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September 24, 2016

Can a Washington Notary notarize in Idaho?

As a general rule, a Notary can notarize in any county of their state of commission. A few states have some bizarre exceptions to this rule for Deeds of properties that are in the Notary’s home state. Louisiana also has a weird rule that you can only notarize in Parishes that you are commissioned in or ones with reciprocal agreements unless you have statewide jurisdiction. What does it have to be so complicated? And why can’t they have counties like normal states?

A Washington State Notary Public may Notarize in any part of the state of Washington. However, it is allowed for a Washington Notary Public to get dual commissioned as an Oregon Notary Public or an Idaho Notary Public which is very practical if you live near a state border. Notaries in Vancouver, WA often get dual commission in Oregon so that they can service a larger area. Additionally, Notaries in Spokane, WA often become dual commissioned in Idaho as an Idaho Notary Public as well.

If you are in a pinch, and someone out of state needs your Notary services, you can meet them right at your state’s border (on your side of the border) and Notarize them there. It rarely matters what state a person is notarized in, but you could lose your commission if caught notarizing outside of your state’s borders!

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September 20, 2016

Their Signature

Their Signature

Let’s use, as a working definition of Their Signature; “somebody’s name written by him or her in a characteristic way”. Long ago, about a decade, I was often asked to provide “legible” signatures that matched the name signing. I tried that a few times, mostly with dismal failure. More often than not, the signature was totally illegible – more like artwork than written script handwriting.

Now let’s go back a lot further in the past, about two thousand years. Commercial transactions were common then as they are now. Most did not read or write, they made their mark. It was the seal of the Notary, who knew the affiant that validated the “mark”. Nothing has really changed. It is still the Notary who is supporting the validity of the signature.

They can sign many ways, with a pen, with a brush (artsy?), using their hands, feet, knees or mouth to hold the instrument of signing. Keep in mind the Americans with Disabilities Act. We must make reasonable accommodation to all who qualify for our seal. The signature does not have to be the same as, or even similar to the one on their ie: driver license. A lost limb or even both arms does not preclude notarization. Pen held in mouth is fine, the signature will be vastly different – but that really does not matter. Many elderly people have hands that shake, but their minds remain crystal clear.

Their “signature”, however written is the second aspect of accepting the Notary Oath. The first part is communicating a “yes” to the Oath; the signature is the written agreement. As mentioned – often the signature does not match the ID. Of course the picture must. There is one signature that (at least in NY State) must match – and that one is mine. My signature is recorded with the county clerk and for it to be authenticated; my signature on the document must be the same as my officially recorded one. Thus my signature cannot change.

To me what really counts is their printed name somewhere to indicate exactly who is being notarized. If it’s in my “loose ack” – I get to print the name. Sometimes it’s not that clear on the document, that is when I ask them to print their name under their signature. Notaries must take care to delimit their notarization to those actually given the oath and ID checked. When there are “other” places for signature, I often add “by affiant name” to the “sworn to and subscribed”.

Signatures vary greatly. I have seen perfectly formed cursive handwriting, squiggles and minor works of art with flourishes. Many bear no relation whatsoever to the name. Sometimes the same thing is on the ID, sometimes not. It’s my job to determine who they are, not to critique how they write their name. It would be so much more “absolute” if a DNA sample were to be added. Some think a thumbprint would be best; but not everyone has a thumb.

So, I am not a handwriting nanny. When the instructions mandate “clearly written” I tell the affiant what they “require” – and accept what they do. Usually I ask for their routine, standard signature “the way you would sign a check”. In my experience people object to being told “how to sign”. The signature, stamp and seal of the Notary makes whatever it is “Kosher”.

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September 19, 2016

Do you negotiate fees correctly over the phone?

Most Notaries study from loan signing classes, but never study the art of negotiation. Negotiating is not hard, but it is an art. Turks, Persians and Indians seem to excel at this while Americans haven’t a clue. In negotiating Notary fees, the secret is to make sure the other person makes an offer first. If you offer first, it might be too low in which case you’ll lose money. Or it might be too high in which case they’ll think you are too expensive and might not want to bargain. If they offer first, you can raise the price by $15 or $20 and still be in their ballpark or just agree if they are being reasonable.

On the other hand, if you want a reputation of charging fair fees for solid work, you can have a pricing formula based on time spent or even have fixed fees, or mileage fees. If you charge $110 per signing, that seems reasonable. They can always bargain you down to $85, and if it’s not too far, you might say yes and make some fast money.

I remember talking to a sub teacher who made $90 per day. Making $85 in two hours including driving and printing is better than $90 in a day. So, you are making more than teachers who are supposed to be the pillars of education in society today.

The other thing to remember is that you have to get your facts and terms straight before you quote a realistic price. If you don’t know how many pages, fax backs, signers, and notarizations there are, you might not give a true price. If you don’t know if the company is fibbing about the # of pages you’re in trouble too. If you don’t know if you get paid if the loan doesn’t fund, you’re in trouble too. Terms are as important as price or anything else. You can negotiate a $500 price, but if the loan doesn’t fund, you might get zilch.

So, put all the cards on the table before you quote your rate. You can quote first, or wait for them to make an offer. Additionally, most Notaries prefer phone offers to emails or texts because they can bargain more easily. You can bargain in any medium. Just state your rate and state your terms by text, email or phone. It is the same — just more delays in feedback.

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September 18, 2016

He, She, or They?

He She or They

Jeremy and others have often mentioned the “requirement” (in quotes because the laws regarding this issue probably vary by state) to cross out the irrelevant sections in a notary section. They reason that the notary is responsible to redact entries that do not “match” the person being notarized. I disagree.

In the thousands of notary sections that have my signature and seal, over a decade of doing this; not a single one has had the redactions. Not one. And, I have never been “called to task” for not completing the section properly. There is no mention in New York State law requiring such action. The model for the Acknowledgement that I use has both “he she they” and “his her their”; and is taken directly from the handbook for NY notaries. My Jurat is even simpler: Sworn to and subscribed before me by _____.

Long before “gender identity” was a news topic I concluded that I was not the person to determine the gender of affiants. If I am not the one, who is? Well, the best answer is probably the affiant. However, some may consider a medical doctor more appropriate. It could also be a Judge. I do not see it as my function, in MY statement, to declare the gender of the affiant. Now the gender identity issue has become a hot topic in the media. To me it’s a personal issue, one for the affiant to declare or not declare as they see fit. Whatever gender identity THEY say, outside of the notary section; is fine with me.

My sharp eyed critics, and they are legion; will have noticed I included “they and their” as items that I do not redact. They are thinking “surely you should delimit the notary section to one individual when multiple names are not being notarized”. Perhaps, but I offer two defenses to leaving it as is. First, the sole name, when there is only one affiant signing, is clearly entered in the notarization. Secondly, and admittedly this is a bit of a “reach” – the affiant might identify as being of dual identity. One ID, but they consider themselves two persons. Possibly one gender sometimes, different other times. Technically it’s proper for me to enter two names in the notary section when only one person is before me and taking the oath. This comes directly from the NY County Clerk office. If the affiant has two passports with a different name on each document – they have “proved” both names and “they” have the option of having each name entered on the notary section.

With the rampant rise of identity theft and similar crimes; the role of the notary has become more, not less, important in commerce. More important yes, but not of greater scope in our basic function. Many are the “notary signature only” documents I have seen included with the packages. Fortunately for me it is illegal in NY as a notary; to make statements of fact. The most common being for me to state that I have determined the identity of the affiant(s) to an absolute certainty. The State standard is to view “adequate proof” – not absolute proof. These statements by the notary will only admit you to the litigation chain if, in fact, you were conned by a good looking forgery of the ID.

But, let’s get back to the gender issue. A person is a person, nobody will refute that. We notarize people, they come in a wide variety – and it’s our job to accommodate all of them; within the bounds of our respective state codes. I leave my notarizations “open” to be all inclusive. It’s for others to decide issues of gender. It’s so easy to make false assumptions. I have asked the Sister of the affiant to sign on the Spouse line. Ouch, that was awkward for a moment. Clearly including the name, as taken from the ID is what works for me. Of course care should be taken to not provide an “open ended” notarization to which some additional name(s) can be added at a later date. As the County Clerk told me: “You notarize the name as on the ID, nothing else”. Thus, I make no determination as to he, she, or they, and leave the form alone.

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September 15, 2016

One signing — two venues?

Filed under: Technical & Legal — Tags: , — admin @ 11:27 am

It happened many years ago. I had to do a split signing, but not for a split level building thank God. The husband was in Orange County, but the wife was in Ventura. Some marriage they must have had — but, I couldn’t say anything because — I’m just the Notary!

I couldn’t figure out what to put in the venue though. The signing was happening all on the same day, so technically, I could use one Acknowledgment. The signing company insisted that I only use one Notary Acknowledgment for both signers even though the law allows for the use of one per person. Legally, it is cleaner, but not necessarily more legal to do the signing using two separate acknowledgments since each signer was in a different county. But, the signing company recommended something completely different.

Put two counties in the venue? What? Yes, this is exactly what the signing company asked me to do after talking to one of their Notary experts on their panel of in-house specialists. I was to put:

State of California
County of Ventura & Orange

The surprising thing is that the county clerk didn’t complain about this. Lucky me. They could have thrown the whole signing back in our face on a whim but they didn’t. Perhaps because my seal was not smudgy. But, this will be a great story to tell my grandchildren if I ever have any. But, you can’t have grandchildren if you don’t have children and you can’t have (legitimate) children without a wife. Boy, I’ve got to get myself a girlfriend and fast!

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September 13, 2016

The Self Nanny-ing Notary

Filed under: Ken Edelstein — Tags: , , , — admin @ 11:24 am

The Self Nanny-ing Notary

We all hate to be micro-managed by others. But, we really do micro-manage ourselves. We make thousands of little decisions every day. That decision making does not trouble us; it’s a natural part of our daily lives. It’s the intrusive and disruptive that we perceive as being obnoxious. Well, there is a good lesson to be learned from those “newbie” shops that recruit fledgling notaries. They, if one is open to learning from them; provide an excellent tutorial on notary/client communications. That’s an area many of us have room for improvement.

In addition to the baseline of providing a perfectly executed set of documents, you will be judged by your attention to communications. This is one area when “too much” is way better than “to little”. Some examples: I have confirmed the date, time and location with the affiant. I received the documents via email. I printed two sets, some went to letter size, and some went to legal. I have the airbill. I am leaving for the assignment (tells them that you can no longer receive an updated document). I have arrived and am with the affiant. We have completed signing. I am taking the package to the shipper. The package has been scanned and is trackable. I am sending you my W9 and Invoice. Thank you for selecting me, I appreciate your business.

All of that, every time? Of course not – but, as those are typical of the nanny shops; they show information that is meaningful to your employer. If you have a reputation, have done many jobs for them, perhaps only 2 or 3 of the above are necessary. But, if you wish to make a great start with a new client; keeping them informed is really the right thing to do. Not sure if they want a minute by minute email – ask them; let them tell you the level of communications wanted.

Most, but not all, of the example I routinely do. It’s easy with a properly set up cell phone’s email software. Result? Many comment that they like the communications. Keep in mind that even though we receive a modest fee; others are depending on us to earn their substantially larger commissions. And, they do want to know that things are proceeding smoothly. Your updates let them know that no problems have developed; otherwise you would have mentioned them. As mentioned, ask if they would prefer frequent progress updates, or just the final “signed & shipped”.

Today I had a client frantic about a package that had not been delivered on time. Fortunately, it is my custom to either scan or cell camera photograph the drop off receipt and email that with my “signed and shipped” statement. Of course when they supply the airbill they have access to the drop off location and time. However, my email with the client name (the initial “work order” that they sent to me) and the drop off image makes it much easier for them. That email from me ties the client name to a tracking number. It also puts me “out of the loop” at I can prove the drop off was punctual in relation to the signing completion time.

While I don’t permit others to micro-manage me with frequent calls, I have no problem providing very frequent status updates via email. Incoming calls are intrusive, they busy my line; possibly costing me a new assignment. Sending updates via email, short and to the point is the way to go.

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September 12, 2016

What do you lose by not answering a call or being short with someone while answering

Many Notaries feel that it is rude to answer a call during a signing, so they don’t. They they call the person back after the signing when the person calling them is doing something else and might not want to be bothered.

What if the caller is offering you four jobs a week for the rest of your life. That might be worth $100,000 over the course of five years. But, you lost that job because you didn’t want to be rude. Maybe being rude is worth it. What do you think?

Next, what if you answer the call, but are rude to the caller by telling them that you are at a signing. This makes me feel very uncomfortable and tense. Why should I talk to them at all as they are in a desperate life threatening hurry to get off the phone. I usually say, “Never mind!” They don’t know who I am or what I’m calling about. They might be about to get kicked off 123notary, but they’ll never know because they didn’t offer me a chance. Or I might have been offering them some very valuable free tips, but they’ll never know.

If you answer a call, give the caller half a minute or so before you start to hussle them. Otherwise you might as well just not answer the call. It is rude to put someone under that type of pressure by answering the call only to tell them that you either can’t talk, or can’t talk for more than an ultra-tense five seconds. What is all the tension about. Nobody is going to miss a flight. Nobody is going to die if you talk for half a minute or so. They’ll be just fine. So just relax, because you don’t know how much you stand to lose by hustling a caller. You might lose your career or the better part of it.

So, answer your calls and be nice to those calling you otherwise you will lose — and you’ll lose more than you can imagine. You are in a business which requires answering your phone, otherwise nobody can book the next job with you and nobody can develop long term ties to you. If you don’t like answering the phone, then create a website — then you can answer emails!

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September 11, 2016

How do I get a foreign language document notarized?

How do I get an international document notarized?
How do I get a foreign language document notarized?

This is a tricky point in Notary law. The answer is that it depends on what state you are living in. California requires the Notary to be able to communicate directly with the signer which means you need to know the same language well enough to communicate. However, California doesn’t require the Notary to understand the document. Other states might require the Notary to understand the entire document.

The Main Function is to Identify the Signer
The main function of a Notary Public is not to understand the document, but make sure the intended signer is mentioned in the document and is the person actually signing the document. The Notary uses identification documents to identify the signer. Normally a drivers license or passport is used to identify the signer.

Find Out Your State’s Rules
Most states allow notarizing foreign language documents if the Notary doesn’t know the particular foreign language. To find out your state’s rules for whether or not the Notary has to understand the document, you can visit your state’s notary division’s website. Many state notary websites omit critical information about many Notary procedures. So, if your state doesn’t specifically say that you can’t notarize a foreign language document, then it is up to your interpretation. However, the certificate for the notarization (which could be a loose form stapled to the document) must be in English and using wording identical or similar in content to your state’s official notary wording.

Direct Communication with the Signer
Some states allow the use of interpreters during a notarization for the Notary to communicate with the signer. It is not safe to do this as the interpreter could make a mistake or deliberately mislead the signer which could lead to trouble down the road. Even if your state doesn’t require direct communication with the signer, I recommended just to be on the safe side.

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September 10, 2016

The Big Con

The Big Con

First, the “sense of urgency”.
Are you available right now, I mean immediately? I have a situation that demands instant resolution. My documents must be notarized and faxed within the hour. The attorneys are, as we speak, waiting for the notarized documents. Very big money is at stake and I will pay for you to cancel any conflicting other jobs. I cannot go into great detail, time is of the essence. How long will it take you to get to my location, only three notary stamps are required. You can also triple your routine fee. You must agree, the situation is extremely urgent and demands your instantaneous response, at any cost.

Second, a smokescreen about details.
I ask the usual what, where and when, what ID he has; and does his ID match the name on the documents. We can go over all of that when you arrive. I need you to depart now to meet me at the FedEx (location given). Instinctively I perceive a nightmare not a dream assignment. I’m not going anywhere until I have more details. I press on for the details. Mixed in with exhortations about instant departure, some details are reluctantly provided. The job is for a deed and related documents. He only mentions that he has “positive ID”, and the notarized documents were drawn by his attorney and has his name.

Third, an odd New York Requirement
My caller mentions arriving in New York solely for getting the documents notarized. Arrival from Boston was only an hour ago. I am told a story that the document can only be notarized in New York City. Now my BS sensor is full scale. Unless I can be convinced that assertion is truthful, I have been told a lie. So, I ask why only in New York City. I am told it is a requirement of the seller of the Boston property. This makes no sense whatsoever. Still intrigued by the caller’s BS, I ask specifically what ID will be shown.

Finally, the big Con is Exposed
I know you are not going to be comfortable with this but the only ID I have with me is a photocopy of my passport! Just a second, I also have my credit card. I ask: am I to understand that you just flew in from Boston, passed airport security with a photocopy of a passport and credit card? Yes, I showed them the documents, and “due to the amounts involved” they accepted my passport copy at Boston airport. My credit card paid for the flight and that was enough for them. They were more sympathetic than you seem to be about my forgetting to bring my wallet with me when I went to the airport.

Well, I now fully understand the situation. It is totally unacceptable to notarize without the original government issued photo ID. Now for some hostility, though still speaking politely. What kind of a notary are you to refuse an urgent request? Not wanting to inflame my caller, I again stress that notaries are subject to regulations; the same as police and taxi drivers – “It would be illegal for me to proceed”.

That ended my involvement with what I perceived to be a Con. Two of the most “powerful” documents that we routinely handle are POAs and Deeds. But, I submit even the most humble of notarized items require full application of all requirements. A “low level” document is a letter of recommendation for the babysitter. Really? I think not. How would you feel being drawn into a situation where your notary work assisted a “monster” obtaining access to a child; and doing something improper? Terrible, of course. Thus, it follows that each time you sign and stamp there is a risk, but that risk can be managed. Wiser heads than mine have established regulations and guidelines for us to adhere to, without exception. It’s never trivial, each notary act is serious, has potential consequences; and must follow the law, to the letter.

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September 6, 2016

The Rapid Response Notary

The Rapid Response Notary

We frequently see the flashing lights and hear the wailing siren. It could be a fire truck, police car or an ambulance. They know the value of a rapid response, often minutes, sometimes seconds will make the difference between being –on time- or being late. Their systems have evolved to, in many ways; shave seconds wherever possible. They use short radio codes in lieu of lengthy verbiage. Often they send a signal to the traffic light to turn green for them. The classic image of sliding down the pole to the fire truck, so much faster than stairs; is known to all.

While our clients rarely have life threatening situations, they too desire a rapid response. Most of use endeavor to avoid our incoming calls going to voicemail; a good start. True, we make lots of calls ourselves, tying up that very important incoming line. Simple solution: use two phones; they are certainly cheap enough. One should be dedicated to incoming calls, and nothing else. The other is for outgoing calls, and those critically important email and text functions.

You just completed the signing, time to send “signed with no issues” to your client. Soon after you have just dropped off the edocs with FedEx. Being a good communicator you send a second status of “package is with FedEx, scanned, and now trackable”. But, that’s not worth setting up an external keyboard, so you “thumb” it into the tiny phone keyboard. However there is a better way. Install on your phone(s) a macro facility that can generate the standard messages, and many others. I use the “signature” facility in ProfiMail (my email program), to select the appropriate message. It took a while to setup; but now those routine messages can be sent with little effort. More importantly: they are sent moments after the event.

Possibly on your business card you list both your home and cell numbers. When you are out on an assignment and a call goes to your home phone will it be forwarded to your cell? Most phone providers allow this, and if you configure it to forward on the 5th ring, you will have plenty of time to answer the phone when home. The objective is to not have clients connect to voicemail.

I assume you use a Bluetooth hands free device with your phone. Just holding a phone while driving will qualify you for a traffic citation, and possibly a fatal accident. You have the phone mounted where it can be seen and reached easily, great. Another problem, the caller wants to give you some detailed information to write down. Most of the time I request the caller to send me the information via email, and offer my email address. But, they are driving too, or unable to text or email. That is when I ask permission to start the voice recorder in my cell phone. A quick tap of a widget on the home screen starts the recording function in Dictomate.

I prefer a separate GPS device and rarely use the one in the cell phone. At a critical turn, a “pop up” for an incoming call can be annoying. No GPS? – you become a “Delayed Response Notary” while you struggle to ask at gas stations which way to your destination. It’s a good idea to go to the right house the first time. But, the GPS does not indicate which it is in a “cluster”. That’s the time to use a powerful flashlight to find the house number; avoiding the neighbor’s guard dog!

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