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December 16, 2019

Keep your eyes on what is Important

Filed under: Ken Edelstein — admin @ 8:34 am

Keep your eyes on what is Important
I was a student pilot flying a little Cessna 150 single engine plane. My instructor believed in making me ready for any situation, As I approached Kobelt airport in upstate New York (a very short runway – under 3000 feet) was before me. I had landed there a few times and knew that a perfect approach, airspeed and elevation was essential; lest I have to call a “missed approach” apply full power and go around to try the approach again.

I spotted something in the middle of the runway – during a rather good approach. I could not make out what it was! My eyes fixed on it for about 2 seconds trying to determine what the obstruction was. Thankfully, I took a look at the bigger picture and noticed that a slight crosswind was directing the plane toward a rather large tree! Flaps up, full power, slightly lift the “nose” – over the trees I went, just above stall speed! The object was my instructor, teaching me to look where I was going….

I doubt you notarize for the fun of it. You want to earn money, the more the better. However just earning money can be somewhat pointless without there being Profit. Some might object to my use of the “P” word – but, even if I offend some – it’s central to this article; and I will use it.

Profit is the money left over after the costs of doing business are deducted from revenue. Many are the callers I speak to that offer revenue, but not profit. A 50 dollar edoc that takes an hour plus each way is a rejected offer – there is revenue; but no profit. We all know the components that go into our costs; no need for me to again enumerate them here. However, some will take any assignment hoping to “show their mettle” – with a higher rate on subsequent jobs. That has never worked – “they” remember the least you would accept and will offer not a penny more.

Keep your eyes on what is Important – Profit. Sure it’s virtually impossible to account for the= share of “overhead” expenses on a per job basis. However, it’s pretty easy to “feel” if you are at least earning what you feel you are worth. Some with a high degree of skill probably will want a higher rate per hour compared to those just starting out. But, for the vast majority of us we desire to earn, what’s the popular amount now? Hmmmm, are your efforts earning 15$ an hour?

Of course that 15$ amount is very low; but some take the bait and make less; how is that possible? Well, with eyes on the important, let us take two views. You decline the lowball and they say “there are lots of notaries who will take what we are offering” – that’s unfortunately true. But so is the flip side, there are lots of firms that are willing to offer more. Stand fast, don’t break ranks to the bottom fisher. Many posts here and on other sites tell you how to make the two most important actions. First, learn a lot about what you are authorized to do. Secondly, make yourself known widely; sure some will be lowballers – you just decline, best done with an “unsubscribe” one word reply.

As my little plane approached the trees I had a decision to make; with very little time to make it. I could have adjusted course and “attempted” to pull off a landing; but I knew my skills were not up to that level of flying. I chose to abort the missed approach – and lived to try again. But, it was a lesson well learned. When landing a plane look where the plane is going. When being a notary look at the “bottom line” and keep aware: will you profit properly or lose by accepting?

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December 7, 2019

Social Media Site for Notaries – JuratBook

Filed under: Social Media — admin @ 7:39 am

Welcome to JuratBook, a social media site for Notaries. Notaries typically use this to complain about slow paying signing companies, and boast about how good their 123notary listing is doing.

With JuratBook, you can post an unlimited amount of special notary emoji’s on your posts. The surprised emoji would be if you got paid on time. The sad emoji would be if there were too many fax backs. A heart emoji would be because you love Jeremy and Carmen. A thumbs up (or thumb prints up) would be if you either liked a particular signing company, or if you thumb printed someone.

You can take selfies of you and your customers and post them. You can talk about what you do when you are not notarizing.

The problem with JuratBook is that it makes people more competitive about how popular they are. It makes you think your life isn’t as full as all these other people with lots of postings who celebrate life every day.

Unlike Facebook, you can use hateful speech on JuratBook. It has to be allowed, because Notaries are so frustrated by not getting paid on time. JuratBook believes in freedom of speech.

The algorithm used for JuratBook helps promote posts more about the social aspects of being a Notary rather than dull work related posts.

What constitutes JuratBook friendship? Do you have to notarize each other? Or have each other’s thumb print? The rules keep changing as the owner Sam Zuckerberg — Mark’s lesser known and less successful brother.

JuratBook — your social media venue!

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November 16, 2019

How google helps notaries

Filed under: Advertising — admin @ 5:47 am

Does Google help Notaries? Yes, and in all types of ways.

Google helps to list Notary sites and Notary directories on the search results. However, your placement can really vary and in my opinion, placement doesn’t always make sense. For Notary, 123notary shows up poorly, but for state and city notary terms we show up normally in the first page or sometimes the second page. How odd.

Google also offers adwords pay per click which is another way you can get clicks, and with geo-targetting you can get local clicks which might be very valuable to you.

Google local offers a way that Notaries can get advertising and be found from local clients. Signing companies might not use that option so much but individuals seeking notarization will use Google local and some Notaries get a lot of business for general notary work.

Google can also help you find Notary information. If you want to look up technical terms, concepts, documents, signing companies, or any other Notary related information, they will help.

Gmail is the most popular email for Notaries and I use it myself.

Google maps are the best quality maps for strategizing your journey to a particular venue. You can even see what the building looks like that you are going to go to before you get there.

Google weather can help you know if it will be snowing when you get where you are going.

In short, Google is a valuable source of information for all of us and we would be hard pressed (like apple cider) if they didn’t exist.

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September 25, 2019

Will 123notary certification get you more work and is it worth it?

Filed under: Certification & Communication Skills — admin @ 10:34 pm

People think about the financial cost of getting 123notary certified. It is only $67.95 currently. That is not a big investment. Word on the street is that get more work and about $8 more per job if you have our certification. As of 2019, I estimate that you would get about 30% more work by having our certification, and $8 more per signing according to a poll I took.

So, if you were paying a few hundred a year for a top listing, you would get 30% more out of it which might add up to about $100 extra value for advertising each year. The other way to look at it is that you might get several thousand dollars more business each year which you would have no other way to obtain. So are you gaining $100 worth of advertising or thousands in revenue? How should you look at it?

The fact is that the big investment in our certification is not the cost which would pay for itself in days in terms of the extra work you are expected to get. The big investment is time, because in addition to our cert course, we expect you to master Notary Public 101 on our blog which is a long and comprehensive guide to basic Notary procedure. We think you should already know that stuff, but nobody does regardless of what state you are in.

So, the bottom line is that you might need 20 hours of study time, but the $30,000 extra you might make over the next decade is definitely worth your time and makes your time worth $1500 per hour. What else are you doing with your time that is worth $1500 per hour unless you are an assassin. And if my math is wrong, you tell me what the correct math is. After all I am only doing an educated estimate.

You might also have an easier time rising up to a higher spot when one comes available if you have our certification. So there are multiple reasons for getting it but only one for not — laziness and a self defeating attitude. Keep positive — and get our certification today. It is good for life but you do have to pass a phone audit as well as the online test.

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September 21, 2019

Notary Tips from Carmen

Filed under: Carmen Towles — admin @ 10:31 pm

Do your research FIRST before you buy anything.
Know the ends and outs of the notary business that you are trying to undertake.
know the difference between a notary and a signing agent. These are 2 different hats that can conflict with each other
Know what is expected of you.
Know how many notaries in your area.
Try to find out if they are busy.

Find answers to the following questions:

Is there any work in your area?
How do I get the work?
How much money will it cost me to get started?
What supplies and hardware do I need?
What license or insurance do I need?
How long will it take me to make a profit?

You cannot listen to folks who are selling classes. They have one objective-sell you their course. They will tell you what you what to hear. Keep in mind it takes quite a white to build a successful notary business. You need to market, market and market some more.

2. Make sure you know YOUR states notary laws; cold. This is of the utmost important. This knowledge is what will keep you out of
trouble. And it is far more important than loan signing. If you are a great notary you will be an exceptional signing agent.

Know what ID is acceptable in YOUR state. What to do if they don’t have acceptable ID. What if it is expired? Can you still use it?
Where to place your seal.
When can you use credible witnesses? and why would you use them?. What are they and how many do you need in your state?
Who’s sole responsibility is it to fix a notarial certificate?
When is it a must that you change the venue? Do you even know what a venue is?
Who’s responsibility is it to initial these changes?
Can you use another states notarial certificate? And if yes when?
When are you supposed to give an oath?

These two things seem to be the most the notaries argue about;

Notaries continue to argue about whether they can use another states acknowledgement or not.
They consiisting argue about making changes to the documents.

Who’s sole responsibility is it to fix a notarial certificate?
Who’s responsibility is it to initial certain changes on the notarial certificate?

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August 6, 2019

I Bounced Trustee signing – Refunded – 15 Min after docs arrived

Filed under: Ken Edelstein — admin @ 9:08 pm

I Bounced Trustee signing – Refunded – 15 Min after docs arrived
I asked the all purpose question – Is there anything else I will be asked to do other than print, go, legally notarize, ship, report completion. They said “that’s it”. They sent my standard PayPal fee in 5 minutes.

When the doc arrived there was a requirement to scan and email two of the pages; OK, I’ll live with it. Even though it requires finding a parking spot, scan, email, and back out to ship. But, as they paid so quickly – I just said to myself “such is life”. But, it gets worse, as usual with my telling a lot worse.

Postdate not Backdate.
Along with the scan and email was a statement from title that I could ignore the fact that the docs were dated for the day after the notarization was scheduled. That was on the Mortgage. Borrower was predated as (no changes) signing on the 5th, the witnesses (another surprise) date the actual 4th as do I. That sure would look strange. I check with American Society of Notaries – that’s prohibited. Strike One.

Notary notarize thy self
There were two documents for notary only signatures that called for venue, stamped and seal. The first had me swear to the validity of the attached borrower ID copy – also prohibited by ASN. The second asked me to “verify” that the correct person signed, again sworn by me. Strike Two.

The closing Affidavit
The borrower signed over the words “Minnie Mouse, Trustee” – but in the notary section after the before me was “Minnie Mouse, followed by a lengthy description of the trust details”. They did include a copy of the trust (to reassure me?). Thus I was providing the trust details that the affiant did not swear to! It was the same situation for several other documents. Strike Three.

Let me outta here
Fortunately they sent the docs on Tuesday, at 7PM with the task scheduled for Thursday at 3PM, about two days later. Of course nobody at title was there to answer the phone. How I wished I had asked for the person who gave me the assignment to provide their cell number. I sent emails only stating that I had issues with the documents and also processed a complete PayPal refund. I had not printed the docs as it is my custom to review the PDFs on screen to be sure I would be able to accept the task. I also sent screen images of the ASN site showing that the specifics mentioned above were prohibited notary functions.

Lessons Learned
During “first contact” I was given the choice of them emailing the doc to me or they would ship the package to the borrower. Always have the doc emailed to you – so you can take a look at it and not wind up in a situation where you must decline to proceed and also want a trip fee. That would make for everyone involved to be unhappy. Look carefully at those notary sections, they are your statement. The fact that they sent me the Trust is meaningless; the notarized document must be able to “stand on its own”. Years later if there is litigation would you have the Trust document? Has it been revoked? Are you qualified to determine if it is valid? I am only allowed in the notary section to have the name as on ID.

What to do
Run away from questionable jobs. Your defense attorney would cost you a lot more than the tiny notary fee. Don’t count on E&O to step in when your actions are clearly improper – Dump the illegal tasks!

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June 1, 2019

LA COUNTY – Traffic ideas

Filed under: General Stories — admin @ 9:54 am

Dear County / City of Los Angeles,
My name is Jeremy Belmont. i have lived in this county for 20 years. I love it here, but you have some serious logistical problems. In this article, I will show that there are several principals that can be applied to traffic retrofitting that are easy, low in cost, and effective. Additionally, there are other techniques which might be more invasive and costly that also could prove optimal in certain specific situations. I will divide this article into sections and categories to make it easier to digest.

Categories.
1. Earthquake preparedness
2. Bicycle & Scooter issues
3. Quick retrofitting for roads & intersections
4. Non-invasive large scale solutions
5. Invasive and costly solutions to serious traffic snags.
6. Downtown considerations

Category 1. Earthquake preparedness.
We live in a city that is prone to earthquakes. Yet since I have been here, we have not had anything more than a tremor. In the event of an unexpected earthquake (such as if mother nature forgets to send a memo), Los Angeles traffic could be crippled not for days, but for years. Highway bridges and overpasses on the 405 and other highways are the most vulnerable crux in our traffic system. Should there be a bad earthquake, and these bridges fall, it could take years to get them all fixed.

My solution is to start fixing the problem long before there is a problem. The worst issue is traffic going over the hill into the valley. East-West traffic from Los Angeles to Santa Monica is another huge issue. Having wide routes that go through the hills that are surface streets makes sense because those will be stable in an earthquake. Such an idea will be unpopular with the local residents as it will tear up their hills, however, for the general good of society it is necessary and it is also necessary to start the project as soon as possible as that may be our online lifeline to the valley. Without it it could take six hours on a good day to make it from Hollywood to Studio City — I kid you not!

Retrofitting bridges and overpasses is another idea. Having detailed plans and available resources and building materials to rebuild destroyed bridges is something to think about now and NOT after there is a problem.

Category 2. Bicycle & Scooter issues
Bicycles and scooters are very environmentally friendly modes of transportation. There are various problem associated with these modes of transportation.

1. Bicycles & Scooters are not subjected to laws regarding REAR LIGHTS.
I believe that all vehicles on any divided road (with divider or double yellow lines) should be required to obey the same laws of the road that a motorized vehicle does. The laws state that bicycles must obey the laws of the road, but these laws are not enforced much.

2. Bicycles & Scooters are not subjected to laws regarding FRONT LIGHTS
Front lights SHOULD NOT BE FLASHING as this is very disturbing. Yes it gets them noticed, but that is the only thing you notice which means that your attention is distracted which could cause death or bodily injury not to mention annoyance.

3. Bicycles & Scooters should NOT be allowed to be used on a sidewalk unless they are on a designated bike path. Bodily injury happens regularly when bikes & scooters use the sidewalk. It is also very disturbing to walk out of a building only to have a near miss with a scooter. There seems to be no law enforcement for these vehicles and this needs to change.

4. Bike Routes.
The city spends lots of money creating poorly thought out bike routes. The result is that the width of the road available for motor vehicles is restricted to allow for an occasional bike. I was on Figueroa and cars could not move. Yet there was a bike path and bikes coming on schedule every two minutes. This is an inefficient use of space. If you got a fixed fee per vehicle your aggregate revenue would go down as a result of this mis-allocation of resources.

Principals of Bike Routes
(a) Bike routes should be built in places where they will be heavily used. Usage could vary over time depending on how thoughtful the route is. A user-friendly route might experience regular increase in traffic while a dangerous and poorly thought out route might not get used much at all.

(b) Bike routes should NOT be built in places with heavy motor vehicle traffic as those roads are already congested enough. Bike routes can weave around the city and should ideally use roads that typically have light traffic. Or, if car traffic can be re-routed (which is not easy) then bikes might be more suited for streets like Figueroa.

(c) Bike highways are something that exists in Europe and might not be cost effective in America. However, bike riders who I spoke to said that a completely separated route would be attractive to them for safety reasons. A bike highway could be elevated, and only built in places with heavy bike traffic. Kiosks could be built for items that bicyclists might like. Locked parking areas for bikes would be good too.

(d) Share a bike system. These days, more and more cities are having shared vehicle systems. You can rent a scooter by the minute. You can rent a bike in Beverly Hills. These systems use apps and credit cards. It is popular, but not safe as it is not run by the city. My idea is to have the city run a simple system where you can rent a segway, bike or scooter, and use it on a separated road. You can pay a machine with cash, smart card, use an app, or use your iPhone to do the transaction. Payment flexibility is something I like. The system would be designed where you cannot run your vehicle off the established route and cannot steal the vehicles as it might be physically impossible to move them off the route (somehow… that is an engineering question… above my paygrade.)

(e) The slow vehicle route. Imagine a system where you see bikes, segways, scooters, and golf carts. These vehicles do not differ drastically in weight compared to bikes vs. cars or trucks. They go similar speeds as well. If they had their own routes that would be safe. But, to make sure you get enough traffic in the routes, having more options for payment, and vehicle choices would increase traffic. If you could pay a dollar and jump on a golf card with some other people to go two or three miles down the road, how convenient is that?

(f) If the idea of separate bike routes happens, buildings could be constructed near the bike paths where users of the system could live.

The below points are for bike routes integrated with regular roads.
(g) Cars need to turn right, but when they do, they might smash into a bicyclist.

(h) Going through intersections is dangerous as someone running a red light might hit you. For roads with bike routes that the city would like people to actually use, you need a safe way for bikes to go through intersections.

(i) Having fewer intersections on bike routes makes sense. Less intersections = less danger.

(j) Having a bike route temporarily go in the middle of the street separated by curbs would be good so that at intersections cars could be in the lane to the right and not pose a danger to the bikes. To get into that middle lane, bikes might need to cross a cross walk, or cross through heavy traffic which once again is dangerous. Streets that intersect with one way streets would pose less issues for bike traffic as bikes could travel on the left on intersections with right turn possibilities and then cross over and be on the right when the left turn avails. This way bikes would not have a conflict of interest with cars at the point of intersections. I would need to draw a diagram to clearly show this point.

The other way to do this is to have a bike route that is always in a middle lane, but have stop lights for the bikes so that the cars can turn into the right lane so that they can prepare for a turn. Using this approach the bikes would stop while the cars are going and vice versa which would cause a lot of delays. On long streets, having cross-overs only every two to three blocks would reduce time lost.

(k) Having bike fly-overs at major intersections would be safe. However, this is expensive. But, by sharing the cross over with pedestrians, scooters, etc., it might be more efficient or cost effective overall.

(l) Allowing bikes to swerve in and out of traffic, from roads to sidewalks and all over is very dangerous and a problem. Bikes need to follow rules and behave orderly.

(m) Bikes should ideally be registered and operators should need a license to operate on a divided road (i.e. with double yellow lines). This will increase the level of safety and education about the rules of the road. Right now we have anarchy which is annoying and dangerous.

Category 3. Quick Retrofitting for Roads to increase traffic.
Roads in Los Angeles are typically overused, and clogged most of the day, particularly during rush hour. There are various causes for this situation. Not having enough road space, clogged intersections, parking on major streets, valets, etc. I have a list of solutions to this type of problem.

1. Building more roads is a solution to the issue of road space. This involves knocking down large swaths of territory and destroying many homes. In the long run it would really help the city, but there would be many complaints in the short run.

2. Having multi-purpose roads is the main reason why traffic is so bad. Roads are used for driving, parking, bus stops, bikes, turning on short distance trips, and other purposes. By having certain roads focus on certain purposes, that might allow traffic to flow. If certain roads are optimized for driving straight for three or more miles, those roads would really move quickly, especially if the traffic lights were optimized. To achieve this goal, parking would need to happen on side streets or alleys and those who want to do lots of left turns should probably not use a long distance optimized road.

3. Unclogging intersections is an interesting problem. There are various ways to do this. Here are some ideas. Some of these ideas I learned about by reading about logistics and city planning on the internet.

(a) Move bus stops away from major intersections. They clog lanes so that only middle lanes can flow. Moving a bus stop a block and a quarter down the street will allow cars to get in and out of the bigger intersections and bus takers will only have to walk an extra block. I think they need the exercise, what do you think?

(b) Don’t allow parking within a block of a major intersection. Having side streets accommodate more parking is a good idea. It is common to have difficult parking restrictions on side streets to please the residents. The consequences is that that main arteries get clogged with parking and that causes traffic congestion, and causes heart attacks in humans if your arteries get blocked by plaque.

(c) Don’t allow parking on major streets in general. Traffic is safer and faster without parking.

(d) Having modified roads that can accommodate a smooth passage for utilizing the “three rights = a left” idea might be good.

(e) Additionally, right turns could be done by entering onto a ramp a block before a major intersection. You would have to knock down a few buildings for this, but it would eliminate the normal congestion at intersections caused by too many turns.

(f) Pedestrians typically cross while people are trying to turn right. this is dangerous and annoying. Having the pedestrians cross 200 feet down the road means more walking, but that reduces the amount of activity at the intersection itself which is good for safety.

(g) Pedestrians could also wait longer to cross, but then have crossing in all directions including diagonally. This would reduce the danger of cars hitting you or startling you by coming too close. This is by far the easiest of all of my suggestions.

(h) There are more complicated logistics solutions. If cards turning left turn left a block or two before the intersection onto a side street at an intersection where there is a lot less going on, and then make a right and then another left onto their main street, that is one way of reducing traffic at major intersections.

(i) Right/Left crossover sections of streets are a new method of traffic reduction that are growing in popularity. If right and left are reversed at an intersection on a cross street, then making a left turn becomes easy. Making a right turn would be more effectively done by turning off to the right a block early, going a block or two, and then making a left and then another right onto the main street which at that point would have reverted back to traffic on the right.

(j) Having rotaries at intersections or rotaries after intersections for those who want to turn around and then go a direction which would otherwise have involved a left turn… This is a way to achieve such a goal without a left turn signal, or a bridge.

(k) Having underground routes for people going through an intersection would free up road space for those doing a right or left turn.

Category 4. Non-invasive large scale solutions.
Going from downtown to Santa Monica during traffic can take forever. Just going two blocks downtown can be a nightmare due to the fact that traffic gets stuck and pedestrians are always blocking your turns which is an issue I addressed above. Building more highways is costly and there is no space. So, what is the solution? Having roads that are designed to move quickly, with optimized traffic lights makes sense. If certain roads are designed to go East quickly and other roads are designed to go West quickly, the city can move. South of the 10 freeway, there is less congestion on those roads.

My idea is to have certain streets downtown be optimized to just get cars out of the city as fast as possible with lights that keep turning green. Those roads could feed into streets South of the 10 such as Adams, etc., that could be optimized to go fast in a particular directions, again with lights that keep turning green. Whether those roads become one way or remain two way, they could focus on people going East on certain roads and West on others. Such a system would reduce load on the 10 freeway and get people where they are going in minutes instead of hours. It might also be an ideal way to get to Culver City or Torrance.

Category 5. Invasive and costly traffic solutions.
Building rotaries is expensive. Large rotaries that are bigger than what is conventional might be a real boon for fast moving traffic. This would involve tearing things down. But, would allow for a fast moving city.

One idea I had would be a rotary that is two miles in diameter with a completely rebuilt city in the middle, or the same old city in the middle. A controversial idea to be sure, but very interesting to think about.

Silver Lake near the 101 is such a place where a rotary or underground road would reduce the huge snags. There are too many intersections and roads going diagonal. The entire are is a mess that could be cleaned up with some expense. Regardless of the solution, the area’s logistics need to be simplified somehow. And there is more than one way to build a rotary. There are convoluted multi-rotaries that are connected to each other with different types of turnaround techniques too.

Hollywood & Highland and crossing over to Burbank have horrible traffic. Creating some underground routes and solutions to traffic snags that would make traffic move smoothly to Burbank would be wonderful. It would probably be possible to achieve this goal without any more bridges going over the 101

Tearing down huge swaths of buildings and creating routes that go straight through the city is controversial but would solve a lot of congestion. Bike routes could be built on these routes and maybe parking solutions as well. The city needs roads that are designed to get people across the city fast without too many intersections. Rebuilding allows for this. Additionally for bikes, long passages with no interruptions are safer and more convenient. This route could go underground near intersections as well. The problem comes when an uncongested new route interfaces with a highway that is badly congested. The uncongested route will become congested trying to take ramps onto the highway. So, what is the solution? Perhaps not connecting to the highways makes more sense. There is no sense in spending billions to create yet another traffic jam.

As a general rule, my strategy for invasive solutions would be to make a list of the city’s worst traffic snags and then to itemize them in order of how critical they are. Those areas should be worked on one by one finding the most sensible and cost effective solution on an individual basis. Cities across the United States are not known for their logistical skills, so it might be necessary to call in professionals from other areas to help with decision making skills.

Category 6. Downtown considerations.
There is too much going on downtown. Too many pedestrians clogging intersections. Too many buses, and too many cards. To simplify, if particular streets would cater to bikes, pedestrians and buses, and other streets would cater to cars, traffic might actually move. If certain streets allow pedestrians to cross without waiting long then pedestrians could move through the city with ease. You only need a few streets to be optimized for pedestrians, so they would not monopolize the whole city center. On streets optimized for cars. you might have pedestrian bridges, but pedestrians would have to wait a lot longer. This way cars could get in and out of the city.

I also like the idea of an elevated pedestrian and bike route. This way you could walk through the city without cars trying to run you down. Expensive, and the bike traffic does not merit this expense, but when you combine pedestrians which come by the thousand, it suddenly becomes a worthwhile investment.

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December 7, 2018

Stormy Daniels accuses Notary of having intercourse with her

Filed under: Humorous Posts — admin @ 5:18 am

After the whole Trump fiasco, now Stormy Daniels is accusing a California Notary by the name of John Q. Public of giving her hush money not to talk about the secret affair they had twenty years earlier.

STORMY: You know I’m gonna let society know what you did, you little rascal.

JOHN: Have I been a very very bad boy?

STORMY: I have a little dirt on you that I’m going to hold against you.

JOHN: Just like you held me against you?

STORMY: Not exactly the same way. But, you forgot to put a state in your venue, and that is an omission.

JOHN: Are you saying that I didn’t have any ink in my seal, are you saying that I’m shooting blanks? Because I assure you that I’m fully loaded.

STORMY: Well that’s the problem. You were so loaded you couldn’t do your notarization correctly without drifting off in the middle. You also forgot to administer an Oath on my Jurat. That’s fraud baby, and I’m going to report you.

JOHN: How much more hush money do you want? Actually, my commission’s over, so it doesn’t matter anymore.

STORMY: It does on a felony conviction.

JOHN: That was twenty years ago, so the statute of limitations is over. Actually, I need to see my Attorney to verify. I owe her hush money too, so I’ll multi-task.

ATTORNEY: Hey Stormy, you should be embarrassed to have done it with a Notary. You should be paying him hush money.

STORMY: Hmm, I never thought of it that way. Especially since I was thinking about running for office. Maybe you’re right. Let’s just call it even, and make a toast with my brother Jack.

ATTORNEY: Deal. But, calling it even, there are still Attorney fees. Okay. Two bottles of Jack will do it.

STORMY: That’s money down the storm drain — pity, but makes a great pun on my name.

You might also like:

Texas suspends Notary who handled Stormy’s hush money
http://blog.123notary.com/?p=22331

Perhaps Trump will take notary competency more seriously now that he is affected
http://blog.123notary.com/?p=22335

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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.)

.

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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November 13, 2018

The Delaware Oath revisited

Filed under: Technical & Legal — Tags: , — admin @ 10:22 am

I have started asking questions that intentionally lead you into going off on an unnecessary and illogical tangent. Notaries go on tangents all the time. So, if I have multiple choice answers or questions that would lead an illogical person off track, I get to see who is on the ball and who is not. Here is a scenario that I ask about a lot.

An Affiant appears before a Notary and asks for an Oath on a document that says, “I live in Delaware.”
The Notary declined the job because the Notary is an Illinois Notary, and not a Delaware Notary. What did the Notary do wrong and what should the notary have done?

COMMON ANSWERS

1. The Notary should have checked the ID.
If you are going to decline a Notary job, checking ID will not help. If your state requires identification for Oaths (most if not all probably do although I don’t know that for a fact) then identify the person and keep a journal entry.

2. Just change the venue to Illinois.
The document has no venue. It just says, “I live in Delaware.” The word Delaware is part of a statement and not a venue. If your state requires a certificate for Oaths, the certificate would have a venue, but most states do not have certificates for Oaths. No certificate = no venue.

3. He should look up Delaware wording
There is no state specific wording for Oaths in any state that I have heard of. Check your handbook for a real answer as I am not educated in state notary law although I read ALL the handbooks from all states regularly. An Oath is just an Oath and the notary or signer have the freedom to word it and craft it as they see logical and appropriate.

4. He should use Illinois wording on the Oath.
Once again, you do have to follow the notary laws in your state regardless of where a document is going to be recorded or where the custodian of the document is located. However, the document is NOT a Delaware document. It is a document that has no location at all — it merely states that the Affiant lives in Delaware.

5. The Notary should say, “Do you solemnly swear that you live at such and such an address in Delaware so help you God?”
This Notary is adding content that is not on the document. You can’t do that. Just administer an Oath as to the content of the document.

6. Add a Jurat
In this question you are giving an Oath only if you follow instructions. Oaths do not have Jurats, but Jurats have Oaths or Affirmations. You were not given permission to add a Jurat either, and might be considered UPL to choose the Notary act on behalf of the Affiant.

7. Just give an Oath.
The correct answer is to just give an Oath based on the content of the document. There is no state specific wording necessary. You could say, “Do you solemnly swear that the contents of this document are true and correct?” Then the Affiant must say, “I do.”

This question is really an easy question that tests whether you do your job, or get sidetracked by inconsequential details. You would be surprised at how many notaries just cannot do their job the minute they get distracted by something tiny that throws them off.

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