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October 20, 2016

Lady Notaries need to show caution

I just talked to one female Notary. Several signers have asked her to go to the bedroom with them. She doesn’t understand this because she is in her fifties. She always sits in a 45 degree angle when presenting the paperwork. You can see who’s coming and who is not that way. You can’t predict what’s in someone’s head. You can also present your paperwork in order that way. This lady carries a gun wherever she goes.

I walked in. We sat there at the table, saw his ID, and proceeded. The documents were about fifty sheets. We finished the signing. He was acting a little strange. The guy wanted me to look at his pictures on the wall. It took 20 minutes just to get to the signing. He showed a picture of a pretty Indian girl. Then he wanted to show me a bigger picture in his bedroom. We talked into the hallway, and he was a big man.

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I’d rather stop being a Notary than carry a gun
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10 ways female notaries can protect themselves
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October 18, 2016

FASS has a brand new app

FASS has a new Faxing App you can download. This app is so important since so much faxing is required. I don’t know how the app is used since I don’t do faxing anymore. But, the following banks below require fax backs on many of their documents. See the list.

Ditech Financial, LLC Investment, Second-Home, and Non-Rescindable properties or when notated in special Instructions, 100% of the entire package MUST BE scanned/faxed back immediately and you would need to plan your schedule accordingly.

Freedom Mortgage- certain critical documents on all Freedom signings must be scanned/faxed back immediately.

Bank of America- certain documents on all Bank of America signings must be scanned/faxed back immediately and you would need to plan your schedule accordingly.

Wells Fargo- CRITICAL DOCS on all Wells Fargo signings MUST be scanned/faxed back immediately and you would need to plan your schedule accordingly.

All other lenders: Some lenders might require critical or all documents to be faxed back on case by case bases.
***Please be sure to review the Signing Agent Checklist for faxback requirements. Documents should be scanned/faxed back within 4hrs of completion of signing.
*** You must upload all documents to the order prior to closing/completing out order. If you complete the order prior to uploading the documents, the upload feature will not be available and a traditional faxback would be required at that time. (Quality issues will not be voided.

Will this app change your life? Has anyone used it?

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Apps that Notaries have never heard of that could change your life!
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Are notaries becoming unsnapped?
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October 17, 2016

123notary has more high spots available

Filed under: Advertising,Popular on Facebook (A little) — Tags: , — admin @ 11:34 pm

123notary used to be booked solid in most of the big metros. But, because we refuse to lower prices, we have availability. 123notary likes higher prices because we weed out most of the mediocre notaries with high prices. We like to maintain the highest quality search results that we can. But, this results in empty spots. Not all metros have empty spots, but many do.

You can contact us to see if we have any high spots in your area. Purchasing a high spot on 123notary means that the Title companies will see you immediately upon browsing a particular city’s search results or zip code’s search results. Top spots get called first, have more choices for who they work for and normally get paid more. Notaries at the bottom of the list get the leftovers that nobody else wants if they get anything at all. So, do you want feasts or crumbs? You decide! If you are serious about this business, spending a few hundred extra per year won’t break you, but it could help make you.

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October 12, 2016

Black Notaries vs. White Notaries — comedy edition

EDDIE GRIFFIN: Man, what’s the difference between white Notaries and black Notaries? I didn’t even know there was such a thing as a Notary until I was 19 and had to get a car title notarized. That was six months after I found out that isn’t is another way of saying ain’t. I would just assume that a bruthah would sign more smoothly than a white Notary.

CHRIS ROCK: In an ideal world, a white Notary would witness signatures, but a black Notary would have a body camera to make sure of what he witnessed.

EDDIE GRIFFIN: You’re making the Notary sound like the Dallas Police force. If I were a black Notary, I’d be more worried about being pulled over by the police. “Registration and Notary seal please, you know the drill.”

CHRIS ROCK: Yeah, but if Notaries were really like police, at loan signings, they would say, “Now reach for your ID, nice and slow — no sudden movements.” while they had the borrowers at gunpoint. I can’t imagine a signing like that — unless it happened in Detroit.

JERRY SEINFELD: And if you did a signing by X, if you knew who the signer had been seeing while married to his ex, then you’d know why she became an ex.

EDDIE GRIFFIN: I don’t think that signing by x is exactly like that, but I’m digging the way you think.

CHRIS ROCK: And by the way — black Notary lives matter, especially if they’re listed on 123notary.

JERRY SEINFELD: But, if you’re signing with an X, you didn’t come from the greatest school, unless you’re Malcolm X.

EDDIE GRIFFIN: With my luck, the minute I became commissioned as a Notary and got in my vehicle, within minutes of leaving the county clerk after taking my Oath, I’d probably get my ass pulled over by the Notary Police — but, for what I don’t know.

POLICE: Do you know how fast you were signing, son? Can I see your Notary Seal Please?

EDDIE GRIFFIN: I just got my Notary commission, I haven’t even used it yet. How come you didn’t pull that white Notary over?

POLICE: We don’t judge a Notary by the color of his ink, but by the content of his character.

EDDIE GRIFFIN: Yeah, you’re a character all right.

POLICE: And by the way, the paper might always be white, but the ink is always black which in my opinion kind of evens the score.

EDDIE GRIFFIN: Yeah, some things ain’t never gonna change.

POLICE: We just wanted to make sure you weren’t notarizing by text and driving at the same time. Just a routine check.

EDDIE GRIFFIN: Yeah, stoppin’ brothers. What could be more routine than that?

JERRY SEINFELD: So, what’s the deal with white Notaries?

CHRIS ROCK: Isn’t that redundant? That’s even whiter than Conan O’Brien’s non-tan lines.

EDDIE GRIFFIN: Man, what is it with white Notaries, ya know what I’m saying? I bet a white Notary would go to a signing in his nice family SUV, and he would park on the street just to be polite. And then he would knock on the door being exactly on time and say, “Hi, my name is Mike — I’m white, and I’m happy and I’ll be your Notary today.” I don’t want to white-wash this, but that’s how I see it.

CONAN O’BRIEN: Yeah, I bet if it were a black Notary he would say, “Hi, I’m Jermaine, and I’m the Notary with the smooth conversation. Check out this alligator skin briefcase. And you’d never believe the story behind it. I was down the street at my brother’s house and his kids were playing in the back yard. Then an alligator came out of nowhere — we live in Florida by the way. I rushed out at ninja speed to get those kids out the yard and got there just in time before that gator damn near bit my nephew’s arm off. Then, I drove home a block away and came back with my samurai sword. I bought it in Tokyo during a vacation and had it shipped to me as a decorative piece. I never dreamed that antique sword from the Mei-Jin period that was used by the great Zatoichi would ever be used again for practical purposes. So, I ran into the backyard with my samurai sword and said — hayyyyyaaa!!!! And I done chopped the gator’s jowels off. I sold the meat to a local taco place and had my neighbor make a briefcase out of it.

And… I got the smoothest pens you ever signed with. They’re like butter. These cost $200 and no — you may not keep them. But, enjoy the signing experience, my stories, and enjoy the ride. By the way — my ride is a stretch limo that I have parked outside. We can continue the signing there if you prefer — drinks included, but not until after you finish signing. And remember — sign responsibly!”

CHRIS ROCK: Yo Conan, you rock!

CONAN O’BRIEN: Ha ha, I’m a brutha with some street knowledge! And by the way, you not only rock, you are a Rock!

EDDIE GRIFFIN: Conan’s a brutha now? What????

JERRY SEINFELD: Black, white, yellow, brown, orange – believe me, none of us are happy.

EDDIE GRIFFIN: Brother, you just made me happy to hear that.

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Black Notaries vs. White Notaries — The Notary Manual
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Honey you can kiss my app
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Demographics in the mobile Notary business
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October 4, 2016

SnapDocs has a new feature for bank auto pay within 30 days

Tired of not getting paid on time? SnapDocs (our competitor) has a new feature which we think is helpful. I’m not sure how the feature is used, but you can arrange that companies will auto-pay you within 30 days. Most Notaries are tired of waiting, and not knowing when they will be paid. To be guaranteed payment, and not even have to deal with checks sounds like a wonderful arrangement. Ken has an even better arrangement which is getting paid Paypal up front.

I wonder how you guys would feel if 123notary had a system where slow paying companies would be denied our future search algorithms? That would eliminate a lot of the bad traffic from 123notary and give you only the best. I’m not sure that would help our site, or help you guys that much, but it would make your lives safer and perhaps more pleasant.

Let me know what you think

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October 1, 2016

How do I do a Signature by X notarization?

How do I do a Signature by X?
How do I do a Signature by Mark?

Signature by X is a relatively simple proceedure normally used for elderly people who are too frail to sign their entire name and who can barely hold a pen. Signature by X requires the use of two subscribing witnesses. The function of a subscribing witness is first to witness the signature of the principle and second, to sign the person’s name next to their X.

Subscribing witness #1 must sign the person’s first name and middle initial (if any) to the left of the X in the Notary journal and on the document.

Subscribing witness #2 must sign the person’s surname to the right of the X on the document and in the Notary journal.

It is also prudent to indicate on the document who the subscribing witnesses are, and perhaps even their driver license information just in case they need to be identified after the signing for any legal reason.

Signature by X is also known as Signature by Mark (which would be a great name for a Notary business if your name was Mark.) If your name is Malcolm X, you also might find the signature by X might be the only way to get yourself notarized. Additionally, if you sign by the x with an X, there might be too many x’s. Just make sure there aren’t three x’s in a row otherwise that would be pornographic.

How much should a Notary charge for a Signature by Mark?
A Notary could charge for the signature of the principle and also might charge an extra fee for the witnesses, although you would have to query your state laws on charging for witnesses, especially if an Oath is involved. To learn more about Signature by Mark, you can get a Notary Law Manual for your state from the NNA or look up the Notary laws on your state notary division’s website!

Find a Notary on 123notary.com to do your Signature by X Notarization!

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What is a Signature by X or by Mark?
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Signature by X from A to Z
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Our string about credible witnesses
http://blog.123notary.com/?tag=credible-witness

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September 29, 2016

Notary Aptitude Test 2

(1) Notary Stamp is to Notary Seal what Attest is to:
(a) A test and a verbal verification (b) swearing and stating (c) The 123notary signing agent online test and proof (d) Oath and affirmation.

(2) Document Date is to Signing Date what Match.com date is to:
(a) Ditching date (b) Marriage date (c) Engagement date (d) Backdate (e) No relation

(3) Backdating is to signing what _____________ is to lying about your age.
(a) Match.com profiles (b) rescission date (c) Notary Applications (if you’re under 18 or not a US citizen) (d) notarizing an acknowledgment an hour before your signing appointment.

(4) Name on Title is to Name on a Document as name on Birth Certificate is to:
(a) Name on your ID (b) Your street aliases (c) Death Certificate (d) Mother’s maiden name

(5) Jurat is to Oath, what Oath is to:
(a) Quaker Oaths (b) Oath written text (c) Swearing (d) Attest

(6) Original document is to wet ink signature as commission paperwork is to:
(a) Secretary of State’s seal (b) name of your state (c) Felony conviction (d) Commission impossible

(7) Venue is to State what State is to:
(a) Secretary of State (b) City (c) County (d) Zip code

(8) Witness is to bank robbery what Notary act is to:
(a) Acknowledgment (b) Jurat (c) Protest (d) Unmarked Bills

(9) Subpoena is to testify what credible witness is to:
(a) Busy-body (b) Bank Robber (c) Subscribing Witness (d) Identify

(10) Middle initial is to document what ___________ is to identification
(a) Name (b) Middle Name (c) Matching or longer (d) Name on Title

(11) Digital signature is to an eSigning what a/an ________________ is to the future of the Notary profession.
(a) eDocuments (b) Notary (c) eNotary (d) 123notary

(12) SnapDocs is to the Notary Profession what Walmart is to:
(a) eBay (b) Retail (c) Amazon (d) Life

ANSWERS:

1. Note to readers, seal has two meanings. It could mean a stamp, or a signature). Answer (a) is correct even though it is part joke and part true.

2. (e) is the correct answer as the document date is arbitrary and could be any date, and has no relation to the signing date although it is commonly the same date as the signing date by convention.

3. (a) Match.com profiles typically have women who lie about their age and roll back the years about five to ten years. But, do men also backdate their age?

4. The name on Title is your official name that the property is registered to which carries a certain amount of official merit to it and permenance just like the name on your birth certificate. However, people do change their names after the fact that could lead to different names on the document or ID. Correct answer is (a).

5. (c) Swearing is a part of the Oath just like an Oath is a part of the Jurat process.

6-12 Figure it out on your own! That was fun!

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Notary Aptitude Test
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September 27, 2016

The Nose Best Notary

OK, I’ll admit it – I cheated. Of course the title should use the word “knows”. But, there seems to be a problem in the notary community. A disproportionate percentage of notaries feel they are a “cut above” the rest of the field. Not a tiny cut, but by a wide margin – knowledge wise. Many of us seem to consider ourselves the best – not “one of the best” but “the ultimate notary”, why?

I’ll venture a guess. It’s that the vast majority work for themselves. They answer to no one. Thus, they do their own “self evaluations” and, surprise – bask with pride at their reflected image. Wake up; you have a lot to learn. The world, security wise, is changing rapidly. The old TIL and HUD have been usurped by a CD. Are you hoping I will define that – sorry – I will not – you are supposed to know what a CD is. OK, you aced it – but how aware are you of its components?

The problem is manifested in more than knowledge of esoteric loan package forms. It goes to the heart of being a responsible public official. The county sheriff would not be in office long if they could not recognize one of the 10 Most Wanted if they passed them on the street. Similarly, you need to keep up on changing components that affect your working environment. A good start would be to review the Current Edition of your governing regulations. Things have changed since you took your notary exam. You swore to uphold those rules, and must maintain your knowledge.

Take participation in the http://123notary.com forum. Many are the posts that offer their own opinion – believing that theirs is the only right path. Few are the posts that acknowledge that someone with a superior understanding offered the right approach to the situation. It’s an interesting exercise to explore the web sites of those self proclaimed luminaries. I have done precisely that. What I found was gushing self praise and absurd proclamations. We can be at your location in 10 minutes. We know every doorman in the city. Our notarizations are much better than any other. Blah, blah, blah.

How do you throttle back your ego? One good method is to submit to standardized testing. This site offers a few varieties, as to some others. Of course there is your state notary manual, do you understand every word. Not each sentence by rote – but each concept by its essence. Did you ever call upon your licensing authority to explain a “fuzzy” concept? Or, did you just assume “I don’t need to know that. Here in NY State notaries must view “Adequate Proof”. The term is not further defined in the Notary manual. I spoke at length to them to derive their intended meaning.

Nobody is the knows best notary. Some think they are. The ones that come close are open minded and willing to learn. The foundation is, of course, your governing laws. But, it is in the application of those parameters that we exhibit our judgment; and our “wisdom”. For your business to be viable, you need to meet your clients’ needs and desires. Sometimes creative approaches, based entirely on what is completely proper are required. Given a complex situation there are those who will claim the request illegal; usually a safe choice. But, others with a greater breadth of knowledge can derive a totally legal and possible innovative solution. It is those whose clients feel that their notary “is the best notary”.

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September 26, 2016

What is a high placed listing on 123notary worth?

Many people want a high placed listing for Notary advertising on 123notary.com, but complain about the prices. We keep our prices intentionally high to weed out Notaries who are not serious. But, should you pay big bucks to get a high placed listing?

A Good Foundation
First of all, you will not get your money’s worth if you did not pass our (signing agent) Notary certification test. People who visit our site want to see our signing agent certification, not some other agency’s like NNA or Notary2Pro, etc. Additionally, without a few fresh reviews from satisfied clients on your listing, you will lose a lot of the potential of a high placed listing. Finally, your notes section needs to be perfected, so ask us for help — it’s free. So, get your foundation in order before you invest above $100 in a listing.

Building Your Presence
123notary allows people to buy a high placed listing half a year at a time. So, you can try it out. Sometimes we might even let you try three months. We want you to be happy with what you purchased. So, if you try it out, you didn’t lose much if it didn’t work out. Some people have amazing stories of getting several jobs within hours of signing up while others wait weeks. A lot has to do with your luck, your presentation and timing.

Trying Multiple Areas
123notary also allows you to try multiple areas. Our most serious Notaries advertise in several counties with high placements. But, some of them want to put their toe in the water before making a long term commitment. They might get an additional county with high placement in Montgomery County to see how that goes. If it doesn’t work well, they ask if they can move it to Orange County. We understand that you might want to experiment, and that’s okay.

What do people who have been advertising on 123notary say?

I get 90% of my work from 123notary!
We get this a lot, but not from all of our Notaries. 123notary is feast or famine. The Notaries on the top of the list get most of the jobs while the Notaries lower on the list get the leftovers if there are any. Once in a while, a well prepared Notary lower on the list will get a fair amount of business too because they presented themselves well and have deep experience.

I got my first job within hours of signing up!
Some people get lucky and get a job right away. This is partly due to yogic thought. When you are thinking about expanding your presence, you attract new clients. Putting your money where your mouth is also increases the power of your thought. Some people have to wait a while before getting work. We recommend working on your FOUNDATION as we mentioned above as that can dictate how well you do against our very seasoned competition who lists on our site in your county (or perhaps they do)

I got five jobs my first two weeks on 123notary
Some people get a slew of jobs after getting a high placed listing on 123notary. There is no accounting for luck. Others start racking in the jobs after they pass the 123notary certification test.

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He made $35,000 per month his first year in business
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September 19, 2016

Do you negotiate fees correctly over the phone?

Most Notaries study from loan signing classes, but never study the art of negotiation. Negotiating is not hard, but it is an art. Turks, Persians and Indians seem to excel at this while Americans haven’t a clue. In negotiating Notary fees, the secret is to make sure the other person makes an offer first. If you offer first, it might be too low in which case you’ll lose money. Or it might be too high in which case they’ll think you are too expensive and might not want to bargain. If they offer first, you can raise the price by $15 or $20 and still be in their ballpark or just agree if they are being reasonable.

On the other hand, if you want a reputation of charging fair fees for solid work, you can have a pricing formula based on time spent or even have fixed fees, or mileage fees. If you charge $110 per signing, that seems reasonable. They can always bargain you down to $85, and if it’s not too far, you might say yes and make some fast money.

I remember talking to a sub teacher who made $90 per day. Making $85 in two hours including driving and printing is better than $90 in a day. So, you are making more than teachers who are supposed to be the pillars of education in society today.

The other thing to remember is that you have to get your facts and terms straight before you quote a realistic price. If you don’t know how many pages, fax backs, signers, and notarizations there are, you might not give a true price. If you don’t know if the company is fibbing about the # of pages you’re in trouble too. If you don’t know if you get paid if the loan doesn’t fund, you’re in trouble too. Terms are as important as price or anything else. You can negotiate a $500 price, but if the loan doesn’t fund, you might get zilch.

So, put all the cards on the table before you quote your rate. You can quote first, or wait for them to make an offer. Additionally, most Notaries prefer phone offers to emails or texts because they can bargain more easily. You can bargain in any medium. Just state your rate and state your terms by text, email or phone. It is the same — just more delays in feedback.

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Negotiating with aggressive callers
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