When I look over notes sections of our higher level members, I like to make suggestions that can help them appear in a more positive light to the users. There are a bunch of common mistakes people make. I want to go over those mistakes.
1. Real Estate Experience
It is common for those with Real Estate experience to claim that they have real estate experience the therefor they understand the documents. In real life, people who I quiz with Real Estate experience do not know their documents that well. If you want to prove knowledge, then please pass our certification test which is really hard. Another mistake people make is to put lots of information about their Real Estate career in the top of their notes section. This is a Notary directory, so please put notary achievements at the top of your listing and mention your Real Estate experience in the middle or bottom of your notes section as an additional point.
2. Mortgage Experience
Many of our members have some type of Mortgage experience. If you are a current Mortgage Broker, you might be seen as competition and people might not want to hire you. However, the mistake many Notaries name is to claim that they have “x” amount of years in the “Mortgage Industry.” They often do not disclose what job titles they had in the industry or what their tasks were. People who use our site reward those who give specifics and give you a clear idea of who you are, what you have done, and what you know how to do. Additionally, using the “x” number of years is a bad idea, because you might have a listing with us for ten or twenty years and you have to keep updating your # of years every year. It is easier to say, “Notary since 1986.” or “Mortgage Appraiser since 2009.” You could say, “I was a Mortgage Broker from 2004 to 2015.” which clears up when you did it, how long, and that you no longer do it which might com as a relief.
3. Business Experience
Many Notaries have run a business before. They put, “Former business owner.” In their notes. This is horrible. It doesn’t say what type of business you ran, what position you had, what your responsibilities were, or what time period you did it. Be specific and understand that the reader doesn’t know if you had a business collecting hub caps or if you ran a fortune 500 company. You need to specify!
4. Types of Loans
It is common for Notaries to say, “I know how to sign every type of loan.” This is bad, because there are so many types of financial packages that few notaries have signed them all. Just make a detailed list of the loans you have signed, i.e.: I have signed purchases, sales, refinances, FHA, VA, conventional, unconventional, conforming, modification, reverse mortgages, and debt consolidations. I suggest having another list of common documents that you have signed. If the user has one of the types of loans on your list, he is more likely to hire you than some other character who makes vague claims or no claims about their loan experience.
5. Number of Loans
Some Notaries who are smart keep their number of loans signed statistics up to date regularly. Others say that they have signed two hundred plus loans. Two hundred plus is not a number by the way. Two hundred is a number. Since the information is not date stamped, (hmm, perhaps I should add that as a feature to my directory) there is no way to know how accurate the information still is. Number of loans signed is a good indication of how much experience you have, and is much more helpful than how many years of experience you have. You might have one month of experience and have signed 200 loans, or you might have twenty years of experience only having signed one loan per year which would be 20 loans. Think about it.
6. Omitting to read through our thorough guides
123notary has published many point by point tutorials on how to write a good notes section, what buzzwords to add, which to omit, what to say and how to say it. By not spending at least two hours reading our comprehensive guides, taking notes, and writing a well organized and thorough notes section – you are losing business. We will even clean up your notes for free upon request, but we get very few requests.
7. Unique catchy phrases
It is hard to teach someone how to write a catchy phrase. I created some articles with the best phrases I could find. It takes time and thought to create a one liner. However, readers are so bored reading through notes sections that if you can write something spicy, they might like it, and they might call you first. So, put some time into thinking up something catchy to say, and see how people react. You might need to modify what you put at a later date.
Power of Attorney – Notary Processing Mistakes
Playing Lawyer
You’re going there to notarize, that’s what you do. The caller asked you to bring some blank copies of a “standard” Power of Attorney. I think not. There many different formats to the Power of Attorney document. Selecting, as when you provide a document; could probably be interpreted as the Illegal Practice of Law. You don’t know their requirements, but you happen to have some documents titled Power of Attorney – a recipe for disaster. We notarize upon proof and oath; it’s their responsibility to know what they are signing. That applies to Principal, Agent, Monitor and Successor Agent.
Fuzzy Job Specifications
I need my signature notarized on a Power of Attorney form. Do you accept that sole statement? Does the caller have the form(s)? Is the caller the Principal granting the powers? Will there be Agent(s) and Successor Agent(s). You probably inquired about the ID that will be presented by the caller – but do you know anything about the ID status of others to be notarized? Will all parties be present when you arrive, or will there be a lengthy wait for a tardy Agent? The caller mentioned “a” Power of Attorney form, that’s true enough – but are ten more duplicates awaiting you? Did you schedule this as a “quick one” with your next assignment very soon?
Accepting Risk
You want to avoid accepting risk. One tool is having the assignment prepaid. A more important tool is communication with your client. Stress that the signature(s) of the Principal, Agent and Successor Agent must have proper supporting ID, and that the name on the ID must match the name to be notarized on the Power of Attorney. I make it very clear: “If any person to be notarized has an ID issue that precludes notarization; you will get my sincere regrets, but not a refund”. Hospital jobs have access concerns when the Principal is the patient.
Not Sharing your Knowledge
Many are new to using a Power of Attorney. They often assume a photocopy will be accepted and that they need only one original. That is often not the case. Offer duplicates for a modest fee. Blank areas might require a N/A. Use your embosser – it’s required to submit the document to Federal Courts, and might be required if the document leaves the state where notarized. Clients can forget that most Power of Attorney documents require the authority of Agent, and Successor Agent to be specified. This is usually done by the Principal initialing various “right granting” sections giving authority to one or more Agents, and, or, Successor Agents – easy to overlook.
It’s also easy to overlook the “Separately” initial area. When there is more than one Agent or Successor Agent; the common document default is that they must act in unison. Often, the independent ability of these agents is desired; this requires initials in the appropriate area.
Disorderly Processing
In our signings we complete one document then move on to the next one. Processing a stack of identical Power of Attorney documents is best handled differently. I prefer the “same thing over and over” approach. An entry on the first copy is propagated to the remaining copies. Then the next entry is made in a similar manner. This is easier for all involved as they, after the first two or three; are “familiar” with “what goes where”. After ID checking, and notary oath administration(s) – the notarizations can proceed in a similar manner. Mentally tie to giving the oath asking the affiants if they returned their ID to a safe place. This avoids being called to return their ID when they misplaced it – this happened to me a few times.
The Introduction to the Power of Attorney, New York Statutory Short Form
CAUTION TO THE PRINCIPAL: Your Power of Attorney is an important document. As the “principal,” you give the person whom you choose (your “agent”) authority to spend your money and sell or dispose of your property during your lifetime without telling you. You do not lose your authority to act even though you have given your agent similar authority.
When your agent exercises this authority, he or she must act according to any instructions you have provided or, where there are no specific instructions, in your best interest. “Important Information for the Agent” at the end of this document describes your agent’s responsibilities.
Your agent can act on your behalf only after signing the Power of Attorney before a notary public.
You can request information from your agent at any time. If you are revoking a prior Power of Attorney, you should provide written notice of the revocation to your prior agent(s) and to any third parties who may have acted upon it, including the financial institutions where your accounts are located.
You can revoke or terminate your Power of Attorney at any time for any reason as long as you are of sound mind. If you are no longer of sound mind, a court can remove an agent for acting improperly.
Your agent cannot make health care decisions for you. You may execute a “Health Care Proxy” to do this.
If there is anything about this document that you do not understand, you should ask a lawyer of your own choosing to explain it to you
Have you asked the Principal, Agent, Monitor, and Successor Agent – if they have read and understood the disclosures, usually on the first page of the Power of Attorney document?
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You might also like:
How do you get a Power of Attorney Document?
http://blog.123notary.com/?p=20785
Index of posts about Power of Attorney
http://blog.123notary.com/?p=20255
Index of information about documents
http://blog.123notary.com/?p=20258
Penalties for Notary misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315