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May 2, 2018

Do a Half Fast Embossing

Filed under: Ken Edelstein — admin @ 11:21 am

Do a Half Fast Embossing
I hope you did not read the title quickly. I accidently included the word “Fast” in my title, sorry. My suggestion is actually to do a half embossing. Sounds odd? What did you expect from me? Let me attempt to redeem what little remains of my reputation.

Ever notice some packages include an extra acknowledgement or perhaps a few. It’s probably not that they are planning something nefarious, just planning some illegal flexibility. They want to have those completed notarizations (on a separate sheet of paper) so they can be used on a document that they forgot to include. Or, equally likely, on a document that has to be redrawn, without the need for the “inconvenience” of an additional notary visit to their client.

Sometimes the provided acknowledgement form provides an area for filling in exactly what signature is being notarized. That is not a failsafe protection for the notary. The proceeding document can be swapped and resigned; with the “what this ack applies to” information being the same – just a part of a page in the middle of the mortgage needed to be changed. Thus, your acknowledgement is now following a signature you did not witness even though your carefully filled in description precisely matches the numbers on the replaced mortgage.

When the notary section is on a separate page it can be a challenge to definitively associate your notarization with the actual and specific signature being notarized. Some have used the time honored methodology of embossing the signature page of the document and the following ack at the same time. Generally this works poorly as most embossers are designed for a single page of about twenty pound stock paper. But, playing devil’s advocate (a familiar role for me) let’s assume you have been to the gym often and give that embosser a mighty squeeze. OK, now there is a clear impression on both pages. Problem solved? I think not.

When the newly signed mortgage is followed by your embossed ack it looks routinely normal. It’s not “usual” for the signature page to be embossed if it does not include a notary section. Nothing was gained by adding an embossing to the mortgage signature page. Nada. So, now that I have dwelled on the problem, let me offer a solution that works for me.

What follows is “a solution” not necessarily the best solution to mating a following ack page to the prior signed page. It’s simple, do a half embossing. First do the routine job, with your regular embossing on the notary page. Subsequently lay the mortgage signature page to the left and your notarization page to the right; both side by side flat on the table. Then emboss such that half of your seal is on the mortgage page and half on the ack page. Yes, the ack page already has both your stamp and embossing. Now you will be adding half of your embosser to each page.

Now, unless your acknowledgement is held alongside the prior page it will look quite odd, where is the other half? It already has your complete seal, why only half at the bottom? I’m not a lawyer but someday I might be a witness. If asked did you notarize this signature and the notary part has half my embosser and the mortgage does not have the other half…. Let’s face it; we get peanuts for our exposure to litigation. Anything we can do to strengthen our “shields” for the day when we are called to testify and defend our actions – is worth a small bit of extra effort.

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January 30, 2018

The one Notary who used an embosser was the one notary that…

Filed under: Technical & Legal — Tags: , , , — admin @ 11:06 am

A week ago was the first time I ever talked to a Notary who used a secondary embossed seal. Notaries are required to use an ink seal for notarizations. However, many states will allow for a secondary non-inked embosser seal that leaves a raised impression in the paper you notarize.

The raised impression cannot be photocopied.
The raised impression is not easy to forge
The raised impression can go on each page of every document you notarized.

The purpose of the embosser is to deter people who want to swap pages in a document after it has been notarized which is tampering and illegal. Some Notaries emboss several pages all together, while other Notaries emboss pages one by one. There is always a danger the document custodian could swap pages with another document you notarized so it might make sense to emboss a different part of the page each time you emboss. Not sure how to coordinate that. Would you emboss on the left of the page on Mondays or use a random way to figure out which part of the page to emboss.

The irony is that someone did swap a page on a Deed embossed by this Notary. One of the people in the transaction contacted an Attorney since the dollar amount on his copy was different. The Notary had to appear in court, however, since the swapped page was not embossed, the lack of embossing was another layer of evidence used to nail the culprit two or more times over.

The one Notary in the East Coast who uses an embosser to deter page swapping was the one Notary that page swapping happened to in my experience talking to tens of thousands of Notaries. How ironic. I never would have guessed. I guess the Notaries who aim to catch frauds are the ones who karmically do. Another Notary in California routinely catches identity thieves by handing over thumbprint to the FBI. I guess she is tuned in to catching really really bad guys too.

Maybe one day you will catch a bad guy, but it won’t happen unless you take precautions such as keeping a good journal with thumbprints, full names of documents, document dates, other info about the documents, use an embosser, and the list goes on.

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August 26, 2015

Do you use a Notary embosser?

Filed under: Technical & Legal — Tags: , , — admin @ 11:07 am

I read a discussion on Linked In about using an embosser for Notary work. I realize that I used to write about this a lot long time ago. Perhaps it has been since 2010 or 2011 since I have written about using an embosser. Here is what you need to know.

(1) Each state has its own rules about using seals and embossers. Some states don’t even require using a Notary Seal. I personally feel that it is not professional for a notary not to use a Seal and a Journal for all transactions regardless of what their state’s standards are. I have not heard of a state prohibiting the use of seals and or journals, although many make it optional. If you need to query a critical record for a Deed for a million dollar property, that will be impossible if you don’t keep a sequential journal!

Some states allow the use of a secondary non-inked embosser. Ask your state notary division if your state allows this. California allowed the use of an inked seal, and supplemental use of a non-inked embosser when I was a California Notary Public. As a general rule, if you are allowed to use an embosser as a primary seal, it must be inked. However, I recommend using it as a secondary seal because it doesn’t fit in small places, the text is round and hence harder to read, etc.

(2) Embossers help to deter fraud.
The correct use of an embosser as a secondary notary seal is to emboss each page of every document you notarize. That way frauds will think twice about switching pages after the fact which is a common crime.

(3) Embossers help to identify fraud
If someone is stupid and decides to commit fraud by Xeroxing a notarized document, the embosser’s three dimensional raised impression will not show up in the photocopy. Additionally, if a page is swapped, you can easily identify that page by its lack of an embossed impression

(4) Embossers don’t deter fraud unless you use them on every page of every document you notarize. If you get an embosser later in your career, make a notation in your journal of the date when you started using it, and keep notes in subsequent journals of when you started using it. The notes go in the COVER of the journal where you can’t miss it. That way, if any of your notarizations are investigated, you will have easy to query records of when you were using an embosser and when you weren’t. And remember, if you only use it on some documents, if a fraud is committed, you won’t remember if you used your embosser or not, so use it on every document and on all pages, no matter how many pages.

(5) Some people like to put the embosser through all the pages of a document all at once at a particular part of the document. This technique would make it obvious if someone used a forged embosser after the fact. The location and nature of the impression of the embosser would be different and lighter on each page that it went through. I didn’t use this technique because the impression would not be legible if it went through more than several pages. I did each page separately. Some notaries even put the embosser at the edge of the paperwork so only half of the embosser’s seal goes through the paper and the other half goes through air.

(6) The NNA and other notary supply companies can help you purchase an embosser. They cost around $30 when I was a Notary. They might be more now. You might need a letter of authorization from your state notary division to purchase one. Good luck!

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September 8, 2019

The Notary Pride Parade in West Hollywood

Filed under: Humorous Posts — admin @ 11:01 pm

We are having a Gay pride parade or event in West Hollywood. Lots of people were practically naked and the clubs were booked. You cannot drive through that area without huge traffic problems. A waiter asked if I was going and I said, “Hell no!” I don’t want to be molested. Gay people in this area tend to reach out and touch someone. Why can’t hot women be the same way? If we only lived in an ideal world.

But, I think that Notaries should have a Notary pride parade. Except the Notaries should not get naked please. Maybe if you are 20 years old and hot, but not the over 50 crowd please.

There could be a Notary float with a huge notary seal on it — inflatable.
Another float could have signatures hanging on it and off it.
A third float could have an embosser.
Other floats could have documents or certificates.

Notaries could dress up as notary seals or documents or signatures. It would be like Halloween — notary style.

Good God this sounds scary. I think I like it though. I just hope none of the signatures in the parade are false otherwise it would be a falsified parade. What do you guys think?

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September 3, 2019

Should you include Kleenex in your notary bag?

Filed under: Humorous Posts — admin @ 10:57 pm

One Notary on NR had a signer who burst into tears and left the room. I guess she didn’t like the terms of her loan. I have never had that happen thank God although I had some moments where borrowers were not filled in properly and had lots of last minute questions.

If someone starts crying, you will look a lot more professional if you have a box of Kleenex on your person. I guess it might not fit in your bag unless you have the Kleenex travel pack for air travel. But, you will look more professional if you have it even if you don’t need it.

You could do show and tell to impress the borrowers. “Check out my notary bag contents – I have a stamp, embosser, law primer, ack forms, jurats, permission to travel, copy certification, pens, stapler, oh, and don’t forget — Kleenex, just in case the borrower doesn’t like the terms of their loan.” How professional!

I heard in the future there will be a new app to get therapy from Siri.

NOTARY: Siri, the borrower doesn’t like the terms of their loan.

SIRI: How does that make them feel?

NOTARY: Bad

SIRI: What was their relationship like with their mother?

NOTARY: Bad

SIRI: It looks like the problem lies within and not with the loan documents.

NOTARY: Thanks Siri, I think you are in the wrong line of work. You should be a cheesy guru instead of an app. Maybe you can call your service iGuru. Whatever they ask, tell them — the problem is coming from within. You’ll have thousands or Hindus following you overnight. Canned answers work with certain crowds.

BORROWER: Sob. Yes, it is true. The documents are not the problem at all.

NOTARY: Does this mean you will keep the loan?

BORROWER: Of course not dummy. The Lender is trying to rip me off? Boo hoo hoo.

SIRI: Time to offer them one of those Kleenexes you have in your Notary bag.

NOTARY: Oh yeah. Have a Kleenex.

BORROWER: Thanks, you are one of the most considerate Notaries I’ve ever had. Will you marry me?

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September 1, 2019

How to effectively pick up Notaries

Filed under: Humorous Posts — admin @ 10:55 pm

Are you trying to pick me up?
Well I’m not putting you down!

If you want to date Notaries, you need to ask yourself a few pointed questions. First of all, why? Notaries are one of the most downtrodden professions in the world. Mostly they whine about not getting paid, yet do nothing to ensure that they do. Based on the fact that out of 7000 Notaries on 123notary, only about 100 or so have attained and kept our certification it seems that few have much knowledge or are concerned with proving their knowledge yet most make unsubstantiated claims to knowledge. Sounds very phony. Additionally, mobile Notaries have a tiring life on the road getting jerked around from job to job, having jobs cancelled and sometimes not getting paid. So, once again, why would you want to date a Notary.

ME: (back in the old days) Sign here please.

GIRL: Oh, I’m so excited to meet you. Do Notaries get paid well?

ME: Oh, about $3000 to $8000 per month on a good or bad month.

GIRL: Cool…

That girl was so excited to meet me that she scared me off, and besides, she wasn’t my type. But, she was the only girl who wanted to date a Notary, at least, during my shift.

The next order of business is: where would you meet Notaries. You can meet Notaries at the NNA convention, but they might not live in your area. You can also meet Notaries by having them come to your house to notarize something. You can call all the Notaries in town and chat them up to see who is up to your standards. You could also go to the Notary bar where Notaries hang out. The county clerk is yet another place where you can meet Notaries doing their Oath. Just wait until they say, “I do” to support the constitution of the USA and then say, “Hey baby, wanna date?” Sounds cheap, but it works.

If you have an age range you normally date, keep that in mind, because most Notaries are 50-80, so if you want to date younger people you might be out of luck. Younger Notaries might work in a bank or insurance company, so don’t give up, just avoid the mobile notaries if you focus on younger Notaries. But, if you do want to date a younger Notary, people might say, “So, you like younger Notaries…” with a smirk on their face.

So, now you have some ideas on how to date a Notary. The next issue is where to take your Notary on your date. Do you go to Cafe Le Jurat, do you get certified angus beef burgers, or an embossed giant oreo cookie? That choice is yours.

One lady tried to pick up a Notary walking down the street near the Secretary of State’s office, but she couldn’t get the Notary to acknowledge her (sorry, bad pun.) He just walked right by her. Then she chased him and swore at him. He said that you swear under Oath and not with profanity.

So there you have it — a complete guide to picking up and dating Notaries. Let me know if you have any questions.

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August 27, 2019

Notary class where students are full of wise cracks

Filed under: Humorous Posts — admin @ 10:52 pm

TEACHER: Okay class, please turn to page four.

CLASS: Yes, teacher.

TEACHER: Now who can tell me what an embosser is?

JOHNNY: An embosser is a type of notary seal that leaves a raised impression.

TEACHER: Very good Johnny. You may sit down now.

JOHNNY: Does that raise your impression of me?

TEACHER: Yes Johnny, you are a fine young man.

TIMMY: Will he get a raise?

TEACHER: Enough out of you Timmy. No raise for you. Now, a Notary must keep a journal of Notarial acts, does any one know why?

TIMMY: Because the state makes us?

TEACHER: Yes, Timmy, but I was looking for more of an intrinsic reason.

TIMMY: Umm, because it would look more official?

TEACHER: No class, it is because you need a record of what you notarized just in case someone claims that the particular document was fraudulently notarized. Now, do we know why the State of California requires thumbprinting for recorded documents and Powers of Attorney/

FRED: Umm, so you get to hold the signer’s hand… like if she is a hot woman?

TEACHER: No, it is because an identity document can be forged but you cannot fake a thumbprint, at least I don’t think you can. So, how would you rate this class so far?

JOHNNY: Two thumbs up, but two thumbs not from the same signer as you are only supposed to use the right thumbprint in your journal unless it has been amputated.

TEACHER: Very good Johnny, that is the first intelligent and non demented thing you have said all semester. How did you acquire this knowledge?

JOHNNY: I broke down and actually did something called (pause) reading.

TEACHER: God forbid! Now how do we fill in a certificate?

TIMMY: Won’t it fill in on its own shortly after it hits puberty?

TEACHER: Only if it is a female certificate Timmy. But, good try. You need to fill in the county, name of notary, signer, date, and cross out unnecessary information in the pronoun section. But, the optional information below is also critical. You should mention the number of pages in the document, the document date, and the name of the document just in case someone wants to put that certificate and attach it to some other document.

FRED: Hmm, I think we’re on the same page here. But, I didn’t know documents had dates. Do they kiss on the first date?

TEACHER: I think that depends on — what kind of document it is.

TIMMY: I tried kissing a document and it said very loudly, and I quote — “I’m not that kind of document.”

TEACHER: Well, if you are the one trying to kiss it, I think that most documents would say the same thing.

JOHNNY: Yeah, maybe you should try to kiss a blind document, that way it would not realize what it was kissing.

TEACHER: Another intelligent point Johnny. We are really on a role now! Well, that concludes class for the day. Thanks for coming. Don’t forget to initial on your way out!

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July 31, 2019

Ken’s take on how to be a bad boy-girl aka person — Notary

Filed under: Ken Edelstein — admin @ 7:48 am

I have been asked by our foolish fearless leader to scribble on the subject of being a “bad boy notary”. It’s not often I get to dwell on all the wicked and evil things I do. Usually I try to present myself as an honest and thoughtful human. Mindful of the fact that my eternity will be in the proverbial warm place; perhaps this confession will warrant my captors to provide some mercy. Unfair Advantage against local peers.

In this competitive environment ya need an edge. Switchblade knives land people in the pokey so I have devised other edges that crush the competition. I have a car parked in an in and out as I please parking spot – 50 feet from my front door. That allows me to have with me two heavy kits. The first is for Notary, the second is for Fingerprinting. Parking is impossible in most of NYC; so I have drafted my spouse as my personal chauffeur. Thus I get driven in a somewhat beaten up Honda Civic to assignments. Spouse drives around the block till I call for pickup. That allows me to bring in an awesomely complete set of supplies, not having a heavy bag to carry everywhere. Fast or Slow the Advertising is Gung Ho.

I use Goobers pay per click. But, my bids are very very low. Some of my key words are a bit off the wall, so nobody bids higher. I don’t get many clicks, by design. But those that I get go to my site and then they are hooked. I put a lot of effort into my site. A lot. I even have an easy to remember redirected link notary.fm (no .com) that goes to the more lengthy site bearing, in all humility my name. It’s wordy; it’s lengthy, and even somewhat entertaining. It’s not just better than others, it crushes them. Add a hot link to my A+ BBB accredited status and they are in a rush to prepay to my PayPoo account. If your advertising budget is tiny, I am delighted. Bribery Works.

But you have to know who and how to pull it off. If I were to offer the office manager who hired me a dollar bill on my way out – they would be insulted. A dollar? But, the tiny keychain flashlight that I buy, by the thousands, costs me under a dollar each. Some clients call me back just to get another. While on site I also bribe the affiant. This does not work with loan packages; but most of my work is corporate documents. I ask them to have a duplicate ready so I can process two copies – no extra charge (the duplicate request is made after fee agreement) – they perceive the cost per copy as being half of my fee. Bribed with a sign, stamp and emboss. I probably have more reviews than you.

The big secret: ASK for them. Write a well written plea for a review. Install it on your home PC and on your cell phone. I don’t do a better job notarizing documents than you do. In fact most squirrels write and notarize neater than I do. But the little rodents don’t send email. Ask for that review, via email – as soon as you are out of the building. While they are reflecting on the good job that you did and that you were a bit early. Also you explained why you had to change the Venue so they do not worry later about an unauthorized change. Share your knowledge for free. Some of my reviews were earned with only phone conversations, got no money, but nuther one!

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July 29, 2019

Defend Your Notary Section

Filed under: Ken Edelstein — admin @ 2:24 am

It seems so routine. You check/correct the Venue, check the identification, watch them sign, administer the oath, stamp and emboss; and lastly add your signature. They swore or acknowledged to what they signed – but SO DID YOU. Did you read what you are being asked to sign?

You are the boss
Don’t let anyone tell you what they want or need in the notary section, especially if it varies from your jurisdictions’ standard. I’ve seen absurd directives admonishing me to not make any changes to any preprinted text. Well, that applies to the body of the document; “they” have no authority over the notary section. Only you do. Sure, you want to please your employer; but it’s more important to “please” the Judge; so you are not questioned in court about what you did.

OPP – Other Peoples Problems
She took title in her maiden name. We understand that she now only has ID with her married name; but we still need you to notarize her former name – directly in the notary section. They have it a bit backwards. I can accept an original marriage document to prove her new name; but not the reverse. That marriage document shows a legal change of name; the former name is no longer her legal name.

Sworn to before me by Mickey Mouse rightful heir to the Dizzy estate. The attorney who wrote that would love to have my “office” as a “public official” add to the claim of Mr. Mouse. Time to redact that absurd addition. More common is the addition of a title or office. Sworn to before me by Minnie Mouse CEO of Mouse Enterprises. As told to me by the NY County Clerk “you notarize just the name as on the ID”. But there is a minor exception. When Minnie signs over the wording with her title and the little word “as” is added: “by Minnie Mouse as CEO…..” that’s OK.

Who did you Notarize
Often the Jurat does not include a name. Just “Sworn to before me on….”. Their signature is usually illegible, so I ask them to neatly print their name under their signature. In a related issue, often with corporate documents; is the issue of proper “ownership authority”. If their name does not appear in the document by what right are they asking me to notarize their affidavit of photocopy? In such cases I ask them to print under their signature their “authority to have” – such as Clark Kent, Managing Partner of Superman Inc.

Who Swears To
Answer: Both the affiant and the notary. As a sworn public official you are an officer of the court issuing an official document. One that can be used as evidence in a court of law. Every word in the notary section signed by you is, in effect, your sworn statement. Even the worst lawyer in the world will admonish you to not sign a document without reading it first. But do you actually read each notary section prior to signing – I do; and so should you. Judge to Notary: You stated that the defendant was the “authorized representative” of the Plaintiff – how did you determine that?

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July 20, 2019

Father and daughter notary event

Filed under: Humorous Posts — admin @ 4:42 am

In another article I wrote about a father and daughter notary team. But, what about a father and daughter notary event? What would the activities be?

ANNOUNCER: Now, it is time for the embossing contest. Which team can emboss the most amount of pages in living wills?

GIRL: Don’t those have about 60 pages per document?

ANNOUNCER: Yes!

GIRL: I’ll try and I hope I LIVE through it otherwise I will need a living will.

ANNOUNCER: Actually then you will need a dying will.

GIRL: Oh, I’m dying to get one of those.

FATHER: Honey, I don’t think you need one of those quite yet. You just turned 18 and are only on your first commission. You won’t expire yet unless you get hit by a truck on the way to an Affidavit signing. Hey, it happens. That is why I got you a car with airbags.

GIRL: Isn’t my father great?

ANNOUNCER: Now it is time for the refill the notary stamp with ink competition. Ready, set, ink up!

GIRL: This competition is so messy. I wish I could skip it but it is such good practice. I might need to do this in real life.

FATHER: Might? You need to do it every year if you stay busy.

GIRL: I’ll stay busy. I’m on the database for 200 low-balling signing companies. If my price is low enough, they will work me into the ground and then not pay me.

FATHER: Sounds like a good long term plan… not! Make sure they pay you before you do anything more for them.

ANNOUNCER: Now it is time for the jump on the notary stamp contents. You make a giant stamp in this twenty foot long piece of paper.

FATHER: I’m so out of shape. I really need to get to the gym more.

ANNOUNCER: This is just like a gym and will get you in shape. Do jump to stamp daily and you will lose a pound a week.

GIRL: Okay, I’m jumping… how was that stamp? Oops, I bet the county recorder won’t like that one. I hate having to stand on this giant stamp.

ANNOUNCER: And the winner of the day is Jack Stampman… great name for a Notary by the way.

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