPPOSED to be responsible for the job.
Mary – We are.  The title company cancelled with the other signing company, but apparantly, they didn’t cancel with the notary.
Me – Oh, no they didn’t!!!
Mary – Oh, yes they did.
Me – This has never happened in my career to date.  And I hope it never happens again. Just make sure that I’m the one who gets paid, although the other one should get a travel fee, don’t you agree?
Mary – Thats between him and the OTHER signing company.
Me – I KNEW there had to be another signing company. I could just tell from the way he was looking at me.
 
So, jokes aside, the other notary left, we finished the signing.  Into the UPS box it went, and off I went on my merry way out of what we affectionally call, “The OC”, and back up the 5 Freeway, or is it the 405 — its been so long I can’t even remember, through Anaheim, Downey, Commerce, and back to Los Angeles where I logged in my transaction and faxed a bill to the signing company.
 
The End!

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