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August 5, 2017

Oaths and the art of improvisation

Jazz musicians are famous for their ability to improvise. Con-artists know how to ad-lib. Notaries are also required to know a little about improvisation. The problem is that the states require Notaries to know how to administer Oaths when those very same states do not instruct Notaries on the art of Oath giving.

Beginnings and endings
A good Oath begins with some formalities. Remember, that Oaths are by definition formal, and should be formal. Lying to a Notary Public under Oath is an act of perjury and should not be tolerated!

“Please raise your right hand. Do you solemnly swear… (body of Oath) so, help you God?”

There is a beginning of an Oath which must include the word “swear” otherwise in my book it isn’t an Oath. Then, the Oath should ideally end with so, help you God? For those who want to leave God out of it, you can administer an affirmation instead of an Oath which uses the word Affirm and refers to no God. However, you must NOT use the term affirm in an Oath. You cannot mix and match notarial acts and their respective verbiages. Oaths use the term swear, Affirmations use the term affirm, state, or perhaps attest.

Bodies of Oaths
The body of an Oath would really depend on the context. As an Oath creator, you have to create Oaths that are useful, and make sense based on the situation. Sometimes there is some prescribed wording that you must use. Using prescribed wording does not let you off the hook for understanding the Oath. You must understand the Oath and its parts otherwise you won’t know if the prescribed Oath makes sense or not. If there is no prescribed wording, you can ad-lib or use a cheat sheet. But, if you lose your cheat sheet and cannot perform, people will think you are an idiot, and I run into this problem with Notaries a lot. Below are some examples of how I would create an Oath for various purposes.

PLEASE RAISE YOUR RIGHT PAW!

Marriage
“Do you solemnly swear to take this man/woman as your lawfully wedded husband/wife for better or for worse, for richer or for poorer, in smartness and senility (let’s be realistic), until death do you part, so help you God/Godess?”

Oath of Office as a Notary Public.
“Do you solemnly swear that you will uphold all of the laws relating to Notaries Public in the state of California, and faithfully discharge your duties as a Notary Public for the duration of your term, so help you God, the Secretary of State, and perhaps the NNA Hotline (if they still have one?)”

Oath for Military
“Do you solemnly swear to defend the constitution of the United States for the duration of your term as a Military Officer in the United States Army and defend the USA against all enemies foreign and domestic, and not abandon your duties for light and transient causes (or loophole clauses), so help you God?”

Rental Oath for Agnostics
“Do you solemnly swear to be a good tenant in this apartment for the duration of your year lease, and thereafter if you should stay beyond the contracted terms of this agreement, so you help you God… if there is one?”

Jurat Oath
“Do you solemnly swear that the contents of this document are true and correct to the best of your knowledge and that you agree to and will abide by the terms within if any, so help you God?”

ID Oath
“Do you solemnly swear that this is a true identification card for you as an individual and that it was not forged, counterfeited or falsified in any way, shape or form, so help you God (and the DMV?)”

Court Oath
“Do you solemnly swear to tell the truth, the whole truth and nothing but the truth, so help you God?” (standardized wording here and not ad-libbed in this situation.)

COMMENTARY
Please notice that my Jurat Oath included the requried word, “swear” and refered to a particular document and not just to thin air. You swear to something particular and not to thin air.

Please also note that my Notary Oath included the term, the state in question, the act of defending the laws of the state and being dutiful in discharging your duties. It is important to mention all of the relevant components of what a person is swearing to. Can you picture a Notary Oath where the new Notary is only asked if they swear they will be a good Notary for an undefined period of time? Ludicrous!

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May 9, 2013

What is a notary public?

What is a notary?

A notary is a state appointed public official that is authorized to conduct certain types of official acts such as Acknowledgments, Jurats, Oaths, Affirmations, Protests, and sometimes other notary public acts. Since notaries are appointed by their respective states, the laws for notary conduct and what types of official notary acts a notary can do vary from state to state.

Notary Acknowledgments & Identification Requirements
A notary public can execute acknowledgments. Acknowledgments are the most common notary act representing about 80% of all acts done by notaries! The notary must positively identify a signer as the first step in executing an acknowledgment. Identification requirements vary from state to state, but most states allow state issued identification cards, drivers licenses, and passports. As a general rule, any government issued photo-ID with a serial number, expiration date, and physical description is accepted. Social security cards, credit cards and green cards are not acceptable.

Identification through Credible Witnesses
Some states allow a notary to positively identify a signer through the use of credible witnesses who must be identified by the notary and then swear under Oath as to the identity of the signer. Personal knowledge of the signer used to be allowed in most states, but in recent years, notaries are required to rely on more “hard” forms of identification.

Notary Journals
After the identification process is over, the notary must fill in a journal entry in his/her official journal of notarial acts. Not all states require journals, but they should because the journal is the only record of a transaction that the notary has, and can be used in an investigation or in court after the fact in a few critical cases where fraud is suspected! The signer is required to sign the notary journal which is one of the most important parts of the notary process.

Notary Certificates
The notary must fill out an Acknowledgment Certificate with state specific Acknowledgment verbiage. The Acknowledgment wording can be embedded in the last page of the document, or could be added and stapled as a loose form.

The official notary seal
Notaries typically affix their seal to the notary certificate area in a document or on a loose certificate. This is a very official way that notaries finalize their notary acts. Notaries may use an inked rubber seal. Some states allow a notary public to also use an non-inked embosser which leaves a raised impression in a piece of paper — as a supplemental seal to deter fraud through page swapping.

Jurats
A Jurat is a notary procedure where the notary administers an Oath. The signer has to raise his/her right hand and swear under Oath to the truthfulness of a document or statement in a Jurat form. Additionally, the signer must sign the document in front of the notary for a Jurat, where they can sign long ahead of time for an Acknowledgment. Identification requirements for Jurats vary from state to state. Jurats represent roughly 18% of all notarial acts!

Oaths and Affirmations
Notaries can perform or administer Oaths or Affirmations for clients. They should record such acts in their bound and sequential journal as well. Wording for Oaths is really up to the notary, but some standardized or formal wording is recommended such as, “Do you solemnly swear that the contents of this document are true and correct to the best of your knowledge?”. Or, “Do you solemnly swear to tell the truth, the whole truth, and nothing but the truth, so help you God?”. The Oath verbiage depends on the situation and the document. However, it should be formal, and the Affiant (Oath taker) must raise their right hand definitively for this type of act. An Affirmation is the same as an Oath except for the fact that the word God is omitted from the Affirmation Verbiage.

Protests
This is an antiquated notary act where someone can protest the non-payment of a bill. I have never met a notary who has actually conducted such a notary act, but most states still include this as one of their official acts.

Acts allowed only in specific states
New York allows notaries to do Safety Box Openings as an official notary act while most other states do not. Rhode Island has something called a Marine Protest which is only an official notary act in Rhode Island. Various states allow notaries to act as a Witness as an official notary act as well. Additionally, please consult your state’s notary division for information about Apostilles and Authentications which typically involve either a local county recorder, the Secretary of State’s office, or a local embassy.

Documents that are commonly notarized.
Many notaries notarized Power of Attorney documents frequently. Notaries are advised not to draft such documents as they are legal documents. However, notaries can notarize signatures on such documents.

Affidavits of all sorts are normally notarized with a Jurat since they are to be sworn to (usually). The notary is forbidden from recommending a particular notary act over another, but they are not prohibited from stating what is “usually” done.

Wills can be notarized by a notary, however, it is generally frowned upon unless given written instructions from an Attorney!

Notaries can not notarize vital records such as Birth Certificates or Marriage Certificates.

A Notary Public can notarize Real Estate or Mortgage documents or loan documents except in certain Attorney states such as Massachusetts or Georgia where there are restrictions. Common loan documents that might be notarized could include Deeds of Trust, Signature Affidavits, Grant Deeds, Quit Claim Deeds, Occupancy Affidavits, and many more!

Where can I find a notary?
123notary has thousands of mobile notaries distributed throughout the United States that you can find on our Find a Notary page. They typically charge a travel fee and specialize in loan documents. To find a stationary notary, please consult your local yellow pages, or call pack & ship places in your area.

How can I become a notary?
Each state has a Secretary of State or Notary Division that appoints notaries. Please visit our state contact page, and contact your state’s notary division for details. Typically, you need to be 18 years old, not have a felony on your criminal record, be a citizen (some states require this), or in many states be legally residing in the United States. Most states have a Notary Public Application Form, and a Notary Public handbook for you to study from. You are normally required to pay an Application fee for becoming a notary, and there could be other fees for recording your Notary Oath of Office as well as the fee for your Stamp, Journal, and other related fees.

Is it worth it to become a notary?
It can be very rewarding to be a notary. You can make a lot of extra money in your spare time if you have a way to attract clients. You can meet new people, and learn new things. Mobile notaries who are good at what they do can make a full time living driving around doing loan signings. You can get a job more easily if the boss knows you are a notary, as that is a skill in high demand at many offices.

Tweets:
(1) A notary is a state appointed public official authorized to conduct certain types of official acts such as Jurats …
(2) A notary public can execute Acknowledgments, Jurats, Protests, Oaths, Affirmations…
(3) A quick guide to being a notary including: journals, seals, identification, witnesses, jurats, oaths & more…

I want to learn more!
Visit our GLOSSARY of notary and mortgage terms, and read more articles in our blog!

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