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April 9, 2018

When do I need to use a California All-Purpose Acknowledgment?

Filed under: California_Notary,Other Guest Bloggers — Tags: — admin @ 10:42 am

When do I need to use a California All-Purpose Acknowledgment?
A Notary Public in California only needs to use the notarial language found in an All Purpose Acknowledgment if the document is being filed in California.

California Civil Code Sec 1189 ( c ) allows a Notary to use the preprinted acknowledgment language from another state as long as the Notary is not required to determine or certify in which capacity the signer is signing the document. Certifications are prohibited for Notaries to perform by California law. Notaries are not required to even include the disclaimer at the top of the notarization which essentially states that the Notary Public completing the notarization is only verifying the identity of the signer and not the “truthfulness, accuracy or validity of the document”.

A document that many Notaries see and something that I see brought to my office often at A1 Live Scan Fingerprinting and Notary Services in downtown Los Angeles is Form TSP-70 which is the Thrift and Savings plan Financial Hardship In-Service Withdrawal Request form. This form has preprinted Notarial Language for Acknowledgment and has specific instructions for the Notary that reads in relevant part, “Notary:……No other acknowledgement is acceptable (see instructions)”.

When you see forms such as TSP-70 that is being sent or filed in another state or jurisdiction, use the preprinted form as long as you are not being asked to certify the capacity in which the signer is signing the document.

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Who does what in an Acknowledgment?
http://blog.123notary.com/?p=20108

Notary Public 101’s guide to Acknowledgments & other Notary Acts
http://blog.123notary.com/?p=19500

The new acknowledgment form for transgender people
http://blog.123notary.com/?p=19658

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April 3, 2018

Using the correct Notarial Certificate for an Apostille:

Filed under: Other Guest Bloggers — Tags: , , — admin @ 10:17 am

At our office in Downtown Los Angeles — A1 Live Scan & Notary Services – we get to correctly renotarize many notarized documents that the SOS rejects doing an Apostille because the wrong notarial certificate was used by a Notary.

Let’s first start with what is an Apostille?
An Apostille authenticates the Notary Public as a valid and licensed Notary to a foreign government or agency. The foreign entity relies on the SOS to make sure that the document being sent to them was in fact notarized by a currently licensed notary in good standing.

Next the question is what type of Notarial Certificate do you attach to a document being taken to the SOS for an Apostille?

First and foremost, ask the singer and explain the differences between the 3 commonly used certificates – All Purpose Acknowledgment, Jurat and Copy Certification by Document Custodian.

If the signer is not sure, go over the preprinted language on the document with the signer if there is notarial wording. In most cases even if there is notarial wording, it would not comply with California Notary Laws. So then look at the existing language and if it has “affirmations”, “oaths” or “swearing as to the truth of the contents”, use a Jurat.

If the language does not have an Oath but merely says the person appeared in front of you and acknowledged signing the document, then use a California All-Purpose Acknowledgment.

The third type of Notarization for an Apostille is when a signer brings a document such as College transcripts, Degree Certificates, Passport copy, letters from third parties. These documents are already signed by the issuer and there is no notarial wording. In this case, you use a certificate called, “Copy Certification by Document Custodian” to notarize the document by the person who brings it to you even if it is not that person’s document. Hence the name “…by Document Custodian”.

Hope this clarifies the confusion surrounding certificates used for an Apostille.

You might also like:

Apostille – general information
http://blog.123notary.com/?p=21419

Index of posts about Notary acts
http://blog.123notary.com/?p=20280

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October 7, 2017

Ken’s list of things Notaries goof (or might goof on.)

Filed under: Ken Edelstein,Popular on Facebook (some) — admin @ 12:35 am

Most Notaries don’t make this type of mistake. Perhaps it is mostly very new Notaries or those who are just clueless. But, read this list and learn about what other Notaries do wrong and hope that you do not make the same mistake.

1. Wrong venue
2. Cut off commission end year on cheapskate notary stamp and missed filling it in
3. Unreadable notary stamp / covers preprinted text
4. Missed a sig line (in the middle of the page)
5. Allowed borrower copy (that they already had) to mix pages with live docs
6. Did not notice that some more pages printed (they were complex) and thought was working with complete set. But some still in printer output tray.
7. Email had 17 PDFs and did not keep track / printed one twice and another not at all
8. Accepted sloppy scan of airbill which would not scan at fedex/ups so arrived a day or 2 late.
9. Did not verify address with borrower, delay causes missed drop off time
10. Wrote name in notary section from anywhere other than looking at the ID / or did not change to match ID
11. Accepted photocopy of ID as ID
12. Shipped unprocessed borrower copy
13. Fed embossed end into fax first causing jam/ripped pages
14. Permitted distractions during signing – loud TV, noisey kids, dogs, etc
15. Worked in poorly lit area
16. Did not print & bring a borrower copy (just made a CD) thus cannot swap error pages
17. Opened “big mouth” and spoke about politics, religion, “smell in the air”, keep it to job at hand.
18. 2 jobs back to back, wrong docs with airbill (both jobs screwed)
19. Make commitment to complete that is impossible (not allow for traffic, distance) – job should go to closer notary.
20. Did not follow local notary law TO THE LETTER – allowing a fool to tell notary that it must meet notary standards where the property is located.
21. Idiot notary printed double sided, last page of Note shares first page of Mortgage.
22. Ran out of paper (oops no more legal) or toner – Really???
23. One name on work order, hubbie and wifie on docs – did not verify both would be available with proper ID
24. Did a “stamp and sign ONLY” without venue or notary wording or date. (when there is no notary section but it needs to be notarized)

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Are you practicing law by drawing a signature line?
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Notary – what do you do?
http://blog.123notary.com/?p=21037

Bouncey Bouncey Paypal
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May 21, 2017

How to Explain Accrued Interest

Filed under: Other Guest Bloggers,Popular on Facebook (A little),Popular on Linked In — Tags: — admin @ 10:51 am

Let’s talk about interest and how to explain it to a borrower during a loan signing.

What you’re about to watch is exactly how I would explain to a borrower if they thought the closing statement is wrong because they made their October payment.

(Insert YouTube Video)
Link: https://www.youtube.com/watch?v=6PknYiNUNJ4
Embed Code:

Allow me to dive into it deeper now.

First understand that this is important is because interest is a line item on the closing statement and without fail, questions comes up during a loan signing about interest. In my Loan Signing System course, the closing statement is the first document you should review with the borrower so you should be sure to understand this concept.

Once again, To make interest easier to understand let’s talk about the difference of renting and paying a mortgage. When you rent, you pay on the 1st and the covers you for the next 30 days. You’re paying those 30 days in advance. Essentially you pay rent and you are good for the next 30 days.

A mortgage is different. You pay in what is called, arrears. Meaning when you pay on the first of the month, you are actually paying for the previous 30 days that you lived in the home. Essentially you live for the 30 Days then pay for the 30 days behind you. Hence why it is called arrears.

So, let’s say you paid your september mortgage payment, you are actually paying for the month of August. And That is where it can be a little confusing for a borrower because most borrowers don’t know that.

Remember when your explaining it, when you rent, you pay for the 30 days in advance. When you have a mortgage you pay for 30 days in arrears.

So why is this is important to understand as notary loan signing agent? Because when you go over the closing statement with the borrower, they almost always will have a question on the interest they owe their current lender they are paying off.

Frequently, If the payoff says that the borrower owes interest for October 1st to October 16th, a lot of borrowers will gawk and tell you they made their October payment and the closing statement is wrong.

Remember, the first part of this video since their October 1st payment is paid in arrears, they’ve paid interest for September, NOT for October. So they still need to pay owe to the current lender for October that hasn’t yet been paid.

And since the closing statement does not say they owe interest from September 1st to October 16th, you know that escrow has accounted for their October payment being made because there is no september’s interest showing on the closing statement.

On that same vein, if you see that the closing statement says interest they owe on their payoff from September 1st to October 16th, you should be able to come to the conclusion that have not made their October payment.

But now, let’s talk about interest on the new loan.

Regardless if it is a purchase or refinance, there will be interest that is being collected on the new loan on the closing statement.

Now that you understand that interest is paid in arrears, this should be easier to understand. Using the same dates above, if the new loan is going to close on October 16th, the borrower will have to pay interest from October 17th to October 31st. At closing is the only time the borrower will pay interest in advance. The reason this occurs is because the lender does not want to collect a partial payment in arrears on November 1st.

That’s why the first payment is a month out and this example it would be December because that is the first opportunity to get one full month in arrears. Remember that the December 1st payment is for all of November.

If they collect a November 1st payment, it would only be for October 17th to October 31st. They don’t want that. Therefore, they have the borrower pay the October interest upfront and set their first payment date for December 1st.

So, if you see that the lender is collecting interest for October 17th to the 31st on the closing statement, you should be able to conclude that their first payment is December 1st.

sometimes when you go over a closing statement you will notice overlapping interest on the closing statement. Let’s say you see interest being collected on the old loan for October 1st to October 17th and interest on the new loan being collected from October 15th to October 31st. The borrower may ask why they are paying double interest on the overlapping days.

They are not. The escrow company has to estimate the closing date of escrow. So in order to not be short interest (for the payoff or the new loan), they show overlapping interest.
When the loan closes, the dates will match up perfectly and the borrower will get returned any unneeded interest directly from escrow.

Lastly, sometimes the borrower knows that the loan is suppose to close on the 15th. But yet the closing statement shows interest to the 18th. This is done on purpose. While the loan should close on the 15th what happens if it closes on the 17th for some unforeseen reason. If they didn’t over estimate they would be short interest. Just like the overlapping interest, if escrow over estimated any interest the borrower will get it back at closing from the escrow company.

Accrued interest is a topic that comes up frequently in your loan signings. Knowing how quickly answer simple questions will separate you from other signings agents who can not. Not to mention it will cut your signing time in half.

Remember our job is to be impartial not uneducated.

I’m Mark, I teach the Loan Signing System, and I’m looking forward to helping you become a top loan signing agent.

If you’re interested in learning more about these concepts, go to www.loansigningsystem.com!

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May 14, 2017

Million dollar E and O?

Filed under: Carmen Towles,Popular on Facebook (A little) — Tags: , — admin @ 10:10 am

So it seems that their is a signing service sending out emails to all of the notary signing agents in their data base, informing them that for $100 each they can buy into their companies million dollar E and O policy. I have been asked to weigh in on this. My initial reaction was how odd it was and many questions come to mind. For one, I am not sure that it is even possible for a group of notaries to be under one policy. (I put a call in to an E and O provider at the time of writing this blog and I am waiting for my answer. If any of you veteran notaries know, please post it in the comments section below.) Also, all notaries are independent contractors. They have their own business, and we all work and reside in different states. Another question came to mind; would your name be listed among all the others who buy in under the policy? And would all notaries receive an actual policy? Unfortunately, the email that folks received did not answer any of these questions. What I can say, (and i mean no disrespect) is that on the surface it looks like this signing service is trying to get a little help from the notaries paying their E and O policy. I imagine a million dollar policy is very expensive. If the signing service wants to weigh in that would be great. I believe they are a member of 123.

I never understood the demand from these signing services for such high amounts in the first place. E and O for notaries covers errors and omissions (like forgetting to sign, wrong date, incorrect venue, etc) ONLY- nothing more. In this case of a million dollars, I cant imagine that that these types of errors would even come close to this high dollar amount. And typically, errors are caught before they even have a chance to turn into a problem.

I’d love to hear what you have to say about this…

.

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Do I need 1 million E&O to get more business?
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$300 in 13 minutes. How Carmen cleans up in the Notary business
http://blog.123notary.com/?p=19284

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

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May 10, 2017

Notary for a USA President Candidate

Filed under: Ken Edelstein,Popular on Facebook (some),Popular Overall — admin @ 8:40 am

The call comes in for an urgent notarization. We need to file some important paperwork within the next 2 hours; can you positively guarantee arrival within that timeframe? Knowing the 5 star hotel was only a mile away I replied “sure”. Oddly, for an “individual” request; the caller stressed that the notarization had to be “absolutely perfect” and withstand close scrutiny. I assure the caller that my work would stand up to any examination; and that I required “Govt. issued photo ID” and acceptance of the standard oath given by Notaries. “A by the book Notary is exactly what we require”; please be sure to be on time.

The caller had identified as an aide to the affiant, but assured me that the affiant had a driver license that was current. May I speak to the person signing, I asked. Sorry, no; however we will prepay on your web site your fee; and I can assure you there will be no problems. Moments later the familiar “ding” comes from my phone – the sound of a PayPal payment. Figuring “movie star”, I depart for that rather expensive hotel. Traffic was kind and I arrived within an hour.

Manhattan has many celebrities, and a tiny fraction of them have called upon my services. But I was unprepared for the scene upon my arrival. There were barricades around the hotel entrance and a large police presence. Not the usual police, these had the big guns and riot gear. Groan, how would I ever get into the hotel? I never suspected they were there to protect my client! I did not even know the client’s name – yet. The one thing I did have was the room number.

Stopped at the security perimeter, I was asked my business at the hotel. I explained that I was a Notary Public with an appointment to go to room xxx to notarize a document. Someone in plain clothes is called over by the uniformed officer. That person talks into a device, and a moment later I am cleared past the outer barrier. The polite person follows me into the lobby. “I will need to inspect your bag” – fine, it’s just notary supplies. A very detailed search is made. “To go to room xxx I will need to search your person”, “it will be a very complete search of your body, do I have your permission to search you?” – “do you have any weapons?” – I have no weapons, go ahead. I am taken to a small room off the lobby. The agent proceeds to very thoroughly search me, hat to shoes; making sure there is nothing anywhere on my person that is a weapon.

After the search I am escorted to the door of room xxx. Behind the door is a bank of computers and a full staff busy at work. I am taken to a desk and told to wait. A few minutes later the aide who initially called me hands me my fee (again) – this time in cash. I reply that my fee has already been paid. This is extra for the delays in granting your clearance. We also ask that you do not disclose to anyone who you will be notarizing or the nature of the document. I agree, and am asked to sign a non-disclosure document; I read it and sign it.

A few minutes later in walks a person wanting to become President of the United States. That person gives me a warm greeting and actually asks if I would like some coffee! I decline citing that it’s bad procedure to have liquids on the same table as documents. A warm smile and a chuckle – followed by “of course, that’s a good policy”. The notarization proceeds in a routine manner with ID, signing, oath and notarization (with embossing). Afterward, the aide hands me a paper cup of coffee and walks me out past the security screen. That’s all I can say.

.

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State of the Notary Industry Union Address
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May 6, 2017

Snap Docs, who and what is it?

Filed under: Carmen Towles,Popular on Facebook (very),Popular on Linked In,Popular Overall — Tags: — admin @ 10:08 am

Frequently, I get questions about Snap Doc’s. Many ask, who are they? What do they do? How much do they pay? How do I sign up? How did I get into their data base, I never signed up? and so on.

For the most part quite a few notaries think they are a signing service and that they hire notaries. This is not the case. SnapDocs is a platform. It is a website designed for ‘signing services’ to use to streamline the notary hiring process. Snap Docs relies on signing services to signup and pay to use their database of notaries. Word is that fees for the signing companies range between 8 and 15 dollars. If you are a notary you can signup for free and upload your credentials which are verified by Snap Docs for authenticity. Once this process is complete your profile is viewable by hiring parties when they have a signing in your area. Sounds good, but in my opinion, there is several problems with this platform. Many of the signing services that use the site have some of the worst reputations in the industry regarding fees being offered for signings and receipt of payment takes a very long time (if they even pay you and Snap Doc’s will not help you collect if they don’t). It also seems the signing services are passing the cost off to the notaries because the fees offered are at an all time low. There is another concern. When a job is offered, it is offered to several folks via text usually all at one time and the text has very little detail regarding the signing. So you may not know what you are getting yourself into. Also, most notaries don’t like job request via text because if they are driving it is inconvenient and dangerous. I personally consider these ‘cattle calls’. Most of these companies are looking for the cheapest notaries and because they text many notaries at one time, whomever accepts the low fee first gets the job. It may be convenient for them but it is really inconvenient for us notaries in so many ways. Gone are the days when folks want experience. Its about how low can you go.

Another concern voiced by many notaries is that they never signed up but don’t know how they got on the sites database. Some have suggested that Snap Doc’s has gone onto sites like 123notary.com, notary rotary, and others and added notaries without their knowledge or permission. Another complaint (and a serious one in my opinion) is that they have a secret review system for the signing companies to be able to rate notaries without the notaries ability to view the comments or rating about them. In other words it is ‘for signing services eyes only’. I’ve been told that its uses a ‘thumbs up or thumbs down’ rating system for notaries that translates into a percentage. The worst part is, you don’t have any way to defend yourself from any negative feedback; truthful or not. I guess we weren’t even supposed to know that the review system even existed. I guess they didn’t realize that the signing services, many being notaries themselves would let the ‘cat out of the bag’ and let us know that the services had this ability to rate us. Many notaries have expressed anger and disbelief that this was not disclosed. And several have been asked to be removed. I personally think that this may be illegal. Some of you that are attorneys or have legal aid might want to weigh in on this.

I had personally signed myself up awhile back to see if it generated any decent work but the annoying texts with the low ball fees drove me crazy. For example; 60.00 for edocs docs and faxbacks, seemed to be the norm. These fees are insulting to say the least. So I asked Sap Doc’s to delete my account immediately and they did. I made the decision to stop working with anybody that doesn’t value my level of experience. I primarily only accept jobs from reputable companies, especially title and escrow. And just so you know, they STILL do call and use notary signing agents. I am living proof!

I’d love to here your experience with Snap Doc’s. Leave them in the comments section!

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March 7, 2017

When you really don’t wanna take the job

Filed under: Ken Edelstein,Popular on Facebook (A little),Popular on Linked In — Tags: — admin @ 9:25 pm

When You Really Don’t Wanna – Jackpot !!
Most of the time, like you, I look forward to the phone ringing with an assignment. But, not all the time. Today I had some reserved theatre tickets and really wanted to see the show. I had intended to shut off the cell phone, but reconsidered as I was hoping to hear from someone regarding personal matters. The tickets were for early afternoon, and the show was relatively close by.

Ring, Ring. We have an emergency, the assigned notary did not show, and our client is furious, can you be at their location within the hour? The CD is with the client. Please help us. OK, I say, I understand. But, I have theatre tickets for today and did not plan to work today. If I accept your assignment I will miss the show. This is a very high priority client – forget about the show – we need you!
They offer an amount at the high end of the normal edoc range. I tell them their offer is fair but I would have to add an additional xxx$ for the lost use of my tickets. If you have not been to a NYC Broadway show – tickets are much more than an edoc fee. Any edoc fee. Somewhat stunned, I get the “we will have to get back to you”.

About ten minutes later another call for a structured settlement. Again the “urgent” routine – and, much to my surprise – another story of a notary “no show”. The conversation goes exactly the same way as the edoc discussion. Fortunately, they want a time slot toward the end of the show. The same fee discussion takes place – again with a gasp about the high cost of NYC Broadway shows. But, this one was different – they wanted to close the deal immediately. I told them the fee was in advance and once paid I would only then be committed to their assignment. Within five minutes the fee was in my account, bye bye Broadway. They email me the slim package immediately and I confirm that the documents were printed. Previously, as with the edoc job, the ID requirements were discussed and guaranteed.

Ring, Ring. It’s the edoc job calling back to accept the way greater than normal fee. Hmmm, both jobs are now paying for my “not to be used tickets”. And again, as per my requirement; the fee is in my PayPal account. It’s good that the edoc and the structured settlement times did not conflict; and there would be adequate time to go from the edoc to the other.

This is getting really weird. Will there be a third “emergency – notary no show” in the same day – with the caller having Very Deep Pockets? Nope, that did not happen. But, two did, much to my astonishment. The tickets I had in hand went to some very nice neighbors, who were delighted to change their plans for the same day. They would see the show for free, and so would I; as I was being paid twice for the same tickets!

So, what’s the “take away” from my rantings? Well, my message is that if you “can” do the job – but, for some reason – “don’t wanna” – let the caller know your situation. Tell them honestly and frankly that logistically you are able – but have a specific reason to not want the assignment. Of course some reasons cannot be bought for any amount of money. Family commitments, medical plans, and similar obligations are not for sale. But, the tickets were going to be available again; it was not a “now or never”.

Sure – I got lucky. Rare is the windfall that creates a high dollar “double dip” fee expansion. But the concept of being “flexible” is my theme message. I know, our clients use that word to, in lieu of more pay, compliment us for waiting 5 hours for the docs to be ready. Stranger still is their inability to, in New York City of all places; not to find a base fee notary. Perhaps because it was a “go away” Friday of a holiday weekend?

Whatever their reasons, nothing would have happened if I brushed them off with a “Sorry, I’m booked”. That was not the case. I had something that I “wanted” to do; but did not “have to do”. Letting the caller know, frankly and honestly your situation (within reasonable limits) – allows them the option to bail out or to “work with you”. It was obvious to the callers that a routine fee would not work. Though very extreme, both were willing to cause me to change my plans, without incurring a severe financial hardship. A week later I will see the show, have earned two fees; and have enough left over to purchase a pair of tickets for a different show!

.

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When to refuse a Notarization – a comprehensive guide
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Are you a Yes-tary or a No-tary?
http://blog.123notary.com/?p=16626

$300 in 13 minutes. How Carmen cleans up in the Notary business
http://blog.123notary.com/?p=19284

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February 10, 2017

A Notary goes Public on Shark Tank with Shazamdocs!

Filed under: Andy Cowan,Best Humorous Posts,Popular on Linked In,Popular Overall,Sit-Coms — Tags: — admin @ 9:06 pm

First up into the tank: A way to keep records on how long companies take to send electronic documents.

NOTARY: Hi, Sharks. I’m Jeremy. And I’m asking for $200,000 for twenty percent of my company, Shazamdocs. Sharks, there’s one thing that matters in life more than looking as dapper as Mr. Wonderful here.

MR. WONDERFUL: He knows of what he speaks.

LAURIE: He’s kissing up and I’m throwing up.

MR. WONDERFUL: Hush. Grab a breath mint.

NOTARY: What matters in life, whether you’re sharks or whether you’re a notary, is knowing when you’ll be paid!

MR. WONDERFUL: You’re speaking my language, son. The language of luv… of money.

NOTARY: The database on Shazamdocs monitors how long companies take to send electronic documents, and… by virtue of our exclusive algorithms… computes the average amount of time it takes to get paid. No longer will you have to waste your precious time and resources hitching yourself to companies that drag their feet when it comes to upholding their end of the transactions.

DAYMOND: Feet dragging is a drag.

NOTARY: We’re like Yelp for notaries. With your help, sharks, we’ll get this in the homes of notaries throughout the country, and after that, the world! Who wants to show this notary their own seal… of approval?

ROBERT: You, yourself, said you’re like Yelp for notaries. There’s nothing proprietary about that.

NOTARY: I’ve applied for a utility patent.

CUBAN: You’ll never get it.

LAURIE: Mark.

CUBAN: What? He’s living a pipe dream. What’s to stop anybody from charting the records of companies to see how quickly they pay their bills?

NOTARY: Nobody does it like we do.

CUBAN: I’m out.

MR. WONDERUL: Ouch.

CUBAN: What about you, Kevin? You said the guy knows of what he speaks.

MR. WONDERFUL: That’s when he was complimenting my impossibly dapper qualities.

LAURIE: You got the impossibly part right.

ROBERT: What do you sell the program for and what are your sales?

NOTARY: I sell it with an annual subscription rate of 19.95. And we’re in pre-launch.

DAYMOND: Uh-oh. So you’ve made bupkis.

ROBERT: Daymond, I didn’t even know you were Jewish!

MR. WONDERFUL: I’ll make you an offer. I don’t know what you’re worth, I’m taking a heck of a risk, but I’ll go on the ride with you. There are plenty of notaries who need greater assurances they’ll get paid faster. But $200,000 at twenty percent assumes a value of a million dollars. You’re not there yet. I’ll give you the $200,000. But I want forty percent of the business.

CUBAN/DAYMOND/ROBERT: Oy.

LAURIE: You’re all Jewish now.

MR. WONDERFUL: I hear the other sharks flapping their gums, but I don’t hear anyone putting their money where their yappers are. I made you an offer, Jeremy. What do you say?

NOTARY: I appreciate the offer, Mr. Wonderful.

ROBERT: If I brought a notary in, would you swear to that?

NOTARY: But with all due respect, that’s giving up too much equity. I’d like to hear what the remaining sharks have to say.

LAURIE: As you know, Jeremy, as I’ve said many times on Shark Tank. I can tell when something’s a zero. And I can tell when something’s a hero. And this… is most definitely… a thirty. Better than zero, but nowhere near a hero. I’m out.

ROBERT: Laurie, you were toying with the man.

LAURIE: No, I wasn’t. I’m just being honest.

ROBERT: Well, Jeremy, I see nothing proprietary here. And I’m not a big notary guy. If I ever need you to witness something, I’ll be a customer. But I don’t see it as an investment. I’m out.

CUBAN: So that leaves Mr. Wonderful’s less than wonderful offer. And Mr.Daymond.

DAYMOND: I hate it when companies drag their feet before paying somebody what they’re owed, so I’m with you there.

JEREMY: Would you consider joining up with Mr. Wonderful?

DAYMOND: As much as it pains me to say it, I might do the deal with Kevin, if he’s up for it.

MR. WONDERFUL: I’d do that deal. But, Jeremy, you’d be getting two sharks.

JEREMY: Would the both of you consider the deal for… thirty percent equity?

DAYMOND: 100 K each at fifteen percent each? What do you think, Kevin?

MR. WONDERFUL: I’ll do it with one contingency. That we test the accuracy of your program on us. If your program can tell us how long it’ll be before we pay you the 200 K, I’m in.

DAYMOND: Me too.

JEREMY: Right away?

MR. WONDERFUL: Sorry. I would’ve paid you after hell freezes over.

DAYMOND: Me too.

MR. WONDERFUL/DAYMOND: I’m out!

.

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See our string of posts about Notary Shark Tank
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http://blog.123notary.com/?tag=snapdocs

FASS has a brand new app
http://blog.123notary.com/?p=17477

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February 8, 2017

Unsubscribe

Filed under: Ken Edelstein — admin @ 1:40 am

Unsubscribe
Unlike the oft ignored “Do Not Call list” there is no similar central location where you can post your email address to request no unsolicited email. However, as is my custom; first I lament about the problem, and then strive to submit a workable solution. Most of my junk mail is filtered by settings with my email service provider, not my Internet Service Provider. My ISP – Time Warner Cable does a “barely fair” job of eliminating junk mail – much slips through. It is my email “front end” that really makes the difference.

That email service provider, formerly called Pobox.com is now known as Fastmail.com. The takeover has actually improved service. I signed up with Pobox.com in September of 1995 and took kene@pobox.com as my email address. It remains the same, though I have gone thru a few ISPs in the two plus decades. The spam filtering on fastmail is very flexible. However, a few seem to slip through, about one in a hundred. That gives me two options to resolve. The first is to add the sender to one of my spam filters, a very easy to do option. The second is to ask that my email address be removed. I use a not so subtle response, that does work, and work very well.

I *never* click on the “unsubscribe” link, so common in emails. That possibly takes you to a virus laden site! Never click links from “strangers”. Do you really want to test your antivirus protection – often? I don’t. So I “reply” to their email with the following keyboard macro:
Unsubscribe

Please remove me from your mailing list and do not send any additional email to my email address.

The email address to remove is: kene@pobox.com AND any other address you used to send email to me.

Wondering why I did not click the “unsubscribe” link?
It’s way too dangerous to click links in unsolicited email.
It’s much safer to just reply email – hence this unsubscribe request.
The National Can-Spam Act REQUIRES you to remove my email address and not send email to me again after this notice.
Violations WILL be tracked and reported to Federal Authorities who LOVE to issue violation fines.

This has worked for me, the usual response has been “your email has been removed” or similar. Some may feel it’s a bit “over the top” – but they “started it”. I value my time and don’t want my cell phone to indicate “incoming” only to find it a repetition of previously deleted junk mail. It’s also easier to use my macro reply via http://keyboardexpress.com than editing my spam filter.
Take control of YOUR inbox. Make THEM remove you.

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