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December 15, 2023

Mastering Work-Life Balance in Notary Business

Filed under: Become a Notary — Tags: — Tom Wilkins @ 12:00 am

In today’s fast-paced world, achieving a healthy work-life balance is crucial for success and well-being, particularly in the notary business. Homeowners and business owners must understand the dynamics of maintaining this balance to ensure efficiency and personal satisfaction. This article delves into the critical aspects of work-life balance for notary businesses, providing insights and strategies tailored for homeowners and business entrepreneurs.

The Importance of Work-Life Balance in Notary Business

Work-life balance for notary businesses is a concept that involves managing professional responsibilities and personal life in a way that minimizes stress and enhances overall well-being. Finding this balance is essential for notaries, who often juggle numerous tasks and responsibilities. It can lead to increased productivity, better mental health, and improved relationships with clients and family.

Strategies for Achieving Balance

Set Clear Boundaries: As a notary, you must define and stick to your working hours. This helps manage expectations with your clients and allows you to dedicate time to personal activities.

Leverage Technology: Utilize digital tools and software that streamline your notary processes. This efficiency can significantly reduce your workload, leaving more time for personal activities.

Prioritize Your Health: Regular exercise, a balanced diet, and adequate rest are key to maintaining your energy levels and focus, both crucial for a successful notary business.

Outsource When Necessary: Don’t hesitate to delegate tasks or outsource certain aspects of your business. This can free up valuable time better spent with family or on leisure activities.

Stay Organized: Good organization is key to managing a notary business efficiently. Keep your schedule, contacts, and documents well-organized to minimize stress and save time.

Take Breaks: Regular breaks are essential to prevent burnout. Whether it’s a short walk or a weekend getaway, time away from work can rejuvenate your mind and body.

The Role of Flexibility

Flexibility in your work schedule is crucial in the notary business. It allows you to adapt to unexpected personal commitments without compromising your professional responsibilities. Embracing a flexible work model can lead to greater job satisfaction and a healthier lifestyle.

Balancing Client Expectations

Managing client expectations is a critical aspect of maintaining a work-life balance. Clear communication about your availability and working hours helps set realistic expectations. Remember, a well-balanced notary is more likely to provide quality service, leading to happier clients.

Finding Harmony in Your Notary Career

In conclusion, mastering work-life balance for notary business involves setting boundaries, leveraging technology, prioritizing health, outsourcing, staying organized, taking breaks, being flexible, and managing client expectations effectively. Implementing these strategies can lead to a more fulfilling career and personal life. Remember, a balanced life is not only beneficial for you but also for your clients and family.

For more insights on notary business practices, don’t forget to explore how to use a FedEx drop box, an invaluable resource for notaries looking to streamline their document handling processes.

Achieving a work-life balance for a notary business might seem challenging, but with the right approach and mindset, it is certainly attainable. Remember, a harmonious balance between work and personal life is key to long-term success and happiness in any profession.

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October 6, 2023

Online Notary Networking Groups

Filed under: Topics of Interest — Tags: — Tom Wilkins @ 5:27 pm

In today’s digital age, the role of a notary public has evolved beyond the traditional pen-and-paper world. Online notary networking groups have emerged as a valuable resource for notaries to connect, collaborate, and grow their businesses in the virtual realm. This blog will explore the world of online notary groups and how they can benefit notaries looking to expand their horizons.

What are Online Notary Networking Groups?

Online notary networking groups are virtual communities where notaries and the public share knowledge, experiences, and opportunities related to their profession. These groups provide a platform for notaries to connect with peers, learn from experts, and access valuable resources to enhance their notarial services.

Benefits of Joining Online Notary Groups

1. Networking Opportunities: One of the primary advantages of these groups is the chance to network with fellow notaries from around the world. Networking can lead to collaborations, referrals, and valuable insights into the notary industry.

2. Access to Educational Resources: Many online notary networking groups offer educational content, such as webinars, articles, and tutorials, to help notaries stay updated on industry trends and regulations.

3. Marketing Tips: These groups often discuss topics like marketing tips for mobile notary services, among others. If you want to expand your client base and increase your income, these groups can provide valuable marketing tips and techniques tailored to your profession.

4. Community Support: The notary profession can sometimes be solitary. Online groups offer community and support, where notaries can share their challenges and successes with like-minded individuals.

5. Stay Informed About Legal Changes: The legal landscape is constantly evolving, and notaries need to stay informed about changes that may affect their work. Online groups often discuss legal updates and their implications for notaries.

6. Client Referrals: Being part of a notary networking group can lead to client referrals. When individuals or businesses in the group require notary services, they are more likely to reach out to a trusted colleague from the group.

How to Find and Join an Online Notary Networking Group

Search Online: Conduct a simple search using keywords like “online notary networking groups.” You’ll find various platforms and communities catering to notaries.

Social Media: Platforms like Facebook and LinkedIn have notary-specific groups where professionals can connect and interact. Joining these groups can be a great way to get started.

Professional Organizations: Many professional notary organizations have their online networking groups for members. Consider joining a relevant organization and exploring its online community.

Online Forums and Communities: Explore forums and discussion boards related to notary services. These platforms often have dedicated sections for networking and collaboration.

Ask for Recommendations: If you know other notaries, ask them for recommendations on which online groups they find most valuable.

Tips for Getting the Most Out of Your Time

1. Engage Actively: Don’t just be a passive member. Engage actively in discussions, share your expertise, and ask questions. The more you contribute, the more you’ll benefit.

2. Respect Privacy: Be mindful of client confidentiality and legal regulations when discussing specific cases or sharing documents within the group.

3. Build Relationships: Focus on building genuine relationships within the group. Networking is more than just business; it’s also about connecting with people who share your professional interests.

4. Stay Informed: Regularly check the group for updates, discussions, and educational resources. Set aside time in your schedule to participate actively.

Unlock Your Notary Potential Today

Conclusion

Online notary networking groups offer notaries an invaluable opportunity to expand their knowledge, connect with peers, and grow their businesses in the digital age. By actively participating in these communities and leveraging their benefits, notaries can thrive in the ever-evolving world of notarial services.

Remember, the key to success in these groups is not only what you gain but also what you contribute. Engage actively, stay informed, and build meaningful relationships to maximize your online notary networking experience.

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September 15, 2023

Unlocking Success: Why Continuous Learning Matters for Notaries

Filed under: Topics of Interest — Tags: — Tom Wilkins @ 12:00 am

Professionals in various fields must stay ahead of the curve in a constantly evolving world that adapts to new technologies and methodologies. The same holds true for notaries, who play a crucial role in legal and financial transactions. Continuous learning, especially in continuing education for mobile notary services, is vital to unlocking success in this profession.

The Importance of Continuous Learning for Notaries

Notaries serve as impartial witnesses to the signing of important documents, verifying the identity of signatories, and ensuring the legality of transactions. As the nature of business and legal processes evolves, so does the role of notaries. Keeping up with the latest regulations, industry standards, and best practices is vital to providing high-quality services in this field.

Adapting to Changing Regulations

One of the most compelling reasons continuous learning is essential for notaries is the ever-changing landscape of legal and financial regulations. Laws governing notarial acts vary by jurisdiction and can change frequently. Staying informed about these changes is crucial to ensure that notaries are compliant and can provide accurate and legally binding services.

Continuing education for mobile notary services offers a structured way for notaries to stay updated on legal requirements specific to their region. Notaries can gain valuable insights into new legislation by participating in such programs and ensuring their practices align with the law.

Enhancing Professional Skills

Beyond keeping up with legal changes, continuous learning also enhances notaries’ professional skills. Notarization involves more than stamping a document; it requires excellent communication, organization, and attention to detail.

Continuing education programs often cover customer service, record-keeping, and fraud prevention. These skills are essential for notaries to excel in their roles and provide clients with a seamless experience. Investing in their professional development can make notaries more effective and efficient in their daily tasks.

Staying Competitive

In any profession, staying competitive is a fundamental goal. For notaries, this means being aware of legal changes and understanding the broader landscape of the notary business. This includes familiarizing with the latest tools and technologies to streamline their work and improve customer satisfaction.

By participating in continuing education for mobile notary services, notaries can gain insights into industry trends and emerging technologies. They can learn about the pros and cons of adopting new tools, helping them make informed decisions that give them a competitive edge in the market.

Building Trust with Clients

Trust is paramount in the notary business. Clients rely on notaries to verify their documents’ authenticity and ensure their transactions’ legality. Continuous learning helps notaries build and maintain that trust.

Clients who see that a notary is committed to ongoing education and professional development are likelier to have confidence in their services. This trust can lead to repeat business and referrals, helping notaries grow their client base and reputation.

Continuous Learning Unlocks Notary Success

Continuing education for mobile notary services is not a luxury but a necessity. Staying current with legal regulations, enhancing professional skills, staying competitive, and building trust with clients are all critical aspects of success in this field.

To succeed as a notary, it’s essential to recognize that the learning journey never truly ends. By embracing continuous learning, notaries can unlock the door to sustained career success, serving their clients with the highest expertise and professionalism.

For more information on the notary business, including the pros and cons of this profession, check out this article on notary business pros and cons.

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June 9, 2023

How Do Interest Rates Impact Mobile Notaries?

Filed under: Public Interest — Tags: , — Tom Wilkins @ 12:00 am

As a mobile notary, understanding how interest rates impact your business is essential for success. Interest rates can immediately and directly affect mortgage loans and closings that you may be asked to service on behalf of your clients. This factor inevitably influences your rate of income. Knowing how interest rates work can help you become more proficient in financial planning and give you an edge in providing the best services for clients. In this post, we will take an in-depth look at what’s involved with how interest rates affect mobile notaries so that you can better navigate both current and future financial activity within the industry.

Interest Rates and How They Impact Mobile Notaries

Interest rates have a significant impact on the mobile notary industry. They determine the cost of borrowing and affect various aspects:

Loan Affordability: Lower interest rates make loans more affordable, increasing demand for notary services in property transactions.

Housing Market: Lower rates stimulate home buying, increasing the need for notary services in real estate transactions.

Economic Activity: Interest rates influence consumer spending and business investment, impacting the demand for notary services.

Disposable Income: Rate changes affect consumers’ spending habits, potentially impacting the demand for notary services.

Investment Decisions: Interest rate fluctuations can influence notaries’ investment choices, potentially affecting business expansion.

The Effects of Low-Interest Rates on Mobile Notaries

The impact of low-interest rates on mobile notaries must be balanced. With a significant portion of their income dependent on financing, any changes in interest rates can drastically alter their finances. Low-interest rates have been perceived in a positive light by some, as they have made it easier for businesses to borrow funds. However, this has led to intense competition within the notary market, resulting in pressure on mobile notaries to reduce their rates to remain competitive. As a result, the net amount mobile notaries receive for notarial services has decreased considerably. In addition, low-interest rates have also caused a reduction in demand for mortgage refinancing and purchase transactions, which are critical to the mobile notary business. Overall, the effects of low-interest rates on mobile notaries have mainly been adverse, with a significant reduction in income and work opportunities.

The Benefits of High-Interest Rates for Mobile Notaries

As a mobile notary, having high-interest rates can bring about many benefits. One of the most significant advantages is the ability to earn higher profits. With high-interest rates, there is an increased demand for loan signings and other notary services, opening up a more incredible opportunity for mobile notaries to increase their income. High-interest rates can also lead to more refinancing and home sales, leading to more business for mobile notaries. Understanding how interest rates affect mobile notaries and how they can leverage this to their advantage to grow their business is essential. By staying informed about market trends and interest rate fluctuations, mobile notaries can stay ahead of the competition and take advantage of opportunities. High-interest rates can significantly impact the success of mobile notaries in the industry.

The Silver Lining: Opportunities Amid High-Interest Rates

As interest rates continue to rise, many individuals and small businesses may become apprehensive about the potential negative impact on their financial standing. However, it’s important to note that high-interest rates offer a silver lining – especially for mobile notaries. As rates increase, demand for refinancing and other financial transactions may also increase. This presents opportunities for mobile notaries to offer services to clients seeking assistance with these transactions. Mobile notaries can also use higher interest rates by investing in high-yield savings accounts or other financial products. While rising interest rates may seem intimidating, they provide opportunities for those willing to adapt and seize the moment.

Take Charge of Your Success by Actively Staying Informed About Interest Rate Changes

In conclusion, interest rates can have a significant impact on the operations of mobile notaries. Not only does it affect the cost of borrowing to finance and expand their business, but it also affects the fees they can charge when underwriting documents. Understanding how interest rates affect mobile notaries may impact your business as a mobile notary is vital so that you can make plans for success and efficiency as interest rates continue to fluctuate. If you have any questions or concerns about how these moments might affect your commission, consult a legal advisor or financial planner familiar with the laws surrounding Notary services in your state. With this information and more in mind, you can make informed decisions that will allow you to move forward as a commissioned Notary confidently.

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May 12, 2023

Scheduling Tips & Tricks for Mobile Notaries

Filed under: Beginners Corner — Tags: , , — Tom Wilkins @ 12:00 am

As a mobile notary, you’re always on the move, witnessing and verifying legal documents. But between the hustle and bustle, you must ensure your schedule is organized and efficient to keep your business booming. That’s why we’ve created this fun and informational guide to help you master your time management skills. Here are eight scheduling tips & tricks for mobile notaries to make scheduling a breeze!

Color Code Your Calendar

Add a little pizzazz to your planner by color-coding your appointments. Assign different colors to appointments, like signings, client meetings, or personal time. This visual cue will help you quickly see what’s coming up and better prioritize your time.

Set the Stage with a Pre-Scheduling Routine

Before diving into scheduling, create a pre-scheduling routine. Start with a cup of coffee or a quick workout to energize your body and mind. Then, review your emails and texts for appointment requests, and list them. Finally, check your calendar and start scheduling appointments, ensuring you have enough time to travel between locations.

Embrace Digital Tools

Ditch your paper planner and go digital! Use scheduling apps like Google Calendar, Calendly, or Doodle to manage your appointments easily, set reminders, and sync your calendar across all your devices. Some apps even allow clients to book directly, saving you time and preventing double bookings.

Schedule Buffer Time

Keep your schedule manageable. Allow buffer time between appointments to accommodate delays like traffic or document revisions. This extra time will help you stay on schedule and make your clients happy.

Prioritize Client Locations

When planning your day, prioritize appointments by location. Group clients that are close together to minimize travel time and reduce fuel costs. Use a mapping app to help you find the most efficient route and maximize your productivity.

Establish Clear Communication Channels

Ensure your clients know the best way to reach you via phone, email, or text. Establish a preferred communication method and stick to it. This will help streamline communication, making it easier for you to manage appointment requests and confirmations.

Don’t Be Afraid to Say “No”

As much as you want to accommodate every client, sometimes it’s impossible. Don’t be afraid to say “no” when you’re overbooked or the appointment is too far out of your way. It’s better to provide quality service to a few clients than to stretch yourself too thin and risk making mistakes.

Take Time for Yourself

Lastly, remember to schedule some personal time for yourself. Whether it’s a lunch break, a workout session, or a day off, you deserve some downtime to recharge and refocus. After all, a happy notary is a successful notary!

Master Your Schedule and Make Your Life a Notary Party!

By following these scheduling tips & tricks for mobile notaries, you’ll be well on your way to becoming more organized. Want to take your notary game to a whole new level? Check out these time management tips for mobile notaries. So, what are you waiting for? Get out there and start planning your notary party today!

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March 17, 2023

How to Be a Successful Mobile Notary

Filed under: Become a Notary,Beginners Corner,Notary Public 101 — Tags: , , — Tom Wilkins @ 4:17 pm

Working as a mobile notary is an attractive option for those who find the idea of clocking 8 or 9 hours daily at the same location with the same people more than a little stifling. Mobile notaries get to work with a diverse group of people and aren’t stuck at one location constantly. Of course, the drive is only one part of the answer to being a successful mobile notary. Read on for some key tips on turning that dream into a practical reality.

Develop a Plan

People don’t open a restaurant or even launch e-commerce stores without making a plan first. Being a mobile notary isn’t a traditional business, but it most certainly is a business. You should treat it that way and make a business plan.

You can find templates for business plans in many places online, such as the Small Business Administration. Minimally, you need some ideas about what services you’ll offer, the service hours you’ll keep, your expected expenses, and a fee schedule.

Give particular thought to where and how you’ll market your services. Will you get yourself listed in an online notary directory (you should) or focus more on local publications to advertise your services? You’ll probably want a mix of online and offline marketing.

Diversify Your Service Offerings

Many new mobile notaries will focus all their attention on the loan signing aspect of notary services. While these assignments can prove profitable, the payment timeline is extended. You can wait up to 45 days before you see any money.

Consider offering other services directly to consumers in your community. For example, you can offer signature witnessing or copy certification, assuming there is enough work and you can charge enough per notarization to justify it. If nothing else, these other services can help you maintain a positive cash flow

Make Strategic Alliances

New notaries often view other notaries or businesses offering notary services as their competition. There is a kernel of truth in that, but it also limits your business unnecessarily. For example, you’ll want to limit the distance you will drive to offer your services. You can set up an informal agreement to recommend that people use a different notary if they’re outside your driving radius and vice versa.

Pick Your Customers

A common mistake that many new business owners make is that they assume every customer is good. That’s not always the case. For example, a customer that wants you to make a long drive two or three times a month for a low-paying service isn’t a good fit.

As a rule, you must balance your costs and the value of your time against what you get from a customer. Spending an hour round trip for a job that only pays $25 isn’t profitable. You want customers who make it worth your while to make the trip by getting higher-paying services or bundling together several lower-paying services.

How to Be a Successful Mobile Notary

The question of how to be a successful mobile notary requires several things from you. Minimally, you need a business plan to focus your efforts. You’ll want to offer a mix of services to capture immediate profit from consumers and higher-paying work like loan signings. Think about making strategic alliances. Finally, pick customers that value your time and make it worthwhile to make the trip.

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January 13, 2023

Top Mobile Notary Challenges in 2023

As mobile notaries, the world constantly changes and presents new challenges for our profession. Every year, new updates in law and regulations affect our practice. So it’s important to stay informed of what other professionals in the industry are experiencing so we can continue to do our jobs effectively and safely. In this blog post, we’ll be looking at some of the top mobile notary challenges that will likely arise during 2023 – from adapting to digital platforms amidst a global pandemic to keeping up with ever-evolving state laws – as well as how best to prepare for these hurdles ahead!

Increased Regulation and Compliance Requirements

Being a notary public is no small task! With an ever-increasing layer of regulations and compliance requirements to abide by, it’s important for notaries not only to stay up-to-date on laws governing notarial acts but to ensure that their notary service is top-notch. Mobile notaries, traveling notaries, and signing agents provide added convenience for clients seeking notarization services beyond the traditional brick-and-mortar approach. As such, notaries must recognize that increased regulation and compliance requirements come with the territory and be prepared to meet them in areas ranging from personal identification verification to data security protocols. After all, notaries are really providing an invaluable service – one that requires vigilance on their part in order to execute properly.

More States Legalizing Cannabis and Its Impact on Notarizations

With more states legalizing cannabis, notary services have never been in higher demand! From notarizing banking transactions to notarizing documents related to cannabis-related agreements, notaries are rapidly adapting their services to meet these growing demands. Mobile notary and traveling notary services like signing agents make this work possible with flexible scheduling, location options, and quick turnarounds. Today’s notaries are required to understand the effects of cannabis laws within the state they work in—and as more states legalize cannabis, notaries are rising to the challenge with an understanding of not only their state laws but regional ones too. The need for savvy notaries has never been greater!

Increased Use of AI and Other Technologies in the Notary Industry

The notary industry is no exception to the technological advancements in automation, with many notary services embracing advantages like AI and mobile notarization. Mobile notaries provide notarizing convenience to customers by visiting them directly at their homes or workplace instead of the other way around, and they can also perform notarial services remotely. Signing Agents present businesses with many opportunities, such as booking more notary assignments and being away from their office while doing it – improving efficiency while on the move! Automation allows notaries to increase access to and quality of notary services; plus, going digital has enabled notaries to work faster and become more organized. The combination of modern technology and a notary’s expertise creates an efficient yet secure process for all kinds of transactions, making it one of the top mobile notary challenges in 2023.

Continued Growth in Remote Working and Its Effects on Notaries

The notary profession has experienced a seismic shift since the introduction of remote working technology. While notaries have yet to experience the same growth across all sectors, those in the notary public, mobile notary, traveling notary, and signing agent spaces have seen particularly dramatic gains due to their ability to provide notarization services from any physical location. This means that as more companies turn towards remote approaches for workplace operations, notary service providers have seen benefits through increased business. This shift bodes well for notaries looking to expand their services online – something that would have seemed next to impossible for the average signing agent or mobile notary not long ago.

More States Legalizing Digital Notarization

Digital notarization is rapidly becoming the notary norm, quickly changing the traditional notarization landscape. As more states legalize digital notarization, mobile notaries and notary services must evolve to meet the increasingly strict criteria. This means notaries who act as traveling notaries or signing agents will become even more popular, as they are both cost-effective and able to meet the ever-hastening pace of new technology and ideas in the notarization process. Not only that but their expertise and presence in person can help make digital notarization a cinch for both notary and customer alike!

Changes in the Real Estate Market and How They Impact Notaries

When it comes to notary services, the real estate market is at the heart of it. From mobile notaries and signing agents that travel from place to place to notary publics who perform notarizations at their own location, notaries play a large part in helping facilitate transactions for buying and selling a home. So when the real estate market sees changes—be it an increase or decrease in residential sales or rising interest rates—notaries must be ready to adjust their services accordingly. Whether this means taking on more projects if there is an influx of business or partnering with other notaries for added flexibility and capacity, notaries must stay agile as changes come about to maintain their notary business and keep up with the ever-changing landscape of the real estate market.

Expectations as We Move Into 2023

In the past year, we’ve seen more changes in the notary industry than ever. From increased regulation to the legalization of cannabis, there’s been a lot to keep up with. Mobile notary challenges will persist as we move into 2023, and it doesn’t look like things are slowing down any time soon. You can expect continued growth in remote working and digital notarization, as well as changes in the real estate market that will impact notaries across the country. But no matter what challenges arise, one thing remains constant: the quality of the notaries like you who are dedicated to providing excellent service. Thank you for everything you do to ensure that our community thrives!

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January 6, 2023

How to Create a Mobile Notary Business Plan

Creating a mobile notary business plan is important in starting your own business. A mobile notary business offers convenience to customers who need notarization services but need help to reach a physical location. As a mobile notary, you can travel to your clients and provide notary services at their location, making it more convenient for them.

The first step in creating your business plan is researching the market. This will help you understand your area’s demand for mobile notary services and the competition you will face. You will also want to research the regulations and requirements for becoming a notary in your state. Once you have a good understanding of the market and regulations, you can start to develop your business plan. A mobile notary business plan should include the following key elements:

Executive Summary: This should provide an overview of your business and its goals. It should also include a summary of your research and your target market.
Business Description: This should include more detailed information about your business, such as your mission statement, services offered, and competitive advantage.
Market Analysis: This should include information about your target market, including demographics, needs, and buying habits. It should also include information about your competition and how you plan to differentiate yourself.
Operations Plan: This should include information about how your business will operate, acquire customers, and provide notary services.
Financial Plan: This should include financial projections, such as projected income and expenses, and a break-even analysis.
Conclusion: Summarize your business plan

Creating a successful business plan is key to setting your mobile notary business up for success. Knowing the demand for mobile notary services in your area and the competition you will face are important considerations. Moreover, understanding the regulations and requirements of becoming a notary in your state is paramount. Additionally, understanding your target market, operations details, and plans for financial gains can help build a complete business strategy. Ultimately, this approach will provide more insight into setting goals, achieving objectives, and becoming a successful business owner.

Once you have completed your business plan, reviewing it and making any necessary revisions is important. You may also consider seeking feedback from a mentor, business advisor, or other notaries who are experts.

To be successful in the mobile notary business, it’s important to have a solid mobile notary business plan in place. This plan will serve as a roadmap for your business, outlining your goals, strategies, and financial projections. By taking the time to research your market, create a comprehensive business plan, and seek feedback from experts, you will be well on your way to starting a successful mobile notary business.

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June 10, 2021

Comments on good journal entry procedure

Filed under: Journals — admin @ 3:09 am

I have written thorough information on journal keeping in other articles. But, here is a summary of some of the more critical points.

1. KEEP A JOURNAL – or else. Even if your state does not require you to keep a journal, it is your only evidence if investigated by the FBI or if summoned to appear before a Judge. This happens more than you think to Notaries so be prepared and keep records in a journal.

2. Don’t forget to enter the type of NOTARY ACT that you are performing in the journal. This is generally a Jurat, Acknowledgment, Oath or Affirmation. Copy Certification might be considered a Jurat in some states, but you could put both names to be thorough.

3. Obviously enter the ID INFORMATION in your journal unless you live in a state that forbids that. Otherwise you have no evidence that you looked at their ID. Make sure the photo looks like them and that the signature on the ID matches the one in the journal and the document. If you want to get cute, ask them their sign and see if it matches their birthday.

4. THUMBPRINTS are almost foolproof. ID’s can be faked, but all thumbprints in the planet are unique to a particular individual. To deter fraud and help the FBI catch very very bad people (and yes we have stories from 123notary members about exactly this.) then keep a thumbprint for all notarized documents in your journal. NNA sells a nice journal with room for thumbprints and you need an inkless thumbprint pad too which is not expensive.

5. DOCUMENT DATES
Most people don’t know what a document date is or what it means. It is an arbitrary date inscribed within the document which normally corresponds to the date the document was drafted or signed. It is yet another indication of which document you are dealing with, just in case you notarize two documents from the same signer with the same document name.

6. SIGNATURES
Signers must sign all journal entries that pertain to documents that they are being notarized on.

7. PRICES. The price you are charging the signers should be indicated in the journal. If you are charging a travel fee, or a flat fee for a mobile signing, indicate this somehow in your records, perhaps on the top entry of a particular signing.

8. ADDITIONAL NOTES? The NNA journal has a section for additional notes. If you have credible witnesses, they sign there. If you notice anything unusual about the signing, write it down as that could jog your memory when you are in court several years after the fact. It is hard to remember all of your signings and roughly 15% of our full-time Notaries who have been around for several years have been to court due to Notary related reasons.

9. STORAGE. Keep your used journals in a safe and dry place. You might get a query for an old journal entry and you need to be able to find them. Your Notary division might want your journals if you quit your commission or you expire, so keep them where you can find them where nobody will steal them.

That’s all for today!

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November 11, 2020

Oaths — how Notaries completely screw them up!

Oaths are an official Notarial act in all states if my memory serves correctly. Oaths unfortunately are very misunderstood and generally poorly administered if administered at all. So, let me straighten out some common problems that I have seen with Oaths.

By definition, all Jurat Notary Acts must include an Oath. A Jurat is a Notary Act with a written statement and an Oath. The documentation of the Oath has verbiage such as, “Subscribed and sworn to before me ______ on this ______ (date) by _____ (name of affiant).” There are various problems that occur here. Oaths also can occur as independent and purely oral acts.

1. Omission of Oath
Most Notaries omit the required Oath for a Jurat. In California, your commission can be suspended, revoked, or terminated by omitting an Oath and you can also be fined $750 per incident. Other states do not teach Oaths, not fine you if you forget to administer it which is exactly why most out of state Notaries simply don’t do the Oath. Nobody is putting a gun to their head, so why should they unless they have integrity which they usually don’t have according to my recent findings. Sad!

2. The word Swear omitted.
When administering an Oath, you must use the word swear, otherwise in my book it is not an Oath. A good Oath requires the signer to raise their right hand, the word solemnly should ideally be used before the word swear (for good form), the phrase, “under the penalty of perjury” could also be used, and the clause, “So help you God” should also be used. Although there is no prescribed Oath verbiage, if you don’t swear, it isn’t an Oath. Some Notaries prefer to affirm, state, acknowledge or attest rather than using the word swear since swearing offends the ultra-religious and ultra-athiest members of the public. So, for those who don’t want to swear, don’t use an Oath — use an affirmation instead which does not mention God or swearing.

3. What if people don’t want to use the word swear?
Some people find it offensive to use the word swear or God in an Oath. For them, you use the sister act which is an Affirmation which is allowed in most if not all states. But, don’t confuse the two acts even though they are interchangeable — they are not the same thing and you can not cross use the verbiage for one act on another. If you Oath you swear and if you do an Affirmation, you Affirm. You do not affirm with an Oath.

4. Using exchangeable verbiage.
Some states allow or prescribe verbiage such as, “Do you solemnly swear or affirm that the contents of this document are true and correct?” That is acceptable to me as an Oath because you used the word Swear even though you had alternate verbiage. But, you did not omit swear to only use the alternate verbiage which would disqualify the act as an Oath.

5. Court Oath vs. Jurat Oath.
There are many types of Oaths out there. You can swear people into court, solemnize a marriage, swear someone into office, or have them swear to a document. Notaries should PRACTICE the various types of Oaths so that they can master each type and not confuse them otherwise the Notary will look like an idiot (this happens a lot with our members.) It is common for me to ask for an Oath for a document and the Notary says, “Do you solemnly swear to tell the truth, the whole truth and nothing but the truth?” I say, “I do, but can we now say an Oath for my document?” That is not a document Oath, that is a swearing you into court Oath.

6. Swearing that I voluntarily signed a document
Many Notaries will have me swear that I voluntarily signed a document. This is required in many instances in Massachusetts, however, swearing that I signed a document is not necessary in most states since the Notary watched the person sign, and making sure you signed voluntarily has never been an issue for anybody I know. If you were under duress, would you suddently tell the Notary simply because he asked or would you get nervous? Hmmm. There is no harm in asking if I signed a document on my own free will, so long as you don’t forget to give Oath verbiage about the document in Jurat Oath where the point of the Oath is to swear to facts contained in the document.

7. Swearing that I am the person in my ID
This is ridiculous. If I were an identity fraud, would I say that the ID was not mine? Many Notaries administer an Oath on my ID when I ask them to do an Oath on my document. The ID is not the document — get it straight.

8. Omitting the word document
If you are doing a Jurat Oath but give an Oath that “the information” is true and correct doesn’t cut it. If you are giving an Oath about a particular document, you must reference the document somehow. “Do you solemnly swear that the contents of the document before you are true and correct to the best of your knowledge, so help you God?” That would be an acceptable Oath because you are swearing, and swearing to a particular document rather than to thin air.

9. Relying on cheat sheets.
Many Notaries can only do an Oath when they have their recommended wording from their state with them. If for any reason they should lose the cheat sheet, they would not be able to lawfully conduct their duties as Notary Public. If you practice giving Oaths, you can give them by heard. Additionally, many Notaries give inapplicable Oaths as I mentioned above, so relying on reading text that you don’t understand the meaning of is useless. You need to understand the meaning and significance of the Oath you are giving otherwise it serves no intrinsic purpose.

10. Subscribed and Sworn.
Many Notaries say, “Subsribed and sworn to this ____ day of ___” when I ask them to deliver an Oath. That is the written documentation that an Oath took place. It is NOT the Oath itself. Oath wording typically starts with, “Do you solemnly swear…” and you should have the person raise their right hand.

11. A Jurat is not an Oath
Oath is to Jurat what Motor is to Automobile. A Jurat has an Oath, but a Jurat is not an Oath. An Oath can be an independent Notarial act which in most states has no written certificate. Florida has a useless certificate which says there was an Oath, but doesn’t give any indication of what was sworn to or the type of Oath. You might as well not have paperwork if it is that lame.

12. Notary Acts
When I ask people to name some Notary acts, most people claim not to know what I am talking about. They commonly mention Acknowledgments and Jurats. Few mention Oaths. Oaths and Affirmations are Official Notarial Acts in all or nearly all states. Notaries are required by law to administer Oaths if the public requests them from you. If you have never been asked to do one, that doesn’t preclude the possibility that you will be asked to do one. You are also not exempt from the responsibility of knowing how to administer one. If you are a commissioned Notary Public, you are responsible to administer Oaths, and correct sounding relevant Oaths, otherwise your state has the right to decommission you — and in my opinion they should.

MY RECOMMENDATIONS

Here is some standard Oath wording I like for documents.
“Do you solemnly swear under the penalty of perjury that the information in this document is true and correct to the best of your knowledge and that you agree to and will abide by the terms — if any in the document, so help you God?”
Please notice that I mentioned terms. What good is swearing to an agreement if you only agree that the agreement is true? The point of an agreement is that you agree to the agreement and will follow the terms of the agreement. Having a “useful” Oath rather than a correct but “useless” Oath makes a lot of sense. If your Oath serves no purpose, then why give one?

BAD OATHS
Here are some examples of wrong Oaths for Jurat documents for your reading pleasure.

“Do you acknowledge that this is correct?”
“Do you affirm that the document is correct?”
“Do you solemnly swear to tell the truth, the whole truth, and nothing but the truth so help you God?”
“Subscribed and Sworn to before me.”
“Do you solemnly swear that this is your true ID?”

OKAY OATHS
“Do you swear that the foregoing is correct?”
“Do you solemnly swear that the document in front of you is true and correct to the best of your knowledge?”

COMMENTARY
Most states do not teach the art of Oath giving, but they should. Notaries are required by law to administer Oaths, yet the majority of Notaries either give no Oath, inapplicable Oaths, or poorly worded Oaths while others rely on cheat sheets which is bad. Using cheat sheets is okay, but relying exclusively on some standardized wording for Jurat Oaths is not acceptable. There are situations where there is REQUIRED prescribed wording where you have to use that particular wording. In such a circumstance it is okay to rely on particular wording. However, for Jurat Oaths, you should be able to make up an Oath, otherwise I will fail you.

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You might also like:

Notary Public 101 guide to Oaths, Affirmations, Jurats & Acknowledgments
http://blog.123notary.com/?p=19500

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

Affirmations – pleasing the politically correct while offending the traditional people.
http://blog.123notary.com/?p=19606

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