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April 11, 2015

Point (17) The APR; Marcy Practices Explaining the APR

Marcy’s husband came into the room and said, “It sounds like a broken record in here, what are you doing?” Marcy, having grown up with CD’s couldn’t understand the analogy. Marcy informed him that she was practicing explaining the APR. But, that the definition was long and complicated, so she had to keep saying it over and over until it was natural. Then, tomorrow she planned to do the same thing. You get in practice, and you get out of practice just as easily, so Marcy decided to always be at the top of her game.

That night while they were sleeping, Marcy started talking in her sleep, “It doesn’t include closing costs… it is compounded annually.” If her husband hadn’t already been asleep, he wouldn’t fallen asleep from such a boring rant. Her husband was sleeping during this episode, but his subconscious heard everything and he started talking in his sleep saying, “Why can’t she just stay home and take care of Chuckie? snore…. snore… Chuckie…. snore…”

So, Marcy got to her next signing. They went through the documents. Then, she said, “Do you want me to tell you why your APR is higher than your Rate?” The borrower said, “Actually, our Lender already told us.” Marcy realized that her borrowers knew more than she did about loans. But, she didn’t regret practicing. It was one less thing to screw up on some future loan. At this point Marcy didn’t care how often she had to know something, she just didn’t want to screw up and lose her self-respect. It took about seven more signings until she had a borrower who was very confused. Marcy rattled off her definition of the APR and the borrower had to ask her to repeat it slowly. After a few tries the borrower kind of understood the inverse relationship of the equation and how some of the fees and closing costs were deducted. Marcy had memorized exactly which fees were included or excluded from the formula for calculating the APR and people were very impressed with her knowledge. A few asked her if she was an Escrow Agent.

Marcy was also smart by including a disclaimer in her speech stating that her explanation of the APR was a general one and wasn’t necessarily applicable to the borrower’s particular transaction in all ways.

The next thing you know the borrowers were asking Marcy for legal advice. Once again, Marcy played her cards correctly and told them that she was not an Attorney, and that she could not answer legal questions for them. Then, she suggested that they contact an Attorney. Another smart move. It looks like Marcy went from being clueless to being a very savvy and satisfied Notary in only a few weeks of hard knocks and studying. That night in her sleep, she went “z-z-z-z-z-z.”


Point (17) The APR
The APR is one of the most frequently asked about loan terms that exists. Notaries and Mortgage Brokers almost always sound very poorly rehearsed when they explain this very basic concept. To avoid sounding unprofessional, try to memorize as much as you can about how the APR is calculated, and also try to rehearse a comprehensive definition of the APR so that you will appear knowledgeable to clients and to us when we test you!

Quick Facts

(1) The APR is documented on the Truth in Lending Disclosure.

(2) The APR is usually but not always higher than the Rate.

(3) Your definition for the APR should include the fact that it could include loan origination fees, closing costs, appraisal fees, inspection fees, points, escrow fees, notary fees, and other costs of the loan — those are some of the big ones.

(4) If you mention that the APR is often used to compare loans, you get points on the phone test.

(5) If you mention that the APR might be compounded, you get points.

(6) Several notaries have claimed that there is no government standard for computing the APR, it is up to each individual lender.

(7) You could also claim that the APR includes the interest rate, all fees and costs of the loan, and incorporates them all into a compounded Annual Percentage Rate.

(8) There are many ways to define the APR, the key is to mention all of the components in a clear and easy to understand way.


When we ask notaries about the APR, the answers we get are very inconclusive such as:

“It included the fees”
“It is the cost of the loan”
“It has the interest and fees”
“It is different from the Rate because it is annual”

How unprofessional. If you are a professional signer, you need a professional definition.

A Mortgage Company’s definition of the APR
The Annual Percentage Rate (APR) is an interest rate that is different from the note Rate. It is commonly used to compare loan programs from different lending companies. The Federal Truth in Lending law requires that mortgage companies disclose the APR when they advertise a rate.The APR does NOT change or affect your your monthly payments. Your monthly payments are a function of the interest rate as well as the length of the loan. We provide calculators to calculate your monthly payment as well as your APR.


Jeremy’s official definition of the APR
The APR is the relationship between the payments and the amount borrowed, minus the fees expressed as a compounded annual rate. This rate is often used to compare the different loans borrowers have to choose from. The APR is almost always higher than the Rate. The Rate, on the other hand, is a monthly percentage relationship between the payments and the total amount borrowed, including fees.


Fees included in computing the APR:
Points (discount and origination points)
Pre-paid interest
Loan processing fees
Underwriting fees
Document preparation fees
PMI – Private Mortgage Insurance
Appraisal Fees
Credit Reporting Fees


Fees not normally included when computing the APR
Title or Abstract Fees
Escrow Fees
Notary Fees
Home Inspection Fees
Transfer Taxes
Recording Fees


Although my delightful sounding definition of the APR sounds very professional, there is no reason why you shouldn’t come up with your own, and practice it until you sound perfect. One objection that I have is that Notaries sound unrehearsed when talking about the APR even if they have signed 10,000 loans. If you are a professional, then sound professional!


You might also like:

30 Point Course Table of Contents

30 Point Course (18-24) Technical Points

How do you explain the APR to a non-borrowing spouse?



November 15, 2013

Common Mistakes with: 1003, Crossing out, RTC, TIL & APR

The problem with the signing agent industry is that education is simply not taken seriously. Newer signing agents will take a certification course somewhere, pass by the skin of their teeth, and then say, “I’m done learning”. The effect is that their brain turns off, and there is no more curiousity to learn or thirst for knowledge.

123notary offers a lot of information in the blog which is free, not to mention a plethora of signing courses and new testing systems that are currently being experimented with. Please take advantage of the information that is out there for best results.

Here are some common mistakes that are really dumb that newer signing agents do.

(1) Call the lender about the 1003
The 1003 is always wrong. It is not a final document by the way. The natural order of documents in terms of the finality of information starts with the 1003 which is an application. This application is typed up by minimum wage workers who systematically make mistakes, and the lenders as a group seem to think it is okay to make mistakes on loan documents for loans of half a million dollars. First of all it is NOT okay, secondly it upsets borrowers, and thirdly, it leaves signing agents in a perceived quandary. They think they need to call the lender if information in this document is wrong. This is the one document you can do cross outs on. It doesn’t matter. The next version of information about names and numbers would be the Good Faith Estimate. It is once again a preliminary document and just an estimate. The final document with numbers is the HUD-1 Settlement Statement. If there is an error here — then it is time to call the lender and perhaps even redraw the documents or just cancel the entire loan process

(2) Just cross out and initial
Many lenders have low standards. We live in a world where standards are pathetically low. Just because a handful, or more than a handful of the lenders you work with have low standards doesn’t mean that you should. There exists a concept called “Best Practices”, and that concept involves not making a mess unless you really are compelled to. If names are wrong on documents AND THE LENDER IS NOT AVAILABLE (which is the norm), you can initial under the last few letters of the last name. This is clean, and the processor can cross-out after the fact or do whatever they like. YOU are not compelled to cross out. Just leave a voice mail for the lender to let them know what you did and why. If there are errors on the notary certificates, once again crossing things out is unprofessional and messy. Keep in mind these are LEGAL documents and making a mess on a legally binding document seems very questionable at best. It is cleaner to get a loose acknowledgment, staple it and start fresh without the cross outs. So, when do you need to cross things out? On the right to cancel if you need to change dates, and there is no borrower copy with the dates left blank — THEN, and only then in my experience are you compelled to cross out the old date and write in a new date and have the borrowers initial

(3) RTC
Guess what. The day of the signing is NOT included in the (3) days to rescind. Many newer notaries don’t know this. The reach for their rescission calendar because they can not think on their own. Learn to calculate, learn to count, and learn to think. Learn when the Federal holidays happen and learn to calculate rescission dates when a signing happens right before a Federal holiday.

(4) TIL
Many signers think that there is detailed information about the prepayment penalty on the TIL. Wrong. The TIL states that you will, won’t, or might have a prepayment penalty. That is not what I consider detailed, that is merely a tidbit of information.

(5) APR
Few if any newer signing agents, or even experienced signing agents can discuss the APR and sound professional doing so. Learn and memorize a professional sounding definition of this figure so that when asked, you will be able to answer FLUENTLY, even in your sleep.

You might also like:

How do you explain the APR to a non-borrowing spouse?

Minimum competency guide discusses RTC, APR, Journals & more


May 18, 2013

How do you explain the APR to a non-borrowing spouse?

I was talking to a notary on the East Coast. I was going to ask him a loan signing question, but then he retorted back a question in my direction before I could ask my question.

How do you explain the APR to a non-borrowing spouse?, he asked.

I gave him my routine mathematical definition of the APR and he was impressed. When he asked the question, I was thinking that this is a great question. It sounded like a trick question, but it actually is a very reasonable question. It suddenly occurred to me that the non-borrowing spouse is the epitome of a lay-person, and doesn’t understand complicated terms such as “amortized” or “finance charges”. If you have an MBA in Finance, you might not be the best person to explain an APR to someone’s wife. So, part of the genius of this question is that it tells you to use layperson language without telling you directly.

The other great aspect of this question is that it gives the opportunity to tangent goers to go off on a tangent — and they take this opportunity. I ask this question to many people, and 20% of the people go off on a very long explanation of what documents the non-borrowing spouse has to sign. But, that has nothing to do with the question. They didn’t LISTEN. This is a good listening and tangent going question. You learn very quickly who listens, and who can talk as well.

People notoriously leave out 90% of the meat of the answer when describing this confusing and diabolical term.

“It includes the fees”

Trust me, it includes a lot more than the fees.

“It reflects the cost of the loan”

Trust me, it also includes your interest as well as whatever the cost is.

“It’s usually higher than the rate”

Boy, are we being vague.

“It includes interest and fees”

Better, but very uneducated sounding.

Most answers to this question are either missing the target, or miss the main point of the APR.

The APR is a RATIO that is based on the payments relative to the total amount financed after: some of the finance charges, perhaps points, perhaps loan origination fees, PMI, and perhaps other fees have been deducted — and is reflected on a compounded annual rate.

I am not a lender and don’t know the “Real” definition. But, how the APR is calculated can vary from state to state, and from lender to lender. So, there is no absolute definition, but only definitions that are approximate. Unfortunately, the definitions I am hearing from the notaries are overly simplistic and generally just plain wrong!

You might also like:

What traits do escrow officers look for in Notaries?

The Right to Cancel Done Wrong

The 30 point course guide to the APR

Common mistakes with the APR


March 1, 2021

The devil caused the shutdowns, but it makes no sense what he did

Filed under: General Stories — admin @ 3:20 am

I am a firm believer that the angelic forces are cleaning up the evil in this world. To do so, they had to let the evil come to the surface, or elected to do that. In any case, since about Oct 2019 until now, and according to angelic sources until early April 2021, a lot of evil forces are lingering around causing a lot of trouble.

What they do:
1. Influence politicians to do evil things that make no sense like allowing people to walk on wet sand but not on dry sand, closing businesses, or limiting how many people can come in a building. This is oppression, and the demons love it. It is not for your safety. If they cared about your safety the demons would recommend you take Vitamin D. D for Demon. But, they prefer to see you suffer so they can do their evil laugh. Hmm hmmm hmmm hmmm hmmmmmmmmmmmm.

2. Cause people to go insane or have what I call CovidMania. A mental disease where you can only think about Covid or only be concerned about Covid. No other concerns matter. In real life 20 year olds have almost no chance of dying from Covid yet they run around like maniacs terrified that they will get Covid. They are not afraid of cancer. starvation, persecution, war or other likely causes of death — but, only Covid, Covid, and nothing but the Covid. I know so many people everywhere I go that have subscribed to this demon-induced insanity.

3. Cause depression that leads to suicide, drug use, and lethargic behavior.

4. Cause people to act aggressively towards others, often due to unnecessary or overly oppressive covid restrictions. This happens a lot at supermarkets.

The devil allows marijuana and liquor stores to be open, but not bars or comedy clubs. I thought the devil likes inappropriate and immoral jokes. Perhaps bars cause too much happiness and that is the problem.

The devil allows supermarkets to be open, but with limited quantities of humans allowed. But, why don’t the markets just extend their hours so that there will be less lines and less congestion or have their stores partially outside? It once again makes no sense. I think the devil is not so bright.

If you don’t believe in God, you are much more prone to fall to paranoia, depression, drugs, and aggressive behavior. I believe in God. I am frustrated with the situation, and am moderately depressed. But, I am not engaged in substance abuse, insane paranoia, or aggressive behavior except when I defend myself from other people’s offensive control tactics and harassment. Without God on your side, you leave yourself wide open. And belief is not enough, there needs to be faith of caste iron. I don’t see that in too many people.


February 22, 2021

Does my welcome call boost your confidence?

Filed under: Advertising — admin @ 4:12 am

When I make welcome calls, the purpose is to get your information straight, answer any questions you have, and to acquaint myself with you. Most people don’t like to talk much, and have very little input to give me. But, there are always a few who are bright and bushy-tailed and have lots of insecurities and questions about the industry.

I try to help people decide how much E&O to get, and whom to get it from. What certification course(s) to take and why. I recommend ours as well as other agencies — they get free sales work from me (how nice of me.) How to contact companies, how to get reviews, and what to think about as a new signing agent. I help with all of these things.

It is hard as a new signing agent. It is hard to have confidence when you really don’t know which end is up or what your end of the bargain is. The fact is that you don’t need to know much about the documents, but you do need to know how to market yourself and handle situations.

Basically, whatever they teach in certification courses is the opposite of what you need to know — not that I am knocking traditional knowledge. You need to know where basic information is in the documents — where the rate, APR, prepayment penalty, 1st payment due, fees, closing costs, etc. you need to know why the rate is lower than the APR and how to date the Right to Rescind. You need to know how to be a good Notary — that is a little harder. But, the hard part is how to get used and handle difficult companies. We teach this if you read our marketing materials in our blog.

I hope I can help you with your confidence. The honest truth is that knowledge and a little experience go a long way. So read our tutorials on the blog and study from various sources and be solid in what you know. I feel confidence in others when they are solid. You can feel confidence in yourself when you are solid.


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?

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.


February 9, 2021

Best quotes about fighting tyranny

Filed under: General Stories — admin @ 3:15 am

The tree of liberty must be refreshed from time to time with the blood of patriots and tyrants — Thomas Jefferson

When once a Republic is corrupted, there is no possibility of remedying any of the growing evils but by removing the corruption and restoring its lost principles; every other correction is either useless or a new evil — Thomas Jefferson

Democracy is four wolves and a lamb voting on what to have for lunch. — Ambrose Pierce

If tyranny and oppression come to this land, it will be in the guise of fighting a foreign enemy. — James Madison

If tyranny and oppression or (CovRanny and CoronaPression) come to this land, it will be in the guise of fighting a foreign disease. — Jeremy Belmont


February 7, 2021

Face mask laws are illegal and here’s why

Filed under: General Stories — admin @ 3:15 am

Executive orders cannot contradict existing legislation. If they do, the supreme courts can shut the order down. However, the system of checks and balances seems to be on vacation due to bribery or pure laziness, (or stupidity.)

If you enforce a Face Mask Order, in my lay person opinion you are guilty of treason. Why such a serious accusation for such a reasonable action?

1. By enforcing a face mask order as a security guard, etc., you are aiding and abetting a rogue governor acting as a dictator or emperor to violate your right to liberty. Liberty is a constitutional right. If you help someone to violate the constitution, you are personally violating the bedrock for which our nation was founded — and that makes you an enemy of the state which is high treason.

2. Face Mask Orders are not legislation. Enforcing an order which is not a law means you are enforcing a dictation that did not go through the legislative process, is not codified, and was not subjected to any checks and balances — it is arbitrary, and not a law. And with this type of order, the Governor could tell you to do just about anything whether it makes sense or not — and they do. Remember the wet sand dry sand Covid-19 debate? If you don’t, then you need to “follow the science.” (what science? BS!!!)

3. Face Mask Orders violate the Federal Disability Act which stipulates that it is illegal to discriminate against someone with a disability. If you have a heart or lung problem, a liver problem or breathing problem, it might be difficult to breathe or dangerous to wear a face mask. Businesses open to the public must provide reasonable accommodation or modifications to suit those with disabilities. These include handicap ramps, etc. But, the rights of those with heart problems – and there are many, seem to be overlooked. Moreover, nobody seems to care about the effects of my heart problems and the indifference I receive from society — which is heartbreaking (literally) and causes physical discomfort to my heart. Love is good for the heart, cruelty, hatred and indifference are not so good.

Furthermore, it is dangerous for some people to wear a facemask as it can cause rashes, legionnaires disease (which is deadly and arises from bacteria contained normally in water droplets or mist that could be on a face mask. But, your BOC (BLOOD OXYGEN CONTENT) decreases when you wear a mask, and I have seen documentation of a young lady who passed out as a result. There were no warning signs. Her oxygen level took a dive and she just fell. This was documented on youtube just for the record and I don’t remember the person’s name.

Forcing someone to wear a face mask is forcing them to endure deprivation of their LIBERTY, it is dehumanizing for many, it could be considered animal treatment, it is humiliating to be forced to wear something against your will, it decreases your oxygen level which could cause a vulnerable person to gasp for breath (me included) or even lose consciousness. And all of this in the name of alleged safety. Slowing the spread of Covid does not make you safe, it just means that the same amount of people will get infected in subsequent months. How is it safer to die in April rather than in February?

It is not fair to force a healthy person to quarantine or wear a mask or take other protective measures. Liberty means you can do what you want so long as you don’t pose an unreasonable amount of risk to others. You are allowed to drive a car, and you could cause a dangerous accident — but, just as long as you aren’t blind or a reckless driver, society assumes that risk without complaint. You are allowed to drive 65 miles per hour on a freeway while it would save lives if we only drove 10 miles per hour. Society assumes a reasonable amount of risk as it weighs the benefits of driving faster vs. the safety precautions.

Nobody forces a vulnerable person to be in public, but if they choose to do so, they should do so assuming a reasonable amount of risk — the risk that others might be asymptomatic spreaders, or have some other communicable disease. The risk that someone might bump into them on the sidewalk. And the risk that someone might speak to them in French at the cafe at the airport (yes, it happened to me, and I survived.)

I think we should make a law that forbids any ship from leaving the harbor, because it might get in an accident if it goes into the sea. What if the water is choppy, or there is a storm? Therefore ships should just stay where they are and look pretty.

I think that society has lost its ability to reason and be even handed. This will result in the destruction of our nation and tremendous starvation overseas. The vaccine which openly announces is intended to mutate your DNA to help you fight Covid-19 is dangerous and will almost definitely cause widespread and irreversible disabilities, cancer, mutations, and death. So, we are going to endlessly slow the spread by depriving innocent people of their liberty and then the vaccine will be the only thing that can save us — except that the vaccine is actually the one thing that is the most dangerous for us and will cause a million times as many deaths as Covid-19 causes. Remember — only 6% of Covid deaths reported are deaths where the person died from Covid-19 with no comorbidities. That is about 20,000 deaths in 2020 which is less than from traffic accidents and less than six years worth of swimming pool fatalities. When you look at real numbers on real news (non-lamestream media) the situation looks different. To me what is going on is genocide plain and simple and the Americans in their infinite stupidity are buying it hook line and sinker. They will come to their senses far after it is too late.

If you sit and do nothing about face mask tyranny you are betraying America, liberty and justice all in the false guise of “saving lives.” Can you prove to me that you are saving even one life?

Give me liberty or give me death!!!! — Patrick Henry (Virginia)


January 30, 2021

Warm and Fuzzy information about you

Filed under: Your Notes Section — admin @ 1:34 pm

It is very hard for me to teach people hard to write warm and fuzzy information about yourself. I would prefer to say, read other people’s notes sections and get a sense of what some people write that has a nice feeling to it.

I read a notes section written by a woman who loves her job and loves meeting new people. That came across as very sincere and warm. I don’t know if she is any good as a Notary, but I might be more inclined to try her (if I were in a hiring position which I am not thank God) than someone else who sounds generic.

Then there are the people who are “reliable” and “responsible.” Anyone can say that about themselves and it sounds phony and usually is. Say things that you can say about yourself that few others can. Most people do NOT like meeting new people, at least not random new people unless they work at Farmer’s Market in the nuts section — those macadamias are great, but $25 per pound? Ouchie!

And then there are the people who know where their nearest Fedex station is, and where the other ones in their general area, and when the cut-off times are at each location. This looks very prepared and thoughtful, and somewhat unique. Some people write about this, but only one or two percent of the total.

Next, there are the people who ramble on and one with inconsequential and meaningless banter about how the client is of utmost importance and how they will protect the information in the documents at all cost. This is a little like stating that you promise not to vandalize the borrower’s house when you get to the signing or park on their lawn. It goes without saying. But, some people will write five paragraphs of this type of nonsense.

Finally there are the people who talk about their hobbies and kids. Not sure this belongs on a Notary profile, but you could put it at the bottom if you keep it quick. People do want to know what you are a real person and have a personality.

Humor and classy lines are another thing that few add to their notes section, but it adds quite a punch to someone’s listing.

One lady brought crayons and dog treats to the signings. That is pretty unique and might be appealing to people.

Former scientist specializing in test tube signings

Former police officer — call me for an arresting experience

Ex-Military, I like my notes section to have mostly bullet points. Oh, and I’m always on time. My motto is, “Hurry up and wait, but not in your
driveway because that would be creepy.”

I am also a clown, but I promise not to throw pies at the borrowers, unless you pay extra for that.

Former therapist. And yes, I promise not to ask the borrower how their APR makes them feel or ask them how their relationship was with their mother. And once again, when we finish the signing, I always say, “I’m afraid our time is up.” That’s my signature phrase.

My parting tips would be to look at the notes sections of some of the high placed notaries in the various large cities. They are paying the most and sometimes (but not as often as they should) put a lot of effort into their notes sections. As usual, I am happy to proofread your notes section, but I can’t do it if it is a one liner. You provide the content, I provide the reorganization and commentary. Sounds fair to me.


January 23, 2021

Is the current societal situation depressing you?

Filed under: General Stories — admin @ 8:50 am

My previous guru says that we are all the masters of our mood. My current guru claims that your environment is more powerful than you are to control how you feel and your general consciousness. This philosophy dictates that we should choose our environment(s) and choose them cautiously. However, My environment where I live is generally good. But, with the Covid-19 situation and the demonic vibe in the atmosphere, my mood was effected.

I became more depressed, and despondent. I saw no hope in the future. I saw no hope in humanity. I am writing this in December 2020, and the vibe in the air is clearing up. There is not as much evil.

The angels told my psychic that in April 2021, the evil would be mostly gone and that there was a huge battle happening in heaven between the forces of good and evil. Down on earth, there was also a battle between those that value the constitution, America, freedom, and those who want to ruin that and ruin us. So, the war manifests itself in multiple realms — even perhaps in the underworld (wherever that is… think downwards.)

The forces of evil gave a lot of encouragement to the rioters, and governors who trample on our civil rights. These forces also make us feel depressed, and cause some to commit suicide or act more antagonistically than normal.

I’m trying to do the best I can under this situation. I do spiritual exercises to clarify the outer environment. I also leave Los Angeles to tap into more healthy atmospheres. Arizona and New Mexico had a better spiritual atmosphere. The irony is that the air is clean in Los Angeles because few people are driving, so the physical atmosphere is not bad here.

Not sure how you guys are doing, but I’m just scraping by on an emotional level.

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