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December 29, 2016

Are eDocuments history?

Filed under: General Stories,Popular on Facebook (A little) — Tags: — admin @ 12:39 am

I remember the good old days when documents came to you by Fedex. After some time past, eDocuments became popular. More time passed and electronic documents became the norm. Next, eSignings started catching on, but Notaries didn’t like them because it was too hard having three people looking at one little screen of a laptop.

But, now the wheels of time are turning backwards. Now, eDocuments are getting fewer and fewer and there are more Fedexed packages. I wonder why this trend is happening? I guess there is less that can go wrong when you Fedex a package to someone. You don’t have to worry about their printer breaking.

Rock & Roll is dead.
eDocuments are history.
What is the world coming to?


November 11, 2016

The Notary Asylum

The Notary Asylum

We all know what the process is to become a notary — filling out the forms, applying to our Secretary of State, getting our seal, etc. But, what the State Notary Handbook doesn’t tell you is what becomes of Notaries who become crazy as a result of being a Notary.

There are lots of stress-inducers in this business. There are signing companies that don’t pay. Others like to micromanage. Constantly ringing phones, constant excuses for why the money hasn’t arrived when it was supposed to already. These are ingredients for frustration in the sanest of people. Borrowers who want to comb over every page when you’re already late for your next appointment! If our Founding Fathers had dilly-dallied over the signing of the Declaration of Independence as long, they would have told more people than Benjamin Franklin to go fly a kite! Some mistreat their Notaries. Call it Notary Abuse. Some send late eDocuments or send you to borrowers that aren’t even home and didn’t know they had a signing after they instructed you — “don’t call the borrowers.” Inaccurate or missing information is another recipe for frustration. Rates are often different from what was quoted. So no wonder an increasing rate of Notaries are developing varying signs of insanity. There needs to be a place for Notaries who have lost their documents… and minds. So, we decided to create one. It’s called — The Notary Asylum!

NOTARY #1: I run SnapDocs

NOTARY #2: No I run SnapDocs

DOCTOR: I think that both of you have a share in SnapDocs.

NOTARY #1: No, he doesn’t — I run SnapDocs

DOCTOR: Last week you said you ran 123notary

NOTARY #1: Well that was last week. This week I run SnapDocs

DOCTOR: You seem agitated. That’s not a good sign.

NOTARY #2: Ahhhhhhhhh!

DOCTOR: What’s the matter?

NOTARY #2: You said “sign.”

NOTARY #1: Ahhhhhhhhh!

DOCTOR: Sorry. Forget about your work. You don’t need me to… the s word… any document. You needn’t get all fired up about it.

NOTARY #2: Speaking of fired, last week I ran the NNA. I fired a lot of people too.

DOCTOR: Well, what does your paperwork say? Do you have documents proving your ownership?

NOTARY #1: I don’t need to.

NOTARY #2: I didn’t get paid; I didn’t get paid; I didn’t get paid. Shoot Docs never paid me.

DOCTOR: There is no Shoot Docs.

NOTARY #2: Are you going to not pay me as well? You never pay me.

DOCTOR: I am a psychiatric analyst. It is not my job to pay you. The state pays me.

NOTARY #2: Well at least somebody pays somebody around here.

DOCTOR: You’re both fine looking patients.

NOTARY #1: I don’t call paying us compliments paying us.

DOCTOR: I was just giving you my seal of approval.

NOTARY #1 and #2: Ahhhhhhhhh!

DOCTOR: “Seal.” Sorry, I give you my oath…

NOTARY #1 and #2: Ahhhhhhhhh!

DOCTOR: … that I’ll be more careful next time. As for now, I recommend that both of you take a break from… you know. Enjoy something that doesn’t remind you of your… you know.

NOTARY #1: That sounds wonderful.

DOCTOR: I’m releasing the both of you. Fill these prescriptions at your pharmacy. It’ll help you relax.

NOTARY #2: (reading) You forgot to sign it.

DOCTOR and NOTARY #1 and NOTARY #2: Ahhhhhhhhh!

One way to restore your sanity in the notary world: Know that you’re not alone if frustrations sometimes get the better of you. Being aware of what can go wrong can sometimes prepare you to ride out the frustrations when they occur. If you develop a Zen-like attitude and let at least some of it roll off your back, the next time a vendor doesn’t have yours (back, that is) you’ll commit yourself to moving on, not the notary asylum!


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April 19, 2014

Split PDFs into Letter & Legal Separate PDFs

Filed under: Ken Edelstein — Tags: , , — admin @ 11:12 pm

Today half of my printer died. I have an HP LaserJet 4100, the main part “sits” on base with a second drawer. I keep Letter paper in the lower drawer, and Legal in the top drawer. I figure the longer paper should have a shorter path; but put in either way it works the same. When printing the PDF, I select “Choose paper source by PDF page size”. It works fine, but only if you have both sizes of paper mounted in the printer. Generally, http://kenneth-a-edelstein.com has 2 working trays, but not today!

As mentioned, the bottom half of my printer died. I needed to print a set of edocuments which had interspersed letter and legal. First, a quick check to verify that it would be acceptable to print NOT interspersed; first the legal then all the letter. They agreed.

I needed some software quick. I found http://www.a-pdf.com offering a tool A-PDF Page Size Split which seemed to meet my needs precisely. I downloaded the software from their site using this link: http://www.a-pdf.com/page-size-split/index.htm – being always afraid of downloads the next step was to make (almost) absolutely sure it was malware free. To do this I went to https://www.virustotal.com and uploaded the file for their MANY virus scanner inspections. It passed. Next I virus checked it with my own anti virus software F-Secure (after doing a manual update) and it again passed. Satisfied that it did not contain anything nasty I installed A-PDF Page Size Splitter.

It installed quickly and soon I was splitting an old PDF of loan docs. Its interface was simple. It’s easier to use if you first create a dedicated folder somewhere and put a copy of the input file there. I let it default to split back to the input directory. It displayed the page count of letter and legal and created new files using the input file name and adding the words “letter” and “legal” into the original file name.

A quick look at the new files showed they were indeed properly split and the page count of the two new files added up to the count of the original file. Huuh? What’s this? A bit of a “gotcha”. An advertising watermark had been added to each output page. What I had was the demo version, used to make sure the product will work. My Win 7 64Bit Dell was compatible, as are many prior versions of Windows. But, now it was time to “Register” and pay the $49 to get rid of that watermark. I paid the piper and soon was emailed a code to Register and the subsequent processing was without the watermark. They also give free updates for life to registered users.

Sooooooooo, after splitting the file I printed the Legal, then changed paper to print the Letter. The service people still have the base with the second drawer and it will be returned in a day or so. The software was a bit expensive, but provides me a way to meet my obligation; and to be ready for the next malfunction.

One tip. In the ordering process they automatically add a ten dollar “download protection” that allows you to download at a later date. I find that feature totally useless. Once you have the registration code; you are always able to download the demo version and apply your registration code. Thus, the download protection seems to serve no function. Perhaps, the download protection sends you a file that already has your registration code “built in”. But, I deselected it. Updates are just a reinstall, with no need to do an uninstall prior to the update. They claim an update will “find” that you are registered.

A small side benefit is knowing exactly how many sheets of each type of paper will be required; just in case you are near running out. With the letter pages atop the legal pages it’s off to the borrower for me.

(1) Splitting PDF’s into letter & legal: a story of how it all went wrong.


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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