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May 10, 2021

The squeamish Notary

Filed under: Virtual Comedy Themes — admin @ 11:13 am

ME: Are you amish?
NOTARY: No, Im squeamish
ME: Close enough!

Here is a scene with a Notary based on a guy I met who ran an acupuncture clinic. He wanted only two people in his office at a time, and when a third person came in, he flinched. It was a large office too. What that guy didn’t understand was that the germs from the previous people were still in the air regardless of how many people were there now.

ME: Hi Mr. Notary, do you think you could notarize this for me.

NOTARY: Sure, just sign my journal. Oh, I love your mask.

ME: I think I’ve been in Los Angeles too long. Okay…

NOTARY: Ohhhh, you just came five feet and eight inches from me. We just violated social distancing for a whole second.

ME: Terribly sorry. Perhaps you should report us to Anthony Fauci so we can be reprimanded. It’s no big deal… Oh… Oh… (I fall on the floor and start having convulsions. then play dead, and then abruptly stand up and say) “Just kidding!”

NOTARY: That wasn’t funny. I could have given Covid to you and then you might give Covid to your Grandmother and she could die.

ME: I’ll let grandma figure out how to take care of herself. She has free will by the way. I don’t have a grandma.

NOTARY: Oh no, you touched my journal and I just touched my journal.

ME: Time to wash your hands for 20 seconds. The way I do it is to pretend that I put my hand in the toilet and wash accordingly.

NOTARY: You put your hand in the toilet?

ME: I said pretend. Here is my ID. I touched it..

NOTARY: Oh no, I have to wash my hands again… Please excuse me for the third time.

ME: Okay. And make sure you wash for a full 20 seconds again. I’ll count to make sure.

NOTARY: Okay, I’m back and I am going to stamp the documents.

ME: With wet hands, over my dead body.

NOTARY: I’ll stay at least six feet from your dead body, even if it is six feet under.

ME: Please dry your hands thoroughly, this is a recorded document. Wet hands, wet hands, oh my God wet hands.

NOTARY: Covid, Covid, oh my God Covid. We’re all going to die.

ME: The vaccine is more likely to kill you than Covid.

NOTARY: How can you say that?

ME: You don’t know what people’s motivations are. Some mad scientist created Covid to kill people. Another mad scientist in the same group created a vaccine to… fill in the blanks.

NOTARY: Oh my God. What if you are right? Vaccine, Vaccine, oh my God Vaccine. I’ve just been reverse brainwashed. You’re a lot faster than the media which took two months to fully brainwash me into N15 masks, the six foot rule, shut downs, and more.

ME: Let me inspect your hands and see if they are dry. Touch this blank document with all of your fingers and do a sample signature so I can see if it is dry. By the way, if I sneeze, or if my germs are in the air, they can go a lot farther than six feet. They can impregnate the entire house.

NOTARY: You’re scaring me. Did you touch the paper?

ME: Not yet.

NOTARY: Okay, here you go. Thanks. Elbow bump… let’s skip that.

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May 1, 2021

Precautions as a notary are like wearing your seat belt

Filed under: Best Practices — admin @ 6:28 am

One out of seven seasoned Notaries I talked to has ended up in court at least once. Generally this happens because of something outside of the Notary’s control. Fraud, theft, or someone taking advantage of a confused elder are the main reasons for court cases.

Notaries who have never been to court think it will never happen to them. It is like car accidents. Bad ones do not happen much, but when they do, if you are not wearing a seatbelt and/or don’t have good airbags, you might be in big trouble. Just because it hasn’t happened yet, doesn’t mean it won’t happen tomorrow, or in twenty years. So, take precautions. Think of these as wearing a facemask if that makes it more relatable.

If a signer is senile, elderly, in a hospital or nursing home, make sure you can identify they correctly and that they can explain to you what they are signing. Don’t ask yes or no questions as they will say yes to anything and are probably on morphine and not all there. If they go over the document point by point, then they know what they are signing today. They might not remember a year from now though, and that is dangerous for you if it goes to court.

Your journal is your only evidence, so if you say, “My state doesn’t require a journal” you are a fool. The state might not require it, but a judge or investigator needs the journal as that is your only evidence of what actually happened.

PRECAUTIONS
1. Make sure the name on the ID proves the name on the document. Don’t use the “you can have more but not less” rule, because notaries always forget which document you can have more on – the ID or the document. So, remember my rule. “The name on the ID must prove the name on the document.” The ID name can be matching but longer, or matching and identical to prove the name.

2. Take a thumbprint unless your state forbids it. I personally might take a thumbprint anyway in Texas because the state forbids selling or distributing that information and not taking it — and that is your only hard evidence of the identity of the signer. Fake ID’s abound, but fake thumbprints do not.

3. In the “Additional Notes” section of your journal write down about the situation, the mental state of the signer, who else is there, and that the signer explained the document to you. This could save your rear if you go to court three years later because you will not remember what happened off the top of your head. Write down anything else noteworthy about the situation to job your memory when investigated.

4. Decline jobs that are too sketchy or if you are unsure that the signer knows what is going on.

5. Have the signer verify who the other people are with them if they are elderly. Sometimes they are not related and sometimes they are scamming the signer.

6. Make sure you know how to give Oaths correctly. You could lose your commission if a judge finds out otherwise.

SUMMARY
I was investigated 3 times, but had my paperwork and thumbprints in order. It took me minutes to query jobs done a year or so ago since I had a stack of journals all in chronological order. I always identified people correctly and took notes in my journal for credible witnesses and other pertinent facts. Be sure to do the same, or even more. If you do everything correctly, you still might end up in court, but it will be a shorter case as you have more compelling evidence as to what happened — especially the thumbprint which is your only hardcoded proof of identity.

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April 29, 2021

A Notary notarizes the My Pillow Guy

Filed under: General Stories — admin @ 6:08 am

NOTARY: Hello Mike, how is everything?

MIKE: It’s been rough. People are cancelling me left and right because of my political beliefs. It’s like living in a communist country.

NOTARY: Well, I’m not going to cancel you. May I see some ID?

MIKE: Here you go.

NOTARY: Let’s see, you want to be notarized as Michael J Lindell, but your ID says only Michael Lindell. Sorry… I’m canceling you based on your ID, but not your political views.

MIKE: It has the J there. Time to see an eye doctor.

NOTARY: I just don’t like the way people cut you off, and without any type of landing pad. There was no cushion to your landing. And all because of your PILLOW-tical views.

MIKE: It’s because the pillow guy is “in bed” with the enemy, at least from their point of view. On the other hand, maybe the cancellers got up on the wrong side of the bed.

NOTARY: For them, every side of the bed is the wrong side.

MIKE: I’ll sign to that!

NOTARY: Well maybe you should resolve your issues with the left by having a pillow fight. By the way. I just love how you get all excited over something so mundane as a pillow. You get as excited about pillows as I get just thinking about my future trip to Japan where I will do sake tasting, see amazing parts of Tokyo with the most unique shopping on the planet, and see Buddhist temples in Kyoto.

MIKE: You’re right. I guess I’m a bit eccentric. But, that Egyptian cotton is something else.

NOTARY: I bet Amazon probably cut you off. They have become a bunch of Piranhas in the last few years which is an interesting insight. I guess their business name has a lot of metaphysical impact on their character.

MIKE: Hmm. Very interesting. I never thought of that. So, what does my business name make me — a big softy?

NOTARY: Actually, you kind of act like that… I think you are correct in your assertation. (pause) Please sign here. (pause) According to Judaism, your name is very important. The most famous story in the Torah is when Rachel’s son Benoni’s name was changed to Benjamin. From: son of my sorrows to: son of my right hand. Rachel had to change the boy’s name otherwise he would attract a negative and sorrowful future. But, you are named after an angel, so I guess you are on the right track. And I think angels like pillows.

MIKE: I should order some new wings from Amazon assuming I’m not banned from there. I should get a warranty on angelic wings too if I get some. Angel wings, not teriyaki wings — just wanted to clarify that.

NOTARY: Can you sign the journal? Uh-huh…. Okay. I’m going to stamp the document. You are good to go. Your new pillow contract is good now — REST ASSURED.

MIKE: Another pillow reference.

NOTARY: Have you ever thought of making coffins too? Dead people like to be comfortable too — I’ve heard.

MIKE: I would like to create a coffin for dead people who vote by mail who need to get in and out of that coffin and go to the post office. There’s a big market for those folks, at least as of 2020.

NOTARY: Good point.How about a briefcase with a very soft exterior, or a Notary journal with a very soft cover?

MIKE: Not much of a market for that, but sounds like a great idea. Well thanks for the Affidavit, do I need to swear to anything?

NOTARY: Your notarization was an Acknowledgment and doesn’t include an Oath. But, I am so good with Oaths, I can give them in my sleep… I swear it!

MIKE: Uh…. another pillow reference. I saw that one coming. Okay, it was fun. Let’s hope that this cancel culture ends soon.

NOTARY: And if it doesn’t, you can suffocate it with one of your products.

MIKE: Another one. That one I didn’t see coming!

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April 20, 2021

Last minute notary questions? Who do you call?

Filed under: Business Tips — admin @ 8:13 am

I have to keep reading online to see what is going on in the industry. When I was a Notary (young man) the NNA had a great hotline. I am not sure if they kept it continuously, but they still have it now.

They are great at answering state specific technical questions and train their staff well. Go to the NNA’s website and find out what their number is. Additionally, NNA is a great place to buy E&O Insurance, stamps, bonds, journals (my favorite source) and certificate pads. Yes, it is one stop shopping.

So, now you know who to call, and it is not Ghostbusters. It’s the NNA hotline!

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April 15, 2021

Notarizing at an insurrection!

Filed under: General Stories — admin @ 6:36 am

Paul the Notary navigated his way around a huge crowd on his way up the steps to the Capitol. He had never seen so many MAGA hats in his life. He had been hired to notarize Mark who called from within the Capitol building for a last minute emergency signing.

NOTARY: Hello, I’m here. Who needed a Notary?

RANDOM PERSON: Buddy, you’re in the wrong place at the wrong time.

NOTARY: It’s not like I’m committing a capitol offense… well actually, bad choice of words, perhaps I am. I am on restricted Federal property — but, I didn’t see a sign, so that makes it okay.

BUBBA: Are you the Notary? We’ve been waiting for you.

NOTARY: Yeah. Who am I notarizing? Is it Confederate Flag guy over there, the guy running around with zip ties, or the guy with the painted face and the horns. Oh, goodie, I hope it’s the guy with the horns.

BUBBA: No, it’s Ramsey over here. He’s been shot and needs a Power of Attorney to authorize his sister to take care of his property.

NOTARY: Ouch. Is he going to get arrested in the middle of the notarization?

RAMSEY: Here, I am weak, but I can sign that journal.

NOTARY: Sign it in blood. Oh, wrong time for that joke.

RAMSEY: It’s okay, I always wanted to die this way.

NOTARY: So, if you die, would you die fighting for your country, or against your country… I’m having trouble figuring out who is who over here.

RAMSEY: We’re fighting for what our country stands for.

NOTARY: And the opposition can’t STAND that, right?

RAMSEY: Another joke. Basically, they sit for justice, we stand for it.

NOTARY: And you can’t SIT injustice.

RAMSEY: Right now I’m lying, but I’m not telling any untruths.

BUBBA: He lies about everything, but only when he is dead tired. Now, I’m doing it.

NOTARY: So you lied beside a Notary, but not to a Notary. Good thing you are not under Oath. You’ll have to sit up for your Oath so you are not lying. Please raise your right gun… I mean your right hand.

RAMSEY: Okay… Uh oh, gunshots. (bang… bang)

BUBBA: Better put your hand down otherwise you might lose it.

ONLOOKER: He won’t be needing it… at least not the way he is going.

NOTARY: Was that friendly fire or un (bang…. bang.) I better get down too. Put your hand out horizontally. Or should I say, LAY your hand out. Do you solemnly swear that the contents of this document are true and correct.

RAMSEY: Yes, but this document is intended to get an Acknowledged signature which doesn’t require an Oath.

NOTARY: Hmmm. Maybe you should be a Notary in a future life. You are correct. Okay. Here is my stamp. You better give this document to your document custodian.

BUBBA: I know his sister so I’ll take care of it.

NOTARY: So, if I say I support the constitution and love the flag, does that make me a white supremicist?

ONLOOKER: Only if you mean it!

BUBBA: Which flag, the American or the Confederate flag? These days they are considered to have the same implications. I was asked to take the American flag off my textbook at school because it was too, “controversial.”

(Later that day on MSNBC)

REPORTER: A white supremacist sympathizer Notary arrived at the Capitol to notarize a man committing treason.

BUBBA: I thought we were protesting against treason — I should start my own news outlet. Why do they always twist facts.

REPORTER: But, the Notary was not wearing a MAGA hat or holding a flag. Looks like these supremacists are hiding under the radar these days. It’s hard to identify them without any distinguishing markings. They look just like regular people without the red hats and the flags.

NOTARY: I’m just doing my job. I am neither for these people or against them. I don’t even know what they were doing, what they thought they were doing, or what they planned (if they planned at all) to do. Do we have to distort every single fact that we talk about?

BUBBA: On their network that is an essential part of their business model.

NOTARY: Does anyone else need a Notary? I need to make a little more out of this trip to pay for my parking. I had to pay a mint for parking, walk over half a mile and risk my life to get here.

SALLY: Do you do Oaths?

NOTARY: Funny you should ask. Please raise your right hand, oh, and that will be $10 please, but hold the ten in your left hand. The other left hand… there you go…

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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 4, 2021

A vaccine for Notaritus

Filed under: General Stories — admin @ 4:29 am

What is Notaritus?
It is a disease that is spread on social media. It is not a disease of the body (pause), but of the mind! Notaries who are poorly trained spread a lot of incorrect information and gossip on Facebook and other online forums. Forums are a great place to share information and experience. But, to share incorrect ideas of how to handle notary situations is just plain dangerous. The problem is that Notaries are addicted to mingling and taking advice from others, so the wrong information spreads from person to person much like a virus.

So, there needs to be a vaccine from this virus, and perhaps information about how to flatten the curve of spreading incorrect information.

1. Stay six feet away from other social media platforms.
2. Wear a mask on your brain when you read notary information published by someone other than your state’s secretary of state.
3. Stay in your basement as much as possible and avoid sunlight, being happy, or going out. Although being happy and getting vitamin D from sunlight strengthens your immune system, we need to keep you afraid so you’ll buy our vaccine, so stay in your basement and remain scared.
4. Wash your brain for at least twenty seconds after every contact with social media.

Then what is the vaccine? Simple. Your state notary division’s website will have correct information about what your state’s notary laws and practices are. Some have newsletters or blogs as well. California has a great handbook and then has a blog of some sort. Not all of the info is in the handbook, so you could lose your commission over vague information in the handbook as to correct journal entry procedure. Wouldn’t it be easier to keep all pertinent information in one place? No! That would be too easy and we can’t have that!

Don’t believe what anyone says about notary law unless they are the Secretary of State’s Notary Division, or someone who is officially designated to teach Notary law. Please keep in mind that 123notary’s notary information is NOT state specific and might not apply to your state and might be outdated. Sorry to downplay our credibility, but I don’t want to mislead the public. Our information is in your best interests, but laws are different in each state and it is hard to keep up with them all.

Come to think of it, I just found out that the Virgin Islands and American Samoa are in the United States. Personally, I think we should sell the Virgin Islands to Al-Qaida, they just love virgins.

So, get the vaccine for Notaritus today, but checking in with your notary division, reading your handbook and going straight to the source for correct information rather than relying on your incompetent friends. When Jesus made reference to the blind leading the blind, he was really talking about Notary Facebook groups, he just didn’t know it at the time.

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February 1, 2021

She made her investment back in 19 days!

Filed under: Advertising — admin @ 3:04 am

A Notary named Diane writes that after 19 days with a high placed new listing on 123notary she made back the cost of the listing! That is pretty quick especially for a brand new listing. Sometimes those listings take time to pick up speed and get noticed.

One other notary emailed me asking how he can know how much business he got from 123notary. I told him to keep a PHONE JOURNAL next to the phone. Write down the date, time, who was calling, and where they found him. It is a little like keeping a notary journal except without the fees, thumbprints or ID’s. But, that way you will have a record of where people found you and where to spend your advertising bucks next year!

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January 22, 2021

Are you dual commissioned? Should you be?

Filed under: (5) State specific — admin @ 1:26 pm

Do you live near a state border? Not all states allow out of state notaries to become a notary in their state but some do. To the best of my knowledge here is a list of states that allow dual commissions, or at least where one of the pairs or multiples of states allows out of state notaries and where we list notaries with multiple commissions.

WA, OR,
WA, ID
ID, MT
MT, ND
KS, MO
NY, NJ
NJ, PA
NE, IA
TN, MS
FL, GA
GA, SC
RI, MA
DC, MD, VA
Possibly More…

Being dual commissioned might cost more. You will have to have two sets of stamps and perhaps journals. Two sets of bills. Two sets of many things.

123notary can list you in two states. However, there would be two listings, two sets of counties, and we hate it when people mix their list of counties between two states. But, two listings, means logging into two listings every 120 days, and perhaps double the business.

Additionally, being dual state is impressive. It means you are serious. Nobody fooling around will bother getting commissions in two or three states.

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January 14, 2021

Notaries in cars drinking coffee and ID-ing people

Filed under: General Stories — admin @ 1:12 pm

More on the Notaries in cars issue. If you do a signing where the borrower hands over some signed documents through your car window, not only is that very unprofessional, but it is hard to do notary work without some sort of table. Things can get lost or fall.

You need to see all signers face to face, even if it is outside. You need to look at them and their ID, and then write down the particulars of their ID in your journal assuming your state or your conscience makes you keep one. If you don’t get a clear look face to face at all signers concerned, you are not doing your job.

It is easy to make mistakes or miss things if you are working in an unsuitable environment. Working on a trunk is more like a desk and you might be more in command of the process. You can have a done pile and an undone pile if you work on a trunk. There is plenty of room and it is a flat surface. Assuming the wind doesn’t blow you are good.

Personally, for such an involved signing such as a loan signing, if the borrower is too squeamish to let you inside, I would cancel the signing. It is just not professional to sign in your car. And once again, confirm the signing before you go and make sure they are not sick or squeamish. It makes more sense to wear a mask and sit six or more feet away from them and do your best to make the process smooth.

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