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November 4, 2013

Notary Journals from A to Z

Not all states require a notary public to keep a notary journal. However, we recommend keeping one for all notary acts simply because it is your only evidence if subpoenaed to court or investigated. The purpose of a notary public is to identify signers and deter fraud. If you don’t keep proper records of notary transactions, several years after the fact, you will have no way to investigate whether the transaction was fraudulent or not. A prudent notary keeps a bound and sequential notary journal and keeps all transactions logged in chronological order.

Information recorded in a journal entry:
Date & Time — i.e. 12:04pm
Type of Notarization — i.e. Acknowledgment, Jurat, Oath, etc.
Document Date
Name & Address of the Signer
Identification of the Signer — i.e. type of identification or credible witnesses
Additional Notes
Signature of the Signer
Notary Fees
Thumbprint of the Signer

Q&A
Q. If I am doing a notarization near midnight, what date do I put on the transaction?
A. Date the transaction based on when the signer signed the journal which happens at a point in time rather than a range of twenty minutes which is how long a notary transaction could take in its entirety.

Q. What do I put in the additional notes section?
A. If you are pulled into court several years after the fact, good notes in your journal might help to remind you about the notarization. You could describe the building, or unusual features of the signers or their behavior.

Q. If I’m doing a loan signing for a fixed fee, how do I document the notary fees?
A. Most notary jobs involve one or two notarized documents and there is a fee per document. If doing a package deal, try to divide the fee for each notary done, or just indicate the total fee for the signing. The important thing is to keep accurate documentation.

Q. Is it important to take journal thumbprints?
A. Yes. Identification documents can be falsified, but you cannot falsify a thumbprint before a notary. You should ideally take a flat impression from the signer’s right thumb for your journal thumbprint. Additionally, I have never heard of a falsified thumbprint ever being used. A thumbprint can keep you out of court as it proves the identity of the signer. I was once investigated and the investigation ended two seconds after I mentioned that I had a journal thumbprint of the signer.

Q. How do I store my journal?
A. You current journal should be kept under lock and key when not in use. Some states require this by law, but it is recommended for all states. Keep fully used journals in a safe storage spot somewhere.

Q. How long do I keep my journal?
Keep your journal until the end of your notary commission. Some states want you to submit your journals to the secretary of state’s office or county recorder when your term is done if you don’t renew. Each state has their own rules, so please ask your state’s notary division.

You might also like:

Everything you need to know about journals
http://blog.123notary.com/?p=70

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

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November 3, 2013

Notary Seal Information from A to Z

Filed under: Become a Notary,Comprehensive Guides — admin @ 1:43 am

Notary Seal Information

Some states require a commissioned notary public to have a notary seal / notary stamp while other states do not. Each state has rigid requirements for the exact dimensions of the seal, the color of ink, the border of the seal, as well as what wording is on the seal.

The notary name on the seal
Typically, the name of the notary as it appears on their notary commission should be identical to the name on the seal. Some notaries have nicknames or name variations. Female notaries often get married and change their names as well. This is a source of confusion. If you change your name, you might be required to get a new notary commission and seal in many states. Please contact your state’s notary division if you are planning on changing your name.

Information on the seal
Most states require the notary’s name, the words Notary Public, the words State of ____, the Notary commission number, and the commission expiration date.

Embosser or regular seal?
Some states allow the use of an embosser which looks like a metal clamp. Some embossers are used without ink as a secondary seal (allowed in many states — ask your notary division for details)

Storage of your notary seal
Rules vary from state to state, but it is required in some states that your current journal and notary seal be kept under lock and key.

Types of seal borders
Seals might have a serrated or milled edge border. Some states might allow a rectangle made of four straight lines to be the border.

Seal Maintenance
Be careful with your notary seal as they can be damaged from misuse. Keep replacement ink in stock just in case your seal needs to be re-inked. It is common for an active notary to add replacement ink to their seal once a year or so. Many states require the destruction of a notary seal at the end of a notary’s term so that it will not be used fraudulently.

Seal Impressions
The notary public should take care to leave a clear seal impression when doing notary work. If the seal is too light, smudgy, or has missing corners, the notarization could be rejected by a county recorder, bank, lender, or other agency.

Do all notary acts require a seal?
Most notary acts do, such as Acknowledgments and Jurats. But, sometimes you will need to do an Oath with no accompanying paperwork. Make a note in your journal that you are administering an Oath. Have the Affiant (Oath-Taker) sign your journal, and administer the Oath. There is no seal required for an Oath by itsself. However, if the Oath is part of some other notary procedure such as a Jurat, or swearing in credible witnesses, then the notary paperwork being used would need to be stamped.

States that require a notary seal
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming.

States that do not require a notary seal
Kentucky, Louisiana, Maine, Massachusetts, Michigan., New Jersey, New York, Rhode Island, Vermont These states have specific requirements if you choose to use a seal anyway.

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November 2, 2013

5 or 6 reviews doubles your business?

5 or 6 reviews doubles your business?

OMG! Can that really be true? But, this is not a secret. We tell everyone. Statistically, if you get five or six reviews on your listing, you would get double the calls that you would get if you had no reviews. This is an average, and is not true in all cases. The main thing you have to realize is that people who use 123notary are looking at various things. They are looking to see if you are certified by 123notary (not by NNA). They are looking at your notes section — is yours informative or does it sound like everyone else’s? And most important, they are looking to see if you have reviews.

The top notary didn’t have a review…
Imagine that you are looking at a list of 20 notaries in Wahacha County, State-achusetts. Let’s say that the top notary on the list has no reviews, but someone down the list has fifteen reviews. You might be tempted to call that guy down the list first, and then as a backup, you might call that top notary who has no reviews. Placement on 123notary matters, but so do reviews!

It is a competition!
The most important thing to understand is that notaries who have more reviews than any other notary in their area tend to get more calls. If the notary with the most reviews in your area has three reviews, and you also have three, you are okay. You need to be mindful that someone could get a few new ones while you are not paying attention. But, what if you have six reviews, the next best notary in town has five reviews, and then you slack off. The next thing you know, someone new and enthusiastic might get ten reviews right away, and your phone might stop ringing. This is a competition. Take it seriously. Your income depends on it!

How to ask and who to ask?
You get reviews by asking satisfied clients to write a review for you. Email them a link to your review page as well. Signing & Title companies are the least likely to write a review for you. But, individuals and borrowers who you did a nice job for might be very happy to write a review. Ask everyone, but expect less of those big companies. Every other notary in town is also asking them for a review and they are buried with requests. You might even consider taking on more “regular” notary jobs for individuals, just so it might be easier to accumulate reviews.

Keep reviews fresh!
Freshness of reviews matters too. If all of your reviews are from 2009, people who read the reviews will remember that Janet Jackson song — What have you done for me lately? How come no recent reviews? Think about it.

If you have any questions about getting reviews, ask us!

Please read more about reviews
http://blog.123notary.com/?cat=287

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October 24, 2013

He made $35,000 a month his first year in business?

He what? He made how much? Am I dreaming? Who is this guy?

I just got off the phone with him. I will not disclose his location or name for his privacy. I just talked with a particular gentleman who has multiple listings on 123notary.com. He says these listings bring him so much business that the phone is ringing off the hook and he is reeling in the business. But, $35,000 a month? He says this is his first year in business as a mobile notary. He hires people on salary to drive around and do signings. He pays for the car and other expenses himself and pays them an hourly salary (not big bucks, so don’t get your hopes up). The sheer volume of business this guy is getting is amazing.

Honestly, from talking to him, he sounds like a very cool guy, and very motivated. He fits the profile of a winner in my book. But, still, this type of success is unprecedented in someone’s first year. I understand that the market is picking up for notaries, but still. We have another gentleman who is running a very similar type of operation and very successfully. He has notaries in four or five states and pays them on salary. He gets business right and left and has a huge staff in the office and in the field.

So, if your business is not all it can be, think about what the personality traits of a success story are. There are many successes on 123notary, and you can be one of them. Be an up beat person who gets the job done and doesn’t create obstacles for others. If others create obstacles for you, then create systematic policies for dealing with these problems instead of complaining. Remember — winners find solutions. My idea is to try to adopt the mind-set of someone whose business is off the hook, and that will help you be one of the notaries who is on your way to a huge success!

Tweets:
(1) He bought 8 listings on 123notary.com, hired people to do signings for him & made $35000/month!
(2) If your business could be better, think about what the personality traits of a success story are.
(3) Be an upbeat person who gets the job done and doesn’t create obstacles for others.
(4) If others create obstacles for you, then create policies for dealing with these problems instead of complaining. Winners find solutions.

You might also like:

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

The Notary, The Mafia & The FedEx Drop Box
http://blog.123notary.com/?p=3891

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October 19, 2013

Notarized Document Expired Identification

Filed under: Identification For Being Notarized — admin @ 8:18 am

Using expired identification cards

As a notary public, you will be bombarded with various types of identification — some will be current, some expired, some foreign, and some forged.

Expired ID? Check the issue date!
Some states allow an ID to be used for a particular number of years after the issue date. Many identification cards will document the issue date somewhere on the ID even if they don’t say what that date is. You can kind of guess what that date represents because it is not their birth date or expiration date. Using expired identification cards might be legal in particular states. California and Tennessee allow a notary to use an ID within five years of its origination date / date of issue.

Check your state’s notary handbook to find out the current laws in your state regarding what types of identification are legitimate in your state! Using expired ID cards just might be okay just as long as they are not “too old”.

If you cannot get identification that is acceptable in your state, many states allow the use of credible witnesses that can swear to the identity of the signer. Those witnesses are normally friends, relatives, hall mates, or neighbors of the signer.

You might also like:

What’s your sign? A technique for spotting false ID.
http://blog.123notary.com/?p=19638

Credible Witnesses – the ins and outs
http://blog.123notary.com/?p=19634

Notary Public 101 – Identification
http://blog.123notary.com/?p=19507

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September 21, 2013

$10,000 per month on a bad month

I just got off the phone with a notary who is doing really well who advertises on our site. Business has been better for most notaries recently, but not as good as for this husband and wife team. I will not mention their names or locations to protect their identity.

I talked to them about their renewal. Since our prices can go up or down for a particular position at any point in time, some notaries complain about their new price. If the price goes up, they argue and try to reason with me about how it was less last year. If the price goes down, then they think I was cheating them last year. Either way they get upset and criticize me.

This husband and wife team had a different approach. He said something to the tune of — You doubled my rate, but that is okay! Your site is amazing. We get almost all of our business from your site. I don’t know how you do it. We are making more than $10,000 a month in our notary business.

I was flabbergasted. I had heard the story of the new notary company making $35,000 per month which was an amazing story. But, now another notary making six digits. Unbelievable! So, my faith is renewed in a mobile notary public’s ability to make the type of living that makes other people drool.

Please take this blog entry as an opportunity to take a leap in faith that YOU can make six digits in your notary business. Yes, you have to do everything right, but you can do a bang up job, right?

You might also like:

A detailed look at the Ninja Course
http://blog.123notary.com/?p=4621

An easy way to make $4000 more per year
http://blog.123notary.com/?p=14162

From 3 jobs per week to 3 jobs per day!
http://blog.123notary.com/?p=3940

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July 3, 2013

How to get something notarized if you don’t have ID

If you don’t have ID, many states allow the use of credible witnesses. Two people could identify you before a notary public, sign the notary’s journal, and produce identification themselves.

But, honestly, if you need to get notarized, go down to your DMV and get a state issued identification card. You need it to go to a hotel, rent a car, get notarized, and more. You might need a copy of your birth certificate to get your ID. So, be prepared to figure out how to get your birth certificate. Don’t waste time. It is a hassle when notaries have to deal with clients who don’t have proper identification.

Personally, I have notarized many people. Some lived in bad areas where they got mugged, and the mugger took their identification. Others were old and had expired identification. Get with the program and get your identification ready.

It is sometimes hard or impossible to get something notarized if you don’t have current government issued identification.

Some states will allow the notary to notarize you if they know you well as being “personally known” to the Notary could constitute identification. Most states used to have that law because in the old days people tended to know people in their area quite well. But, most states have changed their laws, and no longer allow the notary to claim to know you as a form of identification.

Now you know how to get something notarized if you don’t have ID.

You might also like:

Show me your identification
http://blog.123notary.com/?p=6353

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Signature Name Affidavit: Not a substitute for an ID
http://blog.123notary.com/?p=3823

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May 9, 2013

Show me your ID

Show me your ID & you need to reimburse me for my lost time!

This is something a Notary typically asks a signer of documents. This time, the signer asked me, the Notary to show him my ID. Puzzled, I asked why. “These days, you never know who you are dealing with”, he said. I reminded him that the Title Company with whom he was working already informed him that I would be coming to notarize the loan documents. Because he seemed persistent and my goal was to complete the notarization & get paid (after spending the better part of an hour the night before printing everything in duplicate – 302 pages — and marking which docs needed to be faxed back), I showed him my Driver License and my business card which had the words, Notary Public next to my name.

The signer then had the temerity to tell me that someone form the Title Company had to reimburse him for the time that he lost waiting to sign the docs. To add insult to injury, he then nonchalantly tells me that because I was the Notary, the reimbursement should come out of my fees. Engaging the signer in this irrational argument with distorted logic would have been tantamount to banging my head against the wall. So, I listened attentively and ignored everything he said about reimbursement. I completed all of the notarizations and signings in 45 minutes and told him to contact the Title Company directly if he had any concerns. On the way out, he playfully asked to see my ID again. I politely said NO but gave him a couple of my business cards to give it to any of his friends who needed Notary services.

Lesson Learned: Don’t argue or engage in heated conversations with the signer who is angry over something you did not cause, contribute to or have any control over. Do your work correctly (you don’t want to go back a second time to correct your mistakes and this time the signer is even angrier because you made the error and what is worse you will not get paid the second time), get out, get paid and move on…

You might also like:

Identification for prison notarizations
http://blog.123notary.com/?p=22139

Notary Public 101 identification
http://blog.123notary.com/?p=19507

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Expired identification
http://blog.123notary.com/?p=8294

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April 13, 2013

FAQ: How much do notaries charge?

FAQ: How much do notaries charge?

How much does a notary cost?
Notary fees vary from state to state. Please visit our Find a Notary page and look up by state, and we have pricing information for most states.

How much can a notary charge?
A notary can charge as much as his/her state of commission allows them to charge.

How much do notaries cost?
You can not buy a notary, so a notary doesn’t have a cost. But, they charge fees for doing notary acts (notarizing). Each notary act has a separate fee, and fees vary from state to state. Visit our Find a Notary page and click on the name of your state for more information.

How much is a notary?
Once again, you can not purchase a notary. But, you can purchase the services of a Public Notary. Please visit our Find a Notary Public page for more state specific information about notary fees in your state.

How much can you charge for a notary?
A notary can charge as much as his/her state of commission allows them to charge for notarizing signatures.

Here are some typical notary questions written in poor grammar:

“How much does notary cost?”
“How much do notary cost?”

You might also like:

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

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Information about notary certificates for various notary acts
http://blog.123notary.com/?p=1834

Read blogs about California Notary issues
http://blog.123notary.com/?tag=california-notary-public

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April 4, 2013

How to get something notarized that doesn’t have a signature

Many people want copies of school transcripts notarized. Especially students from overseas. The notary can not notarize a document that is not signed by the signer. Additionally, the signer must be named in the body of the document to get an Acknowledged signature.

So, how do you get something notarized that doesn’t have a signature?

Simple… The notary can draft up a statement stating that you swear that the contents of the copy of the document are a complete, true, and correct copy of the original. It is even better if the notary can inspect the original and testify in writing to the fact that he/she has verified that it is a true copy.

What about notarizing a copy of a birth certificate or vital record?

Talk to your local county clerk and ask them how to get a copy of your birth certificate. Notaries are NOT allowed to notarize copies of vital records.

How do you get a photograph notarized?
You can’t.

Some agencies are happy if the notary affixed the corner of their seal to the back of the photo, or embossed the photograph. But, you can get a signed statement about the photo notarized, and then staple the corresponding photo to the Jurat certificate — be prepared to swear under oath that that is a true photo of you.

So, now you know how to get something notarized that doesn’t have a signature. You don’t. You simply get a sworn statement and a Jurat that DOES have a statement that you can swear to and sign. Easy! But, if you get an inexperienced notary who doesn’t know what they are doing, then the procedure might not be so easy. Shop around and get a notary who knows what they are doing.

You might also like

What if the signature is in the middle of the document?
http://blog.123notary.com/?p=20525

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Can you send a loose acknowledgment?
http://blog.123notary.com/?p=16168

Notarizing John W. Smith
http://blog.123notary.com/?p=16048

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