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September 6, 2014

Don’t Die Trying! (when your schedule is tight)

Filed under: Ken Edelstein,Popular on Twitter,Popular Overall — Tags: — admin @ 3:48 am

Don’t Die Trying
Tight schedules are part of being a notary. “Can you be here in less than half an hour” is a common request. E-documents come late, borrowers have to leave at a certain time, the LO is stressing how you are “being depended on” to meet your commitment (even though the docs are late). The pressure to be ON TIME assaults you from all directions. Hill Street Blues, a popular police show had the phrase “let’s be careful out there” at the end of the roll call. Out there, includes your transit to the assignment; be it by car, foot or mass transit.

How much money is your life worth to you? Silly question of course, sane people don’t put a dollar value on their existence. But many otherwise sane people do borderline insane actions for the sole purpose of being on time. Long time readers might recall my telling of abandoning a late borrower due to the start of freezing rain. Do you think you can drive on that? Think again. Unless you are driving an army tank with treads in place of times; it’s a deadly folly. Sometimes as I sit at the PC writing these blogs I get the dreaded “writers block” and struggle to think of something worthy of your reading time. Not now, the multiplicity of dumb things that notaries can do is virtually endless. Fortunately, few do most of them, but some do a few of them.

New York State has just made hand held cell phone use a 5 point “on the license” violation. Get 11 points and you start walking. Even speeding is generally less than 5 points. That same law covers many in car electronic devices. Do you fiddle with your GPS when the destination changes? It’s the same penalty, also for any other electronic distraction. I’m 100% for this new law. I don’t want someone plowing into me due to their inattention. I’ve had only one accident in my 50+ year driving history. She crossed in the middle of the block and appeared in front of me from in front of a double parked delivery truck. I hit her before I could touch the brakes. Witnesses said it was not in any way my fault; I was only doing 20MPH in a 30 zone. But the terrible sound of her body rebounding from my car still haunts me.
Any activity in addition to driving is a distraction. The list includes talking to a passenger, drinking coffee, even listening to the radio. But the worst and most dangerous distractions require you to shift your eyes from the direction of the car. My Bluetooth cell device is totally hands off, as is my GPS which talks to me and takes voice commands. It’s not just the points, the guilt and probable criminal penalties for vehicular homicide are too terrible to risk.

I’ve written many blogs, but this one has my heart and soul. Please, be as late as necessary to that silly appointment. No Bluetooth device? Pull over, put it in park, call ahead and tell them you are driving safely and will be late. Missing a signing is much less traumatic than missing your eyes from having them removed due to being embedded with glass from the windshield.

Avoidance of the temptation to rush is really the best policy. Turn down unrealistic requests, ones that would put you and others at risk. Speeding, “tail ending the red light”, the illegal turn; or being distracted – are all easily avoided by prudent scheduling.

You can’t say “I’m sorry” from a casket. Not only do you risk death, you let your friends and family down. Who will be the one to replace you? Will your epitaph be “died a fool for a buck”?

(1) Can you put a dollar value on your notarial existence?
(2) You can’t say I’m sorry from a casket. Don’t try to book your appointments too tightly together
(3) How much money is your life worth to you. Scheduling too tightly could end it!
(4) Tight schedules are part of being a notary. But, don’t make it too tight or u’ll start feeling tightness in your chest!

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December 25, 2010

e-Documents Definition

Filed under: Signing Tips — Tags: , , , — admin @ 9:42 am

e-document definition 
 Documents that are sent electronically to the signing agent are called e-documents. There are a number of different common viewers necessary to view and print e-documents. Typically, a notary will receive documents and immediately need to print them and then go out to complete the signing with the borrowers. E-documents are typically sent at the last minute. Notaries typically charge extra to print out e-documents as it takes time, paper, and creates wear and tear on their toner or ink cartridge. E-documents have nothing to do with e-notarizations. An e-notarization is done purely online while an e-document signing is done with physical documents face to face with the borrower. E-signings are done with some of the documents being signed online. E-document signings are generally completed after the documents have been printed.

Issues with e-documents include the fact that a notary might have to go all the way home just to print documents.  Many companies send documents at the last minute and there are sometimes delays that add to the headache of doing a signing.  Some of our smarter notaries have mobile offices so they can print on the road while others have a kinko’s account so they can find a kinko’s near where they currently are to print documents on the run.


December 19, 2010

e-Documents Information and Discussion

Filed under: Technical & Legal — Tags: , , , — admin @ 10:17 am

Should you always use legal paper for e-docs?
This topic started as a forum post about e-documents.  It was so popular and got so many responses, that I’m making it into a blog entry.
Many notaries have dual tray laser printers, while others have a single tray printer. Is it bad to use all legal size paper for printing loan documents while only some of the documents need to be on legal sized paper? Has anyone gotten complaints for using the wrong sized paper?

Additional reading about legal sized paper:
Commentary from notaries 

It is advisable to use legal paper if you dont have a dual tray printer. This way you dont cut off any of the legal size docs. The other problem with this option is that you will spend more on legal size paper than letter size paper. It is way more cost effective as well as more professional on your part with the companies you work for to use a dual tray. It is just best in the long run to just save and get a dual tray. Once it is set up it is a dream to print loan doc’s. Keep in mind if you dont have the money just yet it is still ok to print on legal size paper. Most companies usually dont mind.

Yes, printing on all legal may be a problem in some jurisdictions. Pinellas county (FL), for example, has switched to ALL letter size. That means the recordable documents, e.g., deeds and mortgages, must be printed on letter size paper. Otherwise there may be additional costs or the recording request may be rejected. Many other jurisdictions are starting the switch as well.  Some title companies and lenders are aware of this situation and may separate the recordables into another file so it can be easily printed on letter paper.
If a signing agent cannot print both sizes, then printing on all legal would be the preferred size. However, I’ve noticed it more often now that companies are asking if we have dual tray printing capabilities. So, not being able to support mixed-size printing may cause a loss in assignments, but I don’t think it’s too great a problem yet.
The problem with that is if the document is printed in the center of the page, then it is difficult to cut both tops and bottoms of the pages. Most of the time when that happens it is because one of two issues: (1) The documents are letter size but scanned to legal size – which means there is nothing the signing agent can do about it; and (2) the signing agent’s printer settings may be incorrect – which is something that can be fixed in many cases.

Agree, dual-tray is what a true professional would use. There really isn’t that much investment to make when you start-up a signing agent business, and at least one good work-horse laser printer with the ability to print letter & legal is a pretty slim minimum, IMHO.
MoneyMan TX
I have had some companies want all letter sized, others state any size, and others state print exactly as scanned in (letter or legal). Printing all legal can also create issues with certain lenders, I know it did when I was a loan officer.

Lisa T
A couple of times, I’ve been sent the edocs for a signing where the files were separated, one was letter size and the other legal size. I have two laser printers so I can load one with legal paper and print on that laser printer while at the same time printing the letter size file on the other printer.

I don’t know for sure, but I would guess that a TC should have a paper cutter and just cut down the specific legal size papers down to letter size. Who can tell the difference?
In a word: No. Print to size if you can. Otherwise you default to legal. My experience has been that there are a very few companies who will include the instructions to either use all letter or all legal. Although, previous posters are correct, too.

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