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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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October 6, 2019

How do I sleep at night saying they are not as good?

Filed under: Certification & Communication Skills — admin @ 11:21 pm

A Notary posts — how do I sleep at night saying that the Notaries on some other site are not as good as the Notaries on my site. And then he states that I am not even a Notary.

Rebuttal:

I am not even a Notary
I used to be a Notary for eight years. I test Notaries on Notary procedure and they normally score an average of 35%. Is 35% good enough to practice Notary work? I score close to 100% on Notary questions and got very few wrong on the very hard California exam many years ago. Of course the content has change in California, but that is immaterial. I am not perfect, but I know Notary procedure better than most Notaries on my site — the exceptions are those that work for the NNA hotline or for state notary divisions as they normally know more than I do — although I caught a lady working for the California SOS make a logical mistake understanding credible witness procedure. The law is complicated and perhaps too convoluted.

How do I sleep at night saying that the Notaries on other sites are not as good?
I sleep fine, but sleep better if I take Advil and kefir (cultured milk). What can I say, the milk calms me down, and no, it doesn’t need to be warm milk like people in India insist. Since I tested almost all the Notaries on 123notary, and also test Notaries I find from particular other sources like Snapdocs, etc., I am aware of the quality of these notaries in terms of test results. Notaries on SnapDocs very rarely score higher than a D on my test. And the notaries that are the top ranking people in their state on SnapDocs do not normally do better than a C. Higher ranking Notaries on 123notary are not always good, but at least we have a good quantity of people who are masters of their craft and also have a depth of experience.

So, I am comparing apples to apples with fair scales. I have a right to assess the quality of Notaries because I represent them. I feel responsible to offer the world good Notaries if I can. I can only do my best. Who are you in your ignorance of this profession to criticize me — I have been running a directory for 20 years and have been a Notary for 8 and done very well on multiple tests not to mention created hundreds of test variations and stimulating quiz questions myself.

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August 29, 2019

I get so nervous when you call

Filed under: Certification & Communication Skills,General Articles — admin @ 10:53 pm

One customer said to me, “I get so nervous when you call, I feel like I am going to be quizzed.”

I am sorry that I make people so uncomfortable. I was reading online that alpha males make other people feel uncomfortable and inferior. But, I am only alpha about topics where I know more than others, or think I do. If you guys would become experts in your field rather than to just claim you are, there would be no issues acing my test consistently and no hurt feelings.

But, for those of you who do not like the idea of mastery, why be nervous? If you don’t value knowledge, why be nervous when you don’t have it?

You handle legal paperwork for a living. The financial consequences of screwing up a job are big not to mention the legal damages. It behooves you to know your job inside out. Why is it so difficult to convince everybody of this?

But, on a brighter note, in 2018 I abandoned quizzing people by phone unless they specifically requested it. It was too much drama and was effecting my health. Now I quiz by email mostly and only do a handful of phone quizzes. So no more nervousness when I call. It will be because you forgot to login or renew probably, and not a quiz — unless you requested a quiz.

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June 3, 2019

I’m a high end Notary in a low ball world

Filed under: General Articles — admin @ 11:24 pm

Are you a highbrow Notary in a low-brow world, or a high-end Notary in a low-ball world? join the club. There are lots of Notaries out there with tons of experience who have a lot of trouble getting paid well or getting work at all. On the other hand, there is what I call the double bell curve effect in the Notary world. There are lots of new Notaries, lots of mega-experience Notaries, but not so many people in the middle.

The problem as I see it is that there are many Notaries who perceive themselves as being high-end simply because they have experience. They hide behind their years of experience to compensate for the fact that they cannot explain a single Notary act and don’t have a clue how to deal with many common Notary situations. Another problem is that in today’s economy there are too many Notaries and too few jobs. With Snapdocs, if you are not fast to respond to texts you will be put lower on the text order algorithm and might stop getting offers altogether. So, how can you win during these desperate times? The answer is that there are no guarantees. However, being high end in virtue instead of high end in claim will help you a whole lot more. What do I mean?

I recently emailed about 150 notaries regarding their certification. I wanted them to study and quiz again at no cost. Half of them emailed me back and the other half did not. The ones that emailed me back did not read the email carefully. They omitted to read the part that said they had to study a lot. So, I responded to people one by one reminding them (the same way you remind children) that you have to study. I only got four requests from people who had studied sufficiently, and most of those four passed. What about the other 150? Why are people so stubborn, lazy, ignorant and uncooperative? If you can’t pass our certification test (which is really hard these days) then you are NOT a high end Notary. You are only a poser and a chump.

Additionally, getting more reviews on your profile will attract browsers, and so will having a well written notes section. To sum it up, a lot of expertise goes into being a Notary, but less than 1% of the people on our site have that knowledge or have any interest in acquiring that knowledge. This whole industry has turned low-end on me and I’m getting really sick of it. Even if it gets you nowhere, there is a certain dignity and professionalism in knowing your stuff. So please do so.

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June 2, 2019

China’s economic growth and how that affects you

Filed under: General Stories — admin @ 11:32 pm

I always accuse Chinese people living in America of living in an Asian bubble. Only talking to people who are just like them and never expanding their social network to the outside world leaves them in this bubble. In real life it is not exactly like that but it sure seems like it. However, I forget that Americans live in another sort of a bubble. They might know people from foreign countries but they don’t know what is going on in those foreign countries unless they travel to those places themselves. What does this all mean?

For those of you who don’t know, China has been growing at a huge rate for the last forty years. Economic growth was over ten percent per year for decades and has now slowed down to about 7% which is still high. America, due to all the red tape, and aging and tired work force, and an acute labor shortage is only growing around 2% per year. Additionally, China tends to take over entire industries. I remember twelve years ago I knew three ladies in the fashion design business. Their business was ravaged by the Chinese and 90% of their work force became suddenly unemployed unless they wanted to go back and forth to China. China has taken over a lot of the semiconductor business and is likely to take over many more industries as time goes on. But, why should you care?

If China is growing 5% per year faster than we are, that means in 14 years they will be twice as powerful as the USA. There could be mass unemployment in certain industries. There might also be economic projects headed by the Chinese on American soil. We could become subjugated by them in many ways as time goes on.

The other problem which is particularly noticeable with Notaries is that Americans have a poor study ethic and an aversion to technical subjects. This is a problem as the jobs of tomorrow will be increasingly reliant on technology. Chinese not only have a high IQ for technical tasks, but they like studying hard and working in these industries. If they are the only people who can handle technology, that means we will be their servants — if we are lucky. Or we might end up left out of the global economy and die of starvation in slums. I might be completely wrong in my fears, but there is a large basis for my thoughts and worries.

The average American family has their kids study less than an hour per day while Chinese families have their children do triple that. When American kids finish college, they typically don’t know how to do anything — what a waste of money. Personally I think college is a con job unless you want to be a teacher, doctor or lawyer. If you want to do anything practical, you should go to school for that purpose. If the Chinese are the only people who function at a higher level economically and we don’t, what future will we have?

The moral of the story is that if you want your children or grandchildren to have a future, have them study match, science, and programming a lot. Get them tutors, and start them off at a very young age. That way they will be able to do real work when they are sixteen. This takes discipline, and that discipline could help us all avoid a horrible economic crisis in years to come. And in the mean time, if you are a Notary, then spend a little more time studying how to be a great Notary because the average score on my last email quiz was 40%. Would you hire a notary in the 40% competency range?

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