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September 6, 2016

The Rapid Response Notary

The Rapid Response Notary

We frequently see the flashing lights and hear the wailing siren. It could be a fire truck, police car or an ambulance. They know the value of a rapid response, often minutes, sometimes seconds will make the difference between being –on time- or being late. Their systems have evolved to, in many ways; shave seconds wherever possible. They use short radio codes in lieu of lengthy verbiage. Often they send a signal to the traffic light to turn green for them. The classic image of sliding down the pole to the fire truck, so much faster than stairs; is known to all.

While our clients rarely have life threatening situations, they too desire a rapid response. Most of use endeavor to avoid our incoming calls going to voicemail; a good start. True, we make lots of calls ourselves, tying up that very important incoming line. Simple solution: use two phones; they are certainly cheap enough. One should be dedicated to incoming calls, and nothing else. The other is for outgoing calls, and those critically important email and text functions.

You just completed the signing, time to send “signed with no issues” to your client. Soon after you have just dropped off the edocs with FedEx. Being a good communicator you send a second status of “package is with FedEx, scanned, and now trackable”. But, that’s not worth setting up an external keyboard, so you “thumb” it into the tiny phone keyboard. However there is a better way. Install on your phone(s) a macro facility that can generate the standard messages, and many others. I use the “signature” facility in ProfiMail (my email program), to select the appropriate message. It took a while to setup; but now those routine messages can be sent with little effort. More importantly: they are sent moments after the event.

Possibly on your business card you list both your home and cell numbers. When you are out on an assignment and a call goes to your home phone will it be forwarded to your cell? Most phone providers allow this, and if you configure it to forward on the 5th ring, you will have plenty of time to answer the phone when home. The objective is to not have clients connect to voicemail.

I assume you use a Bluetooth hands free device with your phone. Just holding a phone while driving will qualify you for a traffic citation, and possibly a fatal accident. You have the phone mounted where it can be seen and reached easily, great. Another problem, the caller wants to give you some detailed information to write down. Most of the time I request the caller to send me the information via email, and offer my email address. But, they are driving too, or unable to text or email. That is when I ask permission to start the voice recorder in my cell phone. A quick tap of a widget on the home screen starts the recording function in Dictomate.

I prefer a separate GPS device and rarely use the one in the cell phone. At a critical turn, a “pop up” for an incoming call can be annoying. No GPS? – you become a “Delayed Response Notary” while you struggle to ask at gas stations which way to your destination. It’s a good idea to go to the right house the first time. But, the GPS does not indicate which it is in a “cluster”. That’s the time to use a powerful flashlight to find the house number; avoiding the neighbor’s guard dog!

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September 4, 2016

Manhattan Notary Ride

Filed under: Ken Edelstein — Tags: , , — admin @ 12:38 am

Manhattan Notary Ride

Prior to writing this blog installment I chose the 3rd assignment of the following day to chronicle. It turned out to be a routine business document at a midtown location. Like they say “getting there is half the fun”! Note: Dashboard mounted camera for hands off safety employed.

I’m going from 74th and West End Ave. to East 39th between 1st and 2nd avenues. It’s a noisy start; the garbage truck in front of me (with mechanism running and cans clanging) is silent compared to the Cadillac Escalade limo honking behind me. Slowly we advance one car length at a time. Finally at the corner, pedestrians ignoring the “don’t walk” (actually a red hand) cause me to miss the green light. Going west, about to cross Amsterdam Avenue; suddenly a delivery bike, going against traffic (illegal) cuts me off – braking hard – stop in time. A lady seizes the opportunity to push her baby carriage, against the “red hand”, again I miss my green light.

Finally, across Amsterdam, going east on 74th St., it’s narrow, only one lane. In the middle of the block a cab is pulled to the right. There is enough room to go around. I do so slowly, and am able to stop when the passenger exits on the “road” side; not the “curb” side. Got a green light at Columbus Avenue, right turn – almost. There is a “kiddy caravan” – dozens of toddlers literally tied together at the wrist to a central rope. They are taking the pre-schoolers to the park. I’m stuck in the intersection blocking the crosswalk and receive 1/5th of a “high five” from someone.

Finally on Columbus Ave, which feeds into 9th Avenue, part of my downtown route to 38th Street. It’s five lanes wide but the construction at 50th street narrows it to one lane. That area, for blocks has a terribly rough road, 15 MPH to avoid damage. Naturally the cab behind me could care less about vehicle damage – the driver does not own the cab – constant honking and flashing of high beams for me to speed up. I don’t. Now on smooth road to 38th street and a left turn. I cross 8th avenue and come to a stop. This is the theatre district and its intermission; vast crowds overflow the sidewalk into the street. They stand in the middle of the road sipping their drinks and puffing cigarettes. Fortunately the sirens of a fire truck behind me cause a path to open.

I’m crossing the Times Square “mall” area. The place is jammed with tourists gawking at the cartoon characters who, for a fee, pose for pictures. There are also some definitely “XXX” rated characters, “The Naked Cowboy” and some females only wearing high heels and body paint. It’s difficult to keep my eyes to the road ahead of me. What little I can see, there is a mass of humanity that consider the cross street part of the mall area. Finally a “white hat” law person, gender indecipherable – clears a path. Usually they only write parking tickets! I start to go but a delivery bike glides directly in front of me, breaking hard it’s a near miss. Finally I am on 7th.

Bike and turning lanes cut my downtown 7th Ave to 3 lanes, make that 2 when you count the double parked delivery trucks. Left onto 38th to York and 2 left turns to destination! All of the streets are “No Standing except for Commercial Vehicles” and even those must obtain (at $3.50 an hour) parking passes. A block away – oil truck can’t make it past double parked car. Finally arrive, elapsed time 1 hour, distance travelled 3.4 miles, gas gauge moved one line!

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September 3, 2016

URGENT – virus RANSOMWARE info

URGENT – virus RANSOMWARE info

I just received, in the same day, 3 emails purporting to be from Amazon. The subject said that my package had been shipped. That’s strange; I’m not expecting anything from them. Of course it was a virus; and an especially nasty variant. Ransomware encrypts the contents of your hard drive and demands payment for the password to unlock the drive. If this hits you – you only have two options. Pay it ransom and “hope” they send you the password – and not ask for more money. Or, just wipe the drive and rebuild your system from “nothing”. Depending on the specific variant, the encryption can be done using either the AES 128-bit or RSA 2048-bit encryption algorithms – which are extremely difficult to break. Put in other words, unless you have the computing power of the CIA, you can’t break the code.

Regular readers know that I have been a computer person all my life, really. My personal PC has many layers of defenses. Think of a castle: high walls, archers on the ramparts, a moat, alligators in the moat, you get the idea. Well, my system has 9 layers of defenses, and those emails were not caught till layer 7. They should have never been forwarded by my Internet Service Provider – but they were. You, yes YOU need to learn how to protect yourself – or – eventually pay the consequences. I have discussed PC protection in prior blogs and will not rehash, but rather present some new material.

With the assumption that you have a decent anti-virus program, AND it automatically keeps itself current by downloading updates – at least daily; AND you have a backup methodology – read on. Wow, that was a long sentence even for me; but those two are the most important things you can do.

Next, you need to understand that some types of attachments can be nasty. Most of the time, there might be exceptions; good old .doc files are safe, as are .txt – most of the time. Some types are poison, the very commonly sent .js or java script is the classic virus spreader. The one that attacked me was .docm that little M at the end is really, really, nasty. It stands for document with a Macro (executable code that can do ** anything ** to your computer) – just by opening it with your word processing program. Now that’s really sneaky. The little “built in” macro does not actually scramble your computer, it needs help. So, it contacts the “mother ship” and downloads the real ransomware – slick, efficient, and deadly.

To protect yourself – DO NOT BE CURIOUS. Just delete the email, I’m good with computers, I know enough to not open emails that are unexpected – NEVER. Next, make sure your PC is set to show you the file extension. When you look at the attachment does it say ClosingDocs or ClosingDocs.PDF? Learn how to configure your PC to show the “file type” – and change it to show the complete file name. Be aware that some will have, to fool you, multiple “file type” such as ClosingDocs.pdf.js – if you are not configured to see the complete file name it will appear without the final extension of .js – make sure to do this. You should not ever “hide” the file extension – there is NO good reason – it’s commonly the default to make the files look “simpler” to the casual user. Check to see if your word processor supports prohibiting some “file types” – if so configure it to either not allow .js .docm (and many others, find out which) – or to at the very least to ask you “are you sure you want to open this type of file”.

Malware that simply destroys your computer is certainly still being created by sick puppies. This up and coming threat of ransomware is growing – they can, and do receive money from their victims. When you pay, usually via money wire to an offshore location – they may or may not “honor” their commitment. Again: anti-virus up to date, regular backups, file extensions displayed, and never click a link or open an email unless you are very, very sure what it is; and/or where you are going. You probably do thousands of clicks a month – it only takes one DUMB one to literally put you in a world of grief. Don’t be curious!

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August 30, 2016

Self Notarization Landmine

Self Notarization Landmine

I’m referring to the form where you are the only person signing. Ignoring the fact that the form asks you to notarize your own statement, what it says can haunt you later. Yes, I know; you feel the statements are the absolute truth. What harm can it do? It’s not a filed document, nobody will ever see it *except* when it’s not truthful. Then can land on you like a ton of lawsuits.

Typically it has a venue, a statement (more on that later), and a place for Notary Public signature, stamp and commission number / expiration date. Sure seems like a “notary” act. But, as I said; let’s just ignore the illegality and get to the possible later grief.

I, the above described Notary Public, hereby certify that I have checked the identification of those parties who have signed before me and I have attached copies of their driver’s license(s) or other picture identification. I have verified them to be the same parties as those described in the instructions acknowledged by me. Witness my hand and official seal ……………

Lawyers love ambiguous verbiage. Here the two key words are “checked” and “verified”. Really? Just how did you do that? Are you trained in spotting a forgery? I’m not referring to a mess made on a copier. The “bad ones” just Google “fake driver license from china” and order from the site that rhymes with snowflake. I looked at their site – it scared me. For about a hundred dollars one can get a VERY good fake driver license from any state. Perhaps a police officer with real time access to police information can determine the serial number is not appropriate for the issue date or the birthdate on the document. But can you? I certainly cannot.

Thus, how can I make a statement that I certify and verify the identities? I know that is what notaries do – “check ID” – but there is a limit to our ability to detect forgeries. Some states have a specific “proof” list – the only items that can be used by the notary. Here in NY, it’s a bit fuzzy, the law requires the notary view “adequate proof” – seemingly a lower standard than verified.

I have followed articles and reviews of the “snowflake” – they have the technology to fool anybody who does not have police type access to driver license databases. It would easily pass my visual inspection. There are forgery detection manuals that go over “hidden” aspects of the various state issued licenses. I’m sure “snowflake” has a copy!

So, there is a good chance that, over the years; I have notarized by accepting a forgery. To me it was “adequate proof”; to you it was on “the list”. So where are we now? Well, I feel I followed my states laws, and so did you. The real issue is making a statement often entitled “Positive Proof Identification and Notary Signature Affidavit” that goes beyond my state requirements.

Recall the Miranda warning “anything you say can a will be used against you in a court of law”. The same admonition must apply even more strongly to things that you sign and “notarize”. I just return these forms untouched, with the exception of attaching a business card.

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August 16, 2016

Hospital Notary Jobs

Hospital Notary Jobs

Hospital visits present the greatest personal risk, even greater than jail visits. When you visit a prison the staff knows your personal safety is their responsibility. At a hospital you are virtually ignored. The passing of infections is an obvious key issue; both ways. If you have the slightest contagious aliment it’s best to avoid hospitals. Two main reasons: your personal defenses are reduced, and you can infect a patient, potentially with dire consequences. Most of the NY hospitals that I go to have both facemasks and hand sanitizer at the entrance. Use both, also press the elevator button with a pen; generally avoid touching things. If you ask someone they will usually give you a pair of thin rubber gloves – additional protection.

Hospital visits should always be prepaid. You should stress the potential problems and frankly inform your caller that the risks are theirs. Your fee is earned when you to go to the facility and notarize if you are permitted to do so. There may be objections by the facility, ID issues, access limitations, ability to sign, ability to understand, etc. There is a good chance your client will be named as Agent on a Power of Attorney. Persons obtaining POA authority are quite willing to pay mobile notary fees; and have a great interest in obtaining the notarized document. Though their interest is irrelevant to your go/nogo decision; it’s worth mentioning. The majority of hospital POA jobs are, in my experience; for loving, concerned relatives who want to help. Of course some wish to exploit the afflicted – it’s virtually impossible to derive their true motivation.

But, your job is to notarize, if you feel doing so would be morally and legally proper. Hmmmm, just where did morally enter into the law? There are (at least in NY State) some “judgment call” aspects. Do I feel that the affiant understands the document and consents to it? Did the ID meet the standard of “adequate proof” – perhaps the photo on the license was a long time ago. Let’s continue with your approval of the situation.

You don’t know and will not be told what their affliction is. Sometimes there will be a “facemasks required” sign on the door. You should be wearing your facemask during every visit. Also take care about having the patient use your pen. Consider leaving it in the room, or at least giving it a good wipe with the hand sanitizer, there are usually several on each floor. Usually someone else is in the room. Show them where the patient needs to sign and stay a few feet away. But, you still need to witness signing a Jurat and need to administer an oath. They can bring the document to the patient while you observe. Just be sure that “they” do not sign for the patient!

Back to your fee. Some make payment on the web site with a credit card. Others prefer to pay with cash. Cash should be collected in the lobby if possible, or call your client out of the room and settle the finances first. Recall that you carefully covered all of the possible impediments to being able to notarize. Your “payment first” policy should have been carefully covered by phone prior to any travel, when accepting the assignment. Similar to prisons, things tend to move slowly in a hospital. You may have to wait while bedding is changed, test administered, etc. My basic notary fee at a hospital is half again what the fee would be for an office or home visit. Stress openly and honestly that all “risk” is on their side – you will do the job if conditions warrant, and total legality.

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June 19, 2016

Ken’s tips for the Closing Disclosure

Timing Changes to the Closing Process
Well, it’s bye bye time for the good old TIL and HUD. No longer will notaries be waiting for approval of the “final HUD”. Hooray. Borrowers will usually have the new Closing Statement 6 days prior to notary arrival! Less chance for a surprise at the table.
The changes to loan and closing procedures are far more than a few new documents. The biggest changes are to the closing time-lines.

Documents
The HUD-1 and Truth in Lending forms will be replaced by a new “Closing Disclosure.”

Terminology
You will need to learn a new vocabulary. Some common terms are:
TRID = TILA/RESPA Integrated Disclosure
CD = Closing Disclosure
Consummation = Closing
CFPB = Consumer Finance Protection Bureau

Time Frames
New timing and delivery requirements will change the way we handle closings. This is the BIG news for the 123notary.com gang! There is new stuff to consider about timing:
The final Closing Disclosure must be delivered and received no later than 3 business days prior to closing.

If the lender sends the final documents 6 business days prior to closing, they don’t need to prove the buyer(s) receipt.

Most lenders will mail the closing disclosure 6 business days before closing. This pushes back the time frames for closing and makes it harder, if not impossible to address late breaking changes or issues in the days leading up to closing.
Fewer last minute notary requests: Lenders will have less time to get loans approved and the parties will have much more difficulty making last minute changes and adjustments.

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June 7, 2016

And Drop Off The Package

And Drop Off The Package
You did “almost” everything right. The call was logged and scheduled. You confirmed with the borrower. The signing went smoothly in every respect. All required “pick ups” were included. When you printed the docs you also printed a separate PDF with the FedEx airbill. You slip the airbill into the pouch, seal the envelope and, well prior to pickup time, the package is dropped off. Mission accomplished, check to follow.

Perhaps not, considering the rather outspoken title person making your cell phone’s speaker vibrate violently. “We got our delivery, it was not delivered; where did you leave it – at a local bar?” That’s certainly not the case. It was only yesterday afternoon; you clearly recall bringing it to the local FedEx office – NOT a street side drop box. There was a long line for the sole representative on duty at the time. Usually you hand it over the counter and ask for a “drop off receipt”. But, as this was so very routine, and the wait would be long – you slipped it into the drop box IN the FedEx office. You have done this dozens of time before, never a problem.

Without a drop off receipt to scan and email, you have no proof of drop off. So, you make the trip (as demanded by title) to the FedEx office. It’s a long wait, but eventually you get to speak to the office manager and explain the situation. “I have good news for you”, sayeth the manager, “I have the package, let me get it and return it to you!” Not really good news, but better than no news. Soon the manager returns and hands you the envelope. “Why did you not ship it? – it has a prepaid airbill”.
“That may look like an airbill to you but it is totally illegible! My staff was not able to read the account that would be paying; also the scanner could not read the bar code. We were hoping you would return to claim it”. Groan. You know that if you had waited for the drop off receipt, it would have failed the scan – while you still had time to do something. Now it’s the next day and the title people are having fits. Of course the blame will be on you. They will claim that you did not print the PDF properly. They will ask why you shipped an illegible airbill.

It kinda sounds like a 60 yard touchdown run, only to trip over one’s untied shoelace at the one yard line. The call to title yields the expected results – colorfully. They insist that you, while at the FedEx office – FAX the entire package immediately. You must also rent some PC time to print a replacement airbill so it can be shipped while you are there. This time they explicitly ask for a FAX of the drop off receipt. They consider you a klutz that needs micromanagement.

With demands accommodated, you return home to reprint that PDF with the airbill. Just as you suspected it was sent as garbage – nothing you could do would make it print correctly. However, if you had given it a glance at “doc print time” you would have noticed the problem. At that time you would have been able to call the sender and get a replacement PDF, or, at least the proper charge code to use on a hand written replacement airbill. But you did not catch THEIR error.

When I was a kid we used to play Tug of War. A long thick rope, us kids holding on each end with a gigantic mud puddle in the middle. The team captain would be at the end of the rope, with the rope tied around the captain’s waist. The losing team kids would let go prior to the mud puddle. Being last in the chain, like a signing agent; the team captain was dragged into the mud.

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May 31, 2016

Changed! Form 4506 Request for Copy of Tax Return

Changed! Form 4506 Request for Copy of Tax Return
Also changed is the similar Form 4506-T. Both forms being reviewed are September 2015 (look in upper left hand corner). The big change is the addition of a Mandatory check box next to the signature area. The signer must check box to attest to having authority to sign either form. “The form will not be processed and returned to you if the box is unchecked”. So, heads up about this – make sure they check the box when they sign. As we are there to make sure forms are completed correctly – take a few minutes and read the instruction page.

Most of the time the package will include Form 4506, but, perhaps not. The 4506 now has a fifty dollar fee per year requested, in addition to the above mentioned check box. There is another new option for the 4506. It’s a check box (at the extreme right) “If the copies must be certified for court or administrative proceedings”. That is probably necessary if the document is to receive an Apostille, but not sure. Either spouse may sign the form, or both may sign – I usually try for both.

Form 4506-T is quite different, rather than requesting a “copy” of the actual return; it requests a “Transcript” of the entries made on the return. This one is processed free. Oddly the contents of the 4506-T are specified on the 4506. At the top of the 4506 it states “The transcript provides most of the line entries from the original tax return and usually contains the information that a third party (such as a mortgage company) requires”.

Form 4506-T contains several options (again with check boxes on the right hand edge). Line 5 (where to send it) probably should be completed with the address of title or similar; otherwise the info is sent to the taxpayer. Prior to the check boxes the choice of which form must be entered – most would probably enter 1040. Then it’s on to selecting what type of transcript is required. It’s all on the form, so I’m not covering options 6-a to 6-c. Line 7 is interesting – here you request from the IRS proof that you did NOT file a return for tax year(s). Line 9 is where the tax years requested are specified.

The attestations of authority checkbox and signature areas are basically the same on both forms.
So, with the 50$ fee for the complete copy; many are likely to move to the 4506-T, processed at no charge. Thus, it would be wise to print them both each has only one page of instructions. Read the instructions carefully and understand the difference between the two. It’s unlikely that the borrower will know what options are required on the 4506-T. It’s best when you see it to review your instructions for what options are wanted. If no information is given, call for details. It appears that 6-c and option 8 provides the most complete information.

Fortunately, neither form requires notarization, yet? What sets us apart from the “bank notary” is our dedication to keeping up with changing requirements and understanding the need to have forms completed properly. Make sure that line 5 (shipping address) is not overlooked. And, if you have a 4506-T to work with, know what entries are required – don’t guess. And don’t rely on “them” to pre-enter the necessary information. Get it right the first time and be the one they call regularly.

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May 24, 2016

Disgusting – Nobody wanted the Notary Job

Disgusting – Nobody wanted the Notary Job
I write this with a combination of sadness and rage. First, let me clear up the use of the word disgusting. That refers to the “so called” “Notaries” who flat out refused the assignment that will be the topic of this entry. I hope some of them will read this blog entry and, perhaps, change their ways.

The call was from a distant location, one that would require double my local fee. Initially, prior to learning the details, I informed the caller about 123notary and Notary Rotary. I suggested they search using their zip code to find a closer agent who could process their job more efficiently and at a lower fee. About an hour later they call back to report that none of the “Notaries” they contacted would accept the assignment. Intrigued, I asked why.

The job entailed 4 one page documents, and a 12 page document. All were to be notarized. So far, routine. However the affiant was both blind and partially disabled. The affiant had already had the documents read aloud, and was totally able to understand the contents. They related to investments. Not wanting to work for someone who has perfect ID and is rational (actually highly intelligent) is, IMHO a notary sin. The MINOR limitations could be accommodated and the notarizations could proceed quite legally.

I established some “ground rules” to protect the affiant. While I was in route to the location the documents were to be read aloud – slowly. Every word. I was informed he could sign if the arm was supported – the affiant was able to use his hand to sign. Each document contained a statement by the “reader” as to reading the complete text aloud. I required that this take place prior to my arrival, and again in my presence. That process added an hour, of course at no additional charge. The appointment was confirmed and I began the lengthy journey.

I met a person who awed me. Not being the least bit negative as to physical condition. Cheerful, bright and witty were the initial impressions. Only later did I learn the depth of intelligence. My client was an investing genius. What Stephen Hawking is to science, my client was to investing. I felt an inner glow when my client told me that my fee for travel was fair; and it was understood that the extra time the procedure took was not part of the fee. How kind it was to hear that spoken.

I was told that the documents were already completely understood; and that my insistence at being present for an additional reading was both appreciated and unnecessary. I’m passably intelligent, but I know enough to appreciate the vastly superior intellect before me. With the formalities completed, double and triple checked; we chatted a few minutes. We discussed the notary function, and I was able to cover some of the regulations and procedures mandated by NY State law. The conversation turned to investing and market trends related to the upcoming (2016) elections. I learned a lot.

To the heartless, self centered, poor excuse for a “Notary” who dismissed this assignment; I say “shame on you”. Not only did you miss an EASY job, but you also missed some very useful investing advice that is sure to yield me profits far greater than a mobile notary fee. Back to that fee. I did consider charging my local rate. But, that would be treating this client “differently”, and bringing up the subject might be viewed a pity; something neither needed nor appropriate.

Some might consider my client “handicapped” or think (to themselves) “there but for the grace of God go I”. I prefer to think it’s a routine assignment, costly due to distance, lengthy because we are all different; and important because we are all human.

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May 3, 2016

How to Chase Away Clients

Filed under: Ken Edelstein — Tags: , , — admin @ 3:01 am

How to Chase Away Clients
Through the years, by accident, inattention or just plain stupidity – I have chased away some clients. We all have. Miztakes are a normal part of the human existence. Show me someone who claims to never make mistakes; I will show you a delusional individual. Probably the most offensive mistakes are those resulting in a lack of judgment. The perpetrator knows what they are doing – it’s just that their “bright idea” is offensive to the recipient of their “wisdom”.

I will start out with the antics of a foolish notary that I personally know. And, know enough to avoid that one both personally and in business efforts. This klutz had the understanding that doctors often need notaries (true enough) to process their statements as to the health of a patient. Typically required for adoptions, this process is routine. Thus, the mentally inept one starts properly enough; by defining a market that has a recurring need. That’s good thinking make no mistake about this: fools can think clearly – they just draw the wrong action conclusions.

With the idea of filling the rather restricted cranial cavity, the notary proceeds to develop some advertising. Self praise is piled high, claims to be anywhere in moments, having the lowest fees in town and other nonsense that rambles on and on. What started out as a one page “flyer” morphs into a densely worded manifesto; with an astonishing 5 page length! With the masterpiece ready, self absorption and a lack of respect for others kicks in mightily.

Having the usual unlimited local calling plan, this proceeds to FAX the five pages of rubbish to every doctor, hospital, and clinic within 20 miles! Not bothering to keep records, it is sent multiple times (due to the way they listed their business) to an unfortunate, but now highly vocal few. Of course the ones who received it only once are also outraged. For the next few days the most common phrase in the medical community is “I got the same junk too”. Blacklisted!

The notary did what was thought to be good for the notary. Totally lacking was any consideration for the recipient. The notary quickly became very well known, but in a very negative way. That notary’s notoriety will last forever, possibly extending beyond medical. Mouse brain would have been better off mailing a pencil with an ad. That probably would not be very effective, but it would not create flaming animosity.

Yesterday, I visited, as requested one of my regulars. The location is about 5 minutes away. The owner immediately told me he forgot to reschedule; as the document had not arrived. It was due to arrive today. He told me that today, my second visit, my fee would be double; to pay for my efforts yesterday. I asked for, and received 1.5 of my regular fee; cutting the prior day in half. He asked why I was not accepting 2X my fee. Because it feels right, was my reply.

It’s easy to lose a client and hard to acquire one. That’s a Marketing 101 truism. To chase them away simply put yourself on their side of the transaction. Would you be happy or sad? Picture the humble = symbol. Is the deal = in benefit for both sides? Only a win win arrangement will result in repeat business. Some strive for >= (greater than equal), good for you; not so good for them. Charging $1000 for a 3AM emergency notarization might get the cash; to be followed by a lawsuit for price gouging. Follow your head and your heart, not just your wallet.

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You lose $37.50 each signing you don’t answer the phone
http://blog.123notary.com/?p=16562

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