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May 10, 2020

Notaries over 40 – a list of ten things that define your life

Filed under: General Stories — admin @ 9:42 am

I published another article called Notaries over 50. But, Notaries in their 40’s have issues too. Let’s look at those issues. Most Notaries are older people. That is why we do better on Facebook than Instagram, but that is a different issue. Notaries tend to be women, and tend to be in Real Estate or Lending. Roughly 90% of our Notaries are over 40. Here are some issues you might have in your 40’s if you are a Notary.

1. You burned out in your career and now you want a free-er lifestyle.

2. You are fine but your industry got burned out due to changes in interest rates or other uncontrollable events and decided to become a Notary.

3. Your kids graduated from High School, now you have some extra time and foolishly decided to become a Notary.

4. You got pregnant, and how you need a way to support your (illegitimate) children. oops. That is for Notaries in their 20’s — wrong article

5. Your friends either moved away, ignore you because they are devoted to their careers, or got married and focus on the family and never call you any more. Meanwhile your family is busy dying one by one and you feel more socially isolated than any other time in your life. God, being 40 something sucks!

6. You get a gallstone and seek help from a Chinese herbalist named Qiao. You can spell her name but not pronounce it unless you took high school Chinese and learned Pin Yin romanization.

7. You start getting dizzy for no reason and decide to drink more water.

8. You put more money in retirement than you spend having fun because having fun is no fun anymore now that all your friends have abandoned you.

9. You spend more time reading 123notary’s blog in hopes of enlightenment, entertainment and becoming a master of your craft.

10. You wish signing companies would pay you on time so you send threatening letters which works, but leaves you feeling empty inside thinking — why is life like this? Why can’t they just be decent human beings and pay me?

I hope you enjoyed my list of realistic things that happen as a Notary once you turn forty. Let me know if you have other things you would like to share. Perhaps I could use the comments to write another article.

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May 2, 2020

Can you ask a borrower if they have been out of the country?

Is it legal, ethical, or advisable to ask borrowers if they have been to a highly infected area recently such as Italy, Iran, China, South Korea, etc? Someone asked me this today. The answer is that you might get lenders mad at you.

The rate of infection in these countries is measured in infections per million and they are generally between 50 and 200 cases per million. So, being in these countries presents a very minuscule risk to the notary.

On the other hand, if a borrower exhibits Covid 19 type symptoms such as a dry cough, trouble breathing, etc., then you might be advised to stay away. I cannot advise on this as much of the transmission of Covid 19 happens with people who exhibit no symptoms.

Disinfecting the signing table, pens, cell phones, etc., makes a lot of sense. Having the signers wash hands thoroughly immediately before the signing is also a good idea. If they were a mask, that would be the icing on the cake.

I don’t know what you can ask or should ask without upsetting lenders and title companies. So, it might make sense to ask them.

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April 1, 2020

The Corona-Notary

Filed under: General Stories — Tags: , , — admin @ 8:22 am

People as of early March 2020 are beginning to get worried about the Corona Virus Covid19. The virus can last on surfaces for up to 9 days unless disinfected. But, what if an infected Notary spread the disease?

Once upon a time there was a Notary named Fred, or as I call him, the Corona-Notary. Fred went on a trip to Italy. Don’t ask me how he got there on a Notary salary. Let’s just say he had a rich girlfriend or father, or got a really cheap ticket. When in Milan, he contracted the Corona Virus. But, the disease is so mild in most people’s cases, that he didn’t even know he had it.

Since at this time in history, America was not testing that many people for the disease, this Notary not only did not know he had it, but went around spreading the disease.

He did five signings per day with a sniffle, and a cough. Every time he coughed, he covered his mouth, but then touched their table. Nobody suspected a thing except for one eccentric borrower who watched youtube relentlessly and knew to disinfect the table after the notary left. The Notary infected 150 houses per month over a course of several months and infected 2000 people single handedly or single stampedly.

Finally, it became known that many people were getting the disease and formal testing had begun. After extensive interviews with many of these people — the ones who hadn’t died yet, they learned that they all had one thing in common. They all had been notarized by Fred.

Finally the officials came to quarantine Fred, but by this time Fred was all better, but his borrowers were either grievously ill, (dramatic pause) or dead! So, the surviving borrowers were quarantined, couldn’t go to work, and hence couldn’t pay their mortgage. Their houses were foreclosed upon and they lost everything. And to whom did they owe this pleasure? To the Corona Notary.

But, given the fact that by this time in the Covid-19’s development, countries outside of China were not already testing everyone with symptoms, and also testing people who came into contact with infected people, it seems that government policy is more to blame than the Corona Notary.

Thus ends the charming story about the Corona Notary. The moral of the story is — disinfect surfaces regularly. Use hand sanitizer and wash your hands with soap regularly, and most of all, beware of sneezing notaries.

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March 28, 2020

Coronavirus – childish understanding of the pandemic is dangerous

Filed under: General Stories — admin @ 9:19 am

I am trying to share some thoughts on Twitter about Covid-19, but I am met with hostile and childish responses. Even the politicians are thinking unrealistically about this. My responses are misunderstood and attacked. How do you reason with people who aren’t logical? It seems futile, but the future of the American economy or life in this nation depends on it.

Here are my predictions.

(a) Covid-19 will infect 100,000,000 Ameriicans more or less
(b)10,000,000 will likely be “registered” officially as infected as most cases go undetected.
(c) 15% of detected or “registered” cases end up with some hospital time, but the duration is not well documented.
(d) Roughly half of hospitalized patients for covid-19 end up dead within perhaps a week to several weeks — in China many cases have dragged on for months.
(e) 6 million people will die in the usa from this disease this time and 15 million will need to be hospitalized over the course of six months.
(f) It is likely that up to 4 million people will need to be hospitalized at the same time. The military and FEMA are able to create this type of capacity, especially if they use ships and trains which are good because you can move sick people to places where there are more doctors and staff.
(g) Lock downs do not end the disease, and it doesn’t matter if you lock down early or late. The fact remains that lock downs cost the USA about 1 Trillion per month at least and that the minute you stop locking down, the disease will catch up to where it was in a month or two depending on how long you locked down.

ILLOGICAL THINKING
People scolded me on Twitter for suggesting that the economy was more important than the lives of humans. I merely said that sacrificing the economy permanently to temporarily delay people’s death did not seem like a good strategy. In the minds of childish people, their philosophy is often:

CHILDISH PHILOSPHY
Death is bad; Lock downs fight virus & prevent death; Therefore lock downs = good. Additionally, we should SCOLD those
who in our opinion value money more than life.

MY PHILOSOPHY
Death is bad; Having a broken economy could cause complete anarchy making the USA unlivable and unsafe to walk down the street without the fear of being beaten, robbed or raped. A broken economy leads to death.

COVID-19 also causes death. Delaying deaths from Covid-19 does NOT prevent death, but only delays death unless a vaccine comes fast. Lock downs don’t prevent death. They only delay disease caused death. But, extended lock downs could cause the death of the US economy which could cause problems that nobody can even imagine. If you don’t believe me, take a closer look at what is going on in Venezuela or bankrupt African nations where anarchy reigns, villages get massacred, and five year olds are given guns and forced to join militia death squads. That could be the future of America if we break our system. Freedom and constitutional rights can also be ended, and in my opinion already have been due to the shut down. The equation is a lot more complicated than the dummies who rudely criticize my points of view on social media.

REALITY OF VIRUSES
Viruses do not just go away on their own. If a critical mass of people gains immunity, or weather changes make transmission difficult, then the virus might just go away. Lock downs in china resulted in a dramatic reduction in active cases. However, now that China is opening up, people from other countries who are visiting them are reinfecting their communities which completely undermines the effort and self-inflicted economic damage the Chinese did. They could be reinfected to the level they were two months ago in just — two months. So, in order to combat this disease using lockdowns, you would have to lock down forever.

The other reality is that in my opinion 6 million will die in the USA. If we flatten the curve using shut downs, then those people instead of dying in six months, will die over a period of time. In theory, if we flatten the curve too much, we might have 10,000 people dying per month over a period of 600 months which would be 50 years. Some idiot on Twitter says that there is no evidence that the disease will last 12 years (I used 12 years in a mathematical hypothetical situation online) and I agree that there is no evidence how long the disease will last. But, with artificial means to limit the disease it could last for years — probably not 50 years. We could flatten the curve and have 100,000 people die per month and then the deaths will take place over 5 years to reach a death toll of 6,000,000 according to mathematics — once again a hypothetical analysis not based on reality.

The bottom line is that many people will die, and using shut downs, we can control how fast they die. At the rate society is willing to let people die –perhaps at a few dozen per month, we will be locked down forever, the disease will never be eliminated since we will have been prevented from gaining immunity, and our economy will grind to an irreparable hault.

Dummies and childish thinkers don’t think the American economy will grind to a halt and think that the economic problems are just temporary. Right now they are temporary, but could become permanent. The Great Depression took 16 years to fix, and if it weren’t for WW2, it would not ever have been fixed. I am speaking in terms of reality and historical precident here.

Shut downs do not prevent death — they just delay death and do long term damage to the economy and people’s life. We may not have a nation if this continues. Nations depend on taxes, money, and credit and if you ruin your credit you can’t perform functions as a nation. America cannot function without a payroll for the military, social services, infrastructure, school, medicare, etc. If you break the system to delay a disease the entire nation could dissolve and cease to be a nation. We would be left with 50 bankrupt states and a nation of paupers which is exactly what my guru prophecized twenty years ago. I am afraid that his prediction will be coming true faster than I thought.

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March 25, 2020

Testimonial from Peggyann about our blog

Filed under: General Stories — admin @ 8:38 am

Life just has a way of getting busier and busier and I have been meaning
to drop you a line to let you know how much I personally appreciate all
the articles you take the time to send. I schedule half an hour every
evening to click on links and read. I recently mentored a new Notary
and I shared some of the information with her, hopefully she will sign
up with you. I have been doing signings for years but there is always
so much helpful information and REMINDERS that you share with us. I
thank you so much!!!!

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March 20, 2020

Covid19, Panicking, and the Notary Industry

Filed under: Drama & Tragedy — Tags: , — admin @ 8:17 pm

It seems that the Covid 19 virus is hitting America. The numbers keep changing fast as we are testing more people. Honestly, America had two and a half months to prepare for this outbreak and moved slowly. The President downplayed the danger of the disease as well which is dangerous in itself. Now that the disease is off the leash in America, we are starting to realize that perhaps we should learn from particular Asian countries on how to get a handle on this problem. Testing likely suspects in mass is a big part of it. But, what about Notaries, what should your concerns and actions be?

Be Prepared
It is a problem that people are panicking. This results in unstable business decisions. It also results in stores being sold out of face masks (not a problem in my area yet), hand sanitizer, paper towels, bottled water, and water filters. It makes sense to have a supply at home because these items sell out quickly. I was lucky and got some paper towels and water today which is March 10th although I might not publish this article for a while.

The Stock Market
Stocks are plummeting in value. I understand that cruise and airline stocks should lose some intrinsic value due to this disease. But, banks should not be too affected by this problem, yet their stocks are dipping just as badly as airlines. Even Coca Cola which is a very stable company has lost a lot of ground and they are one of the most stable stocks that exist.

Your Behavior
I heard that the refinance marked spiked and then the phones stopped ringing in the last few days. Interest rates are low and could get lower as the global economy is slowing down due to the disease and due to the trade war between the USA and China. This means more refinances. However, if people are afraid to go to work or leave the house, that means there might not be any business for Notaries. Very few people are infected in America at this point and it does not make sense to avoid leaving the house at this stage. Once we get into late April or May then it might be a much more serious situation and you might face immediate risk.

The 18 Month Rule
Some people have decided to shut down schools or not go to work. Newsflash – pandemics like the Spanish Flu, Swine Flu, and Covid 19 typically last 18 months or longer. So, if you have decided that shutting down your school or playing hookey on work makes sense, ask yourself if you can afford to continue that behavior for 18 months. Sure, if there is an acute outbreak in your particular area, then cancelling school makes sense. But, now, there are only three areas in the USA where it makes sense to cancel school.

The Elderly
If you are 60 or over, or have a lung condition it makes sense not to get on an airplane, cruise ship, go to the movies, go to a convention, or be anywhere where you will be in close proximity to large quantities of humans, especially if the ventilation is anything other than clean air.

My recommendations
I am not a doctor, but I think stocking up on some food and supplies makes sense at this point because the shelves at your supermarket could end up stripped bare at some point. It makes sense to wash your hands regularly with soap and disinfect surfaces in your house regularly. It makes sense to avoid crowds if you can. But, you need to go to work unless there is some pressing reason why you wouldn’t. If you are sick, elderly, or there is an outbreak in your city you might stop going to work for a while. If you are able to work from home that is great and recommended. But, if you have to work at an office, take some vitamin C and hope for the best. You can’t just end your life before it is over.

Loan Signings
Don’t be afraid to do loan signings. There is a chance that the signers could be infected, but a very small chance at this point. Stay six feet away from them and make sure they don’t sneeze on you. Disinfect the table with wipes or lysol. You might check with the borrowers by phone to see if they are coughing or sneezing. Take some vitamin C and garlic and hope for the best. We cannot just shut down society at this point because there is a tiny risk of exposure.

What should the government do?
We should test all those with symptoms in a very efficient way. We should test all that have come into contact with diagnosed individuals. It might also make sense to test all who live in areas with high rates of infections. There is a pecking order for who should be tested. Because if we don’t identify individuals who have the disease, we will eventually have to quarantine all of society at least in particular areas which will be devastating for the economy.

Summary
It is unclear how this disease will affect the notary industry. Personally, I think it will help us with loan signings, and I think the danger to Notaries doing signings is minuscule. Even if your a borrower from time to time has the disease, you are not likely to get it if you take precautions. Continue living your life and take necessary precautions unless you are elderly or have lung issues in which case — alter your life now!

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March 19, 2020

How will the Covid-19 virus affect the Notary profession?

Filed under: General Stories — admin @ 8:22 am

As of March 8 2020 I am very bothered and obsessed with the spread of this very contagious and dangerous disease. My concern has turned to paranoia not just of the disease, but fear of the panic that is growing nationwide. People are not traveling as much. Additionally, many people are considering working from home. Concerns about touching elevator buttons and surfaces in public places are rising.

The disease has interrupted global trade with China being worst hit. China seems to be recovering from this epidemic, but it seems that they cannot fully recover. Here’s why: If China gets rid of every case of this disease, they would have to quarantine the rest of the world from coming to China to keep case-free. The problem with that, is that their international trade would have a huge damper on it as a result.

To combat this disease, China had to shut down massive portions of their country for weeks. If the disease continues to spread in the USA, and there is not much preventing it from doing so, America might have to shut down major cities as well. If that happens, then an economic slowdown will occur in the USA. If economic slowdowns in other countries happen, that will also affect the US economy.

Additionally, if China gets rid of the virus, but the virus comes back to China, they could have outbreaks all over again and have to do more quarantines which would devastate their economy.

The bottom line here is that it seems inevitable that there will be a US and global economic slowdown. This leads to decreased interest rates which are already in effect, and that leads to more homeowner refinances. More refinances for private individuals leads to more jobs for Notaries and more money for 123notary. After two slow years, I am happy that we can benefit from the misery of others. I would prefer to benefit from the happiness of others though, but that doesn’t seem to be an option. After all, Trump brought happiness, at least to the gun and pick up truck people who go to church every Sunday. The economy got better, and 123notary’s income went through the floor. We tend to benefit more during bad times and did better under Obamacare. Happiness just doesn’t cut it around here. I really don’t understand how the world works, but Notaries will probably prosper in 2020 as long as they dare leave the house.

As for me, I am stocking up on canned corn if I can find any. Stay happy!

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March 17, 2020

Coronavirus – how it affected me and my recommendations

Filed under: General Stories — Tags: , , — admin @ 6:10 am

Since I work from home and have savings, I don’t think I will personally be too badly affected by the Coronavirus.

But, today, I was subjected to a rude awakening. Public schools, universities, bars, clubs, restaurants, etc., have all been closed other than for restaurant take out. The restaurants were functioning at 10% of capacity when they were allowed to have dine in guests. However, in other parts of California the restaurants are still open based on a conversation I had using my fluent Mandarin Chinese (thank you, thank you, you may applaud… okay, that’s enough applauding.).

At Whole Foods, they were out of almost everything I normally get. I had to get chocolate flavored hazelnut milk rather than my usual vanilla almond milk. Unfortunately I use the milk with cereal and juice and was not sure how the chocolate would mix. It mixed well with Cherry juice which is one of the things the supermarket actually had in good quantity.

I invented the term Frankenstonian that is kind of like Draconian, but involves more “experiments” done with a German accent and the announcement, “It’s alive— ya!”

I got to see what other supermarkets are like in my quest to find toilet paper and wound up finding a far superior brand of pumpkin pie.

But, I was so sad walking around thinking of all the laid off bar tenders, waiters, and airlines staff that I actually almost started to cry. I was so depressed.

So, it hasn’t been all bad. But, here is my view on the policies.

COVID-19 is like a tsunami.
The “experts” say they are trying to reduce the height of the tsunami of infections by introducing draconian measures to create social distancing. I agree with social distancing if it can be done in a way that doesn’t cripple the economy which will have a domino effect and could land us in a depression or broke as a nation. The reason we are in this problem is that most countries including the USA do not have enough ICU rooms or ventilators. Why are we realizing this now? In my opinion, wars, earthquakes and disease outbreaks happen on a regular basis and therefor we should have locations for makeshift hospitals and RESERVE WORKERS for hospitals just like the military has. America is always ready for war, but never ready to take care of its citizens.

So, the strategy is to do permanent damage to children by hampering their education. Kids are dumb enough as it is with school, imagine how dumb they will be missing an entire year. We are taking two weeks off as a precautionary move. But, two weeks later nothing will improve, but lots of damage to the economy and lots of frustrated people, and lots of dumb kids. The tsunami is still coming, delayed perhaps by a few days, and its height will be far above our capacity to deal with it even if we delay it.

The damage from the tsunami is bad enough on its own, but now we will triple the damage by ruining our robust economy because we can’t control a tiny little virus with all of our technology and medical knowledge. Unbelievable. Am I supposed to put my faith in science after all of this nonsense?

My Recommendations for “dealing” with Covid-19
1. Have manufacturing plants for respirators, masks and Purell working 48 hours per day (if that’s possible)
2. Use prefab buildings and create a makeshift hospital near an airport or on a military base.
3. Create an army of reserve medical staff who are somewhat skilled in handling emergencies.
4. Let it rip – then we will have the mechanism to treat the ill and all of these quarantines will no longer be necessary.

I think at some point we need to let nature take its course. The angels want to do a cleanup of some of the negative spiritual forces in the planet, and outbreaks are one of the ways they do it. Personally I think they should use bolts of lightning. But, in a candid interview with an angel recently mentioning the lightning, the angel replied, “Nah, that’s old school, we prefer infectious diseases — that’s what’s in now. Thousands of people get infected, but we decide who will die. With lightning, it’s too hard to aim, plus you can only use it when people are outside in thudnderstorm.”

In the mean time, back to my chocolate hazelnut milk. That stuff is so good, that I am not minding this emergency of epidemic proportions as much.

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March 11, 2020

Nice comments about 123notary on our blog

Filed under: General Stories — admin @ 8:17 am

Comments that were nice about 123notary

Mayra
I personally really like 123 notary. The contacts I get from here tend to offer more reasonable pay than on Snapdocs. Plus it’s just nice to get contacted via phone call instead of an automated message sent out to dozens of people.

Bethany
The wealth of knowledge I have received from 123 Notary’s blog is worth it’s weight in gold! The standards make 123 Notary a cut above the rest. Venting notaries is something every company should do.

Brenda
I would love to know what you think about this name:
Around the clock mobile Notary

Jeremy’s comment
The name has a nice ring (even though it is not an alarm clock). It would be ironic if your answering machine said, “Around the clock mobile notary, sorry we’re closed.” It is a good name. You get my approval.

Charlton
Jeremy, I’d like to get in on the free training mentioned in this blog. I looked for a means to do that the other day but wasn’t successful. Can someone send me a quick note on hos to get that going?

I find 123Notary is indeed well regarded. It was one of the top two groups recommended to me by a mortgage broker operating with multiple lenders US wide while he was in California, Nevada, Oregon and Ohio.

Jeffrey

As always your blog provided me with tons of good nuggets! Thank you for sharing and caring about the business!

Deborah Planet

I think of Jeremy as a businessman that cares!
I appreciate 123 notary

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March 9, 2020

Positive feedback about 123notary

Filed under: General Stories — admin @ 7:46 am

Jill Bernhouse
123Notary is my go To! I have gotten steps above work a thousand fold from your site vs snapdocs. I heartily agree. Certainly less faxbacks too. I love 123Notary! Thank you Jeremy. At the outset of the New Year, I give thanks for you and plan to get a higher position this year.

Dan
Listen, Title companies from Miami to San Francisco and Seattle Wash to New York call me from. 123Notary .com . Very often you can’t get paid from SnapDocs. Good luck! With them. I won’t sign up with that company as too many notaries got cheated out of their just fees. They don’t care or give a damn!

Mike Jagur
You must have a lot of pride in writing quality content. I’m impressed with the amount of solid information you have written in your article. I hope to read more.

Adam Richardson
I love reading your blogs. Always helpful.

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