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January 3, 2011

How Notary work is similar to online dating

I read some material on how Aziz Ansari was talking about online dating and comparing it to applying for jobs. After reading his commentary, I feel that online dating can be similar to Notary work as well. Here are some scenarios.

After the Signing
After you finish the signing, should you call the borrower to tell them how much you liked the signing or should you text them? This depends on the age of the borrower. If the borrower is in their twenties, definately text them. But, if they are forty or over, don’t text them as they’ll probably prefer a call.

NOTARY: “luved the signing, tx”

On the other hand, if you are going to use broken English in your text, the borrower might get the wrong impression. It might be more professional to say,

NOTARY: “I had a wonderful time at the signing. Would it be possible to sign with you again?”

SIGNER: “I’ll think about it. But, I’m signing with other people these days.”

NOTARY: “Is it anything serious? Oh, I’m sorry. I guess I’m prying.”

Having Too Many Choices
One researcher who Aziz commented on learned that having more choices doesn’t make you happier. Life is sometimes easier when we only have a few choices. As a Notary, this is too true. Notaries who are wanted by hundreds of signing companies can never decide if they want to accept the job. What if a better offer comes in? It’s comparable to a beautiful girl at a dance hall. She has so many choices, she not only can’t decide, but takes them for granted. But, from a Notary point of view, it would be easier if all of the offers for signings came in at once, perhaps five at a time. You could pick two that you liked best based on their profile, and forget the rest. I think this business would be much more interesting if you could view an online profile of each borrower — their likes and dislikes, signing preferences, and interests.

NOTARY: So, what do you like to do on the first signing?

SIGNER: I like to sign on the table. Actually sitting on the table. What about you?

NOTARY: I prefer the sofa. If you have a clip board, it is much more relaxing. But, I hate it when you sit on the floor and use the coffee table.

SIGNER: I know… So, what are you doing after the signing?

NOTARY: Not much. Your place or mine? BTW, what’s your place like?

SIGNER: Well, we’re already at my place, so look around. But, since we’re already here, let’s do more sitting on the table. Cool. That’s my thing!

Opening Up
Some Notaries are just too serious at the signing. If you want the signers to open up, you need to be less serious. Instead of discussing the prepayment penalty. Get to know them a little better by discussing your last trip to the circus, or what happened on your last date. Or tell them about funny things that happened on your way to the signing. It’s always awkward on a first signing. So, learn the techniques of making your first signing less awkward.

Put yourself in the Notary’s shoes
Sometimes it might be easier if the borrower put themselves in the Notary’s shoes. They should realize that it is his first time signing with you. He doesn’t know you. He doesn’t know how he’ll react to you. Sure, he read your profile and knows how much you like borrower and signing pieces of paper. Also, try to understand all the different houses the Notary needs to go to and how demanding the job is.

What not to do on the first signing
One Notary did a signing for a borrower who was a little bit forward.

SIGNER: Would you like a Hershey’s kiss at the end of the signing.

NOTARY: “Sorry, I don’t accept Hershey’s kisses on the first signing — I’m not that kind of Notary!”

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You might also like:

Yes, it’s the Notary Dating Show!
http://blog.123notary.com/?p=15312

NotaryMatch.com — a dating site for Notaries
http://blog.123notary.com/?p=8706

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The Starbucks notary wises up!

Our notary got stood up at Starbucks the other day, and did what Bostonians call “wising up”. The next night, our notary friend was too tired to travel, unless the price was right. But, he got a call.

9pm… ring ring.
Notary service

Hi, my name is Jim, are you a “notary republic?”
A republic is a country. I am not a country, I am a notary, and I am open to the public — and the public is you
Oh… (long pause). Can you notarize a document?
Yes, that is what I do.
I don’t want to pay a travel fee.
No problem. Meet me at my local Starbucks. Can you come right now?
Sure… Where are you?

I’m in Glendale, how far are you from Glendale?
About 20 minutes.

Great, meet me at 9:20… I can’t schedule after that in case I get a paying job with a travel fee. If I schedule later than that, I might have to give up a $100 job in order to accomodate your $10 job. Understand?
Sure, I guess.

9:15… ring ring
Notary: Hi Jim
Customer: It is not Jim, I am Samuel. We need a notary tonight in Burbank. We are going on a trip and need travel documents. We can pay you $100 travel fee if you can do two signatures included.

Notary: Speak of the devil, I just told my last client that I might get a $100 job tonight. It is the power of positive thinking. Tomorrow night I am going to tell everyone that I might get a $200 job.
Customer: Why stop at $200 — go for $300, just as long as I am not paying!

Notary: So, when do you need service by?
Customer: We are leaving at 11pm, so get over here as soon as you can.
Notary: I have a 9:20pm appointment at Starbucks. If he doesn’t show up on time, I’ll just come on over and should be there before 10pm. If he shows up, I’ll tell him that his appointment is 10 minutes and that I have to run, in which case I’ll be there around 10pm.
Customer: Super.

So, the Starbucks notary meanders down to his favorite hang out spot — Starbucks — of course — isn’t it all of our favorites?
He waits until 9:20pm and then gives three minutes grace period just in case Jim didn’t synchronize his watch to nuclear time. At 9:23 Starbucks notary leaves just as he sees a nervous guy who lacked confidence driving up. Starbucks notary thought — I don’t have time for this, the guy didn’t even call to let me know he was close. So, our notary friend drives off to Burbank. Meanwhile keeping the phone by his side, he anxiously waits for his #1 client to call him and wonder where he was. But, the phone didn’t ring.

At 9:34 our speedy notary arrives at the destination at Burbank, CA. He notary bag by his side, he energetically prances towards the front door. Samual greets him with his document all ready, and five crisp new twenty dollar bills eagerly waiting to be received by our notary friend. The notary checks their identification, takes paw prints, notarizes their signatures, collected his money, and by 9:41 is ready to leave with his wallet fat with cash and then…

ring ring…
Ummm. this is Jim… didn’t we have an appointment at Starbucks?
Notary: Yes Jim, We had a 9:20 appointment and I was at Starbucks waiting for you, but you didn’t show up. I had a conflicting appointment. If I had waited for you, I would have missed my other appointment — and they were ready to go — and not late like you.

Oh… I didn’t realize I was late. I showed up at 9:24.
Notary: You didn’t confirm that you were nearby, and I had to go. But, on a brighter note, I am coming back, and I can meet you at Starbucks in about nine minutes.
Jim: I don’t think I like how this arrangement is going
Notary: Well, I am the one who kept my end of the bargain at the risk of losing a much more lucrative job. You were the one who would have made me late. Maybe it is I who should be the one who doesn’t like the arrangement — hmmm?
Jim: Never mind, I’ll just go home and get it notarized tomorrow by another “noterizer”. Good bye!
Notary: Well, you got a free travel fee out of me. I traveled from my house to Starbucks. My fee is $10 travel fee. You can mail me a check for my trouble.
Jim: No way… besides, I’m the one who did most of the driving… see-ya.

Tweets:
(1) A client wanted to save $ & agreed to meet the notary at Starbucks, but kept the notary waiting for 45 minutes.
(2) The notary waited until 9:20 for his $10 client to show, then had to run to a $100 paying gig!
(3) When you wait for a client to show up who’s late, ur held hostage w/o waiting fees or travel fees.
(4) If customers come 2u, let’em know if they don’t show up on time, they’ll only have 3 minutes grace period.

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January 1, 2011

Noternity Court

I’m tired of seeing all of these late night shows about people who can’t keep their pants on. Then, someone gets pregnant, and they don’t know who the father is. What is the future of our country if we can’t even bear children with two sane parents who are married I ask?

In any case. There is a new show call Noternity Court. There are some states that don’t require the use of a notary seal. The problem is, that if the notary’s handwriting is bad enough, you won’t be able to tell after the fact who notarized the document.

JEFF SIMONS: Your honor, it was 20 years ago. I can’t possibly remember if I notarized that document.

SAM (client) : It’s him… I swear it. If you overlook the balding head, the wrinkles around his eyes, and the extra 50 pounds he gained, that’s the same guy.

JEFF SIMONS: How can you be so sure?

JEFF SIMERS: Yeah, I have almost the exact same name and our signatures are so similar, how can you tell the difference.

JUDGE: You’re speaking out of order. Now, I’ve submitted your notary commission signatures and identification to a signature analysis crew. If necessary I’ll also have you take a lie detector test. Since the analysis is late. Let’s start with teh lie detector.

TECHNICIAN: Now, that we have you all wired, up I’m going to ask you a few questions.

JEFF SIMONS: Okay

TECHNICIAN: Is your name Jeff Simons.

JEFF SIMONS: Yes

TECHNICIAN: Were you a notary public in the year 1995

JEFF SIMONS: To the best of my knowledge.

TECHNICIAN: A simple yes or no will do. Our records show you were. Now, did you notarize with anyone else during the period when you were notarizing for Sam.

JEFF SIMONS: No, he was the only one.

TECHNICIAN: (pause) He’s telling the truth.

JUDGE: Okay, we have the signature analytics back. The analysis shows that … (pause)

We adjurn this court session for a special announcement.

There is a sale on journals at the ANS — Antiquated Notary Supplies. Don’t do a notary entry without a journal! Otherwise you might end up in Noternity Court.

JUDGE: Now, since your state doesn’t require you to use a notary seal or notary journal, it is very difficult to qeury a particular notary transaction. Do you know how critical these transactions are? What if you were signing off a Deed to a five million dollar property, and your handwriting was so bad they coudn’t tell who the notary was. I think you need to take your jobs a whole lot more seriously. Now, we got the DNA results back, and the handwriting analysis. Jeff Simons…. you are NOT, the notary!

JEFF SIMONS: I’m not? I can’t believe it. That’s fantastic, because I’m broke and can’t make any notary support payments.

JUDGE: Jeff Simers, you have a similar name to the other Jeff, but you are also not…. the notary!

JEFF SIMERS: I’m not? Well, who is?

JUDGE: The notary’s name is Jeff Somors, and he died in Nebraska many years ago. So, we can’t summon him

MEDIUM: Speak for yourself, we can do a seyonce.

JUDGE: Now, you’re talking, but that is not permissable in court. After all, how could we prove the identity of the spirit?

MEDIUM: The way we prove anyone else’s identity. Just have the spirit sign something, and ask your handwriting analyst!

JUDGE: I think we’re on to something!

Court Adjourned!

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You might also like:

Notary dragged into court
http://blog.123notary.com/?p=2635

Are you a Yes-tary or a No-tary?
http://blog.123notary.com/?p=16626

Can you send a loose acknowledgment? You should hear the answers!
http://blog.123notary.com/?p=16168

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A 2nd Date With jeremy

A 2nd date with Jeremy

Sealia and Jeremy hit it off, so much on their first date, it was time for a sequel. In fact, they had gotten to know each other so well, that if they were notarizing each other, they would say “Personally known” instad of using satisfactory evidence to identify the signer.

Sealia: “We know each other so well, we can complete each other’s Jurat verbiage”
Jeremy: “I know!”

So, this dynamic duo decides to see the movie, “A Case of Mistaken Identity”. It is a movie about someone who was notarized using a stolen ID card. The police were informed, and then arrested the wrong person. In any case, Jeremy asked
what type of rating the movie had, such as “G”, “PG”, “R”, 2 thumbs up, etc. Sealia replied that the movie got four stars on Notary Rotary.

The couple drove to the theater and parked. Jeremy wanted to use a credit card to purchase tickets.
The ticket lady said, “May I see some ID please?”
Jeremy misheard her and thought she asked the name of the movie he wanted to see.
Jeremy said, “A case of mistaken identity”
Ticket Lady, “No, there’s nothing wrong with your identity, the picture on this ID looks just like you, and your eyes really are blue — hold on, let me take a closer look — yup…”
Jeremy: “No, not the ID, the movie”
Ticket Lady, “Oh, so you mistook the identity of the movie!”
Jeremy: “No, I mistook what you said when you asked for my ID”
Ticket Lady, “Never mind, your credit card and ID are fine… what movie would you like to see?”
Jeremy: “Two tickets for A case of mistaken identity”
Ticket Lady, “Here you go! Enjoy the show!”

Then, the couple go to the consession stand. They see all of the popcorn and other treats, and ask if they have any good consessions. The attendant said, “We actually have notary consessions — we have a voucher that states that if the notary makes a mistake, that the return trip to correct the mistake is free as a consession.” Then, Jeremy asks, “Does that consession voucher come with a complimentary bucket of popcorn?” Then, the attendent responsded, “Yeah, for another $6.25, I’ll make that consession.”

Then, our conceded (but, not conceited) couple proceeded to get seated. Then, the lights were dimmed, and the movie began.
Jeremy: “Oh no, what if the ticket lady gave me back the WRONG ID? I better check my wallet!”
Sealia: “You are paranoid, I saw that she gave you back the correct ID, and your Credit Card!”
Jeremy: “Next time, I’m paying for the movie using paypal up front, like Ken gets paid for his signings — It’s much easier.”

Then the movie starts. They get to the point of the movie where the very best scene happens — well, the best scene according to Jeremy. The scene where they show the sworn Oath. Then a big fat guy tries to walk across the row in front of them to his seat. Jeremy is livid that fatso would prevent him from seeing the Oath. So, Jeremy gets out of his seat, and sticks his head to the left of Fat Albert, and then when Albert moves to the left, Jeremy stuck his head to the right.

Movie seer: “Hey, do you mind?”
Jeremy: “He’s blocking my favorite scene!”
Movie seer: “Well, I want to see the Oath too, buddy”
Jeremy: “You want an Oath? I’ll give you an Oath… I SWEAR I will if you don’t shut up!”

They finished the movie. The police arrested the wrong guy, but after they fingerprinted him, they realized that the real criminal was still on the

loose. So, they let the falsely arrested guy go. Then, our duo walks down past Mann’s Chinese theater in Hollywood and see handprints and signatures. But, there are no Acknowledgments for the signatures! If we see some wet cement, we need to put a mold for an Acknowledgment form in the cement! We’ll put it with an imprint of my embosser next to Roy Rogers signature, that will trigger a reaction!

Next it was time for a hike in Griffith Park. We went to hike to the Hollywood sign.
Sealia: “This would be a great place to notarize — you sign next to the Hollywood sign!”
Jeremy: “Why not notarize the Hollywood sign itself?”
Sealia: “Wow, you think big. You can do that?”
Jeremy: “No”

ring-ring
Jeremy: “123notary, this is Jeremy”
Caller: “Yeah, you have my named spelled wrong on my listing!”
Jeremy: “You are interrupting my date to tell me this? Couldn’t you just send me an email? I’m not next to a computer right now”
Caller: “Never mind, I’ll call Carmen”
Jeremy: “Carmen cannot solve that problem either. Just send me an email”
Caller: “In that case I’ll call Sally”
Jeremy: “This conversation is over!”

Meanwhile, the NNA hiking group was walking up the hill, getting a guided tour of the Hollywood sign area. They gave a speech where they named the Notary of the Year. They called Jeremy to stand in front of the sign and said, “We appoint you, Brad Mulligan as Notary of the Year!”

Jeremy said, “I”m sorry, but I am not Brad. I think we have a case of mistaken identity!”

Tweets:
(1) Sealia & Jeremy got to know each other so well, that if they were notarizing each other, they would say “Personally Known.”
(2) (at the movies during the Oath scene) You want an Oath? I’ll give you an Oath. I swear I will if you don’t shut up!
(3) “We know each other so well, we can complete each other’s Jurat verbiage”

You might also like:

My date with Jeremy
http://blog.123notary.com/?p=4473

123notary behind the scenes
http://blog.123notary.com/?p=2499

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December 18, 2010

Notary Etiquette from A to Z

Notary etiquette from A-Z

Here are some basic rules of notary etiquette to keep you out of trouble and on good terms with your clients.

Don’t park in the driveway?
But, that is what driveways are for. They are for parking in. Wrong! They are for the borrower to park in, but NOT for you to park in without permission. You could be taking someone’s spot, or blocking someone. You might be leaking coolant on their driveway too. If there is a snowstorm and a snow plow will destroy your car, or if there is nowhere else to park, then ask to park in their driveway. Most people will not mind if you park in their driveway, but a few will mind.

Introduce yourself at the door.
Its good to have a pre-canned speech to give at the door. Let the borrowers know your full name, and that you will be assisting and supervising (facilitating) the signing of their loan. Let them know that your job is to introduce the documents and figures in their loan, but not to actually explain any of the concepts particular to their loan. Let the borrowers know that the lender is the only one qualified to answer specific questions about their loan.

Confirm the signing
Its polite for the notary to call the borrowers and confirm when they will be coming, and especially who is to show up at the signing. If Aunt Matilda is on the loan documents, she needs to cancel that visit to the hair salon and be at the signing.

Don’t make unpleasant remarks
Don’t make negative remarks about anyone regardless of whether they are associated with the loan or not.

Don’t discuss politics
Stick to talking about neutral topics like traffic and weather. Politics can run people the wrong way. Freedom of speech does not apply to notaries on the job. You have more freedom of speech in Moscow than on a signing. Talking about the wrong subject matter can get you off of a signing companies list, and then you lose work.

Speak clearly
A notary who mumbles, or speaks incoherently will not be a favorite with anyone. People need you to enunciate on the phone and in person.

Don’t rush the borrowers
Unless you agree on the length of your signing ahead of time, its rude to rush the borrowers. If you are having a night with ten signings and you will be late to all of the rest of the signings, then you are in a pinch. If you legitimately have to leave at a certain time, you can mention that you have to leave at 8pm, and that they are welcome to read their borrower’s copies for the next 72 hours and cancel the loan if they are not happy with any of the terms or figures.

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You might also like:

Compilation of posts about Notary etiquette
http://blog.123notary.com/?p=20505

Notary Marketing 102: Phone & communication etiquette
http://blog.123notary.com/?p=19764

What are Jeremy’s favorite blog entries?
http://blog.123notary.com/?p=18837

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November 29, 2010

12 Points On e-Notarizations

e-notarizations information

Each state has different standards for e-notarizations. Please remember that e-documents and e-signings are completely different from e-notarizations. Here are some points about e-notarizations that are interesting.

(1) To do e-notarizations you need a special authorization from your state, and not all states allow this. The rules are completely different for e-notarizations and the types of documents you can notarize are limited as well.

(2) LindaH in our forum stated on 1-05-10 that the NNA is no longer supporting the ENS program (Electronic Notary Signature). There were technical challenges offering that particular technological product. There are no unified standards for e-notarizations which was part of the problem.

(3) ENJOA is an electronic journal. e-Notarizations require the use of an electronic journal and can not be completed with a regular journal. e-signings use a regular journal by the way.

(4) BobbiCT claims that in Connecticut that multiple documents can serve as “originals”. He states that physical documents can be scanned and used as electronic documents that receive an e-notarization.

(5) Many states do not allow a recorded document to have an e-notarization. Recorded documents are often documents effecting real property which is too critical to risk security issues relateing to e-notarizations.

(6) Its common for states to set up e-notarization legislation years before the first e-notarization is completed and years before the first e-notary is appointed in their state. States are thinking ahead. The problem is there can be many bugs in the new systems that are in place which make e-notarizations potentially less secure than “brick and morter” notarizations.

(7) Biometrics can be used on e-signatures on e-notarizations to record the speed of the various strokes involved in a signature. This is one excellent way to deter fraud. Its easy to forge a signature, but no fraud would be able to figure out what the speed of each stroke of the signature would be for a particular individual. There are too many strokes involved.

(8) An e-journal is required for all e-notarization acts. To get an e-journal, you would need to set up an account with a company who provides an e-journal system. You would probably need a login and password to use your journal, and god forbid if the server went down.

(9) 123notary doesn’t know of any particular notaries who have done an actual e-notarization. It sounds like fun though.

(10) LindaH claims that many borrowers she had talked to would not be thrilled if they were asked to be involved in an e-notarization.

(11) LindaH claims that its the state governments that are not prepared to handle e-signatures.

(12) Perhaps private industry and title companies might be ready, but if the county recorders can’t handle e-notarizations, then they can’t be used for recorded documents such as deeds, etc.

You might also like:

e-signings vs. e-notarizations

Reverse Mortgages general information

Stories of notaries that fail and what they did wrong!

The pros and cons of eNotarizations

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November 2, 2010

Jail Notary Jobs from A to Z

Have you ever done a jail notary?

Have you ever visited a Jail? Would you be afraid to go to one?
In reality, a jail is a very place place to visit. There are guards everywhere, and the bad guys are behind bars. Notaries make a pretty penny notarizing at jails, in fact some make so much it should be criminal to charge that much! You can charge a lot higher travel fee going to a jail because its a lot more trouble than a regular signing, and few notaries are willing to go. There is also more to know. Jail signings are usually the result of physical or online yellow page advertising, not directories that cater to loan signings ( such as ours ).

Who hires you to do a jail signing?
If you are called to do a Jail signing, it is never the inmate who calls you, but their girlfriend, family member, or attorney. The inmates don’t want to blow their (1) phone call calling a notary – and I don’t blame them. You need to arrange a time and meeting point near the jail where you are sure to be able to spot each other – at the same place at the same time. Its easy to get lost at a jail.

Idenfication for jail-birds
When you get the call, ask them if they have identification for the signer, and if they do, then have them read it to you – including the expiration date, before you book an appointment. If they don’t have ID, don’t use the jail bracelet wristband, thats not acceptable by notary standards. You might be able to use credible witnesses if you can get two of them who have ID that is current – if credible witnesses are allowed in your state. If you can’t get identification, you might be able to do a Jurat which doesn’t require identification in most states. However, California now requires ID for Jurats as well. Unfortunately, most documents such as a power of attorney or grant deed are normally done with an acknowlegment, not a jurat. But, you can attach a Jurat form and hope for the best. A recorded document might not be accepted for recording if its not done with the proper wording, but you never know.

Where do you meet your client for a jail signing?
You have to arrange to meet a stranger at the jail at a certain time. Jails are large confusing places, so it might be better to meet at a well marked street corner. If you meet in a jail, you might not know which part of the jail to meet. Waiting room? Hall to the waiting room? Front dest? Out side the bront door? IN the parking lot? Its easy for two people to be at opposite ends of the same facility or get lost. Make sure the person meeting you has a cell phone and make sure you confirm with them, otherwise you might be making a trip for nothing. Jail notaries are not for the elite of society and blowing off a notary would not ruffle the conscience of most of your potential clients for this type of job.

Logistics at the jail.
Once you are actually at the jail, you meet the client, and then fill out forms with the guards to be granted permission to enter. Make sure you know what cell the inmate is in and that they haven’t been moved. Be prepared to wait – jails have a very different sense of time from the way a busy notaries sees time. Follow the instructions for where to go, and then find a guard to bring the inmate to you once you are there. You will have to pass your journal and forms through slits with help of the guard.

You might also like:

Find a Notary who can notarize at a Los Angeles County jail
http://blog.123notary.com/?p=21349

A typical botched jail job: fees at the door misunderstood
http://blog.123notary.com/?p=2597

Putting hospitals & jails in your notes section on your profile
http://blog.123notary.com/?p=19266

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September 27, 2010

Hospital notary job tips from A to Z

Hospital notary jobs are a great source of extra income for signing agents. However, there are many pit falls and delays. Learn to do your homework so you can minimize the problems of this type of job. Hospital notarizations are always much more time consuming than regular notary jobs, so charge at least $50 travel fee and be prepared for signers and family members who do not have their ID’s and documents ready.

Call first to find out if the signer has ID

If you are doing a notary signing for someone in the hospital, chances are their family members will be calling you for the signing. The signer will generally be elderly, and elderly people who are not self-sufficient typically have expired identification. Find out what the signer’s identification is before you go to the signing. Have someone read the ID type, state of issue, number, and expiration date. The client will tell you false stories otherwise. They will say, “Oh, she has a passport”, and then when you get to the signing you will find that they only have a social security card, and can’t even find it.

Confirm the signing and identification

When you confirm the signing, confirm where the ID is, and make sure the person on the other end ofthe phone is HOLDING it, or you will never find it. Elderly people can never find their identification if they even have any. They will sit with you on the sofa and go through the contents of their entire wallet. You will see decades of history unravel before you, and will be kept waiting a long time. They will offer you every type of unacceptable ID known to mankind, and will offer you everything except for an ID that you can really use. Make sure the client who calls you knows where the ID is, or you will be sorry.

Does the signer understand the document?

Make sure the signing can explain the document to you, otherwise they shouldn’t be signing it. If the signer is so incapacitated that they can’t speak, then you should not notarize them.

Can the signer sign their own name?

Find out if the signer can sign their own name before going to the signing. Family members will always assure you that they can sign. But, medical situations change quickly, and once the notary arrives, the signer is often drugged or incapable of speaking coherently or signing anything. Have the family members make the signer sign something before you book the appointment. When the client calls you and you ask them to sample the elderly person’s signature, the elderly person will always be sleeping, so they can’t test their signing skills, but you will be assured that after you drive two hours to the signing, that the person will be able to sign properly.

Is the signer drugged?

Make sure that the nurses know not to drug the signer within eight hours of the signing. Make sure the family members of the signing are watching the signer at all times to make sure the nurses don’t slip them any valium, otherwise the signing is off.

Confirmation an hour before the signing – a list of questions to ask.

(1) Is the signer awake? Waking them up at the last minute takes a long time.

(2) Is the signer drugged? Valium and signings don’t mix.

(3) Can the signer sign their name? Have the family member test them out before you drive.

(4) Do you have the ID in your hand? Please read it to me again. Otherwise you’ll never find it.

(5) Do you have the document(s)? Please confirm you are holding them in your hand. Don’t let family members drag the person’s arm while the signer is grabbing the pen. If the daughter moves the signers arm around, then it is the daughter signing for the person. If the signer can’t sign on their own, the signing is off. You can do a signature by X if you know the procedure. However, the family members may use their arm as a fixed brace, so that the signer can have some physicall support for the signing. Make sure the family members’ arm doesn’t move around to assist the signing.

What should I charge?
Travel fees for hospital jobs should be anywhere from $40 to $80 which should include the first 30 minutes of waiting time.  Hospital notary jobs are risky, because the signer may not be able to sign — which means you might not get paid.  The signer could die before you arrive as well.  The families of the signers rarely have their paperwork and identification all in order which ensures you at least 20 minutes waiting time, even if you double check to make sure they are prepared.  Charge whatever your state allows per signature and a hefty travel fee IF YOUR STATE ALLOWS travel fees at all. Our forum documents roughly eight states with travel fee restrictions which puts a stranglehold on your whole livelihood.

You might also like

Notarizing for the elderly. Do a little digging to find out if the transaction is legit.
http://blog.123notary.com/?p=20038

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

Do you like your job? A story about a notary who was kept waiting.
http://blog.123notary.com/?p=617

Jail notary jobs from A to Z
http://blog.123notary.com/?p=151

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September 7, 2010

Everything you need to know about journals

Everything you need to know about notary journals.
Not all states require a journal of official notary acts. However, it is wise for notaries to keep a journal, as it is a record of all notary acts that they have ever done. A notary journal is a bound and sequential book containing records of all notary acts done by a particular notary. If a notary completes all the entry of a particular journal, they can start a second journal.

What goes in a journal entry?
(1) The date and time of the notarization
(2) Type of notarization
(3) Name of the document and document date (if there is one ),
(4) Name and address of the signer
(5) Type of identification ( personally known to the notary, credible witnesses, or ID document )
(6) State/Country, Serial #, and expiration date of the ID.
(7) Additional notes
(8) Signature of the signer
(9) Thumbprint of the signer
(10) Notary fee charged (if any)

The additional notes section is a part of the journal not understood by many notaries.
If credible witnesses are used, their signatures and ID’s should be recorded in the additional notes section.
If any unusual situations arise during the notarization, or there is anything unusual about the signer or the venue, that should be documented in the additional notes section. If travel fees are charged, that too can be documented in the additional notes section.

Journal thumbprints
Not all states require journal thumbprints. However, documents effecting real estate or large amounts of money should have a journal thumbprint accompany their notarization. A thumbprint is the only absolute way to identify a signer if fraud is suspected. ID cards and signatures can be forged, but a person’s thumbprint is unique to that individual. If a notarization is ever investigated due to suspicion as to the identity of the signer, a thumbprint can end the investigation cold in its tracks and possibly save the notary from having to appear in court.

Lock and key
The notary must keep their journal under lock and key. Bosses, co-workers, family members, and strangers alike are not allowed to inspect the notary journal without the presence of the notary. They are not allowed to do notarizations with the notary’s seal and journal under any circumstances.

Lost, stolen, or damaged journals
If your journal gets lost, stolen or damaged, contact your state’s notary division immediately and let them know what happened in writing.

What do you do with your journal when your commission is over?
If you don’t renew your commission, ask your state notary division what to do with your journal. It is most likely that they will need to be submitted to your county recorder’s office.

Where do I purchase a journal?
Notary journals can be purchased from the NNA, or from many other vendors on the internet. Some local office supply stores might have journals too, although that is not a predictable place to buy journals unless you are sure they have them.

How many journal entries do I create?
If one signer signs one document, create one journal entry. If one signer signs two notarized documents, that would necessitate two journal entries. If three signers each sign two notarized documents, thats six journal entries, all of which need to be signed by the corresponding signer.

Where do I keep my journal when I’m not using it?
Keep it under lock and key. You can have a notary carry all bag with a mini-lock, or keep it locked in a desk drawer to which only you have the key. Nobody else should ever be able to access your journal

What if someone has an inquiry about a particular journal entry?
Just ask them what the date of the notarization was and the name of the signer, and look it up in your journal. If you have several journals in your archives, you may have to go through your archives. You can make a copy of the journal entry and send it to the person making the inquiry, but hide information pertaining to notarizations of other individuals on that same page.

Tweets:
(1) A journal entry must include: time & date, type of notarization, doc name, name & address of signer…
(2) Journals must be kept under lock & key and returned to the county clerk at the end of your commission.
(3) Learn the finer points of journal entries: where credible witnesses sign, thumbprints & notes.
(4) Everything you need to know about journals, but were afraid to ask.

You might also like:

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

How do I fill out a Notary Journal entry?
http://blog.123notary.com/?p=1725

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August 3, 2010

Funniest things that happen to Signing Agents

Funny situations at signings for signing agents
Signings are usually very normal, but our notaries and signing agents have seen almost everything from roach infested houses, to naked signers, to having a tornado come to the signing. Here are some noteworthy experiences that are from our FACEBOOK profile on May 25th, 2010. WHICH ONE IS THE FUNNIEST?

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Chicken coops
I had to walk around the chicken coops while he collected just hatched eggs. I brought home a 1/2 a dozen.

The two year old
A two year old decided to take all our blue pens hide them and mom could not find them, Lesson keep more pens in the car.

The angry husband
It was probably when a couple began arguing with me present. The husband yelled that she never let him read anything in peace or make a decision so he took his car keys and screeched out the driveway only to end up accidentally running over his kid’s bike in the driveway. We had to wait for him to return so that he could sign the papers as well but… She kept muttering under her breath that he doesn’t understand what he’s signing so what ‘s the point (had to agree with her he seemed unnecessarily confused). Funny thinking about it now but it was dramatic and awkward then. Only two weird incidents like this but they stick out like sore thumbs lol

5 dogs & 3 kids
As a signing agent, I had to notarize for a couple who had 5 HUGE dogs and 3 super hyper kids, that were taller than me, mind you I’m only 4′ 11″ (in high heels! lol ), before I even rang the door bell, I knew it was going to be a challenging job, there were toys all over the front yard, and of course there was a HUGE gate, that I had to get on a tippy toes in order to reach the latch, I walked to the front door, and sure enough, as soon as one of the kids answered one of their huge dogs decided to jump on me and smell me!! to get to know me of course! lol, oh man, I’m cracking up just remembering! The family was so friendly and full of love, it was not a bad experience at all after I shared all my extra pens and paper with the kids.. they were so sweet they even took my business cards and handed them out to their friends and colleagues, I really appreciate that! All in a notary’s day’s work!!

The mistress
I had called the Borrower the day before to confirm, and for some reason I guess the Wife thought I was the Mistress, because that night at 2am, I received a phone call, screaming at me, yelling at me, asking me why i was cheating with her husband, etc!!!!. When i arrived in the morning to the signing, it was the most awkward thing in the world!!!

He had the H1N1 Virus and died soon after
Was told by the signer if her boyfriend came home to grab the papers and run. That was stressful. But the worst one of all happened in April of this year. The signer was an old man with a walker. He started the conversation with I have the H1N1 virus with a 102* fever. He said “Is that okay with you?”. I told him to go home, get better and then resign. I called a few days later and he had died. Very sad.

The little boy
I went to a signing out in the middle of nowhere. The little boy, probably about 4, comes running out and hugs my legs. The Daddy tells him to get back in bed, he hugs tighter, Dad starts to count to 3.. I tell him you better run. Just as his Dad gets to 3, he tears loose and runs and jumps in bed. Then he yells out.. “Hey Lady, whats your name?”.. I say Susie, he yells out “Good Night Susie”..

The naked daughter
Awkward…at a extravagant house w a couple in the morning. Middle of signing the 3 year old daughter comes running out naked. Wouldn’t stop jumping all over the couches and running around. NAKED.

The argumentative selling agent
I had a sale in which the Selling agent and the Seller were arguing. The Selling agent had called the police because he said their dog had bit him when they conducted the final walk through. The Seller’s insisted it did not happen. It was a hostile closing environment until the agent decided to drop his pants to show the teeth marks on his buttocks! I was in tears from laughing so hard. It remains my funniest closing to date.

Can you help give birth?
I was scheduled to do a closing and the borrower called me the morning of to cancel unless……..I was willing to come to labor and delivery as the wife had gone into labor that morning…..but they really wanted to sign that day. I called the company and they said it was my call. I decided to go. They had to get me cleared through security. We would sign a few pages and take a break, then sign a few more and take a break. I did let them know that they could kick me out at anytime…..lol. We did complete the closing. I didn’t stick around for the birth and don’t know if they named the baby after me or not…..but it has been a great story to tell!

Signing on the hood & Affidavit of &#%
There are a couple of them that stick out in my mind.
1- the request to notarize an affidavit saying this lady never had*****with another ladies husband. people think just because i notarize it it is the truth.
2- the lady who insisted i come to her home at 11 pm and sign documents on the hood of my car, down the block cauz she didnt want her boyfriend to know what she was doing. Oh yeah, she snuck out of the house through a window in her nightgown lol. And she was a fairly large woman.

1 – I went into labor at a signing and tried to hide it from the borrower because the first comment he made when I walked into the front door was, “you’re not going to have that baby today are you?” (I did actually)
2 – I had a borrower on a reverse mortgage closing who was expecting me to arrive with a brief case full of cash because he was receiving $70,000 as a lump sum disbursement. Also, he lived in a mobile home on blocks and planned on putting the cash in a floor safe.

Once you get here we can untie my husband
I accepted a signing and when I inputed the address into my GPS, it turned out to be a hospital. I called the client to ensure I had the correct address and she stated, “yes, we are in the lobby waiting for you. Once you get here we will untie my husband’s hands so he can sign this will.” Needless to say, I cancelled!

The tornado
I was sitting at the kitchen table facing the patio, which was high off the ground, doing a signing. It was cold in the house and I thought the borrower had turned on the heat when she got up, but it was too noisy to be heat. My mouth flew open as a huge stainless steel barbecue grill traveled quickly past the patio doors. What I thought was the heat, turned out to be the freight train sound of a tornado! We looked outside and a tree was down, the legs of their covered swing had gone through the side of the neighbor’s garage, and the people across the street had shingles ripped off a quarter of their roof like you would rip the label off a jelly jar. News crews came to cover the tornado while we finished up the signing. My car and the borrower’s house were fine.

Are you allergic to cats & snakes?
As I walked to the door I knew it was bad..bo meets me asks if I am allergic to cats. Um no. Good she said she has 40 and we go in..She turns and asks what about snakes? Um NO..We walk in and cats and snakes..big ones all in and out of cages all over the place..My lungs hurt from the stench..Got out in a big hurry! Yuk!
 
Let us know which one you think is the funniest, and let us know if you have some funny stories of your own. As you can see, our signing agents have a very interesting life — at least from time to time.
 
Tweets:
(1) The notary was asked to notarize an affidavit that claimed the signer never had $&%
w/the other ladies husband!
(2) One you get here (to notarize) we can untie my husband!
(3) One signer asked, “Are you allergic to cats or snakes?” What kind of signing is this going to be?

Other related reading material.

Compilation of Notary sit-com episodes
http://blog.123notary.com/?p=15949
 
Tips on being the worlds worst notary or signing agent
http://www.123notary.com/forum/topic.asp?TOPIC_ID=1910
 
Humorous and interesting posts from the forum
http://www.123notary.com/interestingposts.asp

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