September 2016 - Page 2 of 2 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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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.

You might also like:

Notarizing your foreign language document! (Ken’s guide)
http://blog.123notary.com/?p=2768

10 tight points on loose certificates
http://blog.123notary.com/?p=15449

What is a Notary Public?
http://blog.123notary.com/?p=6498

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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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September 5, 2016

Experienced signers are being weeded out of the industry

In the old days, Notaries would make so much money. People could make $150 per signing if they had experience. $125 was a standard fee for Title companies. Unfortunately, even Title companies have lowered their fees to poverty level and hire beginners who fax back tons of pages so the Title company can quality check them. This is a sad state of affairs. But, honestly there is a shortage of qualified Notaries who can be trusted without all of the fax backs.

The problem is that for the few Notaries that are worth paying extra for, there is not enough business. You also cannot make your business model on hiring top notch Notaries since there are so few of them. A top notch Notary on 123notary merits about $110 to $125 per signing and are getting that in real life. There are about 2000 Notaries who are 123notary certified which demonstrates basic knowledge. There are about 250 who are Elite Certified which proves superior Notary skills and understanding. The elite certified Notaries are making the money, but the volume isn’t there. And as a result, many Notaries have dropped out of the profession. It is sad that some of the best Notaries dropped out and even sadder that they dropped out due to price competition.

So, inexperienced Notaries who work for $40 are being phased in while experts are leaving the field. I hope one day that this will change. Let’s pray!

On the other hand, Notaries with experience are weeding themselves off of the SnapDocs database. More and more Notaries are sick of the low-balling and cattle calls that go on over there. They are relying more on their long-term contacts, and other directories as a source of work.

(Added 1-01-2017)
With interest rates on the rise, business is likely to be slow in 2017. Goldman Sachs predicts a slow and steady rise in interest rates over the next year with a tenth of a percent average rise per quarter. This will be very bad for the Notary industry and I pray that we don’t lose our best members.
http://www.marketwatch.com/story/here-are-goldmans-2017-forecasts-for-stocks-oil-and-more-in-one-chart-2016-11-18?link=sfmw_tw

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Organizing the table for efficiency
http://blog.123notary.com/?p=22245

Best blog articles for advanced Notaries
http://blog.123notary.com/?p=14736

My interpretation of how the Notary industry went South
http://blog.123notary.com/?p=16500

See our string of Snapdocs articles
http://blog.123notary.com/?tag=snapdocs

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September 4, 2016

Manhattan Notary Ride

Filed under: Ken Edelstein — Tags: , , — admin @ 12:38 am

Manhattan Notary Ride

Prior to writing this blog installment I chose the 3rd assignment of the following day to chronicle. It turned out to be a routine business document at a midtown location. Like they say “getting there is half the fun”! Note: Dashboard mounted camera for hands off safety employed.

I’m going from 74th and West End Ave. to East 39th between 1st and 2nd avenues. It’s a noisy start; the garbage truck in front of me (with mechanism running and cans clanging) is silent compared to the Cadillac Escalade limo honking behind me. Slowly we advance one car length at a time. Finally at the corner, pedestrians ignoring the “don’t walk” (actually a red hand) cause me to miss the green light. Going west, about to cross Amsterdam Avenue; suddenly a delivery bike, going against traffic (illegal) cuts me off – braking hard – stop in time. A lady seizes the opportunity to push her baby carriage, against the “red hand”, again I miss my green light.

Finally, across Amsterdam, going east on 74th St., it’s narrow, only one lane. In the middle of the block a cab is pulled to the right. There is enough room to go around. I do so slowly, and am able to stop when the passenger exits on the “road” side; not the “curb” side. Got a green light at Columbus Avenue, right turn – almost. There is a “kiddy caravan” – dozens of toddlers literally tied together at the wrist to a central rope. They are taking the pre-schoolers to the park. I’m stuck in the intersection blocking the crosswalk and receive 1/5th of a “high five” from someone.

Finally on Columbus Ave, which feeds into 9th Avenue, part of my downtown route to 38th Street. It’s five lanes wide but the construction at 50th street narrows it to one lane. That area, for blocks has a terribly rough road, 15 MPH to avoid damage. Naturally the cab behind me could care less about vehicle damage – the driver does not own the cab – constant honking and flashing of high beams for me to speed up. I don’t. Now on smooth road to 38th street and a left turn. I cross 8th avenue and come to a stop. This is the theatre district and its intermission; vast crowds overflow the sidewalk into the street. They stand in the middle of the road sipping their drinks and puffing cigarettes. Fortunately the sirens of a fire truck behind me cause a path to open.

I’m crossing the Times Square “mall” area. The place is jammed with tourists gawking at the cartoon characters who, for a fee, pose for pictures. There are also some definitely “XXX” rated characters, “The Naked Cowboy” and some females only wearing high heels and body paint. It’s difficult to keep my eyes to the road ahead of me. What little I can see, there is a mass of humanity that consider the cross street part of the mall area. Finally a “white hat” law person, gender indecipherable – clears a path. Usually they only write parking tickets! I start to go but a delivery bike glides directly in front of me, breaking hard it’s a near miss. Finally I am on 7th.

Bike and turning lanes cut my downtown 7th Ave to 3 lanes, make that 2 when you count the double parked delivery trucks. Left onto 38th to York and 2 left turns to destination! All of the streets are “No Standing except for Commercial Vehicles” and even those must obtain (at $3.50 an hour) parking passes. A block away – oil truck can’t make it past double parked car. Finally arrive, elapsed time 1 hour, distance travelled 3.4 miles, gas gauge moved one line!

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A Seinfeld episode about a Notary
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September 3, 2016

URGENT – virus RANSOMWARE info

URGENT – virus RANSOMWARE info

I just received, in the same day, 3 emails purporting to be from Amazon. The subject said that my package had been shipped. That’s strange; I’m not expecting anything from them. Of course it was a virus; and an especially nasty variant. Ransomware encrypts the contents of your hard drive and demands payment for the password to unlock the drive. If this hits you – you only have two options. Pay it ransom and “hope” they send you the password – and not ask for more money. Or, just wipe the drive and rebuild your system from “nothing”. Depending on the specific variant, the encryption can be done using either the AES 128-bit or RSA 2048-bit encryption algorithms – which are extremely difficult to break. Put in other words, unless you have the computing power of the CIA, you can’t break the code.

Regular readers know that I have been a computer person all my life, really. My personal PC has many layers of defenses. Think of a castle: high walls, archers on the ramparts, a moat, alligators in the moat, you get the idea. Well, my system has 9 layers of defenses, and those emails were not caught till layer 7. They should have never been forwarded by my Internet Service Provider – but they were. You, yes YOU need to learn how to protect yourself – or – eventually pay the consequences. I have discussed PC protection in prior blogs and will not rehash, but rather present some new material.

With the assumption that you have a decent anti-virus program, AND it automatically keeps itself current by downloading updates – at least daily; AND you have a backup methodology – read on. Wow, that was a long sentence even for me; but those two are the most important things you can do.

Next, you need to understand that some types of attachments can be nasty. Most of the time, there might be exceptions; good old .doc files are safe, as are .txt – most of the time. Some types are poison, the very commonly sent .js or java script is the classic virus spreader. The one that attacked me was .docm that little M at the end is really, really, nasty. It stands for document with a Macro (executable code that can do ** anything ** to your computer) – just by opening it with your word processing program. Now that’s really sneaky. The little “built in” macro does not actually scramble your computer, it needs help. So, it contacts the “mother ship” and downloads the real ransomware – slick, efficient, and deadly.

To protect yourself – DO NOT BE CURIOUS. Just delete the email, I’m good with computers, I know enough to not open emails that are unexpected – NEVER. Next, make sure your PC is set to show you the file extension. When you look at the attachment does it say ClosingDocs or ClosingDocs.PDF? Learn how to configure your PC to show the “file type” – and change it to show the complete file name. Be aware that some will have, to fool you, multiple “file type” such as ClosingDocs.pdf.js – if you are not configured to see the complete file name it will appear without the final extension of .js – make sure to do this. You should not ever “hide” the file extension – there is NO good reason – it’s commonly the default to make the files look “simpler” to the casual user. Check to see if your word processor supports prohibiting some “file types” – if so configure it to either not allow .js .docm (and many others, find out which) – or to at the very least to ask you “are you sure you want to open this type of file”.

Malware that simply destroys your computer is certainly still being created by sick puppies. This up and coming threat of ransomware is growing – they can, and do receive money from their victims. When you pay, usually via money wire to an offshore location – they may or may not “honor” their commitment. Again: anti-virus up to date, regular backups, file extensions displayed, and never click a link or open an email unless you are very, very sure what it is; and/or where you are going. You probably do thousands of clicks a month – it only takes one DUMB one to literally put you in a world of grief. Don’t be curious!

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Apps that Notaries have never heard of
http://blog.123notary.com/?p=16311

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