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November 26, 2015

The Stolen Loan Package

Very rarely do we hear of loan packages getting stolen, but it does happen. One of my assistants was on the phone with a client who told her a horror story. Normally, we think that Fedex drop boxes are for dropping packages. However, if you read our blog article entitled, “Don’t Put the Fedex in the Drop Box” you will know better. Aparantly, the Notary put several packages in various drop boxes. Two made it where they were supposed to go while one got stolen. Someone got into one of the Fedex boxes and stole the contents. We heard that the combination for the drop boxes was the same for drop boxes in particular areas. I heard that after the theft happened, that unique combinations were created for all drop boxes on the same routes, etc. I cannot guarantee that I have my facts correct as this is all one big story I heard from someone — but, it’s an interesting and dramatic story.

Take your Fedexes to staffed locations if you value your career!

You might also like:

Should you send the Fedex right away?
http://blog.123notary.com/?p=16166

Don’t put the Fedex in the drop box
http://blog.123notary.com/?p=2831

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November 5, 2015

Have you ever been tempted not to go into a borrower’s house?

We are all under pressure to make a living and please our clients. But, sometimes you have to use common sense as well. Notaries are called to do signings regularly. You don’t know the condition of the house or neighborhood until you get there.

If George Carlin were a Notary, he would say that going to notary jobs in decrepid homes makes you feel good twice. When you accept the notary job you say, “I’m making money.” When you open the front door and run for your life you get to feel good a second time and say, “I’m saving my life!”

By the way, how’d you like to be a leftover? If they were taking people out to be shot I wouldn’t mind. I might even volunteer! Sorry, my childhood memories of Carlin’s tape stuck in my brain I guess.

Anyway, we have a story about a notary who knew Carmen. This took place years ago. She went into a house that was so filthy, she contracted a serious bacterial infection and had to be quarantined in the hospital. It was like having Ebola. It was called Legionaire’s disease and it was life threatening.

Other times, the house has rats, or other unclean animals running around. Sometimes it is the humans who give you the creeps. Carmen did a job years ago for some guy with long toe nails. Every time he walked around you would hear the click click click of his toenails.

Don’t feel bad by refusing to go into a house. You might be saving your life, sanity, or well-being. Just Google your nearest Starbucks and request that the signing is done there.

.

You might also like:

The lady and the handwritten will (her house was a complete mess)
http://blog.123notary.com/?p=3609

Borrowers and their filthy homes
http://blog.123notary.com/?p=2214

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February 16, 2013

Why Notaries Don’t Last

Filed under: Drama & Tragedy — Tags: , , — admin @ 11:59 pm

Why Notaries Don’t Last: DO Something

Some of our notaries invariably give up because they are tired–or get tired because they have given up–on themselves. They seem to feel that just being listed on a database–without really trying to say anything intriguing in the Notes section or give any details on why they should be hired over other notaries–is all they have to do. Then, they have a few companies who pay them too little, ask them to drive too far… or do not pay them at all.

One notary whose Notes section says virtually nothing reported he does not get any work– or does not get paid when he does take on work! He told me, “I have become a target for morons. Everyone who calls me wants me to do a job 100 miles away for next to nothing.” Well–if he takes the job–and continues taking jobs from a company that does not pay him–just who is the moron?

A top title company owner recently told me, “I like it when notaries tell right at the beginning of their Notes how many loans they have signed. Years as a notary does not tell me how many loans they have signed or anything about them.”

I understand that inexperienced notaries must start somewhere, and do not feel they have anything to say to promote themselves. But be pro-active and look at a few other listings to see what notaries say in their Notes sections. Don’t just sit there, waiting for the phone to ring. YES: companies DO read your Notes…particularly the opening lines, which become the thumbnail for the search results. The best companies will not hire a notary who has errors in the Notes, by the way. Also, if all you say at the beginning is “Hi, my name is Benny,” you are wasting good space. Open with your # of loans signed and follow with a description that will make me want to call you. Tell us about your technology, memberships, and degrees. Read on.

A few tips to avoid burnout or getting burned:

> Think about whatever there is in your experience and background that makes you detail-oriented, reliable, and punctual. Tell us THAT–instead of just listing adjectives. For example, if you have a degree or experience in accounting– Say! For example: “MA in Marketing, 10 years in accounting: I prepare every loan as if it were my own tax return.”

> Update your Notes and # of loans signed frequently. As you gain experience, take a look at your Notes. Add any degrees or info that would help someone choose you.

> Find a few companies to write positive reviews of your notary work. Companies trust notaries with a few reviews. If someone has hired you–let that company write a brief review, and use that review to get more work. Or maybe someone you did a routine notarization for will write a review. Right above your name on your notary page is the link to send someone to write a review. Reviews work: http://blog.123notary.com/?p=3902

> Get the 123 certification. Companies know our test is timed and focused, and you will get more calls if you are certified plus have good Notes…and a few reviews. This is just what the stats show about who gets work on 123notary. Those who get our certification move way ahead quickly. It’s just a fact.

> USE 123notary to the max: in the upper right corner of the home page, there is a link you can click on: signing company lists. Check out which ones have good reviews and PAY well…and market yourself to them after you have updated your Notes. You will be pleasantly surprised.

> If you are doing all these things–you will have much more confidence on the phone when someone calls you.

Take a few hours a week and try at least one of these strategies. Before you become bitter because no one calls you or pays you– take a look at what you can do to stand out.

.

You might also like:

Experienced notaries are being weeded out of the industry
http://blog.123notary.com/?p=16747

Best blog articles for advanced Notaries
http://blog.123notary.com/?p=14736

I’m a high end notary in a low ball world
http://blog.123notary.com/?p=22263

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August 17, 2012

Stealing a Business Name

Stealing a business name 

One of our notaries was accused of stealing someone’s business name.  The notary went to a signing and said she was associated with some other gentleman with a particular name. I don’t remember the name, and would be confidential in any case.  The client was having some paperwork notarized that would be used to register a company name in Wyoming
 
I couldn’t figure this situation out, so I emailed the client, and they said that the notary name was registered the next day by the friend of the notary, but not the notary themselves.  They registered his business name before he could register it.  Why would someone go out of their way to steal someone else’s business name?  This poor client had already printed out business cards and mailing labels with his future business name, and now he couldn’t register it.
 
What a sad story.  The moral of the story is don’t print your cards until your business name registration is complete.  Someone else can register that name up to seconds right before you attempt to!!!

Notaries are encouraged to register their business names, and get a business license. Notaries with official business names get considerably more business than those that don’t have a notary business name!

Tweets:
(1) One of our notaries was accused of stealing a signer’s business name right before it got registered!
(2) One of our notaries registered a clients’ business name 24 hours before the client went to register it.

You might also like:

Compilation of posts about notary business names
http://blog.123notary.com/?p=21760

Funny sounding business names: Grandma’s notary service & more!
http://blog.123notary.com/?p=4231

Notary business names
http://blog.123notary.com/?p=2302

Business Cards for notaries
http://blog.123notary.com/?p=36

Business Licenses
http://blog.123notary.com/?p=742

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June 11, 2012

20 stories about animals at signings

Filed under: Pets at Signings — Tags: , — admin @ 3:40 am

20 hilarious posts about pets & animals
Dogs, cats, snakes, cockroaches, and neighbors (classified as pets for the time being).
These are all time classics on our forum and blog. Tell us which ones are your favorites!

Wolf Dogs at a signing
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5297

The cat jumped on the keyboard
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5294

Neighbors and signings, what can go wrong
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4732

A dog falls asleep on a notary’s briefcase
http://www.123notary.com/forum/topic.asp?TOPIC_ID=5234

The dog peed on me and the docs
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4524

A signing with Corky the dog
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4530

The woman and the shoe
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4521

Farmyard signing
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4520

Cockroaches and more
http://www.123notary.com/forum/topic.asp?TOPIC_ID=2741

Pets at signings
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4041

Humor at signings
http://www.123notary.com/forum/topic.asp?TOPIC_ID=950

The cat lady
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4531

Funniest signings from facebook
http://www.123notary.com/forum/topic.asp?TOPIC_ID=4094

Pets and signings
http://www.123notary.com/forum/topic.asp?TOPIC_ID=955

Checking for Pets in my bag?
http://www.123notary.com/forum/topic.asp?TOPIC_ID=224

Funniest things that happen at signings
http://blog.123notary.com/?p=55

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February 6, 2012

Fraud & Forgery related to the notary profession

Fraud and Forgery in the notary business 

There are many types of fraud that a notary might run into in their notarial career, forgery being one of the more common types of fraud. But, let’s take a closer look at what specific types of things could happen.
 
(1) Someone could forge your seal and pretend to be you.  It happened to me.  Unfortunately for them, they didn’t forge my signature very well, and didn’t copy my style of embossing every page either.  Putting technicalities aside, I bet they were not able to forge my quirky sense of humor either.  Notary seal forgery is not common. In my case, I think they used a really good photocopier.  BTW, a photocopier can NOT copy the RAISED impression of an inkless embossed seal which is why I used it on all of my notarizations.
 
(2) Page swapping — the old bait and switch routine.  I got called to notarize many multi-page documents. I put my embossing seal through all of the pages leaving a raised impression on each page.  I usually did these individually. Sometimes it is better to do all pages together so the seal goes through the same location in each page.  However, the seal comes out more clearly if you go page by page.  In any case, if you see a ten page document where all of the pages EXCEPT for page four are embossed, that would raise my eyebrows.  I have had many situations, where the signer wants me to give them another acknowledgment certificate for a new page they are adding to the document. I tell them that I have to notarize their signature ALL OVER AGAIN, and that is the law no matter how many times you say, “Oh, come on”.  With that attitude you might as well notarize your own signature as a non-notary!
 
(3) Title companies have a common practice of initialing for the borrower if the borrower misses an initial. It is “easier” than sending the documents back to the borrower.  Whether it is signature forgery to forge initials is a matter for an attorney to decide, but it seems pretty illegal to me to engage in initial forgery. I don’t think that anyone audits loan documents to see if anyone is engaging in initial forgery, but perhaps they should — many Title companies might get busted or investigated at a minimum.
 
(4) Refusal to be thumbprinted?  You must be up to something if you don’t want your thumbprint recorded. Maybe you have a fake identification card, right?  You can fake an ID, but you can not fake a thumbprint.
 
(5) Signature forgery.  If someone forged a signature on a document, they will have to have a fake ID and forge the same signature on the ID and in your journal. It would be a tough crime to pull off. I think that nobody in their right mind would attempt this.  Normally, people try to do crimes of fraud in private, and wouldn’t be willing to let other parties see what they are doing, no matter what!
 
(6) Notarizing out of state?  If you don’t have a commission in a particular state, you can not notarize there, with a few exceptions. Military notaries have special rules. A Virginia notary public may notarize out of the state of Virginia, but only for documents that are to be recorded within the state of Virginia. In any case, from time to time we will hear rumors that a notary public is operating illegally in a bordering state where they are not commissioned, and people want us to enforce the rule. I tell them to report the individual to the state notary division where the Notary in question is commissioned.
 
(7) Charging more than the state maximum notary fees is illegal, and charging more travel fee than your state allows (roughly eight states have restrictions for travel fees) can get you in trouble too.
 
(8) Filling out an Acknowledgment or Jurat form when you never saw the signer and never had the signer sign your journal is a really serious act of notarial misconduct.  You can lose your commission and get fined or jailed for this.

You might also like:

Backdating from A to Z
http://blog.123notary.com/?p=2424

Notarizing multi-page documents
http://blog.123notary.com/?p=21423

Penalties for notary misconduct, fraud and failure of duty
http://blog.123notary.com/?p=21315

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June 17, 2011

Notary in Louisiana murdered in home invasion

A Louisiana notary on our database was murdered in his Louisiana home by an armed gunman in June 2011.  Two adult residents and a three year old were at home cooking gumbo when a young man aged 19-23 entered the house and opened fire.  One of the residents covered the three year old with his body to protect it from gunfire.  That resident named Keith Hamilton was shot, but lived after a brief stay in the hospital.  The other resident, who was a well known Louisiana notary public and loan signer named Anthony Wilmore was shot twice in the chest and lower back and died.

Anthony has been listed on 123notary for several years now on our Louisiana Notary search results, and it is very sad and tragic to learn of his untimely death.  We have never had anything like this happen to any of our members before.  We have had members fall victem to cancer, hurricanes, earthquakes, and fires, but nobody died so suddenly like he did in such an unusual situation.  Most notaries are afraid of going to someone else’s house who might be psychotic, but this notary got into trouble staying at home cooking dinner!

Anthony lived in Orleans Parish in Louisiana in New Orleans.  That is a city that is filled with a festive energy, great food, great music, and great people.  Unfortunately, tragedy seems to hit that city on a regular basis.  Hurricanes, oil spills, high unemployment, and a high homicide rate as well plague the area.  I visited New Orleans briefly and enjoyed it thoroughly. Luckily, my four days there didn’t permit me to see anything tragic other than the aftermath of their hurricane.  The only reminders visable were the waterline on some of the houses that was still there. The damage had all long been cleaned up when I got there.  I have been told that some of the better restaurants relocated to Baton Rouge as well.

We grieve for Anthony and those who were close to him.  For the other notaries, I hope that nothing like this ever happens again.  Cancer, strokes and heart attacks are common killers of notaries though. So, please take lots of antioxidants, exercise, eat healthy foods, and see the doctor regularly.  Most of these health issues can be detered with a healthy lifestyle.

Tweets:
(1) A notary in Louisiana was murdered in his home by an armed gunman while he was cooking gumbo!
(2) The housemate of the notary threw his body over the 3 y/o to protect him from the gunfire!

.

You might also like:

Murder in a building a week before the signing
http://blog.123notary.com/?p=19272

Attorneys bullying Notaries – when does it end?
http://blog.123notary.com/?p=19383

I’d rather stop being a notary than carry a gun
http://blog.123notary.com/?p=15896

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April 24, 2011

Jury duty vs. human trafficking – they are more similar than you might think

Filed under: General Stories — admin @ 9:26 am

When we think of jury duty we think of doing our duty to our country in order to ensure one of the facets of due process in that we provide the opportunity to a defendant to have a fair trial that is free of bias, partiality, and prejudice. The down side of the way jury duty is practiced in the United States is that in order to ensure the rights of the accused, regular citizens are stripped of their freedoms for an indefinite period of time while they are trapped in long and arduous court cases — and often without financial compensation other than $15 per day which does not even cover lunch or a cab fare.

However, upon further and closer inspection it seems that jury duty is not only a sacrifice of the juror’s short-term rights for the benefit of a defendant, but much worse. Jury duty has many parallels with human trafficking and actually meets the definition of human trafficking to a T.

HUMAN TRAFFICKING
Human trafficking can be defined as the transport of human beings from one location to the other in order to perform forced labor or sexual exploitation. Although it normally includes various other types of abuses as a matter of practices, those other abuses are not part of the definition.

JURY DUTY
Jury duty involves what I call “self-abduction under duress” as a primary stage of the process. This means that a jury member or prospective juror forces himself into a vehicle of some sort because he or she realizes that he/she will face a $1500 fine or possible incarceration if he/she doesn’t comply with the request made in writing by the court administration. The mafia also makes threats when they want you to do something. They threaten you with physical harm or threaten to harm loved ones or your possessions. Maybe the supreme court is more similar to the mafia than we think.

Jury duty involves the transportation or trafficking or “self-trafficking under duress” of jurors or prospective jurors from one location to another (home to a court building) for the purpose of forced labor in the form of decision making shoddily performed intellectual labor. The irony is that most jurors do not have the intellectual capacity nor care enough about their cases to give the defendant a fair trial.

Here is a satirical line from one of my comedy routines:
“Your honor, I believe that jury duty is similar in essence to human tracking. Both involve the transport or self-transport of individuals from one location to another for the sake of sexual exploitation or forced labor. I am relieved that I am here for forced jury related labor and not for sexual services because quite frankly your honor — you’re not my type.”

LEGAL QUESTIONS
Kidnapping is the unlawful abduction, transport, and holding of a person against their will. But, is it lawful for the court system to hold people against their will in a court room? If a juror does not complain about being there it does not appear that they are being kidnapped. But, what id they do announce that they do not consent to being strong-armed into staying there? Denying a person their freedoms as a law abiding person is a violation of their human rights. Is it legal for a court to cheat you out of your human rights? Is holding someone in court against their will hostage taking, kidnapping, or none of the above? I am not an Attorney and don’t know, but it seems that a lot of these accusations are up to interpretation.

EXCESSIVE WAITING
Since America has a policy of offering a public trial by jury to criminals and also sometimes for civil trials, that necessitates having a jury. Whether the jury is assembled by paying them, giving incentives, or forcing them to come under duress seems to vary. But, putting aside whether jurors are consensually performing their duty or paid is one issue — whether they should be allowed to be required to wait for five hours in a room doing absolutely nothing is a very different consideration.

Imagine a brain surgeon whose time is worth $2000 per hour is summoned (or as I call it “drafted”) to do jury duty. But, all he does is sit in a room all day long. That is a gross waste of the individual’s time. And that waste is justified because the law stipulates that a jury needs to consist of a cross section of society. But, to get the higher level members of the cross section of society, is it fair to waste $1600 of their time having them just sit around? That seems criminal to me, yet society in its incompetence allows this.

The duration of trials is another point to be considered. Some trials go on and on and on with new evidence and witnesses being called in slowly day after day. If you have a critical job, you will get very behind while you are trapped in a court room which could affect your co-workers, boss, and customers. It seems that there should be limits as to how long a trial should last. It also seems logical that those with critical jobs be put on shorter trials. The courts used to honor hardship, but these days they do not which is dangerous.

Personally, I feel that for smaller cases, there should be an option to have a very quick trial where all witnesses come at once, there is almost no waiting time, and you get in and out in a few hours. Jury selection is another topic that takes time. But, a pre-selection could be done online or over the phone to see what a juror’s prejudices are which would help the court choose what type of case to put them on.

I wasted two hours in a court room where a police man was on trial a few years ago. I spent five hours waiting in the waiting room, then spent two hours in a court room only to find out that they couldn’t use me, perhaps because I mentioned having had several bad experiences with Los Angeles Police Department members. If my style of jury preparation had been used, all of the screening would have happened by phone the night before and they would have picked a nice short trial the next day for me to go to with no waiting time. Efficiency saves a lot of money, but the court system is government run and therefore not very good at erring on the side of efficiency.

I hope that my article was thought inspiring. I am very frustrated with having to do jury duty. I like being on a jury, but cannot stand being virtually kidnapped by the court system and than having my time wasted. When bank robbers rob a bank and then find themselves surrounded by the police, the hostages in the bank do very much the same activities you do on day one of jury duty — namely sitting in a room for hours on end doing absolutely nothing — oh, and having to ask permission to go to the bathroom.

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April 19, 2011

Judge Duty vs. Jury Duty

Filed under: General Stories — admin @ 9:27 am

Once upon a time there was a mean judge who never gave jurors a break. Many of the jurors on his cases had hardships meaning that nobody could replace them at work or that they didn’t get paid for even one day of jury duty. He caused so much suffering to so many people and didn’t even care. But, one day his luck changed.

The judge woke up in the morning, went to the kitchen to find a little box of chocolates on the kitchen table with a note. The note said that some people needed his help in Mexico to decide on a disagreement between cartels. He would receive instructions later. Someone had picked the lock and quietly entered, turning off his high-end alarm system somehow and getting out without making a sound. Obviously the work of seasoned professionals.

The next day when the judge went to work he noticed some shady looking people walking slowly through the neighborhood. He called the police, but the police informed him that they were not in fact committing a crime, so they could do nothing. That night he got a phone calls from a man with a Mexican accent telling him that he should get up early tomorrow and await further instructions.

By this point the judge was terrified and called the police again. But, the police said that no crime had been committed and that there was no evidence of a break in and no fingerprints either.

The next day, the judge woke up to find his car was missing, but there was a brand new Cadillac SUV in his driveway with keys on his kitchen table. There were instructions to drive to a particular municipal airport and not to call the police, otherwise there would be trouble. Fearing for the safety of the wife and kids he did what the instructions said and drove to the airport. From there he was escorted onto a small plane that flew into Zacatecas province in Mexico.

He was to do a quick trial between the Zacatecas cartel and the Sinaloa cartel. They ad a disagreement over money that would lead to a huge shoot out if not resolved quickly. The cartel guys who hired him informed the judge that although this is inconvenient for him, it will greatly benefit society if he provides his service. The judge agreed although he didn’t want to be there.

The judge was given free hotel accommodations courtesy of his contact person Juan who was very polite to the judge. Meals were provided by Juan’s sister Carmelita who made the best tamales in Zacatecas. But, tamales were not for free. They charged the Judge 32 cents per Tamale. Juan explained that at court snack bars, the jurors are not there by choice, but at least they get snacks for a reasonable price so he would extend the same courtesy to the judge.

The next day, the judge was informed that the expert witness would be delayed and the that court case would be delayed for two weeks. No phone calls were allowed during this time. Finally, the witness showed up, and there was another delay because the Sinaloa cartel couldn’t show up. So, a few more days waiting time. After 17 days, finally they were ready for a trial. The judge listened to both sides of this crazy argument and worked out an agreement.

After that the judge asked why they wanted him of all people. They explained that they didn’t like Mexican judges because they were all corrupt and that they wanted a nice gringo judge. It took the judge five hours to work out their problems. Then they flew the judge back to Los Angeles, gave him his car back and left him alone.

The next day, there was a thank you present once again on the kitchen table with cash paying the judge $15 per day for his service — exactly what California jurors are paid for their service. He also got paid 34 cents per mile radius from his hotel to the court room plus mileage fees for the flight to Mexico which was paid for by Juan. $468.26 cents was what the judge got for his service.

Meanwhile the judge lost his job due to being absent. The judge’s wife left him because she was terrified and his own kids were not allowed to talk to him. All for $468.26. On the other hand, he probably single-handedly prevented dozens of people from being gunned down which makes it worth while in some way, shape or form.

The moral of the story is that jury duty can be very beneficial for society and justice, but it also causes severe problem to people’s lives, their bosses, customers and family. The courts think they can pay pennies for disrupting our lives, but they don’t seem to understand how much harm they exact on us for some benefit to society.

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Notary Lives Matter

Filed under: General Stories — admin @ 8:48 am

Notaries frustrated with the oppression of not being paid by signing companies decided to create a new group called, Notary Lives Matter or NLM.

They took over a signing company in Orange County and declared the entire block a police free zone. Their demands were that the police would help them get paid. But, the police didn’t want to bother.

One signing company worker who made the mistake of putting in overtime came out of the bathroom to find these unruly Notaries demonstrating in the entrance and parking lot. They made her “take a knee” and say, “I can’t breathe.” Then she turned on the air system and said, “I can breathe a lot better now.”

The police didn’t want to confront such a large number of disgruntled Notaries, so nobody got arrested. But, on the other hand nobody got paid. The moral of the story is to research companies on Notary Rotary and 123notary’s forum to make sure that companies pay. Otherwise you might be saying, “Hand up …. hand up…. don’t shoot…. don’t shoot — Notary Lives Matter!”

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