Popular Entries Archives - Page 25 of 42 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
123Notary

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

August 2, 2014

Signing Services take a portion of the notary fee

Filed under: NSA Pricing, Fees & Income,Popular Overall — Tags: , , , , — admin @ 8:59 pm

It is a well known fact that signing services take a portion of the notary fee. Some take most of it, while others only take a fraction. It is very bizarre how so many companies work on such different margins. I remember when I was in the game back in 2004. One company charged $250 and paid $75. Another company did business based on volume and charged $90, but paid only $50. This was in the days before e-documents were popular. Once in a while you can read the HUD and find that a company is charging a whopping $400 for signing fees. They might claim that part of that is for Attorney or processing fees, but I don’t buy that.

One borrower saw some outrageous notary fee on the HUD, and asked the notary how much he got from it. The notary replied that he got enough to get something on the value menu at McDonalds. The borrower didn’t like that crack much.

Notaries feel that it is not fair that they get such a small percentage of the fee. In business, there is no “fair.” You take it or leave it. If you are taking it, then that is your non-verbal way of saying that is the best you can do, and it is therefor fair. Take it or leave it. To be able to leave it, you need to have a steady stream of better offers.

Notaries always complain about bad offers. But, it is like a girl at a dance hall. If she gets 19 bad offers, but 1 good one, the good one is all she needs. On the other hand, if another girl got three bad offers and complains about them, the problem is not the bad offers, but the lack of good offers.

If you are not an experienced notary with excellent skills, you don’t merit high pay! Become an expert, pay your dues, master the art of communication, and then you might get better offers. Only 2% of the notaries on 123notary are top notch, and they are getting most of the good offers!

Tweets:
(1) It is bizarre to see how signing companies work on such varied margins ranging from modest to highway robbery!
(2) Notaries feel that it is not fair that they get such a small percentage of the notary fee on the HUD

You might also like:

What are mobile notary fees?
http://blog.123notary.com/?p=21383

10 rules for negotiating notary fees
http://blog.123notary.com/?p=19620

Travel fee if nothing gets signed
http://blog.123notary.com/?p=22578

A comprehensive guide to Notary pricing
http://blog.123notary.com/?p=16504

Share
>

June 6, 2014

Poo Picking – getting the best notary jobs

Filed under: Ken Edelstein,Ninja Theme Articles,Popular on Facebook (A little),Popular on Twitter 2014 & 2015 — Tags: , — admin @ 8:19 pm

Poo Picking
You are probably much more used to the phrase “cherry picking”. It’s a phrase that pays homage to the selection of the best fruit. Without belaboring the point; there is an analogy to picking the best notary assignments. But what about the rest of the assignments? Clearly there is a broad range. The cherries are close by, easy to do; and pay a high fee. The majority of the assignments offered to us are not cherries; they are average. Average, in that we work hard to earn a fair wage. However, there are also the “Poo” assignments. Difficult, far, time consuming, and with a bunch of special added requirements; often at bottom dollar.

How do you get the cherries and avoid the Poo? As the First Lady said “Just Say No”. It’s very bad business to accept every offer made to you. Some say it’s necessary to take the bad with the good. Why? I take the cherries and the average and reject the Poo. If you have been a mobile notary for any length of time you should have developed a good sense of what is a Poo situation. One classic warning sign is that the situation takes a large amount of your time, prior to actually doing the assignment. Do you have time to spare? Probably not.
Quote by Abraham Lincoln: “A Lawyer’s Time and Advice are His Stock in Trade.”. Swap Lawyer’s for Notary’s and that is reality. You have only so much time to devote. Any task that takes an unreasonable amount of your time needs to be abandoned. Sometimes you have to just “let go” – as what starts time-consuming will probably become more so. There are no exact guidelines for me to give you. If you feel you are descending into a pit, climb out!

Now to the real “meat” of this entry. Your calendar is the single most important time management tool. Do you guard it carefully, aware the entries represent the commitment of a slice of your time; unusable for other matters. Some feel anything is better than nothing. If you accept a “Poo” assignment you will be forced to decline all others. Thus, you are, if you are really managing your business; forced to determine the quality and “worth” of the offer. It is in this aspect of time management that so many fail miserably.

“Shields Up” shouts the First Officer on the Enterprise, the Star Trek Starship. It’s the duty of the First Officer, first to protect the ship; second to protect the Captain. You are the Captain of your business, and your experience and judgment must serve as the first officer. But what of the Starship? That’s your “bottom line” – does your business model protect both yourself (from legal action, danger, etc.) and protect your income flow? Assuming you don’t want to fire the Captain (you) then you might have to rethink how you apply your experience and judgment.

“Let me try to have that fee approved” a/k/a “as soon as I hang up I will be looking for someone cheaper, but if I can’t find one; only then will I call back”. One possible response is “fine, but I cannot make a calendar entry until we have an agreement; the time slot might not be available when you call back”. Some are a bit more “pushy’ – “pencil me in for that time” they ask. Sure, I reply but be aware that the next caller who wants that time will cause me to use the other end of the pencil and erase your entry.

Back to Poo, your time; and now add commitment. Today a Poo caller, this one an Escrow Co. (or so they said); made a solid commitment to having both payment and assignment sheet to me by noon for a 3PM assignment. As I write this it’s now 12:30 – nothing received. What to do? For http://kenneth-a-edelstein.com “it never happened”. No, I’m not going to call them; they were able to call me, and have chosen to just ignore their agreement with me. It’s not worth my time to call them. They never had a calendar entry, so there is nothing to erase. It’s unlikely, but if they suddenly resurrect themselves and call at 1:30; and I am “open” – perhaps I will be able to accommodate them. But it’s my rules that govern.

The key to Poo management is establishing deadlines for events; and mutually understanding what will happen when the deadline passes. Then stick to it. Nobody owns you, or manages you; unless you let them.

Tweets:
(1) Re: Notary Assignments; Do you know how to pick the cherries and leave out the undesirable jobs?
(2) Any task that takes an unreasonable amount of your time needs to be abandoned. Sometimes you have to just “let go”
(3) Nobody owns you or manages you unless you let them! When it comes to the worst notary jobs, “just say no”

You might also like:

$10,000 a month on a bad month
http://blog.123notary.com/?p=3891

Interview with a Title Company
http://blog.123notary.com/?p=3724

Share
>

May 20, 2014

Dress British, Think Yiddish

Filed under: Ken Edelstein,Ninja Theme Articles,Popular on Facebook (A little) — Tags: , , — admin @ 11:22 am

Dress British, Think Yiddish
Long ago, about half a century (honest), I was given those four words as the secret to success in business. The same sage advice applies equally to both sexes; to all races and, well, to everyone. A very compact and easy to remember slogan – its simplicity hides a multiplicity of actions that you should consider. It’s time for me to delve into those four simple words.

Dress British – it does not mean that you need to purchase a wardrobe from the UK. The words acknowledge that the British are well renown for dressing impeccably. Clothes make the (wo)man. You do not need an expensive wardrobe to look like the professional you are. You do need immaculately clean and wrinkle free attire. Are you a fugitive from the barber shop? Is there something about your appearance that, at a glance, is highly memorable? When I was in the corporate environment we often had “dress down” days on Friday. However, management would remind us that “dress down” is not to be confused with “dress clown”.

I’m not going to insult you with a litany of the obvious. I also take offense when receiving a signing assignment that asks me to check if my finger nails are clean. But there are subtleties that are worth mentioning, especially if you aspire to dress British. Your attire should be subdued and somewhat bland, the borrower should be paying attention to what you are saying; not what you are wearing. Your professional “uniform” should be changed out of the moment you return home; replaced by “home attire”. True, you will change clothes often; here is a little tip on how to handle that. My work pants have two cell phone cases on the belt, wallet and billfold in the back pockets, business cards and tiny notary stamp in front left pocket, and my current promotional item in my front right pocket. I just hang the pants “loaded” rather than unloading the items. Thus, the pants are ready loaded to put on and I don’t have to look for items.

Think Yiddish – no you are not being asked by http://kenneth-a-edelstein.com to learn a new language. At the risk of offending some of my Jewish readers; the words translate to “keep an eye on the money”. You are working to make a Profit. Not just to receive revenue. Doing a lowball job that, after your expenses nets “chump change” is not working for Profit. Know your expenses and set a realistic fee for your professional skills, time and efforts. I used the term “nets”, it implies that you actually receive payment. Run your business as a business. The accumulation of toxic accounts receivables is to be actively avoided. Carry a “duds” list of firms that must PayPal (or similar) prior to printing – and within 15 minutes of their call to you. Strictly limit their “I’ll have to get back to you” to protect your calendar. If you later discover their last check was issued when Hoover was President contact them. Send them a screen shot of the bad reviews you found online; with the choice of immediate payment or you must relinquish the assignment. It’s valid to reply to “you took it you must do it” with “I took it prior to learning about your terrible reputation”. Unpleasant yes, but worse is dunning for your cash and being stiffed.

Some other types of assignments should prepay. The objective is to eliminate risk. A prime example is an assignment at a hospital. Make it clear that the payment received is for best efforts within the bounds of legality. If the patient is unconscious or not available; the fee was earned because you made the trip. Nobody, repeat nobody, else is looking out for your “bottom line”. It’s up to you to be wary of situations that might not proceed smoothly – shift the “risk” to your client; but make the rules very clear prior to accepting any money.

Thus, the ancient advice given to me of “Dress British, Think Yiddish” has served me well for a very long time. Few are the long drives only to find nobody home; as they found a cheaper notary and did not bother to call me. It’s interesting how diligent folks become about having government issued photo ID available when they prepaid for my visit. Again, it’s vital that you communicate the “rules of engagement” to your client. Neither giving nor receiving “surprises” makes for a smooth transaction, pleasant to all.

Tweets:
(1) Half a century ago, I was given these words as a secret to success in business! Dress British, Think Yiddish!

.

You might also like:

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

Compilation of posts about notary etiquette
http://blog.123notary.com/?p=20505

Would you accept a signing without a confirmation?
http://blog.123notary.com/?p=22588

How to negotiate signing fees like a pro
http://blog.123notary.com/?p=19198

Share
>

May 12, 2014

Do you have to be a CSS to get work these days?

Filed under: Certification & Communication Skills,How to get work; Who is getting work,Popular Overall — Tags: , , , , — admin @ 7:54 am

CSS = Certified Signing Specialist

Notaries are complaining that there isn’t enough work. Early 2014 has been brutal and late 2013 was horrible. Things just died around September 2013. But, the new laws are making it worse. I don’t know if the laws about this topic are being enforced, but I heard that signing companies would be required b law to use a CSS unless they couldn’t find one.

A CSS is someone who passed a yearly background check, and passed a new much harder signing agent exam that is up to government standards. The NNA administers this type of education and 123notary does not. 123notary has its own certification exam for signers which is very basic and proves basic competency to think under time pressure. 123notary’s certification exam gets signers a lot more work on 123notary and is good for the life of your listing, but is not recognized on other sites.

Notaries are asking me if they absolutely have to spend the several hundred dollars each year to get this new designation. My thoughts are that only a few hundred notaries will spend the money and take the time to get this advanced, but necessary designation. The others simply don’t make enough income from notary work, or don’t have the skills or motivation to do it. The result of this across-the-board stubbornness is that non-CSS Notaries will still be necessary simply because there will be so few CSS Notaries around. Signing companies will not have a choice when things get busy and will have to hire those who didn’t go through the CSS program.

BUT,

Those who do go through the program and spend the $300+ will get a larger market share. Whenever you have a designation that others don’t have — whether necessary or not, you get more work. 123notary’s certification has never been officially recognized by anyone, yet those who have it get more than double the work than those who don’t on our site in comparable positions on the search results. Those who have the CSS which in contrast to our informal certification IS necessary will get a much bigger market share. In a dead market, a bigger market share might not look that great. But, things change. Notaries tend to base their decisions on today and tomorrow. If you get an important designation and renew it regularly, you will have it three years later when the market picks up and you will be the one raking in the bucks while others are trying out new recipes for Ramen noodles (the one with the slow-cooked pork belly is actually not that bad.)

Are you in good hands?

.

You might also like:

Background Screening for Notaries?
http://blog.123notary.com/?p=2418

Is having an NNA background check necessary to get work?
http://blog.123notary.com/?p=10385

Notary Marketing 102 – discussing certifications & background screening in your advertising profile’s notes section.
http://blog.123notary.com/?p=19746

Elite certification will benefit you for the rest of your life
http://blog.123notary.com/?p=20770

Tweets:
(1) Notaries are complaining that there isn’t enough work. But, w/o your CSS you might not get any!
(2) I heard that signing co’s would be required to use a CSS unless they couldn’t find one!
(3) So many OTHER notaries are too stubborn to get the CSS designation, so you might survive w/o it.
(4) Do you really need that annual background check? You might get a better market share if you do.
(5) For those who don’t think they need the new CSS designation, we have some good Ramen recipes for you.

Share
>

February 24, 2014

A social media site for Notaries — Affiant

Filed under: Best Humorous Posts,Popular on Linked In,Popular Overall,Virtual Comedy Themes — Tags: , , , , , , , , , — admin @ 9:51 am

For centuries, notaries have been complaining that they were bored, and had trouble meeting friends. They frequently said that they had no friends because there was nowhere to meet people. Then, during the 60’s, there were the be ins, and the love ins and the sign ins. During that decade, the notary public community didn’t complain as much because they were too high to know the difference. But, then in the 10’s (I’m the first person to call this decade the 10’s), notaries once again felt very lonely. If only there were a solution. If only there were a social media site for notaries. Of course the real reason notaries are lonely is because they complain all the time and nobody wants to hang around with them as a result. The second reason nobody hangs around with notaries, is that most notaries don’t answer their phone (at least when we call). But, one guy came up with the solution!

Affiant — a social media site for notaries

Meet new friends on Affiant. Affiant is so good, you will SWEAR BY IT. Members on this site are called Affiants. You can not be a member unless you love the site so much that you swear by it. After all, one who is sworn in to do an Oath, be definition is an Affiant!

Notaries around the country, and even in foreign countries flocked to this new and fascinating site. There were forums, events, lectures, guest speakers and more that all coordinated on Affiant.

How do you become a member of Affiant? The sign-up procedure is easy. You need to be sworn in with a notarized Oath. The Oath verbiage reads:

“I solemnly swear that I swear by Affiant. I think Affiant is so wonderful and great, that it is the best thing that ever happened to the notary — besides 123notary — and nobody paid me to mention the 123notary part either!”

Join Affiant today!

You might also like:

7 ways to use Facebook to market your notary services.
http://blog.123notary.com/?p=5396

Best Notary virtual comedy compilation updated to 2018.
Includes Apps for the new iPhone 7
Honey, you can kiss my app
Disney Notary World, and a lot more
http://blog.123notary.com/?p=17693

How Notary work is similar to online dating
http://blog.123notary.com/?p=15763

Yes, it’s the Notary dating show
http://blog.123notary.com/?p=15312

Tweets:
(1) For centuries, notaries have been complaining that they are bored & have trouble meeting friends.
(2) During the 60’s there were the be ins, love ins and sign ins (for hippy notaries)
(3) Notaries complain they’re bored & have trouble making friends
Now there’s “Affiant,” a social media site 4notaries!
(4) Meet new friends on Affiant – a social media site for notaries. Affiant is so good, you’ll SWEAR BY IT.

Share
>

February 1, 2014

We require notaries to be registered on our approved list

Filed under: How to get work; Who is getting work,Popular on Twitter 2014 & 2015,Popular Overall — Tags: , , , , , — admin @ 9:45 am

We require notaries to be registered on our approved list

An interesting dialogue on our Twitter:

==============

We require notaries to be registered on our approved list because fraud is so rampant in Southern California.

What approved list?

Fidelity National Title is the parent company for Chicago Title, Fidelity Title Ticor Title, Lawyers Title, and Alamo Title. You will need a sponsor in your area to apply to be on our list.

Thanks for the info

============

Many companies use 123notary to find notaries to add to their list. But, these picky companies won’t hire you right off. They browse through the profiles to see if there is someone good who they didn’t see before. If you look promising, they might talk to you, and ask you a few test questions. After that, they might consider going to the next step in their process. But, high class picky companies will not just call random notaries and start trying to qualify them. They are too smart for that. They only pick the best of the best. They don’t need thousands of notaries. They only need a few hundred top notch ones.

Tweets:
(1) We require notaries to be registered on our approved list because fraud is so rampant in California.
(2) Many companies use 123notary, but they won’t use you right off. They pick and choose the best
(3) High class co’s pick the best of the best notaries. If you’re on 123notary.com, you’ve already cleared an important hurdle.

You might also like:

A great attitude gets the most jobs
http://blog.123notary.com/?p=6493

Companies that will hire NEW signers!
http://blog.123notary.com/?p=7059

Share
>

January 22, 2014

We caught a bunch of frauds using notary verbiage

Filed under: Notary Acts & Certificates,Popular on Facebook (some),Popular on Linked In,Popular Overall — Tags: , , , , — admin @ 12:14 am

For most notaries, Notary verbiage is a cause for annoyance or confusion. Due to the poor quality of notary education in most states, notaries simply don’t know how to cross out the is/are and the unused “s” in signature(s) in the boiler plate notary wording. You can easily catch an amateur notary in the act or after the fact simply by looking at their cross outs. You can look at their journal of notarial acts and see if they are taking liberties or making omissions there too.

My notary seal impression was used fraudulently once. No, the notary seal was not stolen (don’t panic), it was just xeroxed with a high quality xerox machine onto another document that needed to be notarized in a hurry. The crime was actually done by a young lady working at a Title Company who made little circles to dot her i’s. Very post high school and ditsy if you ask me. The signature didn’t look at all like mine. But, besides all of these other stupidities, their fraud was easy to catch because they didn’t do their cross-outs in the Notary verbiage section! Additionally, they didn’t use an embosser to emboss every single page with a raise impression which cannot be xeroxed — which is exactly why I used it. If they had been more sophisticated frauds, my embosser would have been my only recourse to prove them guilty.

To my good fortune (or bad luck) I was never called into court to act as a witness. I don’t believe that the bad guys were seriously punished. Maybe they were reprimanded and promised never to do it again. A Title company could get completely shut down for that type of fraud if the right authorities ever found out. Don’t they value their future? Maybe not!

So, the moral of the story for you guys is to take your Notary verbiage seriously. That is what makes your profession a profession, and your ability to handle Notary wording defines your level of expertise.

Tweets:
(1) Due to the poor quality of notary education, notaries often don’t know how to cross out is/are, (ies), etc.
(2) A young lady who worked in title and made cute circles to dot her i’s Xeroxed my notary seal!
(3) Take your notary verbiage seriously, it might be the only thing that distinguishes you from a fraud!
(4) My notary seal was used fraudulently once! It was Xeroxed!

You might also like:

The Notary, The Mafia & the FedEx Drop Box
http://blog.123notary.com/?p=6867

Fraud & Forgery related to the notary profession
http://blog.123notary.com/?p=2294

Share
>

January 18, 2014

You could get sued if you don’t have a business license

Filed under: Legal Issues,Popular on Facebook (comments),Popular on Facebook (shares),Popular on Facebook (very),Popular Overall,SEO,Technical & Legal — Tags: , , , , , — admin @ 12:16 am

Legally, you might need to get a business license
Did you just get your Notary Commission? Good for you! Do you want to start a business doing notarizations? unlikely unless you have gotten huge without a business license. However, there is a small chance that someone else might register that business name somewhere in your state or county and sue you for damages. After all, you were Legally, you might need to get a business license. But, most notaries don’t get one until they want to use a particular business name. Some even advertise in the yellow pages without having a registered business name. What is the risk in not doing so? Will the state government come crashing down on you? That is using THEIR business name and they could claim to have lost money!

Changing or removing your business name
The problem is that once you put your business name in print on the internet or in printed advertising, you might find it very difficult to get change it or remove it. Google keeps a cache of old pages for months as well, so that information you posted on the internet could haunt you long after you remove it!

Notary Business names that change every month?
We have notaries on 123notary who change their business name every month. Each time it is a different variation. In October it is MG Notary Service, and then it changes to MG Properties, and then in December it is Mary’s Notary & Apostille. Which one is it? Notaries cannot change their personal or business name on our site without my intervention. But, when I see that they are changing their business name every month, I begin to think that “perhaps” their business name is not really registered, and that they don’t have business licenses. Hmmm. Once I asked someone to send me proof of their business license and they sent me a copy of a newspaper ad they had used to publish their business name. The text was different sizes and on different lines, and I couldn’t tell which part of the name was commentary and which part was the name on their business license. Good God!

Be safe and get registered
It is better to think long and hard about what your business name should be. Then, register your business name, and get a company bank account. Then you can advertise, and do business as a DBA without “as much” risk of being sued due to your business name. There can always be some clown who still wants to make trouble with you who has that same business name registered in another county, but if you are playing by the rules, it will be harder for someone to question the legitimacy of your business name and probably less likely that they can sue you for “business name infringement”. Your name on your notary commission is registered, why shouldn’t your business name as well?

Tweets:
(1) Did you just get your notary commission? Good! You need to get a business license now.
(2) Once your business name is registered & in print, it is not easy to change it. Think it over first.
(3) We have notaries on 123notary who change their business name every month. Doesn’t sound very legal.
(4) You might be held liable for “business name infringement” if you don’t register your biz name.

You might also like:

Stealing a business name
http://blog.123notary.com/?p=2660

Share
>

January 12, 2014

I go over the HUD-1 first

Filed under: Loan Signing 101,Popular on Facebook (A little),Signing Tips — Tags: , — admin @ 8:59 am

I go over the HUD-1 First

Some notaries public start the loan at the beginning and go in the order that the documents are in. Ninja notaries call this following the order of the universe. But, other notaries public start with the HUD-1 Settlement Statement first. It is sometimes helpful to go over the most critical figures in the loan. That way if there is a problem, you will know at the very beginning.

On the other hand, you could call the borrower up before you leave your home and go over the numbers. That way you can stop a bad signing right before it even starts! That is sort of like reading the weather report online before you drive two hours to the beach. After all, do you want to go to the beach while it is raining?

One of our notaries public likes to go over the bottom of the 3rd page of the HUD and get to the really critical information first. To each their own. Just remember — either follow the order of the universe or follow your own inner order (if you have one). Good luck!

Think ahead — go over the HUD-1 Settlement Statement

Tweets:
(1) Some notaries start the loan at the beginning and go in the order the docs are in.
(2) You could call the borrower up before you leave your home & go over the numbers
(3) One of our notaries likes to go over the bottom of the 3rd page of the HUD & get to the critical info 1st.

Share
>

January 6, 2014

Can a Notary notarize a Will or Living Will?

Filed under: Best Practices,Loan Signing 101,Popular on Facebook (some),SEO — Tags: , , , , , — admin @ 12:11 am

To make it quick and simple — Yes, a Notary can notarize signatures on a Will, although it is generally discouraged unless given written instructions by an Attorney. Wills are normally witnessed, but not notarized. But then, why be normal?

Can a notary witness a Will?
YES, a Notary can witness the signing of any document. However, it is discouraged for a notary to be involved in any transaction as a witness or Notary where they might have beneficial interest or financial interest! If the notary benefits in any way from a Will being signed or is closely related to a beneficiary, they could be said to have beneficial interest. Anybody eighteen years of age or older who can sign their own name and watch someone else sign can be a witness to a will. It is that simple!

Can a notary draft a Will?
Document drafting might be considered part of the practice of law in your state. You can ask your state bar association if a Notary can draft a document, or if a notary can draft a legal document. The answer is most likely no. Unless you are trained and authorized, I would stay away from document drafting of legal documents since it is so sensitive!

Then who can draft a Will?
Ask an Attorney to help you draft a Will. Ask the Attorney if the Will should be notarized or only witnessed. The witnesses of the Will can also be notarized by the way!

What about a Living Will?
Living Wills are typically very long documents drafted by Attorneys who specialize in Health Care legal documents. Health Care Power Of Attorney documents are close relatives of Living Wills. Living Wills are typically notarized and often need a notarization in the middle of the document as well as at the end of the potentially dozens of pages.

Can a notary notarize a Living Will?
Sure!

How about a Dying Will or a Won’t? Or a Living Will that doesn’t have a pulse! I know a Notary who is dying to notarize a Won’t with or without instructions from an Attorney!

Tweets:
(1) Yes, Notary can notarize signatures on a Will, although it is generally discouraged w/o written instructions from an Attorney.
(2) Document drafting may or may not be considered practicing law in your state. Ask the Bar Association.
(3) The difference between a regular Will and a Living Will is that the latter has a pulse.

You might also like:

Can a notary sign on a different day?
http://blog.123notary.com/?p=2457

The lady and the handwritten Will
http://blog.123notary.com/?p=3609

Types of witnesses in the Notary profession
http://blog.123notary.com/?p=5664

Share
>
« Newer Posts — Older Posts »