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November 15, 2018

The Starbucks Oath Question

Filed under: Technical & Legal — Tags: , — admin @ 10:25 am

I created a quiz question for written quizzes about Starbucks. It is a very interesting and caffeinated question. Here it is…

A Notary goes to a signing.

The Affiant asks for an Oath on a document that is an Affidavit that reads, “I love Starbucks.”

The Notary proceeds to attach a Jurat…
and made a statement that was, “Do you solemnly affirm that you are the one who signed this document and that your name is John Smith?”

What did the Notary do wrong?

COMMON RESPONSES

1. Ask for ID?
Many Notaries feel the Notary should ask for ID. It is true that Notaries are responsible for identifying people. However, that is not central to this question and since the document, certificate, and journal entry have not been completed or stamped, that is irrelevant at this point. Unfortunately, Notaries tend to get sidetracked on irrelevant details that are not central to situations while missing very critical points that can get them in trouble. Talking about ID at this point would be going off on a tangent, especially if that is the only thing you mentioned — although in most states you probably would have to identify the signer.

2. Create a journal entry.
Yes, you should ideally create a journal entry. But, that too is not central to the question at hand.

3. The notary used Acknowledgment wording.
I have never heard of a state that makes you take an Oath while doing an Acknowledgment except perhaps that Massachusetts wants to make sure the signer signed on their own free will and makes them make some sort of statement confirming that fact.

4. Make sure the venue has the correct information.
This document has no venue, and Oaths in all states but Florida (not completely sure about this by the way) do not have certificates. Certificates have venues, but if you don’t have a certificate, you don’t have a venue. Oaths once again typically do not have certificates, and therefore do not have venues.

CORRECT RESPONSE

1. The Notary did three things wrong

(a) The Notary added a Jurat when he was asked for an Oath. Although Jurats have Oaths or Affirmations, Oaths do not have Jurats. Humans have diabetes, but diabetes does not have humans. So, please do not assume that an Oath has a Jurat. An Oath can be done as an independent notary act, and most Notaries don’t know this because they do not read up on Notary tutorials, nor do they ever do Oaths as independent acts. In fact, most Notaries do not do Oaths as part of Jurats either — they just skip over it and assume nobody will notice, or they think that filling out the subscribed and sworn written verbiage is the actual Oath (which is not true because Oaths are verbal by definition.) An Oath is a purely verbal act, however, in Jurats there is a written documentation that accompanies and documents the verbal act.

(b) The Notary gave an Affirmation when he was asked to administer an Oath which is bad for two reasons — one, because the notary did not do what he was asked and, two, because the notary CHOSE the Notary act on behalf of the signer which you are not allowed to do. Only the signer or client can choose the Notary act. So, what the Notary did looks like it is bad service, but also illegal.

(c) The statement the notary made was about the signature and the name of the affiant, but not about the content of the document. The Affiant asked for an Oath on their document, so therefore, the Oath should be made purely on the content of the document.

“Do you solemnly swear that this document is true and correct to the best of your knowledge so help you God?” — would be okay.

“Do you solemnly swear that you love Starbucks? — is paraphrasing and is okay assuming you don’t butcher the statement in any way that detracts from the logic of the statement.

“Do you solemnly swear that you love Starbucks, so help you the Starbucks Goddess.” — if you are politically correct and have multiple choice for what divine entity you want to swear to, you might be able to get away with this one. Read your state notary handbook and see if they allow swearing to the Starbucks Goddess, or as I call her — The Goddess of Caffeine.

“Please raise your right espresso…” (fill in the rest according to your imagination.)

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You might also like:

Notary Starbucks – charging for waiting time while sipping Sumatra
http://blog.123notary.com/?p=18926

The Starbucks Signing in the 30 point course
http://blog.123notary.com/?p=14291

Airplane meals versus Notary Oaths & Affirmations
http://blog.123notary.com/?p=19549

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January 20, 2017

Notary Starbucks – charging for waiting time while sipping Sumatra

Filed under: General Stories,Popular on Twitter — Tags: , — admin @ 12:42 am

Welcome to Notary Starbucks where Notaries go to meet clients, get caffeinated, and blend with others. When the check comes, they get to do the signing for a change. Choose from a wide selection of Notarial coffees and snacks. Additionally, this is the only type of Starbucks where tables have separate mini-wings that open up on the sides of tables to accommodate drinks, so they won’t spill on your documents if you tip them over! Better yet, you get to use the new Starbucks Notary App that gets your waiting time paid in advance! At regular Starbucks, you see writers with their laptops writing screenplays about superheroes that never sell. At Notary Starbucks, they write screenplays about notaries that never get paid.

We offer a Notary cake that is rectangular and has an imprint of a Notary Seal in the middle. Just don’t eat the cake after the expiration date imprinted in it! Try the molten Notary cake too. It has chocolate Notary seal ink in the middle! Below is a list of our coffee blend selections.

Antigua Affidavit Blend

Conforming Columbian Dark Roast

Arabian Acknowledgment

Subscribing Sumatra

Sulawesi Signature Whole Bean

Interest Only Italian Blend (Light Roast)

All strong enough to keep you awake while waiting for your client who’s had too much java to provide a signature that isn’t too shaky from all that caffeine.

But, Notaries don’t only go to their local Notary Starbucks to enjoy snacks, they meet their best clients there. They even had a new Starbucks App that would penalize clients from coming late to appointments where they would meet at Starbucks.

CLIENT: I’m almost there, but running late

NOTARY : No problem, you prepaid $25 waiting fee. You’re only halfway through that.

CLIENT: I thought that was the Notary fee.

NOTARY: Nope? My last client kept me waiting here for 30 minutes only to stand me up. That’s why I use “The Waiting App.” It’s $10 per signature, plus $10 travel fee for me to come here from home not to mention waiting time. You’re out $12.50 for keeping me waiting.

CLIENT: But, you didn’t do anything!

NOTARY: I wouldn’t call waiting for you not doing anything. Waiting for paint to dry – maybe. I came when I had other offers, and I sat here drinking Burundi Buydown with cream and sugar — too much sugar, I’ll never make that mistake again. This is time out of my day. You think I work for free?

CLIENT: But, you’re not working?

NOTARY: If I spent the entire day at Starbucks, “Not Working” I wouldn’t be able to afford my Murundi Mortgage, or my real Mortgage for that matter. I get paid for doing signatures, and if those people don’t want to show — they pay for my opportunity cost that I spent waiting — and sipping.

CLIENT: Sipping. You lazy bum. Don’t you have anything better to do?

NOTARY: As a matter of fact, I got an offer for an $80 signing while I was waiting for a late client. I turned him down since I got a down payment via the Starbucks Notary App.

CLIENT: Why of all the low-down.

NOTARY: Hey, you’re the one who can’t show up on time, not me buddy. Blame yourself.

CLIENT: I’ve decided not to come. I don’t like your attitude.

NOTARY: Great, I’ll call the $80 guy back. It’s only been two minutes. I’ll tell him I’ll be there in another two. Or have him meet me for a FHA French Roast right here at Notary Starbucks. In the meantime, I’m sort of trying to win the affection of a female Notary sitting next to me. Thanks a latte.

CLIENT: Fine — Bum!!!!

LADY NOTARY: I’m enjoying this Interest Only Italian Blend. They claim that if you drink it, you will enhance the interest of Notaries of the opposite sex.

NOTARY: It’s working. But, I have to go. The $80 guy wants me to show up at his house in 10 minutes. Send me a text. But, do you think I’ll get in trouble with the police?

LADY NOTARY: Why? For driving under the influence of that Subscribing Sumatra Frapaccino you had an hour ago? The high on that lasts for four hours. You might be driving all jerky, or irratically smash your seal into the document at your signing.

NOTARY: Nah, I’ll be fine.

LADY NOTARY: Oh yeah? Well, how many fingers am I holding up?

NOTARY: I can’t tell. Your fingers are shaking so much. It might be easier to meet ladies at a Notary bar rather than here. Everybody’s so jumpy and over caffeinated.

LADY NOTARY: Ya think? I’m not that bad compared to the lady who started out sipping sumatra which is a gateway coffee drink and then moved up to the crackaccino!

NOTARY: Good point. Gotta go! $80 is calling my name. Anyway, later. I’ve gotta Java now if you know what I mean!

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You might also like:

The Starbucks Signing
http://blog.123notary.com/?p=14291

The Starbucks Notary wises up
http://blog.123notary.com/?p=4207

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February 22, 2015

Point (3) RTC (4) Closing Disclosure; Story: The Starbucks Signing

The Starbucks Signing
Marcy hadn’t completed her certification test yet. After all, why should she. A little test couldn’t be that important, right? But, she was anxious to get started. She completed her notes section on her 123notary profile. She wrote:

I am reliable, prompt, punctual and professional. Call me for any mobile notary job!

She got her first call a few days after signing up. She answered the phone as her infant was screaming. The screaming was so loud that the person on the other end of the line couldn’t hear what she was talking about. The client decided that Marcy wasn’t very professional.

Then, another call came in. She answered it and got the job. She was to notarize a Grant Deed. She had never seen a Grant Deed, but how hard could it be to notarize. She knew how to fill in an Acknowledgment form. Her baby started screaming right when she was leaving. She left the baby with her husband and went out to do her job. She arrived 20 minutes late as a result of her baby having a fit. The customer said, “Your profile claims that you are punctual, but you are 20 minutes late!” Marcy said, “But, I am punctual, it was just this one time!”

Then a third call came in. They needed a loan signing done. Their house was under repair, so they agreed to meet at a local Starbucks. Marcy’s husband wasn’t around, so she decided to take her baby with her. Luckily for her, the signers loved children, particularly infants. The signing started off okay. Marcy had received a FedEx package of the documents. Everything was in order. She put the documents on the table, and kept the borrower copies in the FedEx. She didn’t know how to introduce the documents because she had never studied loan signing. Her course book was sitting on her desk collecting dust. She would soon learn that book knowledge would help her out of a very serious bind that was about to happen. Ooops!

The couple was signing away, when the toddler spilled Marcy’s mocha all over the Right to Cancel. All Marcy could say was, “I’m so sorry, I’m so sorry.” Marcy decided she had the Right to Cancel and obligation to cancel the appointment and have them start all over another day with another notary. She went home feeling mortified and devastated. But, she didn’t have to. Marcy made several simple mistakes. What were they?

(1) No drinks on the table. Drinks spill all the time. If you have drinks on the same table as documents, you are going to have a problem, it is just a matter of time. Drinks go on a separate table or a chair as a matter of policy. If Marcy had obeyed this signing policy, she would not have gotten in trouble.

(2) Don’t bring your three year old to a signing no matter what. It is not reliable or professional to do so, not to mention the trouble they could cause.

(3) The Right to Cancel was damaged, but there was a borrower’s copy of that document in the FedEx which Marcy could have used to substitute for the damaged one. An easy fix to a common problem. It is also common that borrowers sign in the wrong place on the Right to Cancel. You need to swap that document out if that happens as well.

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Point (3) The Right to Cancel

The Right to Cancel (Right to Rescission) gives the borrower in a non-commercial / non-investment refinance three calendar days not including Sundays or Federal holidays to read over the documents and consider their options. If borrowers want to spend three hours reading every page of the document, the Notary is encouraged to inform them that this is a signing appointment, and that they can review their borrower copies over the next three days and cancel within that time period if they have any dissatisfaction with the documents.

Dating: (Chaperone Not Included)
In addition to having the borrowers sign this document, it is often the Notary’s responsibility to make sure it is dated correctly. On the top of the document there should be a section that reads: “The date of the transaction, which is ____________________”. This is where the Signing Agent places the current date; this is known as the “transaction date”. Towards the bottom of the document it states: “no later than midnight of________.” This date is called the “rescission date”, and it states when the Right to Cancel period is finished. In this blank you would write the last day for the borrower to cancel, which is three days past the current date (excluding Sunday and major holidays). If it is Saturday the 20th, and Monday is a holiday, the last day to cancel would be Thursday the 25th.

What if the lender dated the document incorrectly? Cross out the incorrect date, write the new date, and have the borrower(s) initial the change. Never use white-out.

What if the transaction date is correct, but the lender is giving them too many days to cancel? Sometimes lenders are generous and give one or two extra days. Don’t correct that because it’s not an error; it is an act of generosity.

If the borrower carelessly signs where it says, “I wish to cancel”, the best way to remedy this situation is by using the borrower’s copy of the document (by the way, this question is on the exam); doing this will save everyone a great deal of trouble. If that is not possible, cross out the signature and have the borrower initial it. Then have them sign in the correct location.

Cancellation by Fax. The borrower always may cancel their loan by fax with all lenders by law within the (3) day right to cancel period.

Here is a list of all Federal holidays:

New Year’s Day
Martin Luther King Day
Washington’s birthday AKA and observed on Presidents day
Memorial Day
Independence Day
Labor Day
Columbus Day
Veteran’s Day
Thanksgiving Day ( the Friday after is a regular day unless the lender states otherwise )
Christmas Day

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Point (4) The Closing Disclosure (formerly The Truth in Lending)

The Truth in Lending is now antiquated.

Notaries have become moderately familiar with the new Closing Disclosure. I want to stress some important points about this document that you should memorize.

1. The Closing Estimate
Previously there was a document called the Good Faith Estimate whose current replacement would be the Closing Estimate. Although these two documents are not even close to being identical, they go over the estimated costs of the loan among other information.

2. The Truth in Lending
This is now an antiquated document. The Truth in Lending had some bizarre and unhelpful verbiage about the prepayment penalty. It said you, “will, won’t or may” have a prepayment penalty. The Closing Disclosure states if you will or won’t but omits the ambiguous word, “may” from the document.

3. The APR
In addition to going over the APR, there will be a new figure discussed on the Closing disclosure called the TIP which is the total interest percentage.

4. Taxes, Insurance, Escrow Fees
Estimated escrow costs, insurance, taxes, servicing, assumption, and appraisal costs will also be covered in this new and exciting document.

5. The property address
Many loan signing courses claim you should look for the property address on the Deed of Trust or Mortgage. You can, but it is also on the Closing Disclosure on the upper left corner.

6. The Loan Amount & Rate
This is also covered on the upper half of page one.

7. Fees associated with the loan
The Closing Disclosure replaces the TIL and the HUD-1 Settlement Statement. So, items from the Settlement Statement such as fees or costs associated with the loan will be covered on this document.

8. Calculating Cash to Close
This is a very practical section that covers total closing costs, closing costs financeed, down payment, deposit, funds for borrower, seller credits, and adjustments. The bottom line in this section is the cash to close total amount.

9. Summary of Transactions
The sale price of the property, closing costs, HOA dues, deposits, loan amount, sellers credit, rebates, and local taxes are all part of the accounting spreadsheet in this section.

10. The additional information section about the loan
This section covers other specifications about the loan such as whether or not assumption is allowed, if there is a demand feature, negative amortization, late payments, partial payments, escrow accounts, and more…

11. Next, there is a basic loan calculation similar to what the TIL had with the total payments, finance charge, amount financed, APR, and the new figure which is the TIP.

12. There is a section listing other disclosures which will list the appraisal, contract details, liability after foreclosure (keeping it positive), refinance, and tax deductions.

13. And last there is contact information of the Lender, the Real Estate Brokers, and the Settlement Agents.

Sign below.

——————————————— ———-
Applicant Signature Date

Eventually I will create some test questions out of this material. I already have one, but I will derive some others as well.

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You might also like:

30 Point Course Table of Contents
http://blog.123notary.com/?p=14233

30 Point Course (5-7) HUD, Occupancy Affidavit & Deeds
http://blog.123notary.com/?p=14546

The Right to Cancel done Wrong!
http://blog.123notary.com/?p=10001

Notary information for beginners: Best Posts
http://blog.123notary.com/?p=10472

How do you explain the APR to a non-borrowing spouse?
http://blog.123notary.com/?p=4455

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January 3, 2011

The Starbucks notary wises up!

Our notary got stood up at Starbucks the other day, and did what Bostonians call “wising up”. The next night, our notary friend was too tired to travel, unless the price was right. But, he got a call.

9pm… ring ring.
Notary service

Hi, my name is Jim, are you a “notary republic?”
A republic is a country. I am not a country, I am a notary, and I am open to the public — and the public is you
Oh… (long pause). Can you notarize a document?
Yes, that is what I do.
I don’t want to pay a travel fee.
No problem. Meet me at my local Starbucks. Can you come right now?
Sure… Where are you?

I’m in Glendale, how far are you from Glendale?
About 20 minutes.

Great, meet me at 9:20… I can’t schedule after that in case I get a paying job with a travel fee. If I schedule later than that, I might have to give up a $100 job in order to accomodate your $10 job. Understand?
Sure, I guess.

9:15… ring ring
Notary: Hi Jim
Customer: It is not Jim, I am Samuel. We need a notary tonight in Burbank. We are going on a trip and need travel documents. We can pay you $100 travel fee if you can do two signatures included.

Notary: Speak of the devil, I just told my last client that I might get a $100 job tonight. It is the power of positive thinking. Tomorrow night I am going to tell everyone that I might get a $200 job.
Customer: Why stop at $200 — go for $300, just as long as I am not paying!

Notary: So, when do you need service by?
Customer: We are leaving at 11pm, so get over here as soon as you can.
Notary: I have a 9:20pm appointment at Starbucks. If he doesn’t show up on time, I’ll just come on over and should be there before 10pm. If he shows up, I’ll tell him that his appointment is 10 minutes and that I have to run, in which case I’ll be there around 10pm.
Customer: Super.

So, the Starbucks notary meanders down to his favorite hang out spot — Starbucks — of course — isn’t it all of our favorites?
He waits until 9:20pm and then gives three minutes grace period just in case Jim didn’t synchronize his watch to nuclear time. At 9:23 Starbucks notary leaves just as he sees a nervous guy who lacked confidence driving up. Starbucks notary thought — I don’t have time for this, the guy didn’t even call to let me know he was close. So, our notary friend drives off to Burbank. Meanwhile keeping the phone by his side, he anxiously waits for his #1 client to call him and wonder where he was. But, the phone didn’t ring.

At 9:34 our speedy notary arrives at the destination at Burbank, CA. He notary bag by his side, he energetically prances towards the front door. Samual greets him with his document all ready, and five crisp new twenty dollar bills eagerly waiting to be received by our notary friend. The notary checks their identification, takes paw prints, notarizes their signatures, collected his money, and by 9:41 is ready to leave with his wallet fat with cash and then…

ring ring…
Ummm. this is Jim… didn’t we have an appointment at Starbucks?
Notary: Yes Jim, We had a 9:20 appointment and I was at Starbucks waiting for you, but you didn’t show up. I had a conflicting appointment. If I had waited for you, I would have missed my other appointment — and they were ready to go — and not late like you.

Oh… I didn’t realize I was late. I showed up at 9:24.
Notary: You didn’t confirm that you were nearby, and I had to go. But, on a brighter note, I am coming back, and I can meet you at Starbucks in about nine minutes.
Jim: I don’t think I like how this arrangement is going
Notary: Well, I am the one who kept my end of the bargain at the risk of losing a much more lucrative job. You were the one who would have made me late. Maybe it is I who should be the one who doesn’t like the arrangement — hmmm?
Jim: Never mind, I’ll just go home and get it notarized tomorrow by another “noterizer”. Good bye!
Notary: Well, you got a free travel fee out of me. I traveled from my house to Starbucks. My fee is $10 travel fee. You can mail me a check for my trouble.
Jim: No way… besides, I’m the one who did most of the driving… see-ya.

Tweets:
(1) A client wanted to save $ & agreed to meet the notary at Starbucks, but kept the notary waiting for 45 minutes.
(2) The notary waited until 9:20 for his $10 client to show, then had to run to a $100 paying gig!
(3) When you wait for a client to show up who’s late, ur held hostage w/o waiting fees or travel fees.
(4) If customers come 2u, let’em know if they don’t show up on time, they’ll only have 3 minutes grace period.

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September 22, 2019

When can you charge for an Oath?

Filed under: Technical & Legal — admin @ 10:32 pm

If an Oath is a separate and independent notary act, you can charge for it as far as I know — I swear!

But, I believe (and please comment below if I am wrong) that you may not charge extra for an Oath on a Deposition, court appearance, or for credible witnesses.

When using credible witnesses for an Acknowledgment, you just charge for the Acknowledgment, but not for the credible witnesses. This is only for states that allow credible witnesses which is about 30 states more or less and you can look them up online.

You might also like:

When are you required by law to give Oaths?
http://blog.123notary.com/?p=21017

The Starbucks Oath Question
http://blog.123notary.com/?p=21001

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August 28, 2019

Certain things you don’t learn from experience

Filed under: General Articles — admin @ 10:53 pm

Notaries who have a lot of experience seem to forget that you can keep doing the same thing wrong for twenty years and nobody will correct you. People with thirty years of experience often know less than beginners. But, how is this so?

1. Document knowledge
If you want to know more about documents, you can read loan signing courses. You can also read the actual documents. Be aware that many documents have document variations and one document name could have multiple meanings. Therefore you need to be aware of all of the potential meanings and assume the possibility that the document might be completely different from what it normally means as well. Many Notaries go through their careers never reading documents yet claiming “familiarity with the docs.” If you don’t read them then you are only familiar with the names of the documents and not the actual content of the documents.

2. Handling situations
As a signing agent, there are many tricky situations you can get into. Experience might help you to figure out how not to botch certain situations, but might not teach you how to handle less obvious situations. Our course Notary Public 101 goes over twenty common situations where Notaries can get into trouble. No Notary on our site does a thorough job confirming the signing without reading our course. I suggest reading up on handling situations.

3. Notary knowledge
You cannot know the rules of notarizing or know how to explain specific notary acts unless you read about it. You might have performed 50,000 notarizations, but if you performed them wrong, then the experience is worth nothing, or might be counterproductive. Reading up on notary procedure and law might be a good idea. After all, you are handling legal documents.

4. Marketing
Many Notaries go through their career doing the minimum in marketing. You might make a lot more money if you took marketing a lot more seriously. We have many blog articles on the topic.

5. Thinking about danger
What if you are in a house and the borrower goes psycho. That doesn’t happen often. There are techniques for handling danger. Some Notaries sit closest to the door, or at a particular angle from the door so they can see who is coming in. Other Notaries can spot a house with health hazards a mile away and redirect the signing to Starbucks. I’m not sure if there are any good guides to dealing with notary danger, but you can surely try to think of all the possibilities before you go out on a job. Otherwise you have to improvise at the last minute like a comedian doing improv at the Improv!

You might also like:

Real life scenarios at loan signings
http://blog.123notary.com/?p=19681

The five year rule of notary experience
http://blog.123notary.com/?p=21089

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August 14, 2019

Millennial Notaries and gender roles

Filed under: General Articles — admin @ 11:33 pm

It has come to my attention that many of the millennial Notaries are confused about gender roles.

We had a male Notary who did not want to lead at a signing. He claimed that leading might cause offense to the others because they might consider the signing to be part of the male patriarchy. However, the signers felt differently. They did not know what to do, and the Notary did not help. So, they called the signing company and the Notary got fired.

Another Notary did not want to talk to the wife at the signing for fear that he might come across as male chauvinist. During the whole signing, the husband and wife kept looking at each other giving each other weird looks. They did not know what to think.

A third Millennial Notary did a signing at Starbucks. The signer asked the lady next to him what time it was and proceeded to make small talk. The Notary said, “Not cool,” because many Millennials think it is not cool (and scary) to approach women. Kind of reminds you of the Gillette commercial for Millennials. But, such a situation happened to me at a bar, where the male millennial staff member got all afraid because I wanted to ask one of the Chinese girls if she preferred effeminate guys to masculine guys. In China, masculinity is out, and guys who act like girls are in. Good thing I speak English like a guy, but speak Chinese like a girl!

My question to millennials is:
If men stop approaching women (and many have due to getting shot down) then how will people date, get married or reproduce? I think that the millennial brain is too small to think that far in advance. Additionally, if a man is not masculine (in more than just “for show” ways) then how will he provide for and protect his family? 33% of millennials live with mommy and daddy. Not very macho if you ask me. Glad my family kicked me out of the house when I finished college otherwise I would have ended up an adult baby like them. Good God!

If gender roles are flexible, then just have your husband get pregnant for you half the time and have him breast feed the baby. After that, I’m sure his male genes will be equally suited to parenting a two, three and four year old child while the female bread winner goes out and makes money. Only 10% of wives make more than their husbands. Gender reversal is the standard way of thought for millennials, but biology dictates that the results of such an action would be far less than optimal or impossible. I guess the political pressure on people stops them from thinking coherently. But, I know how to think.

Newsflash — men and women are not the same. When men go out, they get approached by women roughly 10% of the time. It happens but is rare. When you go out on a date, the man normally pays. When you have a family, the women normally depends financially on the man, especially when she is pregnant or has an infant. So, it looks like men are doing 90% of the hunting people down and providing and women are doing the child rearing, even in these politically correct times. Correct me if I am wrong, that the brainwashing has changed its message, but biology is still consistent with our ancestors in Africa 200,000 years ago. Hmm, do you think my African ancestors had rhythm?

You might also like:

A Millennial self-identifies as being a notary public
http://blog.123notary.com/?p=22269

The ADD culture and marketing your notary listing
http://blog.123notary.com/?p=22309

X is now a gender as well as a generation
http://blog.123notary.com/?p=22177

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July 23, 2019

My office or yours — the notary bar scene

Filed under: Humorous Posts — admin @ 4:50 am

I suggest against meeting Notaries in bars, and for simple reasons. Jeff once met a Notary at a bar, and the Notary took his interest the wrong way and asked, “My office or yours?” It’s easy for Notaries to get the wrong idea, especially if you meet them at the wrong place. That is why many people find Notaries using apps these days. You text them an offer, then they text you back hopefully within seconds and then you negotiate. My office or yours? That can affect the fee involved too.

But, if you meet a notary at their office, then they can’t ask, “My office or yours” since you are already at your office. Then, there are Notaries who like to wait for people at Starbucks. All I can say is, bring a good book, you’ll be reading it. Clients who go to Starbucks to get notarized typically keep the notary waiting around 25 to 45 minutes and you don’t get paid for that waiting time. If they pay in advanced by Paypal, you will at least get paid if they decide not to show up.

Another reason not to meet Notaries in bars is that they might do anything after they’ve had a few drinks. They might notarize an Affidavit without ID or spill tequila on your Warranty Deed after the Warranty has expired. So the moral of the story people is, if a Notary asks, “My office or yours,” You might consider shopping around for a more reliable sounding Notary, preferably not one whose prime was in the 70’s man!

You might also like:

A bar only for cool Notaries
http://blog.123notary.com/?p=22546

Notary small talk at bars
http://blog.123notary.com/?p=21242

Bartender Notary – a reverse mortgage on the rocks
http://blog.123notary.com/?p=4080

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July 4, 2019

Notarization at a Subway

Filed under: Humorous Posts — admin @ 2:38 am

NOTARY: What a long drive. But, I’m here. Are you ready?

FRANK: I don’t normally work at this branch of Subway, I’m just “subbing”.

NOTARY: Oh, then can you grade my paper? It’s an Affidavit.

FRANK: There’s a spelling mistake in line two.

NOTARY: Really? And what about your Affidavit. Is it ready?

FRANK: It’s right here.

NOTARY: Would you like onions with your notarization, and would you like to make it a combo?

FRANK: Does it come with chips and a drink for another $2.25.

NOTARY: I actually have Fanta in the car. That helps me get better reviews. Being a Notary these days is not far from being an Uber driver except that we don’t have to vacuum our car as much… or ever.

FRANK: Got it. I’ll sign… Are you watching?

NOTARY: Watching. Your hands are clean right? No mayo or chipotle sauce on your fingers, right?

FRANK: Too late. Please affix your stamp there.

NOTARY: Please sign my journal first… Good… Now it’s time for recess.

FRANK: Recess?

NOTARY: You’re “subbing”, right?

FRANK: Oh, yeah… right.

You might also like:

Compilation of posts about notary restaurant themes
http://blog.123notary.com/?p=17442

The Starbucks Oath questions
http://blog.123notary.com/?p=21001

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May 6, 2019

123notary vs. Snapdocs; AT&T vs. Verizon

Filed under: Signing Company Gossip — Tags: — admin @ 11:27 am

Snapdocs is a force to be reckoned with. Even though their notaries are bad, and Snapdocs charges a hand and a wrist to use, they still are getting a huge market share. Perhaps we need to compete with them the same way AT&T and Verizon compete.

Maybe I have to talk to the signing companies and offer them anytime minutes if they use our site more. Or maybe I need to offer them new features. Of perhaps I need to offer an easier way to find Notaries on our site.

Most hiring parties I interviewed don’t care if Notaries know anything, they just want people with around two years experience. But, people lie about their experience, so what do the numbers really mean. How many signings do you think these companies really want? If you have signed 200 loans will they try you if they like you?

Maybe I should find a way to pay signing companies to use my site. Every time you use a Notary from 123notary, you can get a chance to win a Starbucks card.

I cannot afford to create the technology necessary to rival Snapdocs, so I have to compete in other ways. Using my femininity is not one of those ways, mainly because I don’t have any.

Perhaps I should try to appeal to generation Z. I don’t even know what they like. I think I know more about foreign cultures in central Asia than I do about generation Z, the post millennials. I do understand generation Y. After you talk to them for more than two minutes, the only question that enters your head is… why?

I think that what will win the battle is finding out exactly what signing companies want and having new search features to give it to them easily. Wish me luck. In the mean time — keep stamping.

.

You might also like:

Compilation of posts about SnapDocs
http://blog.123notary.com/?p=21531

See our string of posts about snapdocs
http://blog.123notary.com/?tag=snapdocs

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