(2) Technical and Legal Archives - Page 11 of 28 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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March 15, 2018

Notary Marketing 102 — Notary Advertising

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The state of Notary advertising is always changing. Sites go up and down in popularity, and change their policies and business models. 2018 is no exception to this rule. The most popular several sites have changed a little bit in the last few years. Here is my current analysis of the various popular sites.

Also Read:
The State of Notary Advertising in 2016

How much should a Notary spend on advertising?

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123notary.com – for the best quality notaries!
123notary leads the pack in terms of attracting the highest quantity of work from higher paying Title & Escrow companies. The reason for this is that 123notary has higher quality standards than any other site. 123notary offers many sophisticated and practical search filters as well. Search by city, county, zip or state and filter for hospital jobs, languages, certified notaries, and more options as well.

Self-praising Notaries who think they know everything are rudely awakened by Jeremy’s quizzes to the fact that their knowledge doesn’t cut it in the industry and that they need to study more. Quality control involves making people regularly log in to their listing, keep their notes updated, study and prove their knowledge. The result of this constant attention to quality is a far higher quality and consistency of search results on 123notary. Notaries who like the idea of constantly improving their knowledge will most likely love 123notary. Those who are anti-knowledge and anti-responsibility might not.

123notary requires all Notaries to log in to their listing every 120 days and also to maintain a good notes section and get a 70% on a Notary Quiz administered by phone or a higher grade if administered by email. 123notary realizes that nobody is perfect and we have to be flexible with our requirements, but we want to deliver the best possible search to the users, and this is why we stress quality control.

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Snapdocs.com — an upcoming star
Snapdocs attracts the greatest volume of signings of any directory, but the pay is normally very very low. They have great technology and great search algorithms. The downside is that their Notaries are mostly of a very poor quality. Notaries on Snapdocs normally get paid lower than any other site. However, there are a few who are able to negotiate good fees. I know some of those Notaries personally, and they merit better fees. If you want to get paid well, please consider adapting your knowledge and professionalism to merit good fees. Please also consider that certain directories attract a higher volume of jobs with high fees.

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NotaryRotary.com — a good directory that is slowly losing steam
I would estimate that Notary Rotary is getting roughly 10% of the market share of signings and signings from that site are in all price ranges based on what I have heard. Notary Rotary used to be a big contender in the Notary industry. More recently, according to what I have heard, people are getting less and less work from them in 2018. Notary Rotary has a higher quality of Notaries than most sites and caters to finding Notaries in order of proximity which is helpful. Their fees for sign up are reasonable and they have great Notary supplies, insurance and a popular forum.

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NotaryCafe.com
Notary Cafe has been around for decades and has always attracted some business. The format of their site has changed over the years. I would estimate they get about 5% of the market share for signings. Notary Cafe has a search algorithm which seems to integrate proximity, and how recently you logged into your listing. It is well organized. However, the quality of the Notaries is not as good as 123notary or Notary Rotary.

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SigningAgent.com
The NNA runs SigningAgent.com and this site has the highest quantity of Notaries of any other directory. However, the overall quality of the Notaries on their site is inconsistent. This site is maintained well and has great search features, filters for edocuments, certification, and a flexible radius. Many Notaries like to advertise on this site, but the volume of business it attracts is limited.

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Google Local
In addition to marketing on purely Notary sites, many notaries do well advertising on Google Local. Google Local will get you nearby customers for all types of Notary work.

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Other Online Advertising
Yelp, and online Yellow Pages. If you want to do paid listings on online yellow pages, start with a small investment and see what rate of return you get before investing a lot; otherwise you might not get any return on a larger investment. I am unaware of how successful Yelp is, but some Notaries do get work from them, and the reviews really attract business to your listing.

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Manual Promotion
It is wise to call Title companies and give them your information. You can also contact hospitals, convalescent homes, Real Estate offices, law offices, jails, people who visit jails, and anyone else who might need a Notary. Handing out cards to strangers, customers, and office-mates of customers is a very effective marketing technique. Some Notaries have price sheets which is fine, but the most important is a business card.

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Summary
So, whom should you advertise with? Start with 123notary and Snapdocs. But, maintaining your listings is as important as who you advertise with. So, read the other sections of this course to learn how to optimize your listings and say the right things to attract the best clients.

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March 14, 2018

Notary Marketing 102 – Promoting Yourself

Filed under: Loan Signing 101 — admin @ 8:19 am

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As a Notary Signing Agent there are various types of marketing you need to understand. Getting new clients is important and the first sixty seconds you talk to them can make you or break you. However, interacting with existing clients matters too. Here are some rules and principles of dealing with existing clients:

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1. Get on the lists of as many signing companies as possible
If you are a beginner, 123notary lists many signing companies on our list of signing companies. We also have lists of companies that hire new signers on our blog. They might not pay well, but you can develop some experience working for them. Signing companies will want proof of E&O insurance, background checks, certifications, and a lot of forms to fill out. So get used to supplying information and filling out applications in mass.

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2. Get on the lists of title companies too
I’m not sure if title companies will hire beginners, but once you have experience, you can call local title companies one by one and get on their list.

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3. Do good work
Obviously as a Notary if you want repeat clients, you need to do good work. You need to be responsive before the job, during and after to ensure good service. You need to get docs delivered on time and answer your phone and email until the rescission date — you are still on call.

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4. Keep in touch
If you don’t hear from a company for a month, let them know you are available and willing. Ask them if they have a job in your area today. Keeping in touch keeps you on the front burner of people’s minds.

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5. Do a few lower paying jobs for them
If you want to get in with a client, onto the top of their list, working for less is one way to do it. People are tired of Notaries trying to get paid a fair wage (gouging them in their opinion). They want people who stop whining and start working. So, from time to time, it might make sense to do a few not that far jobs for a little less to grease the wheels. After all, there is not that much work out there. I guess that is not what you wanted to hear.

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6. Giving small gifts
If you give small gifts or cards to existing clients, that sometimes helps a lot. It gives people a good feeling and gets you remembered. Small food items, cards, gifts, chocolate, 21 year-old Scotch (only if they are really special), etc. I remember that Julie gave me two coupons for one hour free massages over the last two years. I reciprocated by being her loyal client and I gave her a gift too of a Chinese cupping set which is for reducing blood stagnation. The Olympics athletes are using cupping now too. It leaves purple marks on your body for a few days and is great for circulation.

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After you finish a job, it is important to send a text or phone call letting them know the tracking number, and where you dropped the package. Good follow up is as important as good work. It shows you are on top of things and care. The minute you have a fancy client and you slack off on the followup, that is a red flag and could cost you.

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March 13, 2018

Notary Marketing 102 — Notary Pricing

Filed under: Loan Signing 101,Popular on Twitter — admin @ 8:21 am

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I feel that I have written some popular articles on Notary pricing already. No matter how many new ones I write, the ones from many years ago seem to still be popular. So, I’ll just have links on this page.

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Pricing formulas for Notary work
This article was written back in 2010 and is one of our most popular articles in 2018!
http://blog.123notary.com/?p=84

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Comprehensive guide to notary pricing
http://blog.123notary.com/?p=16504

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Pricing for notary work — different strokes for different folks
http://blog.123notary.com/?p=697

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Pricing formulas and time spent
http://blog.123notary.com/?p=588

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Ken’s Notary Effort Pricing
http://blog.123notary.com/?p=19314

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Comedic pricing from Apo-steal-of-a-deal to Zilch
http://blog.123notary.com/?p=18941

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How long should you wait to get paid?
http://blog.123notary.com/?p=19347

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March 12, 2018

Notary Marketing 102 — Getting Paid

Filed under: Loan Signing 101,Tips for Getting Paid — admin @ 8:43 am

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Many Notaries complain that they don’t get paid on time. The problem is complicated. Many signing companies are also not getting paid because they are also not careful of what clients they do business with and their contracts are often not air-tight. The problem of getting paid is several fold. You have to do good work, otherwise you will be the last to get paid. You have to background screen companies, otherwise you will work for the worst. You also have to be aggressive in billing. Below are my formal suggestions:

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1. Be the best at what you do
If signing companies value you because you are the nicest and most dependable notary in the business, they still might not pay fast, but they will feel motivated to pay you – otherwise they will lose you. And nobody wants to lose their best Notary.
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2. Ask for References
If a company doesn’t want to give you references they are probably not worth working for.
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3. Screen companies first — Read about them on the forums
Notary Rotary and 123notary keep information on what Notaries say about companies on our forums. You can look up hundreds of companies. We also have a list of signing companies with reviews on our site you can reference from a mobile phone!
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4. Keep good records.
If you keep stats on how long it takes companies to pay you, and do the math to create averages for how many days it takes, you can avoid the companies that pay slowly.
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5. Have a credit limit for each company.
If a company has proven to pay quickly and on time, you can offer more credit. But, for newer companies or slow pays, I would not offer them more than $200 in credit.
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6. Bill weekly
If you keep after companies that owe you money by emailing them bills and calling about the late ones, they are not going to enjoy being harrassed. They will be more likely to pay you.
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7. The letter from hell
If you still can’t get paid, use the demand letter we entitle “The letter from hell” in our resources page.
http://www.123notary.com/howto-get-paid-signing-agent.htm
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8. Protect yourself with a contract
If you have a contract that goes over how much you get paid for last minute cancellations, printing, and if the loan doesn’t get signed, you will have legal grounds to get paid. There are many situations you can protect yourself from with a contract. Getting others to sign your contract will only happen if you are one of the best Notaries, so don’t get your hopes too far up.
http://blog.123notary.com/?p=2593
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9. Physically show up at the signing company
If you are within driving distance, you can have a personal appearance at a signing company and camp out until you get paid.
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10. Sent a letter from an Attorney
Many Attorneys send letters for a low price if you shop around. Nobody wants to get sued, so have a letter written and get paid fast.

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Notary Marketing 102 — Your Notes Section

Filed under: Comprehensive Guides,Loan Signing 101,Your Notes Section — admin @ 8:27 am

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A Thorough Notes Section

LINK: How to write a notes section if you are a beginner.
http://blog.123notary.com/?p=16698

Having a great advertisement at the top of the list is super. However, if your information is vacuous, people will bypass your ad to hire someone else. It behooves you to write a great notes section, and 123notary will edit your notes at no cost out of the goodness of our hearts (and for the general quality of the site). But, what constitutes a super notes section? A good notes section should have a lot of pertinent information about yourself, and it should be organized into logical paragraphs. Furthermore, the information should stress experience and selling features at the top as the first hundred and fifty or so characters show up on the search results and can act as a magnet. You should avoid spelling or formatting mistakes to make a good impression on companies that may elect to use you.

Most Notaries use the jumble technique and put all of their information into one disorganized never ending paragraph. Don’t do this. Jumbles are hard to read and do not stress what is important first. The information in a jumble normally includes some bragging about how great the notary feels they are, will undoubtedly mention their NNA certification and background check (which matters), and E&O insurance (which also matters). Coverage areas are also normally mentioned. It is better to format information the Jeremy way, as my editing work on listings gains them around 55% more clicks on average and only takes me a minute or two and is free!

Below is our table of contents about each part of the notes section. Please read every page linked below as it is part of the course and not supplemental reading material.

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The top of your notes section
This is where you put your selling points, and salient features about your experience.
http://blog.123notary.com/?p=19750

The second paragraph of your notes section.
This is where you talk about what is unique about you.
http://blog.123notary.com/?p=19748

The third section of your notes section
This is where you put quick points about certifications, E&O, and more.
http://blog.123notary.com/?p=19746

The bottom of your notes section.
Talk about coverage areas, special considerations like accepting credit cards, and a closing phrase.
http://blog.123notary.com/?p=19744

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EXAMPLE
Here is an example of a quick notary notes section done according to our formula for success.

1000 loans signed; Open until 11pm; Fluent Bhutanese; Experienced with Time Shares, REO, Helocs, Refinances, and more.

I have been a Notary since 2005 and have a background as a Real Estate Broker and Escrow Officer. I love people and always get back to my clients right away. I am meticulous, but don’t take my word for it, try me out and see for yourself. As a former Escrow Officer I know the Title documents well and am also familiar with general loan documents.

NNA & 123notary Certified
Sterling Background Screened (Expires Nov 2018)
500K E&O
Dual Tray Printer that prints 200 ppm.
Available 8am to 11pm seven days a week.

I accept Paypal and Square

I cover Los Angeles, Ventura, Santa Barbara, parts of Kern and will consider San Luis Obispo County with advanced Notice.

Thanks for visiting my listing on 123notary and I hope to hear from you soon.

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Notary Marketing 102 — Negotiating Fees

Filed under: Loan Signing 101,Popular on Twitter — admin @ 8:23 am

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As a Notary, knowing what you are doing, having a good advertising presence, and being reliable all matter. But, if you don’t know how to negotiate fees, you will crumble in this low-ball world. Here are some of the best negotiating tips in the industry from our top players.

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1. Let them name their price first
When bargaining, it is much better to let the other person bid first. You can always raise your ask price if they don’t offer enough. But, if they offer far too much, you would never get it if you asked first and asked too low.

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2. Start with a high ask price
If you ask for $125 or $150, you can always go down on your price, especially if the job is close or fast. You can ask how many pages, fax backs, and notarizations are in the package. If the job is quick, then give them a quick price.

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3. Never whine
If you whine about the condition of the industry or how low the fee was, people will think you are a low life. Professionals don’t whine. Professionals operate! So, if you are offered $60, ask for $85 and see what happens.

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4. Decline the low-ball offers
If you spend all day working for peanuts, then when the good jobs come, you won’t have time. Decline bad offers so you are free for good offers.

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5. Answer your phone
If you only offer when you are not in a signing and not driving or cooking or thinking, you will miss 80% of your calls. How can you negotiate a good fee if you don’t take the call in the first place?

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6. Act professional
Try to impress them without trying to impress them. Most Notaries try to do a snow job and brag about how great they are. Seasoned operators don’t do this. Smart professionals will engage you in an intelligent conversation about the job, the industry and the state of the union. Ask them questions about the job, where it is, who it is for, what type of loan it is, and about their career and industry working in title or escrow. But, whatever you do, don’t talk about your zero percent error rate and how reliable and experienced you are — nobody can verify your claims and nobody wants to hear it.

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7. Announce your name when you answer the phone.
Answer the stating your company name and personal name and never say, “Hullo?”. It sounds professional to announce yourself properly. If you have screaming kids in the background that sounds horribly unprofessional. Have a quiet place to answer the phone and if you are in a noisy place, try to go to a quieter place and apologize about the noise. Just because you don’t mind noise doesn’t mean the title company enjoys barking dog and screaming three year old.

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8. Talk about real life
Sometimes I talk to Notaries who tell the Title company that you can call me to clean up the mess after you hire one of those $50 signers. Over half my work is clean up work. That sounds real to title companies unlike all the nonsense about how experienced and knowledgeable you are which just sounds like fluff. Tell real stories about how you handled complicated situations that others might have goofed. Mention that split signing where you did some complicated manouver on the Acknowledgment certificate and how you went out to sign the wife at 3am because she could only see you at that time due to her busy schedule as a nurse. This is impressive and much better than fluff.

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9. Negotiate timing
You can offer a better rate if they get you late after rush hour. They might prefer to just offer you more and get the job booked.

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10. Double book and get a bad review
You’ll get many bad reviews from this, but double booking makes sense. People cancel jobs all the time when they hire you, so why can’t you cancel a few jobs. If you book jobs tightly, generally at least one of the clients will cancel 20% of the time — at least. So, if you book a job for $60 and someone else offers you $150, you can ditch the first job and take the other. You will probably get a bad review that will last for three years, but you will have $90 extra in your pocket. It’s a dirty technique. Not recommended, but food for thought and great blog material.

11. Negotiating on SnapDocs
You need to know how to negotiate if you use SnapDocs. The majority of Notary work (not the majority of the high paying work though) comes from SnapDocs these days. Their technology wins the game although their fees for using their system are a little exorbitant. When given an offer on Snapdocs by text, you need to turn the situation around.

Let’s say you are offered $60 for a job. Text them back saying I have signed “x” amount of loans in my career and “x” amount being the Purchase that you are assigning. I will accept the job and get it signed within three hours, but my fee is $85. Do you want a seasoned pro or a screw up? References available upon request.

There are Notaries who prosper on SnapDocs. Just not that many. And the ones who do well merit doing well with their superior notary and business skills. Negotiating fees will not get you far if you are an unskilled Notary or beginner. You are competing against 12,000 other Notaries (estimate) on SnapDocs who also don’t know anything. So negotiate only when you have a bargaining position.

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12. Stress Availability
As a Notary, there are a lot of others competing with you. If you are fast returning texts, answer your phone promptly and are available, you can get a lot more work. The other notaries are not so responsive. Let people know that you are available and can get the job done. That is a huge bargaining chip. And do so without sounding desperate.

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13. Be Willing to Talk
Many Notaries are unwilling to talk to others while in a signing. If someone calls about business, give them 90 seconds before cutting them off. You don’t know if what they are calling about could help you or hurt you. Not giving them a chance to speak their mind will be very frustrating. Many Notaries answer their phone only to tell me that they cannot talk. This is like opening your door only to slam it in someone’s face. It is better to answer and talk or don’t answer. Set a limit ahead of time. By being responsive and friendly, you will attract more business. If you think the job you are at is the only job, you are sacrificing your next job which might become a repeat client.

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You might also like:

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

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March 11, 2018

If you have 2 signers each signing 10 Grant Deeds

Filed under: Loan Signing 101 — Tags: , , — admin @ 11:20 am

If you have two signers each signing ten Grant Deeds, how many journal entries should you create and what should you put in the document section?

Wrong Answer
Just create one journal entry and enter both names of the signers and in the document section put ten Grant Deeds.

Another Wrong Answer
Create one journal entry per signing and put “Ten Grant Deeds” where it says name and description of document. Don’t forget to create a journal thumbprint if you want to safeguard against fake identification.

Correct Answer
Create twenty entries, that is ten per signing. Write the term Grant Deed in the document section as well as some unique identifying information about each Grant Deed such as:

Document date, address of property, APN number, name of grantor, grantee, or anything else that is unique.

Why?
If one of the Grant Deeds you notarized for a particular client ends up in court and your journal is queried, you will need to let the judge know which of your journal entries reflects the one for the particular Grant Deed in question. If you did not keep your journal straight in this respect, there could be a debate as to whether you even notarized that particular Grant Deed or if an impostor did. Your journal is not for fun, but is to safeguard you the Notary, Judges, FBI agents, your clients, and society as a whole.
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You might also like:

Notary Public 101 — Journals
http://blog.123notary.com/?p=19511

Journal abbreviation keys
http://blog.123notary.com/?p=19441

Do you keep a journal to please your state, a judge, the FBI, or 123notary?
http://blog.123notary.com/?p=19483

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Scenarios: The Green Pen Question Revisited

Filed under: Loan Signing 101 — Tags: — admin @ 11:06 am

You go to a signing, open the package and the instructions read:
Sign in GREEN, don’t call unless it is an emergency, get it to Fedex on time or you are fired.
It is 5:30, last pick up is at 6:00pm. Nobody has a green pen. There is a stationery store in the same complex as the Fedex station ten minutes from where you are. What do you do?

(a) Sign in black or blue, whatever is legal in your state.
(b) Call your contact person and let them know you are having a situation.
(c) Go to the store.

Most Notaries carry a portable time machine with them and decide to go back in time, read the directions BEFORE going to the signing. Unfortunately, the time machine is not one of the multiple choice options and we do require picking options that are available rather than creating your own convoluted answer. If you want to sign in a legal color, then sign in black or blue, but you will get fired, because that is not what the directions say. If you call, they are going to say, “what did the directions say?” You will say, “Sign in green.” And then they will say, “So what are you asking us for, go and get a green pen dummy.”

The correct answer is to have the borrower follow you to the store, get a pen, sign the document and then drop it next door at Fedex, and then go to Starbucks for an iced Jurataccino (optional). Otherwise you won’t have time to drive back and forth and drop the package. This is called following directions. If the pen could talk, and was a Muffets fan, he would probably say, “It’s not easy being green.”

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You might also like:

Can Frank safely go camping after his signing? Or will he get in trouble?
http://blog.123notary.com/?p=20007

Chad said to text him. If you don’t in this scenario, trouble follows!
http://blog.123notary.com/?p=20009

Notary Public 101 Real Life Notary Scenarios
http://blog.123notary.com/?p=19681

Does your state allow credible witnesses?
http://blog.123notary.com/?p=18911

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January 29, 2018

Journal abbreviation keys

Filed under: Journals,Technical & Legal — admin @ 12:50 am

Many people take the easy way out with their journal. Journal keeping is seen as just an arduous task with no higher meaning. Many people feel that they can do a shoddy job doing their journal since it is not required in their state. However, if you are in front of a judge you need a clearly filled out journal whether your state requires it or not.

Many Notaries use the check box journal. I recommend against this. The check box journal says, “E&O” as one of the names of a document. If the real document says, “Errors and Omissions Compliance Agreement” that is a completely different document. E&O is an abbreviation for the first three words, but what about the last two words? Don’t take liberties.

Then there are other Notaries who just write, “10 Grant Deeds.” If you are ever in court, you need to know which Grant Deed is in question and if you really notarized it. Keeping escrow numbers, names of parties involved and addresses helps to narrow it down.

DOT could be a good abbreviation for Deed of Trust. However, if you are in court years later what will the judge say? What if you have bad handwriting and use abbreviations?

My philosophy is to keep an abbreviation key in the inner cover of each journal you use. I had 70 journals in my career so I could have a lot of keys. You can have a key that says:

DOT = Deed of Trust
AFF = Affidavit
E&O Comp Agree = Errors & Omissions Compliance Agreement.
Corr Agree = Correction Agreement.

This way you have a system that is documented just in case.
Or, just write the entire name of the document out. Or you could only abbreviate Deeds of Trust since they are so common and not abbreviate the others just to keep reading the journal more straight forward.

The worst thing you can do is to write, “Loan Docs.” When you put the names of documents in your journal, each document is legally separate, and the fact they are part of a package does not make them legally all have the title, “Loan Documents.” Each document has a name that must be entered in your journal if you notarize it.

You might also like:

Here’s why you should keep a journal
http://blog.123notary.com/?p=22543

Detective seizes a journal and complains about a blurry thumbprint
http://blog.123notary.com/?p=22237

Index of posts about journals
http://blog.123notary.com/?p=20272

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January 16, 2018

Credible Witnesses, the ins and the outs.

Not all states allow credible witnesses, and some states like California have odd rules for credible witnesses. I also have opinions about credible witnesses as I used them frequently.

Some states that allow credible witnesses require only one witness. One that knows both the signer and the Notary.

Some states don’t allow credible witnesses at all.

While other states allow the use of two credible witnesses who both know the signer but do not know the Notary. Or one credible witness who knows both.

The problem is how credible witnesses are used. Credible witnesses are normally used when the Notary gets to a Notary appointment and the signer has no ID. Or sometimes the ID has the wrong name. Hurry, get a credible witness or the notarization is over! So, you grab a neighbor, or coworker who swears they know you well.

The problem is that knowing you as a neighbor is very different than knowing you well enough to have your middle name(s) memorized.

You could test a credible witness out and ask, “What is this man’s middle name?” If they don’t know it, I would not think of them as a credible or reliable source of information. The law might allow you to use them but does it really make sense. They are just going along with whatever middle name the signer claims to be.

Or, you could use your judgement while picking credible witnesses. Personally, I feel that a family member or spouse is a quality choice for a credible witness as family members will know the other family members middle names. But, my friends who I’ve known for 30 years I do not know their middle names — sorry to say.

Additionally, in California, the credible witness has to swear that the signer cannot easily obtain an identification acceptable to the state of California such as a driver license, passport, etc. So, if the signer has an ID, but the names do not match, it would be bending the law to use a credible witness in that situation. If you don’t believe me, read page 12 of the 2017 California Notary Handbook.

All in all, I would say that using credible witnesses as a way to get out of a bind is something that should only be done if the credible witness really knows the person intimately and knows their middle names intimately off the top of their head. Otherwise you are just finding loopholes. And God forbid if you don’t take journal thumbprints you are asking for a court case and an FBI investigation! Be cautious as a Notary. It is easy to get in trouble and big trouble!

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You might also like:

Credible witnesses – the process explained
http://blog.123notary.com/?p=16695

Where do credible witnesses sign the notary journal book?
http://blog.123notary.com/?p=2508

Credible Witnesses from A to Z
http://blog.123notary.com/?p=452

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