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November 11, 2020

Oaths — how Notaries completely screw them up!

Oaths are an official Notarial act in all states if my memory serves correctly. Oaths unfortunately are very misunderstood and generally poorly administered if administered at all. So, let me straighten out some common problems that I have seen with Oaths.

By definition, all Jurat Notary Acts must include an Oath. A Jurat is a Notary Act with a written statement and an Oath. The documentation of the Oath has verbiage such as, “Subscribed and sworn to before me ______ on this ______ (date) by _____ (name of affiant).” There are various problems that occur here. Oaths also can occur as independent and purely oral acts.

1. Omission of Oath
Most Notaries omit the required Oath for a Jurat. In California, your commission can be suspended, revoked, or terminated by omitting an Oath and you can also be fined $750 per incident. Other states do not teach Oaths, not fine you if you forget to administer it which is exactly why most out of state Notaries simply don’t do the Oath. Nobody is putting a gun to their head, so why should they unless they have integrity which they usually don’t have according to my recent findings. Sad!

2. The word Swear omitted.
When administering an Oath, you must use the word swear, otherwise in my book it is not an Oath. A good Oath requires the signer to raise their right hand, the word solemnly should ideally be used before the word swear (for good form), the phrase, “under the penalty of perjury” could also be used, and the clause, “So help you God” should also be used. Although there is no prescribed Oath verbiage, if you don’t swear, it isn’t an Oath. Some Notaries prefer to affirm, state, acknowledge or attest rather than using the word swear since swearing offends the ultra-religious and ultra-athiest members of the public. So, for those who don’t want to swear, don’t use an Oath — use an affirmation instead which does not mention God or swearing.

3. What if people don’t want to use the word swear?
Some people find it offensive to use the word swear or God in an Oath. For them, you use the sister act which is an Affirmation which is allowed in most if not all states. But, don’t confuse the two acts even though they are interchangeable — they are not the same thing and you can not cross use the verbiage for one act on another. If you Oath you swear and if you do an Affirmation, you Affirm. You do not affirm with an Oath.

4. Using exchangeable verbiage.
Some states allow or prescribe verbiage such as, “Do you solemnly swear or affirm that the contents of this document are true and correct?” That is acceptable to me as an Oath because you used the word Swear even though you had alternate verbiage. But, you did not omit swear to only use the alternate verbiage which would disqualify the act as an Oath.

5. Court Oath vs. Jurat Oath.
There are many types of Oaths out there. You can swear people into court, solemnize a marriage, swear someone into office, or have them swear to a document. Notaries should PRACTICE the various types of Oaths so that they can master each type and not confuse them otherwise the Notary will look like an idiot (this happens a lot with our members.) It is common for me to ask for an Oath for a document and the Notary says, “Do you solemnly swear to tell the truth, the whole truth and nothing but the truth?” I say, “I do, but can we now say an Oath for my document?” That is not a document Oath, that is a swearing you into court Oath.

6. Swearing that I voluntarily signed a document
Many Notaries will have me swear that I voluntarily signed a document. This is required in many instances in Massachusetts, however, swearing that I signed a document is not necessary in most states since the Notary watched the person sign, and making sure you signed voluntarily has never been an issue for anybody I know. If you were under duress, would you suddently tell the Notary simply because he asked or would you get nervous? Hmmm. There is no harm in asking if I signed a document on my own free will, so long as you don’t forget to give Oath verbiage about the document in Jurat Oath where the point of the Oath is to swear to facts contained in the document.

7. Swearing that I am the person in my ID
This is ridiculous. If I were an identity fraud, would I say that the ID was not mine? Many Notaries administer an Oath on my ID when I ask them to do an Oath on my document. The ID is not the document — get it straight.

8. Omitting the word document
If you are doing a Jurat Oath but give an Oath that “the information” is true and correct doesn’t cut it. If you are giving an Oath about a particular document, you must reference the document somehow. “Do you solemnly swear that the contents of the document before you are true and correct to the best of your knowledge, so help you God?” That would be an acceptable Oath because you are swearing, and swearing to a particular document rather than to thin air.

9. Relying on cheat sheets.
Many Notaries can only do an Oath when they have their recommended wording from their state with them. If for any reason they should lose the cheat sheet, they would not be able to lawfully conduct their duties as Notary Public. If you practice giving Oaths, you can give them by heard. Additionally, many Notaries give inapplicable Oaths as I mentioned above, so relying on reading text that you don’t understand the meaning of is useless. You need to understand the meaning and significance of the Oath you are giving otherwise it serves no intrinsic purpose.

10. Subscribed and Sworn.
Many Notaries say, “Subsribed and sworn to this ____ day of ___” when I ask them to deliver an Oath. That is the written documentation that an Oath took place. It is NOT the Oath itself. Oath wording typically starts with, “Do you solemnly swear…” and you should have the person raise their right hand.

11. A Jurat is not an Oath
Oath is to Jurat what Motor is to Automobile. A Jurat has an Oath, but a Jurat is not an Oath. An Oath can be an independent Notarial act which in most states has no written certificate. Florida has a useless certificate which says there was an Oath, but doesn’t give any indication of what was sworn to or the type of Oath. You might as well not have paperwork if it is that lame.

12. Notary Acts
When I ask people to name some Notary acts, most people claim not to know what I am talking about. They commonly mention Acknowledgments and Jurats. Few mention Oaths. Oaths and Affirmations are Official Notarial Acts in all or nearly all states. Notaries are required by law to administer Oaths if the public requests them from you. If you have never been asked to do one, that doesn’t preclude the possibility that you will be asked to do one. You are also not exempt from the responsibility of knowing how to administer one. If you are a commissioned Notary Public, you are responsible to administer Oaths, and correct sounding relevant Oaths, otherwise your state has the right to decommission you — and in my opinion they should.

MY RECOMMENDATIONS

Here is some standard Oath wording I like for documents.
“Do you solemnly swear under the penalty of perjury that the information in this document is true and correct to the best of your knowledge and that you agree to and will abide by the terms — if any in the document, so help you God?”
Please notice that I mentioned terms. What good is swearing to an agreement if you only agree that the agreement is true? The point of an agreement is that you agree to the agreement and will follow the terms of the agreement. Having a “useful” Oath rather than a correct but “useless” Oath makes a lot of sense. If your Oath serves no purpose, then why give one?

BAD OATHS
Here are some examples of wrong Oaths for Jurat documents for your reading pleasure.

“Do you acknowledge that this is correct?”
“Do you affirm that the document is correct?”
“Do you solemnly swear to tell the truth, the whole truth, and nothing but the truth so help you God?”
“Subscribed and Sworn to before me.”
“Do you solemnly swear that this is your true ID?”

OKAY OATHS
“Do you swear that the foregoing is correct?”
“Do you solemnly swear that the document in front of you is true and correct to the best of your knowledge?”

COMMENTARY
Most states do not teach the art of Oath giving, but they should. Notaries are required by law to administer Oaths, yet the majority of Notaries either give no Oath, inapplicable Oaths, or poorly worded Oaths while others rely on cheat sheets which is bad. Using cheat sheets is okay, but relying exclusively on some standardized wording for Jurat Oaths is not acceptable. There are situations where there is REQUIRED prescribed wording where you have to use that particular wording. In such a circumstance it is okay to rely on particular wording. However, for Jurat Oaths, you should be able to make up an Oath, otherwise I will fail you.

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You might also like:

Notary Public 101 guide to Oaths, Affirmations, Jurats & Acknowledgments
http://blog.123notary.com/?p=19500

Airline meals vs. Oaths & Affirmations
http://blog.123notary.com/?p=19549

Affirmations – pleasing the politically correct while offending the traditional people.
http://blog.123notary.com/?p=19606

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November 2, 2020

Notary Verbiage & Notary Wording

Originally published Nov 13, 2016.

Notary verbiage is a fancy way of saying Notary wording. Notary verbiage is legally required on all notarizations that are in writing. Oaths and Affirmations might not contain any written proof of the transaction other than in the Notary journal. The Notary form where the Notary wording is documented or written is called a Notary Certificate. A Notary Certificate would be a separate piece of paper where official state Notary wording is written or it could be the official notary wording embedded at the end of a legal document after the signature section.

Notary verbiage varies from state to state
You need to make sure that the Notary wording you are using is prescribed for your state. Each state has different wording, and you can look up that wording on Google by using terms such as, “New Jersey Acknowledgment Verbiage.” You need to specify which type of Notary act you want to know the wording for. Acknowledgments and Jurats are the two most common forms of Notary acts, although some states allow for certified copies of powers of attorney and other specialized notary acts.

Out of State Notary wording causes confusion
If you are a California Notary Public notarizing a deed with Florida Notary wording, you are allowed to Notarize the document. Notary wording on out of state documents might be a little different than what your state’s official Notary verbiage is. But, so long as it is not substantially different it is allowed. That means that so long as there are no differences in meaning behind the words in the Notary verbiage then it is okay. Most Acknowledgment sections claim that the signer appeared before the Notary on a particular date and acknowledged that they in fact signed the instrument (document).

International Wording
Out of state notary wording has never caused a problem in my personal Notary career of eight years. However, international requirements can cause a huge nightmare. It is common for overseas document custodians (the entity who will record or hold on to the document after it is notarized) to have requirements which are not only “not done” in the United States, but could be illegal. It is common for Chinese organizations to want an American Notary to put a stamp on a blank piece of paper with no Notarial wording which is completely illegal. In such a case, you have to explain to the signer that you are required by law to staple a notary certificate to the document being Notarized, fill it out completely, and then stamp it to complete the Notarization. Most states also require the signer to be identified and sign a journal.

ACKNOWLEDGMENT CERTIFICATE WORDING FROM TOP TO BOTTOM

(1) The Venue

Q. What is a Venue?
A. The venue comes at the top of a Notary certificate and documents the state and states the county.

State of California
County of Los Angeles

Certificate verbiage will contain a venue which is a section at the top of the notary certificate which includes the state and county where the notarization took place, and a signature section at the bottom which is where you put your signature and Notary seal impression. It is possible that a preprinted venue will have the wrong state which is a problem. If there is wrong information in the venue, you either have to do a cross out, or start with a brand new form. Most venues pre-print the state, but leave a blank where the county is to be inscribed. A prudent Notary will make sure all forms get filled out correctly with no cross outs as that is very unprofessional, especially on documents such as Deeds or Power of Attorney which are likely to be recorded by the county or some other organization.

(2) The body of an Acknowledgment.
Below the venue, the acknowledgment certificate will state that on such a date, a particular person or several named people personally appeared before a Notary Public and acknowledge that they signed the corresponding document. The wording will also include the fact that the signer was positively identified or perhaps known to the notary (some states allow for personal knowledge of a signer at a notarization.)

(3) The bottom of an Acknowledgment
Locus Sigilli is a lovely Latin term means the location of the stamp. At the bottom of the Notary certificate form is where the signature of the Notary goes and also where the stamp goes. Most Notaries use an inked Notary Seal while others use a non-inked Notary embosser in addition to prove authenticity of the notarization as it is possible to emboss all of the pages of the document to prove that pages were not swapped after the fact.

(4) Examples

Example of a Florida Acknowledgment Certificate

STATE OF FLORIDA

COUNTY OF BROWARD

The foregoing instrument was acknowledged before me this ___________ (date), by __________ (name), who is personally known to me or who has produced _____________ (type of identification) as identification.

______________________________

Notary Public

Printed Name:__________________

My Commission Expires:

____________________

Commission #_________

California Acknowledgment Wording

State of California
County of Los Angeles

On 7-21-2016 before me , Joe Smith Notary Public, personally appeared Sam Sarno
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their authorized capacity(ies), and that by his/her/their signature(s) on the instrument
the person(s), or the entity upon behalf of which the person(s) acted, executed the instrument.

I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing paragraph is true and correct.

Witness my hand and official seal _______________
Description of Attached Document
Title or Type of Document: _______ Number of Pages: ________
Document Date: _____ Other: _____________

Crossing out verbiage is required
On an Acknowledgment form, the boiler plate wording in the middle of the form requires cross-outs. Normally on legal forms you don’t want to cross out anything, but these cross-outs establish whether you are dealing with an individual signer, a male, female, group, etc.
If you look at the California Acknowledgment wording above, you will notice the term “Person(s)”. If it is a single person, then cross out the (s). The term name(s) — if there is only one name then cross out the (s). If you are doing a name affidavit, you might have a single person and six or seven names in which case do not cross out the (s). Then there is the he/she/they wording which can be complicated if you are notarizing someone of ambiguous gender or for Siamese twins.

Jurat Wording
Jurat wording is substantially different from Acknowledgment wording in that the Jurat requires the signer to sign in the presence of a Notary and swear under Oath as to the truthfulness of the document. Many states have a simplistic wording that just says,

“Subscribed and sworn to before me this __________ date of ______, (enter year) _______. ”

Other states have more elaborate wording, but the basic facts documented are the same.

Certified Copy by Document Custodian
This is a type of Jurat that is used only from time to time. Many individuals want to make a copy of a document and then have a Notary “certify” that the copy is correct. Most states don’t allow a Notary to certify this information. However, a Notary could make the photocopy him/her-self and write a note claiming that they attest to the fact that the photocopy is a true and complete copy of the original. However, the offficial Notary act that takes place is a Jurat where the signer swears under Oath that the copy is genuine. I completed many such Notary acts for college transcripts especially for foreign clients.

Read More about Notary Wording

http://blog.123notary.com/?tag=notary-wording

Should you use book wording for Oaths or improvise?
http://blog.123notary.com/?p=19660

Notary Acknowledgment Wording
http://blog.123notary.com/?p=18858

Index of information about documents
http://blog.123notary.com/?p=20258

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January 31, 2020

Oaths need to be signed?

Filed under: California_Notary — admin @ 11:39 am

I have heard from my sources that Oaths, Affirmations and Depositions all need to be signed by the Notary in California. This is on page 28 in the 2019 handbook near the top of the page.

But, how do you sign an Oath? An Oath is given in thin air? Unless you have a certificate stating that you gave an Oath. Or if the Oath is part of a document that is signed by all parties. Hmm. This is very odd. I wonder if any of our members have ever signed an Oath. Most of our Notaries don’t even know how to give Oaths correctly. Please let me know.

BTW, there is suggested verbiage for Jurat Oaths in the 2019 handbook on page 12. You can improvise upon it as there is no official verbiage.

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October 4, 2019

Is it practicing law to explain a notary act?

Filed under: Technical & Legal — admin @ 11:19 pm

Many Notaries think they are practicing law by explaining a notary act. Notaries are not allowed to choose a notary act on behalf of a client, but can they explain the requirements?

As a Notary, you have to have a signer sign in your physical presence for a Jurat, but not for an Acknowledgment (except in a few underpopulated states). So, are you practicing UPL or engaged in the unauthorized practice of law by explaining that distinction to a client?

For an Acknowledgment you do not have to sign in front of the Notary, although many lenders require the signer to do so. Is it UPL to explain that too?

Is it UPL to word an Oath for a client for their Affidavit? You kind of have to do that otherwise you cannot administer an Oath or Affirmation.

The fact is that your state authorizes you to do Notary work and perhaps even tests you on it. You are authorized do do all aspects of Notary work by law. You are not authorized to explain Mortgage documents but notary procedures are NOT Mortgage documents although they might be done to Mortgage documents.

How do you deal with this quandary?

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August 30, 2019

The notary apologizing game

Filed under: Humorous Posts — admin @ 10:54 pm

A Notary notarized a couple in Venice, CA. The husband was signing an Affidavit and the wife was signing a Power of Attorney. The Power of Attorney notarization required a thumbprint by law, but the wife (who was a politically correct person) mistook this for sexism.

WIFE: Ah-ha! You want a thumbprint from me, but don’t require it from my husband because he is a man!

NOTARY: With that attitude it is a wonder that you can even attract or keep a man. You regard yourself as our enemy!

WIFE: I resent that. I am on the enemy of sexist, misogynist, guys who are the enemies of womankind.

NOTARY: You mean guys who don’t let you walk all over them?

WIFE: Exactly… Hey No. You tricked me into saying that. In any case. I demand an apology for being a sexist Notary.

HUSBAND: According to the state of California…

WIFE: Stay out of this.

HUSBAND: (shrugs shoulders) okay.

NOTARY: Typical beta-male. You just love those submissive males who are just so happy to have a woman they’ll say anything.

WIFE: That’s the way men should be. They should know who the superior gender is.

NOTARY: Ah-ha! I demand an apology. You just said something sexist towards male Notaries. Okay, it was not notary-specific, but towards males.

HUSBAND: He kind of has a point.

WIFE: Stay out of this — once again…

NOTARY: Okay husband who doesn’t wear the pants in the family….

HUSBAND: Ouch… you kind of have a point here though.

NOTARY: Do you solemnly swear or affirm that the contents of this document are true and correct?

HUSBAND: I demand an apology. You asked me to swear when I don’t believe in swearing.

NOTARY: Oh boy, another one of those.

WIFE: He’s just kidding. He doesn’t stand for any ideology except for cow-towing to my every request which is exactly how it should be.

NOTARY: Well it looks like we live in an ideal world, so how come you are so angry now that you have everything your way?

WIFE: Everything? You call this everything? I still didn’t get my apology.

NOTARY: I apologize for not explaining notary law to you before the signing. Everything I am doing is consistent with Notary law.

WIFE: Well then notary law is sexist and part of the patriarchy since it involves swearing to God.

NOTARY: That is an issue for the secretary of state’s office.

HUSBAND: Do you know any good men’s rights organizations?

NOTARY: After today I will definitely Google a few. And if I don’t find any, then I will owe you an apology.

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Affirmations – pleasing the politically correct while offending the traditionalists
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August 5, 2019

Notary High School (80’s Style)

Filed under: Humorous Posts — admin @ 8:56 am

Back in the day, they used to teach notary classes in high school just in case some of the students would one day become Notaries. They taught it in the same room they taught typing incidentally which is interesting as both types of work are clerical in nature.

TEACHER: Now class, please turn to page forty. The duties of the Notary Public are to Acknowledge signatures, take Oaths, execute Jurats, and my psychic says that in the future there will be this thing called an Affirmation.

SAM (a 15 y/o student): Hey teacher, you’re a lot hotter than the last teacher we had. Taking your class is going to be a dream come true.

TEACHER: Thank you Sam for your vote of confidence. I truly am glad to know that I indeed am hot, at least in your eyes, and thank you for making your astute observation using correct grammar.

SAM: No problem teach! Any time!

TEACHER: Oh, let’s see. There appears to be a love note on my desk. Well, thank God this class isn’t like the last class. My students hated me.

BRUCE: You’re not going to have that problem here, baby… I mean… teach!

TEACHER: That’s Mrs. Bates to you, but once again, I appreciate your vote of confidence. Let’s see what the letter says. “My love for you has no bounds, I feel like howling like the hounds, my feelings towards you I wish not to belittle or smalledge, but to thee, my love, I sincerely wish to Acknowledge.” Wow! This is not poorly written at all. I would like to instill upon you the notion that I am married, and although your feelings are appreciated, they unfortunately cannot go anywhere.

SAM: Hey, may the better man win. Your husband must have something we don’t have.

TEACHER: Yes, its something called a job… and also maturity, but that’s a completely different matter. Now, moving right along. An Acknowledgment is a notary act where the signer acknowledges having signed a document. They make this formal declaration in the physical presence of the Notary.

CHRIS: Let’s get physical… physical. Is it kind of like that song. You know the Olivia Newton song?

TEACHER: Very much so, but with no dancing. Any questions?

SAM: Yeah… Do you like younger guys?

TEACHER: I like younger people just fine. However, I cannot entertain the idea of the type of relationship you are most likely thinking about.

BRUCE: Do you attest to that? And also… What are you doing after class?

TEACHER: Grading papers. How romantic. See you tomorrow.

(The next day)

TEACHER: Hello class. Many teachers might be cross with you or stern after getting an inappropriate love note.

SAM: What was inappropriate about it? I thought it was well written and didn’t contain any bad words. That’s as appropriate as we get over in this school.

TEACHER: Yes, I see what you mean. But, you see that it is not appropriate to make romantic suggestions to your teacher. It violates teacher-student ethics.

BRUCE: What are ethics? Do Guns and Roses use ethics.

TEACHER: Well, you see, some people think it is morally wrong for teachers and students to have romantic interludes, but if it weren’t wrong, I assure you, that some of you handsome young people here, might be in business. Oh my God, I can’t believe I said that. Father, forgive me. But, my husband found out about the note and guess how he feels?

CHRIS: Uh oh, do I need to change my name and move to a different town and assume a new identity so I don’t get killed or mamed?

TEACHER: Actually, he feels flattered, and he feels more sexy than I have ever seen him feel in his life. He is all excited that his wife is a hot chick that is in demand.

SAM: Woah, I’m glad we could make your family feel all good Ms. Bates. I totally dig that. But, what I want to know now is, “Where do we go, where do we go now, where do we go… sweet child of mine….”

TEACHER: Let me guess, these are lyrics to that new group Titanium… Oh, maybe they are called Platinum. Do they wear really tight pants, look like women from an asylum and scream when they sing?

BRUCE: No, you must be thinking of Motley Crew. This group is called Guns & Roses. The ironic thing is that they don’t own any guns. But, the lead guitar guy wears this really cool hats from the 1800’s which I totally respect because if there is one subject that I like more than biology, it’s history.

TEACHER: I’m glad to know you are learning something Bruce. Anyway, a Jurat is a notarization where you swear to the truthfulness of a document and sign it in the presence of a Notary.

SAM: Is that also a physical presence? Because I noticed that your verbiage was adulterated oh so slightly.

BRUCE: I like your choice of semantics there — adulterated. Someone might feel adulterated really soon because they are in some particular person’s physical presence.

TEACHER: I understand what you mean Bruce, but it doesn’t mean exactly that. You have to be more than in a physical presence to commit adultry.

CHRIS: Can children commit adultery, or only adults?

SAM: Yeah, wouldn’t it be childery if we committed it?

BRUCE: Hey wait a second, if a child committed adultery with an adult, wouldn’t that be childery as well as adultery, or would that depend on which party in the transaction you were a part of.

TEACHER: Children, this is a very interesting discussion. There is no such thing as childery, and for your information, adultery involves inappropriate sexual behavior between a married person and someone else who is not part of that holy union.

SAM: Holy union… I mean holy cow… By jove, I think I’ve got it now.

CHRIS: Well in any case compadres, we made teach’s husband feel like a complete stud. I say our mission was a success and we can all go home now… providing that we finished our written assignment writing a paragraph about each notary act.

TEACHER: I couldn’t have said it better myself. Glad we could learn about notary work as well as adultery all in one short class, not to mention making my husband feel better than he has felt in over a decade. But, I have to go soon as well.

SAM: Why, are you going to grade more papers?

TEACHER: No, I have an appointment at Victoria’s Secret. I haven’t been there in 15 years, but now there seems to be a reason to go — thanks to certain young people with inquisitive minds, and when I say inquisitive, you know what I mean!

BRUCE: Right, like in the Spanish inquisition — they were the most inquisitive people I ever read about in history.

TEACHER: That means something completely different. But, have a wonderful day boys! Ta ta!

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Notarize you like a hurricane
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Notary Happy Days goes to China
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January 17, 2019

Notary Etiquette 104 — General Tips

Filed under: Etiquette — Tags: — admin @ 3:19 pm

GENERAL TIPS
Return to Table of Contents for – Notary Etiquette 104
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1. Dress for success.
Business casual is great. People get complaints more for dressing poorly than for being a horrible Notary. So, go to Men’s Wearhouse first, and then buy that Notary course you were thinking of. And remember — it’s not what you know — it’s how you look! Notaries who show up in shorts and flip-flops get some serious complaints and even a bad review on their profile. In short, don’t dress like me.

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2. Forms you should carry
Carry loose Acknowledgment, Jurat and other certificates in your Notary Carry All Bag that you purchased from the NNA. Carry a thumb printer, wipes, and pens with you. Nothing is worse than a Notary that doesn’t have pens except one who wears flip-flops. Having good professional equipment makes you look like you know what you are doing even more than actually knowing what you are doing.

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3. Arrive on time
Nothing is worse than a late notary other than one who wears flip-flops.

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4. Follow up punctually
If you have to get the FedEx back, do so immediately. Do not wait to drop a package unless you are waiting for a callback. If you wait 90 minutes or more for a callback, consider that title needs their docs back and it might make sense to just drop it. That is a judgment call, so think carefully about it. If you get emails, answer them asap.

You have to be available after signings for up to the rescission date and sometimes later. If you become unreachable after the signing, you will get very serious complaints. The worst complaints we get about notaries are that they were rude, or unresponsive after they had completed work.

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5. Don’t be rude
If someone is rude to you, don’t reciprocate. Your reputation is on the line. You can get penalized for being rude even if the other person deserves it. So, watch yourself!

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6. Animals
If you are uncomfortable with animals in the room with the signing, you can politely ask if the animal can be put behind a firmly closed door. Dog owners assume that since they enjoy Fido jumping over them that it’s okay that Fido jumps all over you — after all, it’s okay because Fido’s a nice doggy.

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7. Where to sit
You are the facilitator of the signing, and you call the shots where people sit at the signing. It is often easier if you sit at the head of the table with husband and wife sitting next to each other. That way when person #1 signs and turns over the document, the second person can turn it over and sign it assembly line fashion.

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8. Tips for Jurats
In a Jurat, the signer has a choice of doing an Oath or Affirmation. Many Notaries today are very politically correct to the point where they assume that the borrower will be offended by an Oath and by default only do an Affirmation. This is offensive to those who want an Oath and also not legal. It is up to the borrower to choose which type of Notary act to choose, so just say,

“To execute a Jurat, we will need a statement made under the penalty of perjury as to the truthfulness of the document… would you prefer to swear under Oath under God or affirm on your honor?”

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9. Leaving a business card
At the end of the signing it is not bad manners to give them a business card. You never know when they will need another notarization.

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10. Do you answer the phone during a signing?
It is generally a bad idea to have phone calls during the signing. Some signing companies forbid this altogether. However, you might not be able to get your next job unless you answer your phone. So, if the phone rings, give the caller a minute before you cut them off. It is rude to answer the phone only to tell someone you can’t talk, and it is rude to the borrowers to have a long conversation with someone unrelated to the loan. This is a judgment call. However, it is sometimes hard to get a chance to talk to a Notary due to the fact they are always busy, because they are either at a signing, between signings, eating, or at church — with notaries this busy there is no good time to talk to them… ever!

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Please Also Read:

Best marketing resources for Notaries. This entry goes over active vs. passive marketing in detail
http://blog.123notary.com/?p=16322

Notary etiquette from Athiest to Zombie
http://blog.123notary.com/?p=13718

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Notary Etiquette 104 — Humorous Edition

Filed under: Etiquette — Tags: , — admin @ 10:11 am

Here is a humorous version of our etiquette course for your laughing pleasure.
Return to Table of Contents for – Notary Etiquette 104

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1. Dress for success
Wearing a smile on your face, but if you are also wearing a polyester jacket from the 70’s with super wide lapels, you might be the only one smiling.

Ladies, if you’re dressed in such a way that on the way to the signing cars pull up to you and ask how much you charge and you say, “$50 for a signing and an extra $25 if it includes eDocuments. I don’t do oral Notary acts like Affirmations though.” — you might need a new wardrobe.

If you wear flip-flips to the signing, you might be able to flip through a lot of documents, but your business will eventually flop.

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2. Arrive on time
It’s okay to be fashionably late if you are going to a cocktail party, but not to a signing.

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3. Animals at the signing
If there is a parrot in the room that says, “Stop forging his signature — bock!” you might want to get out of there. You should avoid doing Oaths for dogs, they prefer to receive Affirmations (or wuffermations). Cats prefer to take a nap on the documents.

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4. Leaving a business card.
When you give clients your business card, if you crossed out the phone number and wrote in a new number in handwriting — it’s time to print out some newly designed cards. If the email address on your business card ends in “aol.com” it might be time to consider retiring.

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5. Answering the phone during a signing
Its’ a bad idea to have phone calls during the signing. It’s an even worse idea to have them hear your heavy breathing. It’s even worse if the phone call is from your borrower’s ex-girlfriend or mistress.

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6. Don’t discuss religion at the signing.
If you start the signing with, “Those damn Quakers, they’re not as friendly as they claim to be, and grey went ou in the 70’s.” — you might be in the wrong profession and should probably convert from Quakerism to Catholicism.

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7. If your signer’s mother tongue isn’t English
It is generally a bad idea to mimic your signer’s accent at a signing. Wait until after the signing. Unless you have a document that is going to the Russian Consulate… then read it with thick Russian accent comrade!

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8. Confirming the signing
When confirming the signing it is a good idea to ask, “Are you high? Are you going to be high at the signing? Can I have some, man?” But, only do that if you are in a state where marijuana is legal otherwise you might be sorry. If you are going over their ID over the phone ask, “Do you look high in your ID photo?”

9. Middle initials
If the signer doesn’t want to sign with their middle initial, give them the finger… the middle finger! Just kidding. Just explain why they need to sign with their middle initial, and then after you are leaving the house, then give them the finger. There is a proper order to these things.

10. Don’t give opinions about the loan.
When you are at a signing, don’t comment about their interest rate such as, “Wow man, that’s a great rate… My brother just got a loan and his rate was way higher than yours. I’m so bummed out about that. I wish we could have gotten 4.5%. I’m going to call my brother right now and tell him what a loser he is.” It’s also not a good idea to say, “Wow, look at those terms, you’re getting ripped off dude, totally ripped off.”

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December 30, 2018

When are you required by law to do Oaths?

As we all know, state notary laws differ from state to state. Since I live in California, it is difficult for me to know what all the Notary laws are in other states. Sometimes I create a chart as a cheat sheet to know which states require certain things and which ones don’t. However, every state I have read about (I read handbooks for all states so you will have a problem fooling me — they are all online except for NC if I remember correctly) requires Oaths and has Oaths in the handbook as an official duty of a Notary Public. So, I am going to write some quiz pointers about Oaths below.

1. Oaths are an official Notary act in all states.
If I am wrong, show me your state notary handbook and show me the omission of Oaths.

2. Affirmations are an official Notary act in almost all states…
Or perhaps, now they are in all states. Not sure…

3. If you see the words — SUBSCRIBED AND SWORN (or affirmed) TO BEFORE ME BY…
This is Oath documentation verbiage. It is NOT the Oath itself, but the documentation that you administered an Oath or perhaps Affirmation. If you sign a form stating the above verbiage and do not administer an Oath, you have just committed fraud on a Notarial certificate which is a crime. I am not sure what type of crime it is, but it might be fraud, or even perjury which is a Federal crime punishable by up to five years in jail per infraction. Gulp. Please consult an Attorney to see what type of crime he/she thinks it is as my opinion is a layperson opinion and not legal advice.

4. My state doesn’t require Oaths.
I hear this every day. Your state DOES require Oaths, however your state doesn’t require you to read the handbook that says you have Oaths as an official duty. Moreover, your state doesn’t explain how to administer an Oath or WHEN to administer an Oath. I can blame your state, but this is also your fault if you go through life engaging in criminal negligence because you did not bother to learn when and how to administer Oaths.

5. We don’t do Oaths in my state.
Some people claim that Oaths might be an official Notary act in their state, but that it is never done. This is also not true. Carmen (who does sales for 123notary) does loan signings for out of state documents all the time and every single package has at least one Oath that is part of a JURAT.

6. If you see the word AFFIDAVIT in the title of a document.
The word Affidavit customarily means that the document is to be sworn to before a state official commissioned with the capacity to administer Oaths such as a Judge, Notary Public, Justice of the Peace, etc. If you see the word Affidavit, it is possible, although unlikely that you will execute an Acknowledged signature on that form. 99% or more of the time you will execute a Jurat, and Jurats by definition require the signer to sign (subscribe) in front of you and swear under Oath as to the truthfulness of the document.

7. Are you swearing to the identity of the signer, the signature or the truthfulness of the document.
Many Notaries administer Oaths to me over the phone on quizzes and make me repeat my name several times. However, the Oath for a document is regarding whether or not the document is true or not, and NOT to my identity. However, if the document makes me specifically swear to my name or name variations then I would have to swear to my identity. Additionally, an Oath on a document does not require the Affiant (signer) to swear to whether or not they signed it or whether or not they signed it on their own free will unless their state specifically requires it or unless the cheat sheet for the Oath requires it. As a general rule, an Oath on a document must be regarding the truthfulness of the document as the primary focus. Any other considerations are secondary or perhaps not necessary or perhaps should be left out.

8. Why Oath cheat sheets are dangerous
If you do not know the legal requirements of an Oath on a document in your state, you might not administer a passable Oath if you read off the cheat sheet. In my opinion which is based on logic, but not on law, an Oath on a document must be about the truthfulness of the document. If your cheat sheet for an Oath says, “Do you solemnly swear you signed this document.” — that would lead to an incomplete notarization because you never swore to the truthfulness of the document.

9. I don’t do Oaths, I only do Refinances.
Newsflash — Every refinance I have ever seen has at least one Oath. If there is an Affidavit such as a signature affidavit, identity affidavit, or occupancy affidavit, customarily there will be an Oath. If you do Refinances, you are required to do Oaths as part of fulfilling the statements on the Jurat certificate(s).

10. Oaths on oral statements or without Jurats
You might be asked to give an Oath on an oral statement. There might not be any paperwork involved other than your journal. You need to read up on how to do this. You might also be asked to give an Oath on a document that does not have a Jurat. You would have to ad-lib to come up with verbiage so practice on random documents to get the feel of it.

11. Remote court attendance.
Florida state allows certain witnesses to appear in court by phone. A Notary must swear them in from their remote location. This type of Oath requires the Notary to look at their ID, read it to the judge and do the TV court Oath of how you swear to tell the truth, whole truth and nothing but the truth, so help you God.

12. Penalties for wrong or omitted Oaths.
Notaries rarely get in trouble for omitting a required Oath or refusing to administer an Oath. But, there are times when they do. Here are the things that could happen to you. Why take chances? It is like leaving your door unlocked.

(a.) REVOKED COMMISSION — Your commission could be revoked. I heard of several Notaries in Oklahoma who did not administer Oaths on loan documents.

(b.) OVERTURNED LOANS — The loan that had documents with required Oaths could be overturned by a Judge if they find out that the Notary did not administer an Oath.

(c.) GETTING SUED — The Notary could get sued by the Lender because there will be serious financial damages for the Lender because the Notary omitted a legally required Oath. Damages might be $20,000 or more if you get caught. People don’t get caught often — but when they do…

(d.) FINES — Certain states fine Notaries for misconduct and omissions. Failing to administer a required Oath in California used to have a $750 fine per incident. Now, it might be $1500. I am not sure of the exact fine, but it should be in that neighborhood.

(e.) JAIL — I have heard, and this may or may not be true, that making a false statement about an Oath on a certificate is perjury. The penalty for perjury is a jail sentence of up to five years per incident. So, you could end up in jail if the Feds or your state start checking up on Notaries to see if they are administering Oaths. They are not checking up now, but they could start any time.

(f.) LOSE LISTING — 123notary sometimes removes people for disciplinary reasons. If we find out that you do not obey Notary laws, we normally steer you to some educational materials. But, if you have a complete disregard for law, order, and common decency, you could lose your listing. We normally as a handful of Notary questions and will accept a very low average since most Notaries do not know their stuff. However, if you score under 50% on our quiz whether oral or written, you will most likely be in trouble with us. Although we are not commissioned to enforce laws, I do enforce who I list and that is my right and authority as owner of this site.

SUMMARY
Although Notaries only get in trouble for not administering an Oath once in a blue moon, it is illegal not to fulfill your duties as a Notary Public, and it only takes minutes to read up on when and how to administer Oaths. There is no reason for this type of blatant negligence and criminal behavior. So, please become an expert at administering Oaths. Your first step should be to read your state handbook and see what they say about Oaths. They probably do not do a complete job of teaching it which is part of the problem. The NNA and 123notary have materials as well, and you could consult an Attorney. Although Oath procedure is not taught properly by the states (not even California) you are still legally required to give Oaths and give logical and correct sounding Oaths.

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You might also like:

Should you use book wording for Oaths or improvise?
http://blog.123notary.com/?p=19660

Airline meals verses Notary Oaths & Affirmations
http://blog.123notary.com/?p=19549

Oaths – How Notaries completely screw them up!
http://blog.123notary.com/?p=19369

Oaths and the art if improvisation
http://blog.123notary.com/?p=19367

Notary Public 101 – Oaths, Affirmations, Jurats & Acknowledgments
http://blog.123notary.com/?p=19500

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December 19, 2018

Beginner Notaries 103 — Additional Reading List

Filed under: General Articles — admin @ 12:52 pm

Beginner Notaries 103: Additional Reading List
Return to Table of Contents – Beginner Notaries 103

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Are you starting out as a mobile notary and don’t know which direction to turn? We know where you should turn and what you should read. So, indulge yourself in this reading list.

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

Notary information for beginners — best posts
http://blog.123notary.com/?p=10472

Why you should consider getting 123notary Elite Certified
http://blog.123notary.com/?p=20094

Real Life Notary Scenarios
http://blog.123notary.com/?p=19681

The 123notary 30 point course
http://blog.123notary.com/?p=14233

Signing Companies that hire new Notaries
http://blog.123notary.com/?p=7059

How to become a successful mobile notary from scratch
http://blog.123notary.com/?p=13340

Is having an NNA background check necessary for work?
http://blog.123notary.com/?p=10385

How to write a notes section if you have no experience
http://blog.123notary.com/?p=4173

5 or 6 reviews doubles your business
http://blog.123notary.com/?p=8484

A comprehensive guide to Notary pricing
http://blog.123notary.com/?p=16504

10 ways female notaries can protect themselves
http://blog.123notary.com/?p=19196

Signing Agent Best Practices
http://blog.123notary.com/?p=4315

Basic technical information for new Notaries
http://blog.123notary.com/?p=10472

Cattle Call Notary Offers
http://blog.123notary.com/?p=9841

$30 loan signings — is it worth it?
http://blog.123notary.com/?p=10456

2014 excerpts from great notes sections
http://blog.123notary.com/?p=13613

Wannabe #1 on 123notary? Consider this first
http://blog.123notary.com/?p=9332

What’s your monthly marketing plan?
http://blog.123notary.com/?p=9683

Names for Notary businesses with commentary
http://blog.123notary.com/?p=20765

Tips for avoiding liability with the elderly
http://blog.123notary.com/?p=20040

How much E&O do I need?
http://blog.123notary.com/?p=20183

Who is the authority at a signing?
http://blog.123notary.com/?p=20175

What’s your sign? A guide to spotting fake ID
http://blog.123notary.com/?p=19638

Winging it as a Notary
http://blog.123notary.com/?p=19644

If you are named as an identity theft conspirator, you could pay $20,000 in legal fees
http://blog.123notary.com/?p=19481

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

10 risks of being a mobile notary public
http://blog.123notary.com/?p=19459

Airplane meals vs. Oaths and Affirmations
http://blog.123notary.com/?p=19549

Ken’s list of things Notaries might goof on
http://blog.123notary.com/?p=19427

Most of what Jeremy and Carmen at 123notary offer all day is free!
http://blog.123notary.com/?p=19359

When to refuse a notarization – a comprehensive guide
http://blog.123notary.com/?p=18974

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