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May 16, 2019

Notary Quiz of the day

Filed under: Humorous Posts — admin @ 11:30 am

Notaries hate being tested, but love reading Notary tests on blog entries for some reason. I’ll have to ask my psychic why that is. Maybe it is because they are not on the spot with this. Here is a fun quiz of the day.

1. Notaries notarize
(a) Documents
(b) People
(c) Signatures
(d) Signatures on Documents
(e) People’s signatures on documents.

2. Initials. If you initial a change on a loan document, where should the initial go?
(a) To the right of the crossed out text
(b) To the left of the crossed out test
(c) Above the crossed out text
(d) Anywhere around the crossed out text
(e) Below the crossed out text to the right.

The processor I used to work for did not want me to cross out the text, but initial below the text and below the right end of the text. The processing dept. would do the rest according to good old Emily. I wonder how she is.

3. What is the difference between a conflict of interest, interest, financial interest, and beneficial interest? This reminds me of the joke about the Mortgage Broker who left the industry in 2008 because he lost interest.

4. A Notary was asked to notarize a document with no signature line. What should the notary do?
(a) Ask the borrower to write in a signature line.
(b) Tell the borrower that he cannot notarize the document without a signature and signature line.
(c) Write in the signature line himself.
(d) Refuse to notarize the document.
(e) Call Carmen at 123notary and ask for help.

5. A Notary does a job for an old lady at a hospital notarizing a document. The notary asked the lady if she understood the document and she said yes. Two months later all parties were in court because the lady did not understand what she had signed. What should the notary have done?
(a) Ask the lady to paraphrase the document.
(b) Tell the lady how he went to the white house to visit President Johnson and see how she reacts.
(c) Stick to jail signings — they might be criminals, but at least they are in their right mind (whatever that means.)
(d) Start a conversation about current events to do a “reality test.”

6. A Notary was asked to notarize at the peace process. The Palestinians said you can’t have peace without a process. The Israelis said you can’t have peace without security. The Notary said you can’t have a notarization without a signature. After a long discussion, the Palestinians wanted to be acknowledged twice for one signature, Since the Israelis wouldn’t acknowledge the existence of their people, at least a Notary could acknowledge their signature twice to compensate. What is wrong with this picture?

(a) The Palestinians wanted to trade one Israeli signatures they had captive for two hundred Palestinian signatures as a peace initiative.
(b) The signer is the only one who can acknowledge a signature, not a Notary.
(c) An Israeli Notary will not acknowledge a Palestinian signature until they acknowledge the State of Israel’s signature.
(d) Yes, a single signature can be acknowledged multiple times, but it is the signer who does the acknowledging.

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September 19, 2018

123notary’s quiz questions routinely accused of being state specific

Filed under: Technical & Legal — Tags: — admin @ 11:03 am

The people who accuse us of having state specific questions are never specific about which questions are state specific. Such ambiguity over specifics. We change our questions over time and questions are now based on Notary Public 101, and not a particular state. We don’t even cater to California rules when we are in California. We test on good practicies, NOT state specific practices. It is up to you to know your state rules and I’m sure you do … (or not).

Here are some questions that might seem state specifics.

1. Proof of Execution — state specific
This act is done in about 45 states which is almost all. However, Notaries never do this act in real life. I don’t even know which states don’t have it. Some call it a verification upon proof or some other similar name. I ask this question not because of its practicality but to see if you even read my materials before the quiz. I think it is a waste of everyone’s time to quiz when you didn’t study.

2. John Smith — NOT state specific
We ask this question about good old John as a prudency question and not a legal question. Is it prudent under the circumstances to notarize the signature John W Smith on a document when the ID says John Smith.Most Notaries cannot give a straight answer — they change the circumstances to asking the signer for another ID. That makes it a completely different question. Whether your state requires an exact name match or not, it is still NOT PRUDENT if you can’t a prove a person’s identity. That is the whole reason for having notaries in the first place.

3. Fixing Notary Certificates — state specific
This one is very important and definitely state specific. We ask a question that California Notaries are not allowed to do simply because the folks in the other states still need to be tested on this. How do you fix a wrong county on a certificate? In California you have to use a clean new form or redo the notarization. In other states you can cross out and initial, but don’t have the borrower initial a notary form. This is critical information here. Maryland does not allow the use of loose certificates, and Oregon does not allow the Notary to make any changes to certificates or even add new ones as that might be considered UPL the way they see it in the drizzly state. Food for thought.

4. FBI Thumbprint Question — NOT state specific
If the FBI shows up on your doorstep investigating a notarization you did involving a fake ID, your fake info in your journal won’t cut it even if your state doesn’t require or permit thumbprints. The FBI is federal and has some bad guys to catch. They want a thumbprint whether your state allows you to have it or not. This is a Federal specific question as the FBI is federal and doesn’t care about your petty state rules. This question is NOT state specific because it does not ask what your state wants or allows or permits.

5. Journals – sounds state specific, but not the way we ask it.
Many states don’t require a journal, so my journal questions are not based on state rules, but on the rules of prudency which are universal. Your journal is your only evidence in court of what happened at a notarization. Not keeping one is like not wearing a seat belt on the freeway. Eventually something will happen and there will be injuries. This is a good practices question and once again NOT state specific.

6. Oaths & Affirmations – not state specific, but…
Oaths & Affirmations Universal — like God himself. But, the 2018 California Notary manual no longer has a set fee if you do these as separate acts not connected to a deposition or jurat. Hmm. So, you can do these acts in California, but what would you charge?

If you have been asked any other annoying questions by us which you feel are state specific, please mention them in the comments section clearly and please be to the point without any tangents so that the readers can get to the point. And once again, none of our questions are based on California practices, but are based on best practices (which often overlap with what California practices are — but not always.)

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October 25, 2017

Does 123notary have the authority to quiz people?

Filed under: Marketing Articles,Popular on Linked In — admin @ 1:05 am

In the old days, I had to quiz people by phone but got tired of it because people were so slow and didn’t know their stuff. Then, I invested in technology to test people, but so many people failed, or cheated on the test, that the results were not practical. Now, I am back to testing people by phone. Since most people won’t volunteer to be tested, I call them up and ask questions. Most people comply although the quality of their answers is horrible. But, people have questioned my authority. Here are some common complaints that I get normally from people who get 20% or less on my test and have anger issues.

1. Who do you think you are to ask me questions?
My response: If you are listed on my site I have the right to ask questions. If you don’t like it, ask me to remove your listing and I will.

2. Do you think you are the NNA?
My response: The NNA is a nationwide Notary organization. So are we. They do not call people and ask questions, but do remote testing for people who want to be tested as a Notary or Signing Agent. We at 123notary also have Signing Agent certifications, so we are similar to the NNA in many ways. We do many of the same things they do except that they sell supplies and we don’t.

3. You are not a state licensing agency.
My response: The states do such a bad job commissioning completely unqualified, incompetent people that I have to take over where the states left off which is educating people and testing them. I am not authorized by any state to teach Notary issues, however nobody who is qualified will lift a finger for me so I have to do the work myself and it is tedious. I am a web site licensing agency. I offer the license to be listed on my website and I will take it away from you if you can’t function as a Notary Public.

4. We are paying customers, therefor you don’t have the right to ask us anything.
My response: Your last payment was in 2014 which was three years ago. You now have a free listing. But, even if you were up to date in your payments, I have a reputation with the people who use our site. If everytime you went to 123notary you got horrible Notaries who ruined your loans and cost you thousands of dollars, you would avoid my site. If every time you used 123notary you got angry jerks who were rude to you, you would only use NotaryRotary or some other site. I have to have competent and polite Notaries on my site or people will stop coming. That means I have the necessity to ask you questions to verify your competence. And if I learn that you are not competent as a Notary Public, I should probably remove you although I remove very few people for incompetence.

However, I was auditing the people who passed my online test. Many cheated by memorizing the answers or having someone test for them. So, the only way to keep you certified is to ask a few questions by phone to make sure your phone score is consistent with your online score. If you got 90% online and a 60% phone score that is close enough, but what if you get a 20% phone score? If I give my certification to people who cheated, then the certification loses its meaning and becomes worthless. All I ask is that you passed legitimately and I do not want to test you every year like the NNA. They have their way and I have mine.

Just because you are paying me $99 per year doesn’t give you the right to ruin my reputation with users. And just as you pay to go to a restaurant you have to behave properly or they can throw you out. When you pay for an air ticket you sit down when the captain tells you to even though you are the one paying. When you pay to go to school you follow their rules. It is the same on 123notary. All we ask is that you maintain your listing and behave politely on the unusual occasion when I will ask you a few questions. I also request that you know how to be a competent Notary.

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October 17, 2017

Notary Public 101 — Quiz Questions

Return to Table of Contents for Notary Public 101.

QUIZ QUESTIONS

If you have studied our short but sweet Notary course, you might be ready for some sample questions. We alternate questions on our real test, but these questions will help you learn the knowledge concretely so you do well should we ever quiz you.

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1. What is/are the difference(s) between an Oath and an Affirmation?

2. What is the difference between an Acknowledgment and a Jurat?

3. Name all Notary acts allowed in your state.

4. Who has the final authority to decide what goes in the venue for an Acknowledgment certificate?

5. Can a borrower initial in an Acknowledgment if there is a change?

6. If you add a loose certificate, what precautions do you take to make sure it does not get added to a different document by accident or fraudulently?

7. If the FBI comes knocking on your door because you notarized someone with a fake ID, what piece of information will they want to see?

8. Which Notary act can the signer sign ten years before appearing before the Notary Public?

9. What is the difference between an Oath for a document (such as an Affidavit with a Jurat) and a purely oral statement?

10. If you are using a preprinted Acknowledgment filled out by the lender, after you inspect the boiler-plate wording with the he/she/they, the date, and the venue, what other things do you need to check on the acknowledgment form before signing and sealing?

11. What is wrong with the following Oath? “Do you affirm that the information you provided is true?”

12. Can you give an Oath that says, “Do you solemnly swear or affirm that your name is Mickey Mouse?”

13. Name two Notary acts that do not have a written document.

14. Name several Notary acts beginning with the letter A as their first letter.

15. What does, “Subscribed and sworn to before me” mean?

16. If you see the words, “Subscribed and sworn to before me BY,” then whose name goes after the by?

17. What is an affiant?

18. What is the technical term for state and county?

19. Name several situations where you might add a loose certificate.

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April 22, 2015

30 Point Quiz — Jeopardy

Filed under: Loan Signing 101 — Tags: — admin @ 11:28 pm

In this section, we will test you on some, but not all of the concepts in the 30 point course. Once you feel you are ready, you can email us at info@123notary.com to schedule a time for your over the phone course. If you do extremely well on our test, we might either give you the certification icon, or offer you the certification icon at a discounted price if you didn’t purchase the certification course or loan signing combos in the past. However, we will not reveal how many points you need to earn this certification. Additionally, the content similar to the certification exam would be reflected more in the first 15 questions on the test rather than the last ones!

(1) Other than his loose-lipped girlfriend — The first place you should look for the Lender’s contact information.
What is the ________________ ?

(2) The first place you should query to find Poisoned Prepayment Penalty info without asking the wicked Escrow Officer.
What is the ________________ ?

(3) This type of holiday (mercifully missing meter maids) isn’t factored in to the 3 days a borrower has to cancel their refinance.
What are ___________________ ?

(4) This Mortgage term is similar to The Rate
(batteries, certain fees & closing costs not included; only available at participating locations, restrictions apply; must be 18 or over to enter)
What is _______________?

(5) This is the fee documented in the HUD that can help you get something on the value menu.
What is ___________________?

(6) This Deed lets you take your name off of Title; Think of it as the “Name off Title Affidavit” although you’d be “off” if you thought such a document existed.
What is __________________ ?

(7) This document proves that you reside in the subject property. An if you live in an elevator you’ll need 12 of them.
What is ____________________?

(8) This document is an identity thief’s biggest nightmare as it will have your social security number typed incorrectly and claim that you graduated from Harvard when in reality you went to school online at the University of Phoenix.
What is _______________________ ?

(9) This document makes the borrower agree that they’ll cooperate if clerical changes need to be made in the documents. But it won’t change your loan amount from $200,000 to $20,000,000; so don’t buy the private jet quite yet.
What is _______________________ ?

(10) This loan document takes jazz musicians half an hour to sign in 12 places. About the length of the world’s most annoying drum solo.
What is _____________________?

(11) Many Notaries complete signings incorrectly because they didn’t read this document or the Lender’s mind.
What is _____________________ ?

(12) If you do this on a document, you render it null, void or prohibited by law.
What is ________________ ?

(13) If the names don’t match, you must attach!
If the names on an ID and the documents are inconsistent, or you are doing a Power of Attorney signing, you might need to do this.
What is ___________________ ?

(14) If the borrower introduces you to his girlfriend, ________ you are the Notary. If your borrower introduces you to his girlfriend who is completely naked, call the Lender
What is ___________________ ?

(15) More than once, a secretary in a Title company lost a cashier’s check and the borrower lost their loan. Here is what the Notary should have done to prevent this situation from happening. And don’t get me started on how she misplaced the vanilla hazelnut creamer. Are we being sexist? No. At least a female secretary knows how to make coffee!
What is __________________ ?

(16) This how Samuel Edward Xavier, Jr. would initial.
What is _____________________ ?

(17) This document discloses the APR, and that ain’t no lie.
What is _____________________ ?

(18) The name on the drivers license was Tom Smith, but the Notary refused to notarize because his middle initial and middle finger were somewhere else.
What is __________________ ?

(19) The type of the Notary act must be recorded in the Journal. But, I swear this type of Notary act has no accompanying paperwork.
What is _______________ ?

(20) If black is the new green, this date in January is officially celebrated when St. Patty’s is not. Maybe this question is insensitive, but let’s make a Federal holiday, but not a Federal case out of it.
What is ____________ ?

(21) This type of Notary act can be used to get a university degree officially copied and notarized using a certified copy by document custodian form. It’s almost as easy as getting a fake college degree, or going to the University of Phoenix!
What is ________________?

(22) This type of Notary procedure is used to help elderly people who can’t sign their real name, or remember your name.
What is ___________________ ?

(23) This is a court appointed official that can sign over property when the owner refuses to cooperate in court. When your Quitclaim Deed quits, use one of these.
What is ___________________ ?

(24) This type of Notary seal leaves a raised impression, but not necessarily a good first impression in a piece of paper.
What is __________________ ?

(25) This type of witness is critical in assisting you if you are notarizing someone in jail who has no ID. Whereas your mother in law is just critical.
What is _____________ ?

(26) This section in an Acknowledgment form had a problem because an incorrect county was inscribed. Consequently, the Notary had to use a fresh Acknowledgment form and start all over again.
What is __________________ ?

(27) This action was committed when a signer swapped pages in a document that had already been notarized. The one time a guy chooses to be good at commitment.
What is _____________ ?

(28) This term describes the condition when a Notary will gain financially or in any other way from a document being signed.
What is _________________ ?

(29) This is a state of being where you fail to administer an Oath, omit a thumbprint (assuming you’re not a shop teacher), or forget to identify someone before notarizing them.
What is ________________ ?

(30) E&O insurance protects the Notary if they make an honest mistake during a notarization. But, doesn’t protect the Notary from being sued if they made a non-Notary error during the signing or if this other party made a mistake affecting the loan.
What is __________________________ ?

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January 16, 2011

Quiz: You know you’re a good Notary when you…

What type of Notary are you? A good one or a bad one? I’m not sure who created the questions for, “You know you’re a redneck if you…”
So, I’ll create my own version of this satirical banter, and come up with my own version for Notaries that will have some technical merit.

You know you’re a bad Notary when you…

(1) Do you fail to call the borrower to confirm the appointment that signing company set, and just show up?
If you don’t call and make sure that all parties involved (watch out for spousal signatures) will be there and on time, with a current ID with matching names — you might be in for some wasted time. If you don’t get the documents signed, you might not get paid. You might waste two hours for nothing because you don’t think you “need” to call the borrowers, or because you were asked not to. It is your appointment and your responsibility!

(2) Do you send loose certificates in the mail?
Lenders and Title companies are notorious for asking notaries to break the law and send loose certiifcates. In some states it is a Misdemeanor if you ask a Notary to do something illegal. Report all illegal requests to your State Notary Division immediately. No second chances!

(3) Do you fail to get certified by all agencies that you purchase “effective” advertising from? Or do you say, I don’t “need” your certification because I’m already “certified” without even disclosing the name of the organization who certified you? There is no such thing as just being “certified” as notary certification is not regulated by any government.

(4) Do you say, “I have my Notary” when you really mean you have your Notary Commission?

(5) Do you fail to use a Notary Journal or Seal simply because your state doesn’t require it? What happens if an investigator asks about a potentially fraudulent transaction you were involved in and you have no evidence for the court? The court case might be really long and you might get in really big trouble.

(6) Do you fail to keep thumbprints of signers in your journal because your state doesn’t require it?
Guess what? You might end up in court if you don’t take thumbprints, especially on transactions affecting high dollar figures such as properties.

(7) Do you fail to administer Oaths to credible witnesses or for Jurats because you are not well enough trained to know how, or even to know that you are required? Or, perhaps you don’t even know what a credible witness even is. Better look this up in your state Notary handbook.

You know you’re a good Notary when…

(1) The hair on your neck stand up straight when you see someone try to sign with a middle initial that doesn’t exist on their identification.

(2) You use an inked seal and an embosser with a raised non-inked seal to make it detectable if pages are swapped or photocopied.

(3) You take copious notes in your journal about the signers, what went on in the signing, and the building / neighborhood where the signing took place to job your memory should you ever be summoned into court.

(4) You sell your car, and buy a few top spots on 123notary.com!

There are many other technical points and best practices that we could address, but for this hopefully entertaining blog entry — that’s all folks!

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January 23, 2020

She was my student, but now she is hustling and succeeding

Filed under: General Stories — admin @ 10:40 am

It is always nice to hear stories like this from your former students.
As you may or may not know, the mobile notary business is filled with
women. Notaries in general are disproportionately women (roughly 84%)
and mobile notaries are more like 60% women. I recently had a
conversation with a lady who studied from my materials, mastered them
scored well on my quiz, and is getting tons of work. For a beginner,
she is really hustling and getting a lot more work than other
beginners normally work.

But, this woman has a personality that lends itself (sorry for the
mortgage related pun) to success in the mobile notary business. She
reads and reads and reads. She wants to know what is going on, what
the rules are, what proper techniques are, etc. She wants to do
everything correctly. Not everything she does is right, so I have to
correct her every once in a while. There is a lot to know as a mobile
notary, so it is good to correspond regularly with those who know the
business.

Carmen also started out as my student back in 2003. She always had
questions. I remember the first time I met her. I was handing over a
book to her in person near the guard shack in my complex. Carmen had a
thirst for knowledge. Now, Carmen is someone I refer to as the queen
of the industry because nobody can answer questions better than she
does. I guess there is now more realism to the saying, “Grasshopper,
you were once the student, but now you are the master. Can catch fly
with chopsticks, can do anything.” I guess when you hear that quote,
the image comes to mind of Carmen quietly meditating while facing a
statue of the Buddha with a samurai sword laid out in front of her
wearing either a kimono or a ninja outfit. I have been urging Carmen
to meditate for years to deal with the stress of constant whining on
the part of Notaries. Maybe this mental image will prove to be useful.

There are other examples of people I have instructed who became wildly
successful. It is fun to think about them when people call me whining
about some petty concern. It is nice to know your work paid off in a
meaningful way to someone.

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December 24, 2019

Notary IQ Test: 123notary is to Snapdocs what…

Here is yet another Notary IQ test to test your Notary knowledge and thinking skills.

1. A Jurat is a Notary act that:
a. Has to be sworn to.
b. Has to be signed in front of the notary and sworn/affirmed to as opposed to an Acknowledgment which doesn’t have to be signed in front of the notary.
c. Has to be affirmed to. It is bad to ask people to swear as that might offend certain people.
d. Requires a Jurat certificate and an Oath or Affirmation.

2. Acknowledgment is to Jurat what:
a. A pre-fab home is — to a home that is built on site.
b. A chicken that has an egg inside it and then lays it — to a stork that brings your baby.
c. An Oath — to an Affirmation
d. A venue — to a certificate.

3. An Oath is to an Affirmation what:
a. Traditional is to politically correct.
b. God is to your personal honor
c. A New Yorker says in traffic to what a Millennial in California says at a formal appointment of office.
d. Choosing God to Choosing your diety of choice (pick option 4 for Lord Krishna).

4. A Mobile Notary is one that
a. Lives in Mobile Alabama
b. Used to live in Mobile Alabama
c. Travels to jobs
d. Charges a travel fee.
e. Prefers to book jobs at Starbucks… his “office” so he can have mocha-java while waiting for clients to show up. Sounds like the modern day Fonz having an “office.”

5. 123notary is to Snapdocs what
a. Source of information about real Notaries — to source of information about sad excuse for Notaries.
b. Directory is to Portal
c. Old school vs. High Tech
d. Public reviews vs. Thumbs up or thumbs down.
BTW, I just had a glass of 14 hands Merlot at a restaurant. The waiter asked me how I liked it and I said, “14 thumbs up, but not necessarily from the same seven hands.”

6. NNA is to 123notary what
a. One stop shopping is to advertising and signing agent training
b. Conferences are to blog articles and phone sessions with Carmen
c. A good source for ammunition is to a good source of higher paying Notary leads. (or am I confusing them with the NRA? — sorry, old joke.)
d. A big company where you don’t get to know the staff personally vs. a small company where everybody knows Jeremy & Carmen, but not Raymond.

7. The additional / optional information section on an Acknowledgment is critical because
a. It is good to show you are thorough
b. Jeremy says so
c. You can identify the document in multiple facets on the certificate so that it would be obvious if the certificate were swapped out to a different document.
4. To prevent someone from using the certificate on another document.

8. The most effective use of an embosser would be
a. To create a raised impression on all pages of every document you notarized to detect page swapping after the fact. Also, to prevent page swapping onto other documents that were not notarized by you.
b. To create a really large Oreo cookie.
c. To look hype when you arrive at a notary appointment — check out my embosser yo! Stainless!
d. You could use it as a weapon in case the signer tries to attack you — hey, it happens.

That is all for today students. I hope you enjoy our quiz. You can discuss potential answers in the comments or read Notary Public 101 to learn how I would answer some of these.

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November 15, 2019

10 ways to die as a Notary — choose one!

Filed under: Humorous Posts — admin @ 5:46 am

Being a Notary isn’t always safe. Here are some dangers that you might fact.

1. Being physically abused by a borrower who doesn’t like their APR

2. Being carjacked on the way to a signing

3. Getting in a deadly accident on your way home from a signing.

4. Having your dual tray laser printer explode sending a tray (not sure which one though) flying into your head.

5. Gaining weight because you spend too much time sitting and driving and then dying from cardiovascular issues

6. Dying from touching poisoned ink that you put in your stamp.

7. Having a heart attack because you forgot your journal at home during a signing.

8. Dying of anger because you didn’t like Jeremy’s phone quiz.

9. Dying of love sickness because you realize you can’t date that borrower because she is unethical and wanted to backdate.

10. Dying in jail because you backdated and got caught.

11. Dying of romance because you wanted to date a borrower and they suggested going out on a “back date” and you died in the time machine trying to go back in time 24 hours without getting stuck there.

12. Bleeding to death due to a paper cut from a Jurat or Acknowledgment.

13. Doing a fatal Oath that kills you. “So you solemnly swear that… oh… I’m dying…”

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November 12, 2019

123notary trained her and now she is getting jobs off the hook

Filed under: Marketing Articles — admin @ 5:29 am

It all started when someone signed up for a listing many months ago. I talked to her on the phone and the phone call lasted for seven hours she was so interesting. I gave her lots of tips, and she read my blog tutorials on Notary work. When she took my new and more difficult quiz, she got 84% while the others averaged about 35-40%. My new quiz
has many following directions, handling situations and tough notary questions which most people just cannot handle.

The last time I called this lady, she said, “I can’t talk, I’m at a signing. The listing is really working out well.” Then we talked later on that evening and she said she had been getting a lot of work. Something like eighty signings in the last two months which is amazing for someone brand new with no experience.

So, this is an example of someone who listens to our advice, studies hard, and puts attention into their listing. The result is success and happiness!

You might also like:

He took Jeremy’s advice and got new title companies
http://blog.123notary.com/?p=22277

What is the secret to Carmen’s success?
http://blog.123notary.com/?p=20059

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