admin, Author at Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com - Page 79 of 149
123Notary

Notary Blog – Signing Tips, Marketing Tips, General Notary Advice – 123notary.com Control Panel

December 17, 2016

Who is involved with 123notary behind the scenes?

Filed under: Advertising,Popular on Facebook (shares) — Tags: — admin @ 12:05 am

When most of us see a website, we see the front end and are absolutely oblivious to what goes on behind the scenes. The fact is that running 123notary involves all types of work that you might not be aware of. Here is a breakdown of what gets done and who does what.

Hosting
123notary is hosted by Connectria and has been for eight years. They keep the site online and help solve technical issues with the servers. You might be surprised to know how much it actually costs to host 123notary. The cost is about $1500 per month and that is before a single hour of programming is billed.

Programming 1999-2010
123notary has had many programmers over the years.

Mark — was our main programmer and he built most of the functions on 123notary.

SzeWan — worked with Mark and did a lot of the phone lists and other functions of 123notary.

Peter — The original programmer for 123notary was actually Jeremy’s dad Peter who is a retired Ada Compiler programmer. Peter worked on much more sophisticated projects during his day and figured out web programming from the ground up. All of Peter’s work had to be rebuilt in newer languages such as ASP, and once again ten years later needs to be rebuilt in a newer version of ASP. When does it end?

Programming 2010-2016

InvitraTech — after Mark quit, which was a huge tragedy for 123notary, we used some programmers in India who we had used on another project. Due to some technical reasons logging into the server, we had to transfer programming to someone in Phoenix.

Phoenix Programmers –Unfortunately the guy in Phoenix had such a temper problem we had to cancel a very critical migration the day it was scheduled. We tried many programmers after that, but found them to be either incompetent, or to be unwilling to work. After that, it many months of trial and error to find another programmer who I liked and who would be loyal to us, and about two years of paying for two servers to finally get the migration to go through since I was so busy (and frustrated.)

Fred — Now, we are laying low on programming and Fred does small fixes for us. Fred was responsible for finally completing the migration and got it done very smoothly I might add.

Brent — In addition to Fred, Brent and his team help us out with fixes from time to time. This is a very long list of programmers. I think my life would have been easier if I could have found one who would stick to the job. Maybe I should have learned programming.

Sales

Carmen — has been with 123notary since 2003 which was the year our business started to really pick up. I remember sitting in the car in March 2003 answering a sales call and my friend (ex-friend) tried to get me to shut the phone off. I explained to him that my business is finally taking off, and why stifle myself? After a few months of the phone ringing off the hook which was a welcomed form of over-work after years of poverty — I came to my senses and realized I needed help. So, in 2003, I pleaded with Carmen to get her on board. She was very resistant at first believe it or not, and then developed a love and loyalty for the job which has lasted until today and hopefully for many years to come. Carmen became full-time with 123notary in 2005.

Jeremy also does outbound sales from time to time.

Adine, Wendy, Sally, and Leah have also done sales, although they all got busy with other things and decided not to work for 123notary anymore.

Writers

123notary’s blog became very popular around 2012. Instead of the world ending like the Mayans claimed, 123notay’s world got filled with interesting articles. 123notary was able to find a few amazing writers to help out. Ken does writing mostly about technical and business advice issues. Since he is an accomplished Notary, it is easy for him to write about the finer points of Notary marketing, pricing, and documents. Jeremy does a little of everything at 123notary and writes the majority of the articles. Andy is a professional TV and screen writer who wrote for Cheers, Seinfeld and more. Andy helps write comedy articles for 123notary and also helps with idea generation. Andy’s blog articles became hits and we have a folder for him in our Guest Bloggers category on our blog.

So, who else?
Mrs. Meao helped 123notary guard its working quarters from unwelcomed intruders (mice.) But, there were no mice, so Mrs. Meao took naps most of the time. In the future, I’d like to see more variety of blog writers. The problem is that the blog writing applicants come up with such lame topics that I never hire them. They are simply not in tune with what people want to read. We tried to create a teaching program, but none of the Notaries who had teaching backgrounds wanted to cooperate. So, we’ll see how 123notary develops. Wish us luck!

.

You might also like:

The story of 123notary
http://blog.123notary.com/?p=710

Share
>

December 16, 2016

Frequent signer miles?

Filed under: Humorous Posts — Tags: — admin @ 12:04 am

I had a dream where I met a notary who was very zealous about marketing his business. He offered frequent signer miles to his customers.

You get:
400 miles for each Acknowledgment
260 miles for a Jurat
Free peanuts & coke on your flight if you do an Oath.
1000 miles for a complete loan signing
1500 miles for a reverse signing

If you cash in 6000 miles, you get a free loan signing with 100 pages or less.
Or cash in 2000 miles and get a free mobile notary visit for two signatures and a complimentary wet nap.

The dream evolved after this — or should I say “went sideways.” I started out just with the signing agent talking about pricing. Then, we were on a British Airways where they announced, “At British Airways, we fly on the left side of the sky!” Then the captain announce that they would be doing a reverse signing and the plane started going backwards. Then we started going straight down and the flight attendant made the pilot swear under Oath that we were not going to crash. Right when we were about to hit ground, I was in someone’s living room having peanuts and coke — the notary was there saying, “Hey, would you like to get your free Oath now?” My response was — “Hell no — not on your life — or my life!”

.

You might also like:

Airline meals verses Notary Oaths & Affirmations
http://blog.123notary.com/?p=19549

Signing with a former Airline Captain
http://blog.123notary.com/?p=12870

Compilation of Notary sit-com episodes including Shark Tank!
http://blog.123notary.com/?p=15949

Share
>

December 14, 2016

Do you compare yourself to others on the 123notary search results?

Filed under: Advertising — Tags: , — admin @ 12:00 am

We want to remind all Notaries that you are in a constant state of competition. It behooves you to look regularly at what the others are doing in your area wherever you do notary advertising. If you in Timbuktu, IL, see how the others are doing. Otherwise, the phone will stop ringing and you won’t know why. Perhaps Tom in your area will have twenty new reviews while your last review is collecting cyber dust. Or perhaps Mary will have passed our Elite test while you failed our regular certification test two years ago and never tried again.

If you compare yourself to others on the list you will quickly notice certain things.

1. Some Notaries offer late night service. Our icons for Owl hours and 24 hours attract a lot of callers.

2. Some Notaries have many reviews and recent reviews. Others have three reviews the same day back in 2009 which looks fake by the way.

3. Some Notaries have a very evolved looking notes section while others have a one liner or leave their notes blank.

4. Some Notaries have a company name that sounds good while others just use their personal name.

5. Those using our site regularly are painfully aware of how much less knowledgeable signers are who are not 123notary.com certified. Those uncertified folks tend not to get picked much despite their claims that — “But, I’m NNA certified, so why should I have to pass another test? I already know it all.” Those who use our site think that you do not know it all if you can’t pass our test which is timed!

It boils down to — do you want jobs or not? Are you willing to do several quick things to make sure you get jobs or do you want to do the minimum and hope to get by? This is not Junior High folks, this is real life, and the minimum doesn’t cut it. You have to make sure you have all of your bells and whistles. You need notes, certifications, reviews, company names, good skills, you need to answer your phone regularly, and do good work. If you goof in any one area, your business will suffer. So, why not do everything right, and prosper?

.

You might also like:

The 24 hour icon and what it means
http://blog.123notary.com/?p=19455

How does pricing work for top placements on 123notary?
http://blog.123notary.com/?p=19355

Here is an easy way to make $4000 more per year
http://blog.123notary.com/?p=14162

Share
>

December 13, 2016

The Good Faith Estimate

Filed under: (4) Documents — Tags: — admin @ 9:49 am

The Good Faith Estimate may or may not be used anymore in loan signings as the new Closing Disclosure has an accompanying document called the Closing Estimate as of 2015. However, it is possible that some Lenders still use a Good Faith Estimate as different Lenders use different forms and variations on forms.

The Good Faith Estimate documents an estimate of what the various closing costs will be. The final numbers show up on the Closing Disclosure or HUD Settlement Statement. It is important for borrowers to understand which document is final and which one is merely a non-binding estimate.

The good faith estimate must be provided within three days of applying for a loan. Costing costs could include inspections, title insurance, taxes, appraisals, notary fees, title charges, reserves, and other fees.

How do I get a Good Faith Estimate Notarized?
If you need to notarize a Good Faith Estimate, just find a Notary on 123notary.com. However, The Good Faith Estimate is not normaly a notarized document, so save your money for getting your Deed of Trust notarized as that is always notarized in my experience!

Who drafts the Good Faith Estimate
It is normally the Lender who drafts or hires an entity to draft a Good Faith Estimate for him/her.

You might also like:

The APR
http://blog.123notary.com/?p=14483

The 30 point course synopsis
http://blog.123notary.com/?p=14233

Share
>

December 5, 2016

Affidavit of Support

What is an Affidavit of Support?
The Affidavit of Support is a common immigration document. This document needs to be notarized with a Jurat (a common Notary act which involves a sworn oath.) The purpose of this document is typically for one family member to promise to the government that they will financially take care of the individual who they are trying to bring to the United States.

Where can I learn about Affidavits of Support?
For official information about this document, please consult an Immigration Attorney or the Department of Immigration. Please do not ask immigration questions to a notary as they are not authorized to answer these types of specialized questions unless they have some type of official authorization.

How do you notarize an Affidavit of Support?
Please make sure you have the document in your hand, and fully understand it before calling a Notary. The Notary will have you swear under Oath and sign in front of him/her. Next, the Notary will will in the Jurat certificate verbiage (notary wording) in the form and stamp the document in at least one place. When I was a Notary, Affidavits of Support required two stamps. There is also a problem that the document doesn’t leave ample room for the Notary Seal, so try to squeeze it in or attach a separate Jurat form if the client chooses for you to do so.

My personal experience with Affidavits of Support.
I had fun notarizing Affidavits of Support. I had lots of clients from around the world who treated me to tamales, dim sum, Thai coffee, and other international treats. Notarizing for Chinese people is the best as they are much more likely to feed you than other nationalities — plus, I love Chinese food.

What are some other commonly Notarized immigration documents?
The Affidavit of Citizenship is a commonly notarized immigration document. The Affiant commonly drafts his/her own statement and then has the Notary notarize the statement which normally includes a sworn Oath and normally requires the signer to sign in the presence of the Notary.

.

You might also like:

Affidavit of Citizenship
http://blog.123notary.com/?p=2028

Modern Family: An Affidavit of citizenship & affidavit of domicile Notarized
http://blog.123notary.com/?p=10989

Affidavit of Support & Direct communication with the signer
http://blog.123notary.com/?tag=affidavit-of-support

Share
>

December 4, 2016

Power of Attorney – Notary Processing Mistakes

Playing Lawyer

You’re going there to notarize, that’s what you do. The caller asked you to bring some blank copies of a “standard” Power of Attorney. I think not. There many different formats to the Power of Attorney document. Selecting, as when you provide a document; could probably be interpreted as the Illegal Practice of Law. You don’t know their requirements, but you happen to have some documents titled Power of Attorney – a recipe for disaster. We notarize upon proof and oath; it’s their responsibility to know what they are signing. That applies to Principal, Agent, Monitor and Successor Agent.

Fuzzy Job Specifications

I need my signature notarized on a Power of Attorney form. Do you accept that sole statement? Does the caller have the form(s)? Is the caller the Principal granting the powers? Will there be Agent(s) and Successor Agent(s). You probably inquired about the ID that will be presented by the caller – but do you know anything about the ID status of others to be notarized? Will all parties be present when you arrive, or will there be a lengthy wait for a tardy Agent? The caller mentioned “a” Power of Attorney form, that’s true enough – but are ten more duplicates awaiting you? Did you schedule this as a “quick one” with your next assignment very soon?

Accepting Risk

You want to avoid accepting risk. One tool is having the assignment prepaid. A more important tool is communication with your client. Stress that the signature(s) of the Principal, Agent and Successor Agent must have proper supporting ID, and that the name on the ID must match the name to be notarized on the Power of Attorney. I make it very clear: “If any person to be notarized has an ID issue that precludes notarization; you will get my sincere regrets, but not a refund”. Hospital jobs have access concerns when the Principal is the patient.

Not Sharing your Knowledge

Many are new to using a Power of Attorney. They often assume a photocopy will be accepted and that they need only one original. That is often not the case. Offer duplicates for a modest fee. Blank areas might require a N/A. Use your embosser – it’s required to submit the document to Federal Courts, and might be required if the document leaves the state where notarized. Clients can forget that most Power of Attorney documents require the authority of Agent, and Successor Agent to be specified. This is usually done by the Principal initialing various “right granting” sections giving authority to one or more Agents, and, or, Successor Agents – easy to overlook.

It’s also easy to overlook the “Separately” initial area. When there is more than one Agent or Successor Agent; the common document default is that they must act in unison. Often, the independent ability of these agents is desired; this requires initials in the appropriate area.

Disorderly Processing

In our signings we complete one document then move on to the next one. Processing a stack of identical Power of Attorney documents is best handled differently. I prefer the “same thing over and over” approach. An entry on the first copy is propagated to the remaining copies. Then the next entry is made in a similar manner. This is easier for all involved as they, after the first two or three; are “familiar” with “what goes where”. After ID checking, and notary oath administration(s) – the notarizations can proceed in a similar manner. Mentally tie to giving the oath asking the affiants if they returned their ID to a safe place. This avoids being called to return their ID when they misplaced it – this happened to me a few times.

The Introduction to the Power of Attorney, New York Statutory Short Form

CAUTION TO THE PRINCIPAL: Your Power of Attorney is an important document. As the “principal,” you give the person whom you choose (your “agent”) authority to spend your money and sell or dispose of your property during your lifetime without telling you. You do not lose your authority to act even though you have given your agent similar authority.

When your agent exercises this authority, he or she must act according to any instructions you have provided or, where there are no specific instructions, in your best interest. “Important Information for the Agent” at the end of this document describes your agent’s responsibilities.

Your agent can act on your behalf only after signing the Power of Attorney before a notary public.

You can request information from your agent at any time. If you are revoking a prior Power of Attorney, you should provide written notice of the revocation to your prior agent(s) and to any third parties who may have acted upon it, including the financial institutions where your accounts are located.

You can revoke or terminate your Power of Attorney at any time for any reason as long as you are of sound mind. If you are no longer of sound mind, a court can remove an agent for acting improperly.

Your agent cannot make health care decisions for you. You may execute a “Health Care Proxy” to do this.

If there is anything about this document that you do not understand, you should ask a lawyer of your own choosing to explain it to you

Have you asked the Principal, Agent, Monitor, and Successor Agent – if they have read and understood the disclosures, usually on the first page of the Power of Attorney document?

.

You might also like:

How do you get a Power of Attorney Document?
http://blog.123notary.com/?p=20785

Index of posts about Power of Attorney
http://blog.123notary.com/?p=20255

Index of information about documents
http://blog.123notary.com/?p=20258

Penalties for Notary misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315

Share
>

December 1, 2016

I eat, breathe and sleep 123notary

Filed under: Social Media — Tags: , — admin @ 11:50 pm

For those of you who wonder what it is like running 123notary, it is non-stop work. I eat, breathe and sleep 123notary.com. I even have dreams about 123notary.com when I’m asleep. I also dreamt that my housemate was listening to loud salsa music, but that’s a different story.

When I wake up in the morning, the first thing I do is to roll out of bed, visit the bathroom, and then sit down at my computer for a few hours. There are emails to answer, orders to process, phone calls to call, tweets to tweet, and other things to do as well. I normally take a walk every afternoon and I think about 123notary during the entire walk. Experts claim that taking long walks calms you down and makes you smarter. Some of the greatest artists, composers and thinkers of all time took long walks daily. I include myself in this category of people as I compose great music in my head during walks, but never write it down such as a concerto for orchestra and unaccompanied jazz saxophone (not sure if that would sound so good in real life, but worth a try.)

When I go out with friends, we always discuss 123notary, among other things. I went to the symphony today, not to hear music, but to sit in the lobby and absorb their “qi” energy to benefit 123notary. Yes, feng-shui really does work if you know how to do it right. Basically, everything I do, I do for 123.

As Carmen once put it (sounds like an MTV commercial)

I want my 123

Share
>

November 30, 2016

Notary Acknowledgment Wording

If you are a Notary, or want to get something Notarized, you will have to deal with Notary wording and perhaps Notary Acknowledgment Wording. There are various types of Notary acts, and Acknowledgments are the most common with Jurats in second place. The process of getting something notarized normally involves the signer personally appearing before a Notary Public, showing ID, signing a journal, etc. The Notary needs to fill in the notary wording on the certificate and then sign and stamp the paperwork. Here are some facts about Acknowledgments.

(1) Certificates
The instrument that contains Notary Acknowledgment wording is called a “Certificate.” A certificate can be a separate piece of paper that is added by staple to a legal document. Or, the certificate wording could be embedded in the document below the signature section. In either case, the Notary certificate must contain notary verbiage specific to the state requirements where the notarization is taking place. The format of the certificate typically includes a venue, body of the acknowledgment and then a signature area at the bottom. There is often an additional or optional information section as well. The Notary’s seal must be affixed near the signature section of the certificate whether it is a loose certificate or boiler plate wording embedded in the actual document.

(2) State Specific Wording
If the notarization is being recorded in one state, but being notarized in another, then the Notary Acknowledgment wording must be substantially similar to the approved and required state wording where the document is being recorded. Notary Acknowledgment Wording differs from state to state. You can Google your state’s Notary wording if you like, or visit our find a notary page for more detailed information.

(3) Jurats
Please also keep in mind that some people call all Notary forms a “Jurat” while a real Jurat is substantially different from an Acknowledgment as it contains an Oath (by definition) and requires signing in the presence of a Notary. State rules for Jurats also differ from state to state, so you need to find out what the rules are in the state that you are being Notarized in are.

(4) Sections in an Acknowledgment

(a) Venue (State of Nevada; County of Clark)
(b) The words, “Appeared before me”
(c) The date (i.e. 08-04, 2012)
(d) That the signer acknowledges signing the instrument that their name is subscribed to within
(e) Name of the signer and the notary.
(f) Proof of identity of the signer
(g) Signature (seal) of the notary
(h) A place for the notary to affix their official notary seal.

(5) Optional Information
There is also an additional information section on Acknowledgments where you can indicate the number of pages in the document, the document name, and other identifying factors. To deter fraud, it is a prudent habit to fill out as much additional information as possible and even get a thumbprint on the certificate as well as in the journal.

(6) Sample Acknowledgment Wording

State of California
County of Los Angeles

On 5-15-2011 before me, John Doe, notary public, personally appear Joe Barber who proved to me on the basis of satisfactory evidence to be the person whose name is subscribed to the within instrument and who acknowledged to me that he executed the same in his authorized capacity and by his signature(s) on the instrument the person, or entity upon behalf of which the person acted, executed the instrument.

I certify under PENALTY of PERJURY under the laws of the state of California that the foregoing paragraph is true and correct.

WITNESS my hand and official seal

—————————————— (affix stamp here)
(Signature of Notary)

.

You might also like:

Use 123notary to Find a Notary
Find a Notary

Can you send a loose Acknowledgment?
http://blog.123notary.com/?p=16168

California Acknowledgment Wording Explained
http://blog.123notary.com/?p=8459

Optional Information on Acknowledgment Certificates
http://blog.123notary.com/?p=4407

Share
>

November 29, 2016

Subordination Agreement

Filed under: (4) Documents — Tags: , — admin @ 10:24 am

What is a Subordination Agreement?
A Subordination Agreement is a notarized document that establishes the order of liens against a property. If the property owner defaults in a payment resulting in a bankruptcy, the lien mentioned first in the subordination agreement gets paid off first from the proceeds.

If you are refinancing your first mortgage and have an existing second or home equity line, one could “subordinate” the second mortgage: request that your second mortgage holder go back into the second lien position when you replace your existing first mortgage with the new refinance loan. The Subordination Agreement is the document used for this purpose. The Subordination Agreement always needs to be notarized and recorded with the county recorder.

How can you notarize a Subordination Agreement?
The Subordination Agreement is commonly notarized with an Acknowledgment. You would need to personally appear before a Notary Public with this document signed by you. Then, you would sign the Notary’s journal (in most states) and acknowledge that you signed the document. You would need to be identified by the Notary with a driver license, passport, or other current government issued photo ID with a physical description. Then the Notary would fill out the Acknowledgment wording, sign and seal the paperwork, and you’re done. This document needs to be recorded at your county clerk’s office as stateed above!

You might also like:

Signing Agent best practices 63 points
http://blog.123notary.com/?p=4315

Best blog articles for advanced Notaries
http://blog.123notary.com/?p=14736

Share
>

November 26, 2016

I felt like I was being used (Snapdocs assignment)

Another Notary worked for Snapdocs and had an emotional reaction after the fact. She got one of those low-ball assignments, took it, and then complained she felt like she was being used. If you don’t like working for below market rates, nobody is putting a gun to your head! This new signer was concerned about wear and tear on her car, ink, paper, gas, etc. The bottom line here is that anyone who uses you is using you no matter the price. You sell your services for money. The question is, do you know the value of your time and do you know the itemization of your expenses for various types of jobs?

There is no set value on your time, so you have to create your own value. If you don’t know your value, how will you accept or reject jobs. For newbies, the value of getting work under your belt is much more than the value of your dignity. An inexperienced Notary in my book is not worth much. If you have less than 1000 signings and no certifications, I personally wouldn’t use you for anything. If you have 5000 signings and three certifications, then you become valuable as long as you have a good track record.

SIGNING CO: Would you do this modification for $100?

NOTARY: I will not – I have morals

SIGNING CO: How about $1,000,000?

NOTARY: Well, okay…

SIGNING CO: How about $150

NOTARY: What kind of Notary do you think I am?

SIGNING CO: We’ve already determined that, we’re just haggling over the price.

You might also like:

Do you compare yourself with others on the 123notary search results
http://blog.123notary.com/?p=18882

What is a high spot on 123notary worth?
http://blog.123notary.com/?p=16720

The state of Notary advertising in 2016
http://blog.123notary.com/?p=16738

Share
>
« Newer PostsOlder Posts »