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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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December 13, 2019

Notary Circus

Filed under: Virtual Comedy Themes — Tags: , — admin @ 8:37 pm

Welcome to the Notary Circus!

In ring 1 we have John Quincy, Notary Public. He will be doing a juggling act with not two, not three, but five Notary seals, and embossers. Oh wait, he is throwing two of the seals to his partner Vicky who is not standing on her head while juggling.

Meanwhile in ring 2, we have ten clowns getting into a small car presumably to go to a signing. Oh no, they can’t fit in. The signing will have to be delayed. I hope the borrower will not lose their loan. What a bunch of clowns.’

But, wait, an elephant is entering the scene with smiling Notary riding on top. But, where will this elephant end up? Oh, it is going to the signing and leaving the clowns behind. Personally, I don’t think clowns should do this type of legal support work — it is just too critical. Wait — a little house is being wheeled in with borrowers inside. The elephant is stopping, the notary is dismounting the elephant and is notarizing with a huge oversized notary seal.

The notary finishes the signing, takes a bow. Wait — now, a clown is approaching him with something behind his back — what could it be? Oh! The clown has a pie and throws the pie into the Notary’s face. I bet that clown works for a non-paying signing company, or at least desires to have the same effect on the Notary.

Now, in the back, a notary and signer are walking the tight rope. The notary will do the signing suspended in mid-air. Wish him luck. Fortunately there is a net to save him. We call the net E&O insurance for circus Notaries.

What about the notary freak show? Oh, not a Notary — a signer who doesn’t look at all like his oversized ID. It doesn’t even look like the same person. Here is another notary freak who goes to the signing drunk in shoes that are triple the size they are supposed to be. Oh look, a 9 food tall bearded lady incredible credible witness. I have seen it all folks. That’s all for today.

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December 12, 2019

Regular Teenagers vs. Notary Teenagers

Filed under: Humorous Posts — admin @ 8:33 am

Normal teenagers get in trouble for swearing! Notary teenagers administer sworn Oaths.

Normal teenagers break out; Notary teenagers only have to break out if they get arrested.

Normal teenagers have to worry about getting a girl pregnant; Notary teenagers put a layer of latex on their notary seal for protection.

Normal teenagers drive too fast. Notary teenagers have good laser printers so they are never late to signings and therefore don’t need to drive fast.

Normal teenagers succumb to the power of hormones. Notary teenagers succumb to power of attorney (and medical directives)

Normal teenagers do homework; Notary teenagers read the 123notary blog to learn more about their trade.

Normal teenagers are embarrassed to be seen with their parents; Notary teenagers are parents, they are developmentally stunted and still function emotionally as teenagers.

Normal teenagers learn musical instruments; Notaries are still trying to figure out how to make clanking noises with their metal embossers.

Normal teenagers get upset when their teacher makes them redo their homework; Notary teenagers get mad when they have to redo a signing.

Normal teenagers study French; Notary teenagers study Latin words like “scilicet” and “locus sigilli.”

Normal teenagers get normal tattoos and piercings; Notary teenagers get a tattoo of their favorite clients’ signature on their rear end.

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December 9, 2019

Notary TV Network

Filed under: Comprehensive Guides,Humorous Posts — admin @ 8:30 am

Welcome to NTVN — the network for Notaries.

We have notary comedy, notary drama, notary classes, tutorials,
stories and more. I know, sounds a bit like the 123notary notary blog,
but this is television. Below is our broadcasting schedule:

8am: Affidavits done your way with host Randy David

9am: Notary housewives gone wild

10am: General Notary Hospital

11am: Notary acts explained — we go over Acknowledgments, Jurats,
Oaths and Affirmations. Raise your right hand!

12pm: Notaries without underwear

1pm: How to confirm a signing without missing any bases

2pm: How to spin your embosser with spinning with the stars

3pm: How Jeremy started his signing business and other Notary stories

4pm: Dealing with issues regarding FedEx and shipping.

5pm: Social media tips for Notaries

6pm: Notarios sin barreras

7pm: Dealing with Chinese characters in signatures

8pm: The Notary Bar – a sitcom about Notaries where everyone knows your name.

9pm: Sponsored programming.

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December 6, 2019

1st Notary in Space

Filed under: Humorous Posts — admin @ 7:04 am

In honor of the anniversary of the 50th moon landing. NASA finally decided to send a Notary into space. They decided that Notaries had been underrepresented in space travel for too long, and something needed to change. However, the Notaries had conditions. Underneath where the American flag is on the shuttle, they wanted a flag of a fictional Notary country that they were going to set up in outer space.

The space ship was set to go to the moon in honor of Apollo 11 and Neil Armstrong. The passengers on the spaceship included three professional astronauts, one of which was a lesbian transgender black lactose intolerant Puerto Rican woman, and two white males, and a Notary. But, the flight had to be delayed because the lady was transitioning into being Cuban, or at least self-identifying as being Cuban, but not Mark Cuban, although she was living as a man (whatever
that means.) When asked if she wanted a Cuban cigar she said, “Sorry, I don’t self-identify as a communist.” Then she was asked, “Does living as a man mean that you will support a wife and kids?” to which she/he replied, “No, it means I’ll be leaving them!”

Then there was another issue, because the Notary wanted to bring his embosser, seal, journal and acknowledgment / jurat pads just in case he could notarize moon creatures on the dark side of the moon. He also studied up on his Chinese since he heard there were Chinese people landing there regularly that U.S. news suppressed for unknown reasons. The scientists controlling the flight complained that all of the Notary equipment was weighing down the craft and would cost another three million in fuel costs. But, the government decided it would be worth it so that moon creatures could sign the Notary journal.

So, finally the spacecraft took off. It took longer than expected because they were listening to Frank Sinatra’s song “Fly me to the moon.” A few days later they landed. The Notary complained that he had jet lag. The crew said, “You’re crazy, it’s not called jet lag, it’s called rocket lag, dummy!” The crew was expecting to see Sun Myung Moon but was disappointed to learn that he was Korean, and not Chinese, and therefore would probably not be on the moon despite his name.

NOTARY: If I pull down my pants here, and stick my rear end towards you, would that be mooning you or earthing you considering our location?

CREW: We’ll have to call Houston to resolve that issue. And in that case, Houston will agree that there is a problem.

HOUSTON: Yes, Notary, the correct terminology at your coordinates would indeed be earthing someone.

CREW: What on earth?

HOUSTON: Reminder — you are NOT on earth, and if you pull your pants down, you will lose the oxygen in your suit and die, so please refrain from earthing anyone.

NOTARY: I just want to jump for joy, but I’m afraid I might end up thirty feet in the air. Did the Chinese bring moon cakes here?

CHUNG: Welcome to the dark side of the moon, would you like to try a moon cake?

NOTARY: Actually, I’d prefer an earth cake.

CHUNG: Is that for here or to go?

NOTARY: We could either eat it here or in the ship. Does that come with a fortune cookie?

CHUNG: Yeah. The fortune is that you will weigh 17% of what you normally weigh.

CREW: Hey, the sum of the parts of crater than the sum of the hole.

NOTARY: Hmm, but what if you have a crater within a crater?

CHUNG: You mean like at crater and barrel?

NOTARY: And if you have sex on the moon, you would be getting your moon rocks off.

CHUNG: We are prudes and don’t do that here. Besides, we don’t have oxygen to waste on unnecessary things.

NOTARY: Well anyway — That’s one small stamp for a Notary; One huge stamp for mankind.

CREW: Well said. Now let’s take photos and post them on Instagram. Can you do a selfie with me? What’s that thing behind me?

CHUNG: Oh, he’s an underground moon creature. He won’t hurt you. But, he might want part of the fortune cookie!

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December 4, 2019

A notary tries to be a comedian at a comedy club

Filed under: Virtual Comedy Themes — admin @ 6:04 am

There was a Notary who thought he was funny. But, he ended up having a lot of trouble at the comedy club. Here is what happened:

NOTARY: Hi, I’m mingling.

GIRL: Oh, that’s nice. This is a good comedy club.

NOTARY: I know, that’s why I came.

GIRL: I love comedy, it’s funny!

NOTARY: (pause… laughs abruptly) It’s just funny how you say it. It’s so obvious, of course comedy is funny. But, just the way you said it is funny. That’s right. Comedy — is — funny!

GIRL: Well your set is coming up.

MANAGER: Listen Notary, did you come to do comedy, or are you just joking around?

NOTARY: No, I’m here to do my set.

MANAGER: Good because there is nothing I love more than consensual sets.

NOTARY: And I brought a helmet so it will be protected sets.

GIRL: I didn’t see that one coming! Ha ha.

(Notary gets on stage)

NOTARY: So, this is a great crowd. Yeah… So, are there any Notaries here?

HECKLER: I don’t think Notaries can afford the $6 for drinks on what they make. Especially if there are eDocuments involved.

NOTARY: Normally I don’t like hecklers but you kind of have a point. When they asked for my six dollars I asked them to bill me and do a few fax backs. The bartender just gave me a blank look.

HECKLER: A blank look is better than a blank check.

NOTARY: You’re telling me, but don’t get your signatures in a bunch. So, did you hear the one about the two signatures that got married? They got divorced a week later. The writing was on the wall. The divorce ended up in a huge tangle. (pause) I guess they were not doctor signatures. I hope they had a good Attorney because the paperwork must have been a nightmare.

HECKLER: They would have to put the signatures on the documents which would mean they would have to multiply.

NOTARY: Hey, are you trying to steal my show? Actually, your jokes are even better than mine — so this will work out well. You must have a good writer.

HECKLER: It’s the same dumb-ass who writes your lines numbskull.

NOTARY: Good point. Wait a second, that means the writer is calling himself a numbskull.

HECKLER: He means it facetiously I’m sure. Okay. There was an embosser who bossed around the employees. Who’s the em-boss now?

NOTARY: I think he only has power over the employees in an em-mergency.

HECKLER: Good one. You must be learning from me.

NOTARY: Good God, what a thought. Okay. Got one. What do Notary seals and squids have in common?

HECKLER: Ummm. They both have ink?

NOTARY: Besides the ink…

HECKLER: Besides the ink?

NOTARY: Just kidding… it’s the ink.

HECKLER: You got me on that one! What about octopuses who do signings?

NOTARY: Yeah, they can answer the phone, fill in their journal, stamp the document and kiss the borrower’s wife all simultaneously. It’s kind of like being one of those Hindu Gods with all of the hands.

GIRL: Yes, there is nothing like hands-on experience.

HECKLER: I think that would be tentacles-on experience. Hey, look at that guy with the purple circles on his neck. Does he have a really good girlfriend or was he attacked by an octopus… speaking of octopuses?

NOTARY: No, that is Chinese gua-sha suction cupping. People use it to reduce tension and clear up blood flow. There is nothing funny about that. Olympians use it too, at least they showed evidence of it recently.

GIRL: Are you sure that isn’t an AIDS symptom?

NOTARY: It looks like it, but the AIDS circle is normally on your back or forehead and is smaller and looks different. Plus the color goes away in a few days if it is cupping. I went to a signing with cup marks once. I told the boss I had marks and he said do the signing anyway. Then he fired me because the borrowers complained. What a hypocrite.

GIRL: Men. On Monday they say one thing and on Tuesday they say another.

HECKLER: Kind of like a woman’s love. They try to hook you into a marriage, but halfway into the engagement they change their mind.

GIRL: Think of all the legal fees you saved. Speaking of legal fees, hey Notary, do you know any Attorney jokes?

NOTARY: Why don’t sharks attack Attorney-Notaries?

HECKLER: Oh, I know that one. Professional courtesy.

GIRL: No, it is because the Attorney-Notaries are so busy doing signings in Georgia that they don’t have time to go swimming.

NOTARY: Another possibility…. Okay, now we have a two-drink minimum, so when the drink lady comes, give her a nice order and a good tip. Deal?

JOHN: Do they have drinks with squid ink in them so I can have an official Notary drink?

NOTARY: There is no such thing, but there is Peruvian Inka Cola — try that. We have it on tap.

GIRL: I tried the certified angus burger with an embossed flat bread bun. Very delicious. But, not as good as the wagyu burger I had at the Japanese place.

NOTARY: Okay crowd. Now, A Notary was to notarize a husband and wife…

HECKLER: Oh, I didn’t know you were into that.

NOTARY: But, the wife wasn’t there and had to sign on another day. What do you do with the acknowledgment?

GIRL: Something kinky I hope.

HECKLER: You ruined it. I thought you were going to have a threesome and dress the wife up as a French maid or something. I think you have to use one acknowledgment for the guy and another for the girl, but not fill out the girl… oh that sounds kinky.. until you see her when her husband is not around on another date. You have to put the date the husband signed on the husband’s acknowledgment and the date the wife signed on hers.

NOTARY: Yeah, we Notaries sure love filling things out.

GIRL: Do you fill people out too?

NOTARY: You have to pay extra for that!

HECKLER: Oh! Good come back. I’m impressed. You should try improv!

NOTARY: One thing I don’t like about the amateur nights is that each person only gets three minutes and you are not allowed to interact as that is considered heckling. Thank God we don’t have that inconvenience here.

HECKLER: Yeah, I’ll say. People think you pay me to be here and harass you.

GIRL: You’re actually a big help and not that rude considering. I wish I could say the same about my ex-husband.

NOTARY: There was a rumor that I was having an affair with Jennifer Lopez, and the rumor spread all around Twitter, but I only got three responses. 1. Right on. 2. Awesome and 3. You wish… The third comment was from my wife. Okay, this has been a great show. Thanks and remember — keep stamping.

MANAGER: Yes folks, if you liked the show, stamp your feet on the ground to show solidarity with oppressed Notaries who stamp and stamp all day – well they stamp documents, but you will just have to be happy stamping on the floor for now. Thanks and you have been a great crowd. Damn it… they just ran out of Inka Soda. Why does this always happen on my shift?

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November 30, 2019

What do people like about being a mobile notary?

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

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

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

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

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

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

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

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

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

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

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

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

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

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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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