(2) Technical and Legal Archives - Page 25 of 29 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
123Notary

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

March 14, 2011

Dragging the person’s arm

Is your notary job a drag?
This job is like dragging arms man!
Are your hospital customers a drag, literally?
 
Dragging the signers arm
It was back in 2000.  I had had a Santa Monica notary job, and then was called from Arcadia.  I was informed that I would be needed to visit an Arcadia hospital to do a hospital notarization signing later that night. They were not sure. The patient would be awake and ready around 11pm, but maybe later… maybe much later.  I explained that I was a night owl, and that its no problem.  Just call while I’m still awake.  Once I’m sleeping, you have lost me. 
 
The phone call
So, I finished my Santa Monica job, got another job in West Covina, and drove back home through El Monte to Monterey Park where I was living at the time.  This was long time ago when I had first started 123notary to advertise my personal notary services to five counties in Southern California.  I was the only notary listed on 123notary at the time.  Ah, the memories of the good old days!  So, I waited at home watching television.  Finally the call came at 11pm.  They said they wanted to meet me at 1am at the hospital in Arcadia.  I said fine.  I’ll meet you in the lobby, I’ll be carrying a small black bag.
 
The lobby
I arrived at the lobby.  My client was early and waiting for me.  Clients always had ESP and always knew who I was without ever having met me before.  I guess my demeanor of looking like I was having the time of my life was what gave me away — NOT!  We went up to the hospital room, and there she was… the signer… and the family.  Fortunately the signer had ID.  It was time to sign.
 
I can’t move my arm!
The signer could barely move their arm.  In situations like this, the daughter of the signer always puts a pen in the elderly person’s arm, grabs the elderly person’s arm, DRAGS it across the page, and attempts to “help” them sign.  I had to stop them.   STOP!   Who is signing here?  You, or her?  The daughter said, “She is signing, I’m just helping her!”.  I said, PLEASE STOP helping her.  Lets have Ethel sit up a bit…there… thats much better.  Lets put the document on a hard surface so her pen doesn’t rip a whole in it.  Hmmmm… Much better!  Now, you can use your arm as a brace to guide Ethel’s arm, but let Ethel do the movements herself, otherwise you are more or less forging her signature even though she is the one holding the pen. 
 
40 minutes later
After 20 minutes, we got the first signature done. That wasn’t so hard, was it?  Then, we did the thumbprint in my journal to prove that the etch-a-sketch “scribble” wasn’t forged.  Elderly people grab on for dear life when you thumbprint them, their tension is like a brick.  Now it was time for the journal thumbprint.  I will bet money, that this won’t take any longer than another 25 minutes.  I was right!  We turned the journal almost completely upside down.  I had to supervise to make sure Ethel signed where she was supposed to and not on the “Name of document” section for Harry’s notarization that had taken place the previous day.  Thank god I watch everyone like a hawk.  The notarization was a “breeze”.  All in a days work.

Tweets:
(1) Doing signings for the elderly in hospitals is like pulling teeth or dragging arms!
(2) Whenever I arrive at a hospital lobby, the clients have ESP and automatically know I’m the notary!
(3) The signer could barely move her arm, so the daughter grabbed it, put a hen in her hand & moved the arm around!

You might also like:

Power of Attorney at a Nursing Home
http://blog.123notary.com/?p=2305

Rules for notarizing a bedridden person
http://blog.123notary.com/?p=2243

Just say No #2
http://blog.123notary.com/?tag=just-say-no2

Grandma’s notary service & Paralysis notary service
http://blog.123notary.com/?p=4231

Share
>

March 10, 2011

Going on vacation?

How to lose half your clients while on vacation!
 
Are you going on vacation?  Smart notaries call all of their regular clients up and let them know that they will be away.  Its good to let people know when you will and won’t have phone or internet access just in case.  Smart notaries give everyone a “heads up” in any situation just to let people know what to expect.  The worst thing for a signing company is to be left high and dry by a notary, and it happens all the time.
 
Will you lose your clients?
If your clients love you and swear by you, you are in good shape.  Sure, they will use a substitute while you are gone, but if you are loyal and good to them, they will go back to using you when you come back, especially since you gave them a  “heads up” before you left.   Not all notaries are so clever though. Many notaries just leave when they feel like it, and when their regulars call, they get an answering machine and no call back.  Thats a no-no!  The main thing is to give great service when you are in town, so that everyone will wait for you during the periof of time when you are going to be away.
 
When should you go on vacation?
Its good to get away regularly.  If you are on a budget, even a nice camping trip will do you a lot of good. There is nothing better than being around trees, rocks, grass, and animals — so long as the animals are not bigger than you (or hungrier).  Keep your food in a bear container if bears are around. Nature replenishes the body’s qi supply and replenishes the mind and soul.  Your mind needs a break and needs a few days to think about something completely different than phones, work, pressure, and problems. 
 
I recommend going away no earlier than the 4th of the month and no later than the 14th of any particular month.  The first few days of the month sometimes have some clean up issues from problems during the end of the month rush.  Going towards the end of the month when people need you is suicide. Of course, since the economy is so bad, the end of the month rush might not be such a rush.  But, in general, go when its quiet.  December is generally a slow month in general, and people expect that you might be away for the holidays anyway.
 
Excuses, excuses.
Don’t be an excuse maker.  Nobody wants to hear it.  Whenever notaries fail to call a signing company back, the signing company often comes to me, and I always get the same types of excuses. 
 
(1) “I was on vacation in Panama and didn’t have access to a phone”. 
Commentary – you could check into an internet cafe every few days.  Internet cafes exist in almost all countries.
 
(2) “I was at a funeral, and couldn’t step out”
Commentary – Did the funeral last for the 72 consecutive hours that you were not able to make your call for? — Did someone had a gun to your head who wouldn’t let you go to the bathroom either during this time? Give me a break!
 
(3) “I was in the hospital and couldn’t make a phone call”
Commentary – If you are not incapacitated, and want to keep your customers, call them NO MATTER WHAT!
 
Be accountable for your last job.
Notaries often get in trouble when they are on vacation. They forget that they have to be accountable for the last few jobs that they did.  Maybe there was a mistake.  Its usually a mistake made by the Title company or Lender, but the notary still needs to be responsive.  Many phone plans will charge you $2.00 per minute to answer calls overseas.  $2 is less expensive than losing a client!  Stay in touch, and keep your clients.  Getting clients is hard, but losing them is easy.  Just be unresponsive while on vacation!
 
Maybe its good to not do any jobs for 48 hours before your trip!
In this economy you need all the jobs you can get.  But, if you do a job, and are in Japan the next day, what if there is a problem with the loan?  The lender will need you to go back and fix the problem with the loan whether its your fault or not, and if you are in a Zen garden in Osaka with no phone, this will be difficult.  At a minimum, let the signing company know that if there is any type of problem, you will be staying in Kyoto and that they can call the hotel there if they need you.  Then say, “Sayonara”.
 
Map out where the internet cafes are.
Its tough when you are on vacation.  There are tight itineraries, foreign languages, strange customs, and even stranger people depending on where you go!  Just getting off the plane and getting to your hotel without an intestinal challenge can be a mouthful in itself in many countries.  Should you schedule time between your museums and culinary adventures to spend thirty minutes at an internet cafe?  If could save you a client.  Then, go back to your trip, enjoy the scenery, enjoy your tours, savor your nights out, and then enjoy the pleasures of reverse culture shock and jet lag once your plane lands and you arrive back on American soil!
 
The main point is to warn people ahead of time regarding where you will be and when.  When you are not around, its much better if you are accessible through one means or another too.

You might also like:

Notary etiquette from A to Z

Typical things notaries do wrong

Vampire notaries: 24 hour service

Share
>

March 3, 2011

Mobile Offices from A to Z

Mobile offices and their advantages
 
One of our notaries in Maryland commands higher prices for his loan signing services due to his expertise in signings and also because he has a mobile office which facilitates last minute notary jobs and last minute quick changes to documents.  This notary has state-of-the-art equipment that comprises his mobile office in his pickup truck.  He has a scanner, regular sized printer, laptop, extra toner, paper, a special inverter, cables, a powerful alternator, and extra heavy duty fuses.  His internet connection is courtesy of Verizon Wireless Broadband.  Additionally, he considers it really important to have a really powerful battery because the equipment puts a heavy load on the battery.  Another interesting fact is that he uses a police squad laptop holder so he can work comfortably while in the drivers seat.   He prints by putting the printer in the back seat.  His wires are directly wired to the car’s electrical system instead of using a plug in that would go in the cigarette lighter.
 
What are the technical issues of a mobile office?
This notary started his mobile office in 2004.  He has lots of experience with mobile offices and the issues related to them.  He claims that someone with a regular car might not have enough battery or alternator power to handle the load of a laser printer.   He used to blow fuses to do overload, but learned that buying top of the line heavy-duty fuses and having a state of the art alternator he could handle the demands of the job.  Our Maryland notary public learned that it was not technically feasable to run a printer and laptop simultaneously using his mobile office.  So, what he does is to put the laptop on battery only while printing documents
 
Printing
With a mobile office, a signing agent can download documents while you are driving.  Imagine the time you can save multi-tasking.  Our Maryland Notary Public uses a regular sized printer without any issues.  However, the printer gets hot, so a firewall is necessary.  He uses wood covered by velcro to make sure that no fires are created when he places the printer on a seat or on the floor. 
 
How does this help his business?
You can get more money for signings having a mobile office because you can do last minute quick prints of last minute documents.  Imagine that the lender has a quick change to the Settlement Statement or other critical document.  No problem, it can be reprinted at the signing.  What if there is a quick name variation change, or change for a critical figure in the loan.  Again, this is easy to printout at the last minute.  Many loans have to be completely rescheduled due to the notary’s lack of equipment, but not if you have a mobile office!
 
What does it cost?
You could spend $2000-$3000 for a mobile office.  The inverter is about $100 and thats critical for good electrical flow.  Scanners and printers a few hundred each.  The biggest expense is the laptop, and those can run anywhere from $500 to $2000 per unit.

Tweets:
(1) One of our notaries commands a higher fee simply because he has a sophisticated mobile office!
(2) Having a mobile office is perfect in the “unlikely” event that a lender sends you docs late when ur on the road.
(3) You could spend up to $3000 for a really good mobile office. Don’t forget to start w/an inverter!
 
You might also like:
 

Erica’s mobile office story

Share
>

February 24, 2011

Erica’s Mobile Office Story

Erica’s Mobile Office Story
 
Erica has been a full time mobile notary for 17 years in California’s central coast.  She enjoyed driving her BMW to signings, and the gas mileage was not that bad.  But going all the way up to Northern San Luis Obispo county and all the way down to Santa Barbara Couny, and then all the way up and down and up and down for e-document signings got to be ridiculous.  She said to herself, “I’ve been doing this business for a long time, and there must be a better way to do this”. 
 
A few years ago she decided that a mobile office was the way to do business.  That would eliminate all of the traveling back home each time she needed to print documents.  She could print on the road while driving and multi-task which would make her time work even more efficiently.  There was a particular vehicle that she had had her eye on for a long time — the Chevy HHR.  It was a cross between a SUV and a Hatchback.  But, its main feature was that it’s battery was in the BACK, making it easy to add an inverter and power strip.  This would allow her to have printers, computers and other equipment in the back receiving enough power to all function at once!!! 
 
Long distance travel
Although her BMW got better gas mileage than her new “truck”, she didn’t have to go all the way back home each time she printed docs using the truck!  Erica’s range was 120 miles up and down the coast, and many times she would have to go up and down multiple times per day when business was faster (in the old days).
 
The inverter
Initially, she wanted to get a generator, but thought it would be too loud for night signings.  But, then after she bought her more powerful vehicle, the generator was no longer necessary.  She started out getting an inverter on ebay for $79, but it didn’t have enough Hertz.  Then, she got serious and made a pilgimmage to Oxnard, California to get a heavy duty 2000 watt inverter for $129 which did the trick.    This inverter had enough power for all of her equipment.
 
Her equipment
Erica’s arsenal of equipment includes: (1) a netbook, (2) a three-in-one scanner, printer, and fax (3) HP Laserjet 2430dtn printer that prints a whopping 35 pages per minute! Wow! That’s the fastest I’ve ever heard about.  She has SIX of these and gets them for pennies on ebay, but they might cost up to $1000 in a store.  She get’s her toner for $20 on ebay which costs over $100 in stores.  The other things she stocks in her “truck” include extra legal paper, letter paper, toners for each weapon, staplers, tape, rubber bands, shipping supplies, post-it notes, and dozens of pens.  She also keeps an extra journal in her car just in case!
 
The warranty
Erica is a seasoned electronics customer and gets a square trade warranty whenever she buys something online.  Personally, I would go with the triangular one (to keep things simple), but the square one seems to be the industry standard.
 
More work capacity
The bottom line of this story is how Erica refined her operation to have maximum efficiency.  She can now accept last minute assignments.  And, by eliminating the back and forth, she can now do nine signings per day, when the maximum she was able to do in the old days was five.

You might also like:

Which dual tray printers do Notaries like?
http://blog.123notary.com/?p=19351

Mobile Offices from A to Z

12 points on e-notarizations

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

Share
>

February 15, 2011

Cross-out happy; Not a good idea

Some lenders allow cross outs. Others will fire you after the first cross out. Some signing agent courses recommend that you cross things out without a second thought. Others don’t. Even our loan signing course teaches you to cross out wrong dates in the right to cancel document. But, if you work for Provident or other lenders who don’t allow cross outs — you’re fired! Gulp?

Don’t worry, just read the instructions. Many loans have an instructions sheet. If there is no letter of instructions, then ask before you cross, okay? Don’t assume that you can just cross anything out. First of all, remember the golden rule of cross outs. Don’t cross out unless: (1) you have permission and (2) it is a last resort.

What about the 1003? The 1003 loan application has endless wrong information. It is my personal belief that the clerks they hire are required to make endless mistakes — otherwise they will be fired on the spot. If they get your social security number right they will be laid off immediately, right? In any case, the 1003 is not binding in the loan, but has to be sent back signed. Borrowers whine endlessly about this carelessly prepared document. What is the solution? Cross out and initial? Hmmm. Not sure…

My take on the 1003 is that you will cost yourself 30 minutes of wasted time if you call your contact person about anything, so don’t call unless you really need to. Otherwise you will never get out of the signing. If the lender allows cross outs, you will not endanger your loan by crossing out in the 1003 or for wrong dates on the right to cancel. If the lender doesn’t allow cross outs, then don’t do it.

Trick question

Q. What is the only document the is in a completed loan package that REQUIRES cross outs?
A. Acknowledgment certificates require the notary to cross out the his/her/their, etc.

Share
>

February 1, 2011

How to get paid by out of biz signing companies!

Many notaries ask us how they can get paid by signing companies. Dealing with signing companies can be tricky. But, there are some basic rules of thumb you need to understand.

(1) You need to screen companies before you work for them.
That way you avoid the really bad ones and cut your losses. No notary gets paid 100% of the time, but if you avoid bad companies, you will raise your percentage for how often you get paid. Notary Rotary and 123notary have excellent resources in our lists of signing companies and the forum. You can read the gossip about hundreds of companies before you get involved. Stick you toe in before you jump if you don’t want to get in trouble!

(2) Don’t give too much credit to companies
Notaries get in trouble when they let a company rack up a huge bill. You need to keep track of the payment regularity for each company who you work for. If someone is delinquent on even one payment, don’t work for them until they clear that up. You need to keep your personal records for all signing companies on your person at all times just in case they call offering you work. I wouldn’t offer more than $400 credit to companies with a good rating on our list of signing companies. Don’t offer more than $200 credit to others who are either not ranked, or have mediocre rankings. If they want more work from you, they can paypal you funds up front or pay faster. No money, no honey!

(3) Visit our resources page.
There is a “how to make sure you get paid” page in our resources page. In that page there is a letter from hell which is a template for a demand letter. It works most of the time. But, if the company is out of business, even our demand letter might not work. Don’t get strung along to that point. Settle your finances quickly so that you don’t end up with a company owing you $3000 who is out of business. Keep track, and stay out of trouble.
http://www.123notary.com/notary-public.asp

(4) Your attitude makes a big difference
When I talk to notaries who have trouble getting paid, I notice a few things. First of all, all notaries have trouble getting paid from time to time. But, if a company is low on funds and can only pay a few of the notaries they owe money to, they will pay the ones they intend on using in the future. If you are a bad notary, or are a headache to deal with, you are LESS likely to get paid. Keep that in mind. Be pleasant and professional. One guy who didn’t get paid interrupted me each sentence. I couldn’t finish my thought without being interrupted. No wonder he didn’t get paid. The signing company must have gotten complaints about him. That is not a legitimate excuse not to pay him, but signing companies typically don’t care about what is legitimate or not! They do what they feel like.

Share
>

January 29, 2011

Attorney States in the Notary Profession

Filed under: Technical & Legal — Tags: — admin @ 11:57 am

What is an Attorney State? Is that a state where everyone who resides there is an Attorney? What would they do all day long besides wake up, have breakfast and sue everyone? Or does it mean for an Attorney to state a fact about something? Neither.

An Attorney State is a state in the USA where only Attorneys are supposed to be able to do loan signings. Anyone else who facilitates a loan signing could be convicted of the unauthorized practice of law — or so I’ve heard. However, in these states which currently are Massachusetts, South Carolina, and Georgia (possibly a few others too) we do have Notaries who do loan signings for a living. They often do signings for out of state properties and think that they can get away with it.

One Attorney in Georgia that I talked to told me that if your two feet are on the ground on Georgia soil (or perhaps a hardwood floor) that you cannot conduct loan signings unless you are an Attorney — regardless of where the property is. Hmmm. Looks like people are breaking the law.

One Notary listed on our site got fined $40,000 over ten years ago or almost got fined that amount. They had to hire an Attorney to defend them in court. What an ordeal. And this was for unauthorized practice of law because they were doing loan signings.

If in doubt, consult an Attorney to see what your rights are as a notary to do loan signing in your state and ask what constitutes UPL as the definitions are frequently very arbitrary and convoluted.

You might also like:

UPL — Unauthorized practice of law in the notary profession
http://blog.123notary.com/?p=21317

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

13 ways to get sued as a Notary
http://blog.123notary.com/?p=19614

Share
>

January 28, 2011

Don’t be intimidated

Filed under: Technical & Legal — Tags: — admin @ 9:18 am

HOW MANY TIMES HAVE YOU AS NOTARIES HEARD THE FOLLOWING?
Don’t be intimidated. Know the laws and stand your ground. Be an empowered Notary!

1. My lawyer said that you don’t need to attach anything. Just sign it and I will get out of your hair.
2. The other Notary I went to did not attach anything to the same document. Why are you?
3. Look, I used to be a Notary. Don’t give me a hard time.
4. I am a Lawyer…I do this for a living. Please don’t question me.
5. Look, if you don’t do it there are a hundred other notaries who will be happy to have my business.

At the end of the day, you need to be confident in the Notary Laws. Take the 123 Notary exam and be listed as an Elite Certified Notary. At the beginning of every year print out the Notary handbook with any new law and us e it as your bible and source of reference when you are questioned. It will add to your credibility and boost your own confidence when you interact with the public especially an attorney who thinks he is the repository of all knowledge and just miraculously knows more than you a licensed Notary.

I have had encounters of the worst kind with Lawyers, Doctors, Real Estate professionals and even other Notaries who have repeatedly challenged me and when they did not like what I had to say took to the internet and unfairly left me and my company bad reviews spewing the most vituperative and vile stuff. I responded in a cool and calm manner on why the reviews were without basis and let the readers decide for themselves.

Here are a few examples of things you are asked to do that you should not do under any circumstances if you want to be a trusted Notary and keep being an advocate of best notary practices.:

1. A Doctor wants you to put your seal on the photo when the Notary Laws prohibit you from doing so.
2. The name on the document does not match the name on the ID
3. An Attorney does not want you to even glance through the document to check if it is complete complaining that it is an invasion of his client’s privacy.

You are licensed and knowledgeable. Don’t let people push you around. Enjoy what you do and help people in the process.

.

You might also like:

Cross out and initial, or use a fresh form?
http://blog.123notary.com/?p=19933

The ID says John Smith
http://blog.123notary.com/?p=19953

The one Notary that used the embosser was the one Notary that…
http://blog.123notary.com/?p=19650

Share
>

January 25, 2011

The man who wouldn’t use his middle initial

Once upon a time, there was a man who didn’t want to sign with his middle initial.

This man was very uncomfortable using his middle initial and protested vehemently.

He wanted to use his regular signature to protect himself from identity fraud. He felt that signing in a slightly different way would make him succeptable to identity fraud.

During the initial signing, he was forced against his will to sign with his middle initial. This was during the time when he was doing a purchase on the property. Then, several years later on the refinance signing, the notary explained how he wouldn’t get his money if he didn’t sign with his middle initial.

No initial — No $200,000 — it’s that simple.

So, after a little coaxing, the signer did what the notary asked, and signed using his middle initial, and all went well.

And everyone lived happily ever after

The End!

Share
>

January 21, 2011

How many years is a Notary commission good for?

How long does a notary commission last? How many years is my notary commission good for? How many years is my term of office as a notary public?

The answer is that it varies from state to state.

An Alabama Notary commission is good for 4 years

An Arizona notary commission is good for 4 years

Arkansas notaries are commissioned for 10 years.
A California notary commission is good for 4 years.

A Colorado Notary commission is good for 4 years
A Florida notary commission is good for 4 years
An Illinois notary commission is good for 4 years

Louisiana notaries are commissioned for life and have the hardest training program of any state.

A New Jersey Notary Commission is good for 5 years
A Pennsylvania notary commission is good for 4 years
A Texas notary commission is good for 4 years
A Washington state notary commission is good for 4 years

But, some states have an unusually short term of office for notaries like Delaware which is only a 2 year term of office.

Some states have a short term of office, while others have a longer one.
The majority of states have a four year term, but a few have a five, six, seven, or even longer term.

Our forum article below covers even more states and their lengths of notary terms of office.
http://www.123notary.com/forum/topic.asp?TOPIC_ID=3955

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

How much does a Notary cost in 2019?
http://blog.123notary.com/?p=21308

Notary Public general information
http://blog.123notary.com/?p=20075

Share
>
« Newer PostsOlder Posts »