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September 29, 2016

Notary Aptitude Test 2

(1) Notary Stamp is to Notary Seal what Attest is to:
(a) A test and a verbal verification (b) swearing and stating (c) The 123notary signing agent online test and proof (d) Oath and affirmation.

(2) Document Date is to Signing Date what Match.com date is to:
(a) Ditching date (b) Marriage date (c) Engagement date (d) Backdate (e) No relation

(3) Backdating is to signing what _____________ is to lying about your age.
(a) Match.com profiles (b) rescission date (c) Notary Applications (if you’re under 18 or not a US citizen) (d) notarizing an acknowledgment an hour before your signing appointment.

(4) Name on Title is to Name on a Document as name on Birth Certificate is to:
(a) Name on your ID (b) Your street aliases (c) Death Certificate (d) Mother’s maiden name

(5) Jurat is to Oath, what Oath is to:
(a) Quaker Oaths (b) Oath written text (c) Swearing (d) Attest

(6) Original document is to wet ink signature as commission paperwork is to:
(a) Secretary of State’s seal (b) name of your state (c) Felony conviction (d) Commission impossible

(7) Venue is to State what State is to:
(a) Secretary of State (b) City (c) County (d) Zip code

(8) Witness is to bank robbery what Notary act is to:
(a) Acknowledgment (b) Jurat (c) Protest (d) Unmarked Bills

(9) Subpoena is to testify what credible witness is to:
(a) Busy-body (b) Bank Robber (c) Subscribing Witness (d) Identify

(10) Middle initial is to document what ___________ is to identification
(a) Name (b) Middle Name (c) Matching or longer (d) Name on Title

(11) Digital signature is to an eSigning what a/an ________________ is to the future of the Notary profession.
(a) eDocuments (b) Notary (c) eNotary (d) 123notary

(12) SnapDocs is to the Notary Profession what Walmart is to:
(a) eBay (b) Retail (c) Amazon (d) Life

ANSWERS:

1. Note to readers, seal has two meanings. It could mean a stamp, or a signature). Answer (a) is correct even though it is part joke and part true.

2. (e) is the correct answer as the document date is arbitrary and could be any date, and has no relation to the signing date although it is commonly the same date as the signing date by convention.

3. (a) Match.com profiles typically have women who lie about their age and roll back the years about five to ten years. But, do men also backdate their age?

4. The name on Title is your official name that the property is registered to which carries a certain amount of official merit to it and permenance just like the name on your birth certificate. However, people do change their names after the fact that could lead to different names on the document or ID. Correct answer is (a).

5. (c) Swearing is a part of the Oath just like an Oath is a part of the Jurat process.

6-12 Figure it out on your own! That was fun!

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February 10, 2015

Notary Technician or Flub A Dub?

Filed under: Ken Edelstein,Technical & Legal — Tags: , , — admin @ 4:21 am

As a notary professional you are expected to “know your stuff”. But, exactly what knowledge does knowing your stuff comprise? The obvious first component is your states’ notary laws. Yes, they vary from state to state, sometimes county to county. Commonwealth and Parish; the same. You must know your local laws; REALLY know them. Start with the “become a notary” study guide if your area offers such a document, then read the actual statutes. Confused by the “legal mumbo jumbo” – then ask the ones who issued your license for clarification. They want you to follow those regulations, and will answer questions. The laws change. You need to review them at the very least twice a year; all of them – to find the changes. In New York State it’s prohibited to notarize a civil deposition on a Sunday. Break this rule and when the document is thrown out; then someone will want compensation. My E&O will offer sympathy but not coverage.

“Sworn to and Subscribed….”, note the first two words. Do you just ask “something” such as “is what you signed true?”, or do you use verbiage mandated by your jurisdiction. I know, the “raise your right hand” is done only by a small fraction. But the oath!

Do you always carry a tiny pocket notary stamp? They are available about the size of a pack of gum. In addition to fitting into a really tight spot; you will be able to notarize most documents (even though embossing is best) without your full “notary kit”. Mine snaps open with a press of the thumb and is very light. They do require practice to affix a clear and proper image.

Most of us know enough to decline to include a few additional ACKs not related to any specific signature. But the ACK on the page following the signature (unless “locked down” by page number, loan number, etc.) – is exactly that. Do you know how to associate your notarization with a specific signature when necessary? Half an (additional) notary stamp on each page is one technique that works for me.

Certification of Copy requests are common. But, in some states it must be your clients’ statement as to the accuracy of the copy; that’s the rule in NY. It is also prohibited in NY to notarize (no matter who makes the statement) copies of Birth, Death and Marriage certificates. The state sells these in a tamper resistant format and forbids notaries from notarizing photocopies. Do you know the “no no” list as to photocopies in your area? Educational documents are also difficult.

Do you know how to obtain an Apostille? Every Secretary of State, under the authority of the US Secretary of State issues them. It’s often hard to find the procedure on the internet. It’s an easy revenue stream as many are frustrated when they try to do it themselves. Some nations, the UAE for example, require an “Apostille” issued at the Federal level. Do you know how to obtain it quickly? Do you know why the word Apostille is in quotes when discussing the Federal level?

As a http://newyorkmobilenotarypublic.com mine is a particularly demanding market. The work varies from simple signings to complex foreign documents that must be processed in a manner to meet the local laws, and be acceptable at their foreign destination. Your ability to process the unusual and complex leaves a lasting impression. Those who only know how to stamp and sign will be relegated to the lowest profit simple assignments. Learn more leads to earn more.

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April 17, 2011

Seal Forgery – it happened to me!

Seal Forgery – it happened to me
I notarized a set of loan documents for a company back in 2003. It was a regular signing and nothing went wrong. You know how companies sometimes request that you send them another “Jurat” if the stamp isn’t clear on the initial one? California notary law requires that certificates be attached to the original document for security reasons. This means stapled. But, the loan companies protest whenever you ask them to send you back the document and ask why you are being so difficult. For many signing companies, the idea of obeying laws means you are being difficult. The company that forged my stamp did not ask for a loose Jurat, they were in a hurry and pulled a fast one.

I heard about it from a third party
A third party contacted me asking if I had notarized a loan package for a particular borrower. I couldn’t find the information in my journal for the specified dates, or even for the specified month. We figured that it must be a company that I had worked for before that had an impression of my seal on one of their loan documents, since I didn’t notarize that particular borrower’s loan that was in question. We had to be detectives to figure out what had happened.

Copying my seal
This company copied an impression of my seal that was on someone else’s loan, and copied it onto an Acknowledgment certificate for an entirely different loan that I had never had anything to do with. It was hard to tell since photocopiers are so good. I asked the third party to send me the notarized document and its Acknowledgment certificate. The forging job was so pathetic, it was funny when I saw it. The seal looked legitimate to my eyes, since I couldn’t tell it was copied. However, there were tell tell signs that I had not notarized this document.

(1) I always used an embosser on every page of every document. Embossers leave a raised impression in the paper. This document had no raised seal on it.
(2) The signature was a very girly signature which didn’t match mine even slightly. The lines of the signature were very curly and the i’s were dotted with cute little circles that only a girl would make like that.
(3) The acknowledgment certificate wording didn’t have the he/she/them and (s) verbiage crossed out where appropriate indicating that the person who fudged this job couldn’t have been a notary, or at least was a really pathetic notary.

I told them:
After I saw this pathetic attempt at something which is not even good enough to qualitfy as forgery, I told the third party that I had definately not notarized this and that it was fraud. Additionally, there was no journal entry to back up this job, and I took journal entries for all transactions in all cases.

My advice
If you always use an embosser on all pages of all documents, you deter the switching of pages after the fact on documents you notarized. You make it almost impossible for someone to get away with forging your notarizations. Additionally, you impress your clients with how thorough you are which can gain you more business. An embosser is less than $40, so get one today! Some states will require a government issued authentication of permission to get an embosser, so apply now!

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January 17, 2011

Two and a half notaries! A Notarization Experience

This is a story about a happy notary in Malibu named Charlie. He lived with his brother Sam and his brother’s son Kevin.

Charlie: So, what do you want to be when you grow up?
Kevin: A Notary of course — ANYTHING BUT!
Charlie: Don’t knock until you try it
Kevin: All you guys do is stamp your dumb stamp on dumb documents.
Charlie: True, but it has its perks. That’s how I met Monica!
Kevin: Good point! Charlie notarizes Monica — Ooooh!

Sam: Hey, wait a second, I was dating Monica. I REFERRED her to you!
Charlie: Correct — you WERE dating Monica. And by the time we finished the Oath verbiage, she had forgotten all about you, so help you God!
Sam: Hey, that’s not fair, I’m never referring another of my friends to you ever again.
Charlie: Relax, it was all over within days. I gave her a 3-day right to rescind our relationship, and then I didn’t call her back.
Sam: That is JUST like you.

Kevin: Hey, what’s the difference between a Notarization, and a Notarization experience?
Charlie: Oh, about $1500

Maid: Keep your ink off the counters. By the way, I’m taking three days off this week. Tell Monica I said hi.
Sam: What? I thought you said it was over?
Charlie: I never said it wasn’t. For me it’s over. For her I don’t know. By the way, who is that person who keeps calling and then keeps hanging up?
Maid: I had the number traced. It seems to be coming from Topanga. Isn’t that where Monica was from?
Charlie: Oh brother.

(ring ring)
Maid: Hey Charlie, it’s for you. It’s a customer. Natalia. She sounds nice, you better take it.
Charlie: Hey Natalia. Are you up for another notarization with Vodka?
Natalia: Am I ever. Bring your notary stamp and your notary bond with you darling.
Charlie: I’ll be right over. Oh, but this time, let’s have the vodka AFTER the signing.
Natalia: Anything you like, just as long as — you — are there!
Charlie: I figure if we can remember to do the signing first, then after we have the vodka it won’t matter what we remember, because we won’t remember!
Natalia: 8 — sharp. don’t be late!

Tweets:
(1) 2 & a half notaries: What’s the difference between a notarization and a notarization experience?
(2) 2 & a half notaries: Find out what happens when Charlie notarizes Natalia and then have vodka afterwards!

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