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April 12, 2021

10 things you need to know as a Signing Agent

Filed under: Best Practices — admin @ 7:28 am

Most people are confused when they begin their career as a Notary signing agent. They don’t know what they need to learn or do, or how to get clients. Those in the business for many years have the opposite problem. They think they know everything while they know very little — at least when I test them. Here is what I think Notaries should learn and how to learn it.

1. Be a good Notary. What does that entail?
You need to know the rules for each notary act and how to fill out forms. You also need to know how to administer Oaths correctly and few Notaries do this well or take it seriously. You can lose your commission if a judge finds out you didn’t give an Oath on any particular Affidavit, Jurat or sworn statement that you notarized. It is easy to learn how to do this, but few make it their business to know their job. Read your state’s notary manual regularly. You can also read blogs from NNA, 123notary or other Notary agencies. But, your state notary division is gospel, and the agencies are sometimes wrong — so treat their information as commentary. Keeping a journal is also imperative, because when you are in court, and 15% of serious Notaries end up before a judge sooner or later, your journal is your only evidence. The more thoroughly you keep your journal, the happier the judge will be with you. If you identify someone incorrectly or carelessly you might be empowering an imposter to steal a house from someone or commit fraud. We teach all of these points on our blog on Notary Public 101.

Summary of point 1.
Understanding All applicable Notary Acts, Identification procedures, Journal procedure, and Oaths are the bedrock of being a good Notary.

2. Understand The Right to Cancel
Residential owner occupied Refinances typically have a Right to Rescind document. Understanding how to date this document properly is not rocket science, but experienced Notaries flake and goof and get the dates wrong when I test them on a regular basis. It is not rocket sciencem, and no, the NASA website doesn’t cover this, it is a matter of counting to three and not counting Sundays or Federal Holidays.

3. Understand FAQ’s about loan signing.
When is my first payment due?
Where is my rate, APR?
Do I have a prepayment penalty and where is it?
Where are my closing costs and fees itemized?
Do I have to send a check or other documents not included in the package?
How long can I read my borrower’s copies before rescinding
How do I cancel my loan?

Many Notaries feel that they need to be experts at all of the documents. As a general rule, you should know the difference between the Correction Agreement LPOA and a Compliance Agreement, although there are so many variations in these documents that they are all different and you have to read each one — but, being familiar and knowledgeable about these document variations pays off as this is a FAQ that people are concerned about. Most loan signing courses go over this information and you should memorize this as people at signings will ask about it.

4. Understanding Reverse Mortgages, TRID, Helocs, Purchases, etc.
LSS’s course seems to do the best job teaching these types of loans (or documents) that are new in popularity over the last few years. Most signing courses were written ten or twenty years ago when Reverse Mortgages either didn’t exist or were not a popular item. Since as a Notary, you are not allowed to explain the terms of a person’s loan, but only allowed to help signers find information within the loan, it is NOT critical to understand these loans or documents, but make you look good if you did. So consider point four to be a plus, but not a necessity.

5. Explain or don’t explain
In our various blog courses we go over point by point what a Notary should explain or not explain. The 30 point course discusses this in detail. This is critical because otherwise you might get yourself in trouble talking about what you have no business of talking about. Or you might talk about something you know nothing about. Or, you might not answer a question which you should know the answer and express the answer about. Boy, this is complicated.

6. How to find new clients
There are many ways. We write about this in the marketing section of our blog, but you might have to scroll.

7. How to background screen clients
Not all clients are pleasant or pay on time. Use the 123notary or Notary Rotary forum to see which companies are worth working for. Please be informed that in the last two years there has been a drastic decline in forum commentary on our forum and on NotaryRotary’s, although theirs is much more well trafficked than ours. There is less quantity of reliable information about the various signing companies. But, still do your research.

8. How to collect from clients
Some people don’t pay on time, so you have to know how to keep records, how to bill people, and how to threaten them the right way if they keep you waiting for payment. We go over this in our courses.

9. Where to learn about general information
You should read the various blogs out there. NNA and 123notary have interesting blogs where you can learn and source information from antiquated entries on particular topics.

10. How to handle tricky situations
In Notary Public 101 we go over many sticky situations and explain how to think about them and how to handle them. Understanding this content makes you a more confident, trustworthy and safe Notary! It’s like a vaccine made out of knowledge!

Further Reading
As a general rule, I recommend getting certified by various entities, not just one. I recommend Notary Public 101 and the 30 Point Course in our blog as well as reading our blog articles about marketing and notarial issues in particular. LSS offers a very practical course that is more sensitive to what is going on in the industry now. Notary2Pro seems to churn out the best trained Notaries of any certification. 123notary has the hardest certification test and passing it will prove yourself better than the other certifications.

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March 20, 2021

If you do well on our email quizzes, will you do well on clicks?

Filed under: Certification & Communication Skills — admin @ 4:47 am

Number Crunching
Based on previous number crunching sessions, I learned that those who do well on our certification tests or email quizzes tend to do well in life and getting clicks, jobs, etc. Knowledge is power — and you must make sure never to misuse your power. Just kidding — you can misuse it. Just don’t do anything illegal.

20% More Clicks?
However! I decided to learn if any particular questions influence your fate more than other questions and I was blown away by what I found. I analyzed about 30 listings that had taken my email quiz. I learned that people who answered questions about how to ID a person correctly did a lot better on click results. Those who followed directions fared well too. Those who could give proper oaths got more clicks as well. With these questions, a single correctly answered question resulted in 20% more clicks — wow!

The Fedex Question
But, there was one question where you got more clicks by answering it wrong — what gives? It was my infamous drop the package question that most people to this day disagree with me about. Basically, if you almost finish a signing, but the signer refuses to sign a particular disclosure, you call your contact person, send texts, leave messages, etc., but don’t hear back from him, then what? How long do you wait to drop the package because of a single non-notary document that is sitting on the borrower’s table after you leave?

My Answer
My answer is that ideally you should wait 90 minutes from your initial message, and feel free to keep calling after that. Drop it, because if you don’t, you might forget to drop it, get sidetracked by another last minute job, get in an accident, or get caught up in something else. If you don’t drop it, chances are the docs will go back at least one day late and you will get in trouble. But, there is a one percent chance it will be two or more days late for a variety of reasons in which case you will be in big big trouble.

Most Notaries prefer to wait until right before pick up at Fedex and then drop the package or wait until they get a return call. If the Loan Officer is in the hospital, you might never get that return call, meanwhile the loan docs will be collecting dust in your car. These situations happen, although not that often

The irony is that those who answered this wrong according to my analysis, who held on to the documents got a lot more clicks as a result. But, why? I feel that these Notaries exhibited conscientiousness by waiting for instructions even though it was not in good judgement to do so. They exhibited caring and responsibility to do a wrong thing that seemed like a right thing. However, I feel that these Notaries did not think the situation through carefully and are more likely to get their clients in trouble in the long run.

It is my practice to elevate free listings higher on the list if they get high clicks, and then to lower their placement if they score poorly on my quizzes. It looks like this is the ideal question for those with high clicks who are a danger to the public who need their placement lowered.

My Question to Myself
My question to myself is — should I not ask questions that lower your clicks by answering them correctly, or ask more questions with the same attribute, or not care either way? After all, I am measuring the safety of the notary and not how popular they are by quizzing them so why should it matter? Hmm. A question to chew on.

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February 20, 2021

How dangerous is it to be a mobile notary?

Filed under: Business Tips — admin @ 4:14 am

How dangerous is it to be a mobile notary? We have written other blog articles on the topic. The answer is — not very dangerous. But, there are some dangers and the trick is to know how to safeguard yourself.

1. Neighborhoods
If you go to a bad area at night, that is mildly dangerous. You are more likely to get hit by a truck than have a problem in a bad neighborhood, but you know how people feel. Speaking of which, I actually got bumped by an 18 wheeler. No damage was done because the angels were protecting me — thanks angels! It was on a highway in stop and go traffic. I was stopped, but he took his foot off the brakes as he was daydreaming and bumped me at half a mile per hour.

2. Crazy people
The only serious issue we had with a notary was the one who was pushed down a short flight of stairs because the borrower didn’t like his APR. That was one Notary out of 65,000 we have listed in our history. So, the risk level is low, unless… someone doesn’t like their APR. Go over the stats by phone before you get to the signing. Also, if at a signing, make sure you either know your escape route, or make sure you are bigger than the other people there — or both.

3. Animals
You are more in danger from animals. Humans who can’t behave are already generally in prison. But, someone could have a crazy pet who bites you or chews on your clothing, or pees on your leg. It it happened to you, it would not be the first time. There was another story about a pit bull running wild in a neighborhood and a borrower came out of his house with his gun drawn when the notary came. He had to explain what happened to the notary who was going to protect himself by brandishing his embossing seal.

4. Accidents
Accidents are a fact of life, flat tires, breakdowns. People can die in accidents. We haven’t had any notaries die of accidents or anything other than cancer or old age, but it could happen.

5. Court Cases
Notaries don’t discuss this much on forums, but 1 in 7 long term notaries who is active has had to appear before a judge because of a notarization they did. There were two notaries in Oklahoma who lost their commission because they failed to administer an obligatory Oath to their clients for an Affidavit they notarized. They are lucky they didn’t get locked up. One notary in Sacramento committed identity fraud and got locked up. In total we have had two criminal Notaries who engaged in purposeful fraud and got locked up. Two out of 65,000 is not that bad, not to mention another who allegedly stole OxyCodene from a signer and was not arrested.

6. Covid19
No Notary has died of Covid19, or even gotten sick on the job as far as we know. They went overboard taking ridiculously over-kill type precautions that ruin the fun of notarizing. Many notarized outside or wearing suffocation inducing N-95 masks to be “safe.” How safe are you being if you can’t breathe? Others sat 10 feet away from the others or did notarizations on their trunk or in their car. Such insanity is just plain insane, but nobody got sick to our knowledge. In fact, only a handful of Notaries reported having been sick with Covid19 to us and they got better after a few weeks and didn’t have any serious symptoms other than losing their sense of taste. In those interior states, the food is so bland that losing your sense of taste won’t affect you that much.

7. Notaritus
I just made up this disease, it is not as bad as “Stamp Elbow” but is the next worst thing. It is an infectious disease that only Notaries get. I’m not sure what the symptoms are as this is an imaginary disease. I’ll think about it.

8. Getting sued for using someone’s business name
This almost happened to a client. But, the person who trademarked the name came after my server company which created a huge headache. I have no problem removing a business name from our site, but do you have to call in the national guard over such a small issue?

SUMMARY
So, what is the most dangerous of all the things that can happen to a Notary? I would say that the legal risks are a huge risk. Although if you are very cautious about how you do your work and avoid hospital signings you will lower your risk. Crazy people would be next as we have a serious injury recorded. I would then say that animals are the next most dangerous although they normally don’t kill you. Many Notaries feel “safe” because they are wearing an N-95 mask, but that only protects you 50% from a disease that hasn’t killed any Notaries known to us so far. But, it will not make you safe from court cases, animals, or crazy humans. So, let’s focus on real dangers and not ones that you have been brainwashed into believing are the only threats to your existence.

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February 8, 2021

What does it mean to “defend” the constitution.

Filed under: General Stories — admin @ 12:01 am

Police officers, Notaries Public, and other officers and employees of the state often have to take an Oath of Office. We normally swear to defend the constitution against all enemies, foreign and domestic at a minimum. California Police Officers also swear to defend the state constitution. They do NOT swear to defend the people, protect or serve however.

My questions are:

1. When was the last time you saw a Police Officer defend the constitution?
2. When was the last time you saw a Police Officer read the constitution?
3. What does it mean to “defend” the constitution?
4. As a Notary Public, you swore to defend the constitution, what situations do you encounter as a Notary where you need to defend the constitution?

“Don’t sign that contract of sale, that will violate the separations of powers clause in the constitution!!!”

As a Notary Public, you will not be in vocational situations where you need to defend the constitution. However, you need to make sure you ID people correctly and handle situations in a sensible way — and sensible doesn’t always seem sensible and might not occur to you without deep thought about various ways you could handle a situation.

Police Officers are capable of arresting people and deal with politicians regularly. If someone violates the constitution, they would most likely be a Mayor or Governor who makes an unconstitutional order. They might be a legislator who makes an unconstitutional law, or a judge who judges a situation in a way that is not consistent with the constitution. They could also be in charge of state infrastructure (like a school) and violate people’s right to free speech, assembly, dress code, etc. Law Enforcement Officers might also violate people’s first amendment rights.

Recently, we have seen people get arrested for going to the beach, going to the park, and kids were threatened by the park police for playing soccer during Covid19. Although kids don’t die of Covid-19 (more than one in a million), society has prevented them from going to school or even playing. People are not allowed to go to church in California because of Covid19. God doesn’t go on vacation during a plandemic (except perhaps to Cancun if the weather is good), why should churches?

PROTECTING THE CONSTITUTION
So, how can a cop protect the constitution rather than adopting a policy of being neutral and not making waves?

1. If you see someone attacking the constitution, lock the constitution up and put it in a lock box that is dry and safe.
2. If you see a governor violate the terms of the constitution or amendments thereof, inform him of what he did wrong and arrest him/her if they do it again.
3. If a law is unconstitutional, complain to the courts.
4. At a minimum, when there is a violation, make a phone call, send an email, or have a talk with an individual who can do something about it.

But, does protecting the constitution mean that you protect it once during your lifetime during one particular action such as an email that takes five minutes to write. “Dear sir, you violated the second amendment when you asked me for my gun, please refrain from such unconstitutional activities, otherwise we will be compelled to accuse you of treason.”

Or, does it mean taking at least one action every time there is an infraction of the constitution? Can you imagine if every cop or citizen in the USA would jump all over a politician in an executive role, legislator, or someone in the judicial branch every time they violated the constitution? They wouldn’t dare even think about doing it. That backlash would be even worse than the backlash from wearing shoes in an ashram in India!

In my opinion, protecting or defending the constitution means reading the constitution first. How can you defend something if you don’t know what it is? And then making a regular effort to defend the constitution against all enemies foreign and domestic, but more the domestic ones. Kim Jong-Un doesn’t seem to be violating the constitution much these days unless having a bad haircut undermines the 5th amendment and I don’t think it does.

IS IT TREASON OR PERJURY?
If you swore to defend the constitution and then violate people’s constitutional rights, to me in my lay person point of view you just committed perjury on your oath. You swore to do one thing and then did the opposite. Is it treason to violate the constitution in a big way? In my opinion it is as it compromises the moral and legal fabric of America, our home. Without rule of law and our traditions, we end up like Venezuela, China, or various African countries that turned to Marxism and destroyed the integrity of their countries and their economies. One could even argue that issuing an executive order that is unconstitutional is sedition as you are encouraging others to violate people’s rights and hence undermine the legal fabric of America which is very damaging.

So, think for yourself about what defending or protecting the constitution means. Now is the time to stand up and fight for freedom otherwise we might live in darkness for the foreseeable future. Take this seriously.

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January 27, 2021

Covid Karma — did you get any?

Filed under: General Stories — admin @ 10:52 am

What is Covid Karma? Is it more serious than the disease itself? Some things weren’t meant to be shared, but karma is always changed between the victim and the victimizer.

If you are afraid of a disease because it is a serious disease or because you have been brainwashed, you might be tempted to want to go around restricting other people’s rights. You might be tempted to support others in their undermining of other people’s rights.

If you force someone to wear a facemask, you violated someone’s liberty unless you can prove that person is an extreme risk to others. The one in one hundred chance that someone might be asymptomatic, does not constitute extreme risk contrary to what the covidiots might tell you.

This is the same stupidity as forbidding all people from driving whether you are a good driver or not, because what if you crash into another car, and that car goes out of control and kills grandma. Yes it could happen, but it doesn’t constitute a risk any more than regular wear and tear.

Putting people out of business is very heavy karma. You might ruin their retirement, or leave them out in the street for the rest of their life all in the name of “safety.” Doesn’t sound very safe to me.

But who is involved in all of this karma? Governors, mayors, judges who sit and watch without putting a stop to this unconstitutional nonsense, the health department, and more. But, what about the Sheriffs who sit and watch when they swore an Oath to protect the constitution from all enemies foreign and domestic? What about members of the public that support policies that ruin people’s lives. What terrible karmic fate do these people deserve?

Do they deserve to go to hell, reincarnate in a communist country, or end up penniless on the street? I am not the boss of this type of thing so I cannot answer. But if you support someone else’s demise who didn’t do you any harm, you will get some sort of karmic retribution — so… beware…….

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December 26, 2020

Squirrel Becomes Notary Public?

Filed under: Ken Edelstein — admin @ 12:47 pm

Not really, but in the “second time” redo of failed to fund packages; affiants have more than once told me a squirrel could have done a better job. Why is this? It’s not that the notaries don’t know how to notarize; they have problems with related responsibilities. By analogy, becoming a parent involves a relatively simple procedure. Being a good parent is much more complicated.

[She] / He who has imagination without learning, has wings and no feet. — Joseph Joubert
Substitute “Notary Commission” for “imagination” – that describes the situation for many. It’s not difficult to deliver perfection. It does take dedication and an intense desire for the “self gratification” that comes from delivering personal best. When you complete that assignment does it make you feel really good? It should. Knowing that no one, yes, no one could have done a better job should give the Notary a feeling of Pride, and “inner glow” of self satisfaction.

Learning can’t replace experience; but the reverse is also true. In addition to the basic Notary functions (ID check, Jurat/Acknowledgement, Oath, Stamp, Emboss) there is much knowledge to be acquired. Many simply don’t know how to communicate efficiently; neither giving nor receiving accurate and appropriate information succinctly. If you answer the phone with an all too often “hello”; the caller needs to ask “who is this”. Better would be “Good Afternoon, my name is Sally; how may I help you”. Do you need to send 3 emails because you did not ask all the questions in your first? Rest assured the “other side” is forming the “klutz” image of you.

You should have business cards, they are cheap enough. It’s a good practice to “sign your work” by placing your card at the top of the pile. Affix it with a binder clip, never just shove loose pages into a shipping envelope. Then, if someone has a question it’s easy for them to reach you. And, they have your “advertisement” so they know how to reach you for the next assignment. Try to always use stiff cardboard shipping envelopes, not the floppy ones.

Sometimes you win, sometimes you lose. My assignment tomorrow is for a loan package with both husband and wife signing. She is bedridden – they will make the process very slow. I will bring a clipboard for husband to bring pages; one at a time, to wife for her signatures and initials. Not knowing for sure the ailment; I will keep away, but be sure to actually witness the fact that she did indeed sign where necessary. It will probably take quite some time as she is a co-borrower and signs almost all pages. Some are easy, some are hard. Last week I had a 9 page job for my standard fee; it took 5 minutes. It averages out. Don’t develop an attitude when things go slowly – like the classic sign in the coffee shop: Don’t complain about the coffee, someday you too will be old and weak. With an eye to self preservation by avoiding sickness – we can and should do everything possible to accommodate those “less fit” than ourselves.

Lastly, be of good cheer. Nobody likes to work with a sourpuss. A smile and a few kind words will help the process go smoothly, for all concerned. Most people will “reflect” the way you act in their behavior to you, so be pleasant in the face of difficult situations. When you handle that “tough” one – detail what you did when asking for a review; you will often receiving a glowing one!

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December 1, 2020

The constitution has been violated by Governors and others

Filed under: General Stories — admin @ 7:28 am

Many of us with public offices such as Notary Public, Police, Judges, and others have sworn an Oath of Office to protect the constitution against all enemies foreign and domestic. The exact wording of your Oath varies by profession, state, and varies over time. But, the concept is similar. You do not sit and watch while our constitution is being violated — you stand up and do something. But, do what? Use your imagination. Protest, write letters, make phone calls to critical people – make some noise damn it!

The constitution and its amendments are the bedrock and foundation of our society. If people can violate it with reckless abandon for light and transient causes such as diseases that only kill people in nursing homes or due to temporary riots, then the governors can get away with anything — and in 2020 they did.

It is December, 2020 when I am writing this article. State officials are beginning to speak more frequently about the constitution. Rudy Giuliani made several lawsuits involving states concerning the legitimacy of votes which included some constitutional issues. The Texas Secretary of State sued a few states that violated constitutional procedure for making changes in voting rules. And more Sheriffs (in CA & NY for example) and regular people are beginning to stand up more and more and protest how their rights have been taken away from them.

What specific violations can be sourced?

1. Liberty & Masks
Liberty is described as an unalienable right by the Declaration of Independence and the Constitution of the State of California. Liberty is also a right in the Constitution that can only be taken from you by due process. Is forcing a healthy person to wear a mask or socially distance liberty?

Liberty I would define as the ability to do what you like unless you create extreme danger or discomfort to others. A healthy person not wearing a mask poses no more danger to others than a safe driver on the road poses. Sure there might be an accident, but the risk is a small and reasonable risk. A driver who has a record of driving recklessly would pose a significant risk. And we need to differentiate between reasonable risk and unreasonable risk — but, due to our paranoia of Covid-19, our brains no longer function rationally.

2. The First Amendment: The Right to Assemble
The right to assemble on personal property, business property, and public property such as parks, beaches, hiking trails, etc., has been abridged in many states by the respective Governors. Many were denied their right to run their business or have as many clients as they wanted in their building. Restaurants couldn’t provide inside dining either for months on end which created financial devastation to many.

3. The First Amendment: Religious Rights
Our rights to practice our religions have been violated. In many states the Governors have made it illegal to congregate in a religious building such as a church, mosque, or synagogue. Additionally, there was hypocrisy in enforcement as violent rioters were allowed to congregate in mass and damage businesses. Executive orders must be even handed across the board, so if 100 rioters can assemble to riot, therefore 100 church goers should have the same right. On the other hand, the constitution doesn’t allow any abridgement of our rights. I consider it to be treason for a member of the government to willfully violate our constitutional rights.

4. The Second Amendment: Gun Rights
Several states wanted to abridge gun rights or take guns away from members of the public. The constitution doesn’t state that the government can do such a thing. Members of the public have the right to bear firearms — it doesn’t say which type they can have or can’t have or under what conditions. It just says we can have them.

5. Constitution Main Body: Changing voting rules
Several states decided to change their voting protocol to include mail in ballots which is a contested issue. During previous years the Democrats complained about fraud involving mail-in ballot, and now the Republicans are complaining more. It is hard to verify someone’s identity or whether or not they are living or a state resident with mail-in ballots. Most Republicans claim that was the whole point — to defraud an election and defeat Trump. But, the legislation of the respective states must be the party to decide what voting procedures are and not other parties of the executive or judicial branch who “take over,” at least temporarily.

6. Freedom of Press
Although the government did not abridge our rights to free expression in any way I am aware of, the government was sluggish to crack down on utility companies such as large internet and social media outfits who routinely censor and suppress the commentary particularly of more traditional or conservative voices. If we are to live in a country with freedom and where all voices are heard, you cannot let companies censor those who they allow free commentary unless they are publishers. I also believe that if Twitter and Facebook wish to be publishers, there should be a completely different rulebook for them to play by and they should not allow their members to post freely at all. Social media should be distinguished from publishing and Twitter and Facebook need to decide if they want free press or whether they want to have designated writers. Having both simultaneously on a rocking boat doesn’t seem to work beneficially to the public.

7. A dysfunctional system of checks and balances
Governors of states in 2020 could get away with anything with little if any consequences. The people did not stand up with any force against the government — not even in Michigan where there were mini uprisings and a kidnapping attempt which never amounted to anything. From my limited knowledge of how America works, it seems that the court systems in the various states have the power to shut down a governor’s powers if he or she abuses them. However, only Wisconsin was able to stop their governor from making arbitrary Covid-19 related orders. The other states either did nothing, made a feeble and failed attempt to curtail the governor’s actions, or in the case of California only limited Newsom’s ability to make executive orders that contradicted existing legislation, but did NOT prevent him from shutting indoor dining, or preventing free assembly or freedom of religion.

California’s freedom of religion was decided by a Federal circuit court many months ago who decided that going to church would be suicide, and therefore that the constitution no longer applies and that the constitution has a “pause” button that can be pressed at arbitrary times. When I read the constitution and the various amendments, I erroneously missed the part where the pause button is described. Perhaps I should read more carefully.

Notaries also swore to protect the constitution in their Oath of Office, so it behooves you to do something to defend it. Write a letter, make a phone call, write an article, demonstrate publically — do something.

SUMMARY
The Constitution is a document — a piece of paper. It is the foundation of our society. However, without enforcement, (and we the people are part of the mechanism that can enforce it or pressure others to enforce it) — it remains a meaningless, helpless and worthless piece of paper. If you value America, the country that gave your ancestors life, freedom, liberty, safety, opportunity, and the right to pursue happiness, then get off your rear end and defend this document with your life if necessary otherwise our republic is done — perhaps permanently! We would be done due to the economic catastrophe of unconstitutional shutdowns as well as the government corruption which undermines the character of our nation.

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November 30, 2020

What do people like about being a mobile notary?

Filed under: General Articles — admin @ 5:59 am

There are many reasons why someone would become a mobile notary. There are also other reasons why a person might continue to be a mobile notary. Here are a few.

1. Work your own hours
Are you tired of the 9-5 hussle and hassle? Working your own hours is great. You can also do other gigs between notary jobs, or take other gigs when there normally aren’t any notary jobs. You can also work a part time or full time job and keep doing signings.

2. Drive
Some people were born to be on the road (again). If you love to drive, being a mobile notary will keep you busy. You can work on the road, eat on the road, and just remember not to sleep on the road as that might be dangerous.

3. Meet new people and then notarize them
It is like being in the armed forces. Go to foreign countries, meet new people and then kill them. Instead of killing them, you notarize them — it’s the next best thing — trust me. You will meet people from all walks of life. You will know every end of the spectrum of middle class (boring) as well. Just like a snobby British upper class lady once said, “A marriage made in middle-class — how pedantic.” And then the sarcastic New Yorker said, “She could have done worse.” So take your pick. You can also meet criminals, kidnappers, arsonists, frauds, strippers, porn actresses and more. But, for the most part you will meet very “pedestrian” middle-class Americans who are so boring that you should have a cup of Joe before the signing to ensure you don’t fall asleep. On the other hand if boring is your thing — you will meet the right demographic. On a brighter note, if you live near a fun town like Santa Monica or Hollywood, you might meet more fun people.

4. Deter fraud
It brings meaning to my life to be part of reducing the amount of fraud in this world. Fraud creates uncertainty and suffering and the angels would prefer that we keep our world clean and orderly and that is why I believe they chose me to run this directory as I try to keep things ship shape. Notaries who are thorough make it very hard for frauds to get away with anything. Using that raised seal embosser on every page of every document you notarize, checking ID’s carefully and thumb printing makes it hard to do anything suspicious.

5. Reading our blog
Some Notaries like being a notary just so they have a legitimate excuse to read our zany blog. Yes, the comedy articles on the blog make the whole nightmare of being a mobile notary all worth it in the end. Laugh your way to success.

6. Money
Believe it or not, some people make good money in this profession, or at least used to. And others make a good supplement to their income too. If you are efficient allocating your time, you can make good money at least on an hourly basis. You should see what Carmen rakes in for very quick jobs taking less than an hour from door to door.

7. Retirement
Being a mobile notary is a great way to spend your retirement. It is hard to work full-time as an elderly person, but as a notary you can work as much as you feel up to it.

8. A good job after you have been in Mortgage
If you were in Mortgage for years, being a mobile notary is a natural continuation as your knowledge will carry over to a particular extent as a notary.

9. Stamping
Some people find it theraputic to stamp things, and as a notary, that is what you do every day. It might make you feel official.

10. Reading up on legal aspects
Being a Notary means you have to read up on the legal aspect of being a Notary Public. You need to know all of the identification procedures and all of the various notary acts. There is a lot to know and many people enjoy learning the legal distinctions. And then there are others who are so afraid to commit UPL that they fail to learn Notary law themselves and end up committing crimes out of ignorance on a daily basis. You might like giving Oaths too — I swear! Hmmm.

So that concludes my little article on why you might like being a mobile notary. I hope that you all now see the positives in your career and don’t regret being in this profession.

You might also like:

Certain things you don’t learn from experience
http://blog.123notary.com/?p=22572

Is prioritizing a skill a notary should have?
http://blog.123notary.com/?p=22291

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

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November 27, 2020

10 reasons to get 123notary certified

Filed under: Certification & Communication Skills — admin @ 7:02 am

Back in 2004 to 2012, many people wanted to get 123notary certified and studied hard to get this designation. In the last few years, we retested our certified members and found that the overall skill level of people on our site had declined a lot and that most people were not willing to study. This is a huge mistake. Title and signing companies care about experience above any other qualification. However, they still reward people for knowledge and the clicks and jobs dispatched prove my point. If you want to have an edge over the other Notaries, 123notary certification is one of the most effective investments of your time — the other two being reviews, a stellar notes section and accumulating mass amounts of experience the old fashioned way. Below are some significant benefits for 123notary.com certification.

1. Get more clicks (but, not on route 66)
123notary certification currently gets Notaries an average of about 30% more clicks to their listing. It is one major factor of several that determines whether or not your listing will even get looked at. More clicks typically translates into more jobs, however, this relationship is not directly proportional. 30% more clicks in real life would translate into 40-50% more jobs. Many people will click once on your listing during a query. But, if they give you extra clicks, that means they are strongly considering hiring you which is why the click to job ration is disproportional and in your favor.

2. Get more jobs from Title
One Notary wrote to me after he failed his certification retest audit. He said that calls from title dropped altogether the minute I took his certification icon away from him. This is not true for all Notaries, but was his case which is why he studied many hours to pass the scrutiny of my questioning. People who work for title want solid Notaries, and they look at a number of factors including certification — and for God’s sake, please don’t have any spelling mistakes in your notes section on your listing or you can expect your phone to be dead.

3. Feel more confident about yourself
Many Notaries who master our materials like the fact that they know what they are doing. At the risk of sounding more like a deodorent commercial — many signing agents have told me that the feel happier and more confident talking to title and going to signings. Yes, they spend many grueling hours studying for our test, but they feel it was worth it and I respect their diligence.

4. Be one step closer to elite certification
You cannot just become elite certified at 123notary. You need to have a solid understanding of Notary procedure and vocabulary as well as a 123notary basic certification. Certification brings you one step closer to being ready to study for the elite test which is very different material and much more obscure.

5. 123notary certification is sought after by particular companies
I have gotten correspondence from Notaries who claim that 123notary certification is informally recognized by 1st American Title among others.

6. You will be a safer Notary
Many Notaries put themselves at legal risk because they do not know the legal significance of how they handle situations. Not keeping your journal correctly could end you up in trouble with the FBI or a Judge in court. Not keeping thumbprints could get you named as a suspect in an investigation as it looks like a cover up. Doing cross-outs when it is not necessary can get you in trouble with certain county recorders or Lenders. Knowing what you can do, and knowing what you can do that is prudent are two different questions. Learn how to please your client without creating liability for yourself by mastering our Notary materials. We have written blog articles where Notaries have gotten into legal trouble and had to pay up to $20,000 to defend themselves when they were innocent. Imagine how much easier it would be if you kept proper records and acted prudently at all steps along the way.

7. Multiple certifications make you look serious
As someone who deals with Notaries all day long, I can attest to the fact that I have a higher level of respect for Notaries who have three or more certifications. Those who just get the NNA certification and say, “That is all I need.” seem like underachievers to me. I have a higher opinion of those who took notary2pro, NNA, and 123notary certification, or Loan Signing System. When I was a Notary I got certified by five organizations to give you an example of someone who takes this business seriously.

8. Make $8 more per signing.
We did a poll many years ago and learned that our 123notary certified members average income made per signing (according to their claims after a mass email was sent asking them how much their average signing netted) was $8 higher than people not certified by 123notary. Elite members made $14 more per signing. Making more income per signing means that after expenses, you will be making a lot more per year. The extra income could add up to $5000 to $10000 extra per year for a busy Notary which might be $200,000 in their lifetime. It only takes ten hours to do a good job studying for our test. Is your ten hours worth $200,000? That’s $20,000 per hour. What else can you do that is worth that much even if you do brain surgery (or are a hitman) on the side?

9. Get perks from 123notary!
If we notice you are 123notary certified, you would be more likely to get opportunities for free or paid upgrades that the others might be overlooked for. Stop being overlooked and get certified today! If you are late paying your bill, we might give you a little longer grace period. And in general we will value you more because you represent knowledge, quality, and come across as being a serious Notary. Over all you will get better treatment from 123notary if you pass our test.

10. Be more fluent explaining things to borrowers
In real life there are certain things you can and should explain to the borrowers while there are others that you should refer them to a professional about. If you pass our test you will know where to find the prepayment penalty, how to explain the APR, what is on the HUD or CD, and when their first payment is due. You will have this information memorized. You will know that a signer can legally presign an Acknowledgment (in most states) whether the Lender “prefers” that or not and how to administer an Oath without falling on your face. You will be more professional and smooth in all of your transactions.

SUMMARY
Certification will help you get more clicks, get more work, make more per signing, be smarter, feel better, be a smoother Notary, and get on the good side of 123notary. It only costs a few hours of study and a small fee, so the only thing holding you back is lethargy. Get off your assets and get 123notary certified today!

You might also like:

Compilation of posts about certification & elite certification
http://blog.123notary.com/?p=16264

123notary’s comprehensive guide to getting reviews
http://blog.123notary.com/?p=16290

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

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

The lady who studied 30 hours for her elite test
http://blog.123notary.com/?p=21238

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November 24, 2020

Notary IQ Test: 123notary is to Snapdocs what…

Here is yet another Notary IQ test to test your Notary knowledge and thinking skills.

1. A Jurat is a Notary act that:
a. Has to be sworn to.
b. Has to be signed in front of the notary and sworn/affirmed to as opposed to an Acknowledgment which doesn’t have to be signed in front of the notary.
c. Has to be affirmed to. It is bad to ask people to swear as that might offend certain people.
d. Requires a Jurat certificate and an Oath or Affirmation.

2. Acknowledgment is to Jurat what:
a. A pre-fab home is — to a home that is built on site.
b. A chicken that has an egg inside it and then lays it — to a stork that brings your baby.
c. An Oath — to an Affirmation
d. A venue — to a certificate.

3. An Oath is to an Affirmation what:
a. Traditional is to politically correct.
b. God is to your personal honor
c. A New Yorker says in traffic to what a Millennial in California says at a formal appointment of office.
d. Choosing God to Choosing your diety of choice (pick option 4 for Lord Krishna).

4. A Mobile Notary is one that
a. Lives in Mobile Alabama
b. Used to live in Mobile Alabama
c. Travels to jobs
d. Charges a travel fee.
e. Prefers to book jobs at Starbucks… his “office” so he can have mocha-java while waiting for clients to show up. Sounds like the modern day Fonz having an “office.”

5. 123notary is to Snapdocs what
a. Source of information about real Notaries — to source of information about sad excuse for Notaries.
b. Directory is to Portal
c. Old school vs. High Tech
d. Public reviews vs. Thumbs up or thumbs down.
BTW, I just had a glass of 14 hands Merlot at a restaurant. The waiter asked me how I liked it and I said, “14 thumbs up, but not necessarily from the same seven hands.”

6. NNA is to 123notary what
a. One stop shopping is to advertising and signing agent training
b. Conferences are to blog articles and phone sessions with Carmen
c. A good source for ammunition is to a good source of higher paying Notary leads. (or am I confusing them with the NRA? — sorry, old joke.)
d. A big company where you don’t get to know the staff personally vs. a small company where everybody knows Jeremy & Carmen, but not Raymond.

7. The additional / optional information section on an Acknowledgment is critical because
a. It is good to show you are thorough
b. Jeremy says so
c. You can identify the document in multiple facets on the certificate so that it would be obvious if the certificate were swapped out to a different document.
4. To prevent someone from using the certificate on another document.

8. The most effective use of an embosser would be
a. To create a raised impression on all pages of every document you notarized to detect page swapping after the fact. Also, to prevent page swapping onto other documents that were not notarized by you.
b. To create a really large Oreo cookie.
c. To look hype when you arrive at a notary appointment — check out my embosser yo! Stainless!
d. You could use it as a weapon in case the signer tries to attack you — hey, it happens.

That is all for today students. I hope you enjoy our quiz. You can discuss potential answers in the comments or read Notary Public 101 to learn how I would answer some of these.

You might also like:

Testing Carmen on a bridge in 2003
http://blog.123notary.com/?p=21264

The lady who studied 30 hours for her elite test
http://blog.123notary.com/?p=21238

Notary Aptitude Test
http://blog.123notary.com/?p=15853

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