September 2018 - Page 2 of 2 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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September 10, 2018

Compilation of posts about Notary etiquette

Filed under: Compilations,Etiquette — Tags: , — admin @ 9:12 am

Here are some posts about etiquette.
Return to Table of Contents for – Notary Etiquette 104

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Notary Etiquette from Atheist to Zombie
http://blog.123notary.com/?p=13718

Borrower Etiquette from A to Z
http://blog.123notary.com/?p=2995

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

Notary Etiquette from A to Z
http://blog.123notary.com/?p=300

What do you lose by being short with someone when you answer the phone
http://blog.123notary.com/?p=16754

Thank you, Excuse me, I’m sorry
http://blog.123notary.com/?p=8882

You lose $37.50 each time you don’t answer the phone
http://blog.123notary.com/?p=16562

Dress British Think Yiddish
http://blog.123notary.com/?p=8643

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September 9, 2018

Index of posts about Notary Certificates

Here is a quick index of our posts about notary certificates. I hope it is useful. They are in order of how useful the posts are rather than chronological order.

Notary Public 101 — certificates
http://blog.123notary.com/?p=19502

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

Do you notarize loose certificates as a Notary?
http://blog.123notary.com/?p=10372

What is a venue in a Notary certificate?
http://blog.123notary.com/?p=8454

What forms should a Notary keep in his/her bag?
http://blog.123notary.com/?p=20011

Optional information in acknowledgment certificates
http://blog.123notary.com/?p=4407

Sending loose certificates in the mail is illegal.
http://blog.123notary.com/?p=2470

Notary Certificate Wording section by section
http://blog.123notary.com/?p=18915

Signing Agent Best Practices 63 Points
http://blog.123notary.com/?p=4315

Notary Certificates, Wording & Notary Verbiage
http://blog.123notary.com/?p=1834

Make your own Notary certificate forms.
http://blog.123notary.com/?p=1759

Notary Acknowledgment Wording
http://blog.123notary.com/?p=18858

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

Marcy Attaches a certificate (educational comedy)
http://blog.123notary.com/?p=14447

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September 6, 2018

UPL — Unauthorized Practice of Law in the Notary Profession

Unauthorized practice of law… what does this phrase really mean? The sad truth is that this concept is widely misunderstood, and differs from state to state. The definition of UPL (not UPS) is generally arbitrary and is often set by bar associations set on protecting the financial interests of their Attorneys who don’t want any unnecessary competition in the legal services field. So, one could say that Attorneys as a group are engaged in a form of corruption and using the law to enforce standards that serve no purpose other than to eliminate competition (sounds like the mafia). Instead of burying you in cement, a bar association can investigate a person suspected of UPL, and sue them or perhaps fine them for huge mounts of money leaving the Notary essentially financially broken.

Case Study
One of the Notaries listed on our site lost or almost lost (forgot the story as it was from a decade or more ago) $40,000 for doing a loan signing in a state where Notaries are not allowed to do such things.

Attorney States
In certain states that we refer to as Attorney States, only Attorneys are allowed to do loan signings. The premise is that by engaging in the facilitation of a loan signing, that you are making an unstated assertion that you have the same knowledge as a Mortgage Broker, Lender or Attorney and that you can explain the documents. This is simply not true. When a Notary goes to a loan signing, some Notaries do not explain any terms or documents while some do. In my opinion you should catch a Notary in the act explaining a legal term and then bust them. But, merely by facilitating the signing a loan in an Attorney state, a Notary can get busted.

States where Notaries are not supposed to facilitate the signing of loans include Georgia, South Carolina, Massachusetts and perhaps others. This information could be outdated and the interpretation of the rules is far beyond my capacity. However, many Notaries in all of these states advertise on 123notary claiming that they do signings. However, I have heard that they typically don’t do signings for properties that are in their state, but only for out of state properties. I have heard that this is still illegal, but I guess people are not getting caught. My word of advice is to consult an Attorney before doing something that could get you in trouble.

Notary unauthorized practice of law
As a general rule, drafting a legal document, giving legal advice, giving advice about a court case, giving advice about how to draft a legal document, or helping to interpret a legal document might be construed as unauthorized practice of law. However, I am not an Attorney and cannot say with any certainty or authority what constitutes UPL in any state. I am just relaying to you what I have read over the years. Additionally, explaining the terms of a loan or what certain mortgage terms mean might be considered UPL as well – once again, I am not sure, but you can ask an Attorney if you really want a definitive answer.

Choosing the Notary Act
As a Notary Public, it is the choice of the client or signer which type of Notary act they want. The Notary has the right to explain the various Notary acts to them and the rules that apply, but the Notary cannot choose for them. Under many circumstances there might only be one particular Notary act that the Notary would legally be able to perform. In such a case, the Notary should explain the circumstances, how to change the circumstances and ask if the signer wants to proceed as is.

It is common for Notaries while administering Jurats to automatically perform an Affirmation because they are afraid to offend people by administering an Oath. First of all the Notary is required to give the signer a choice as to which Notary act they want to have performed. Second, many people might be offended by Affirmations more than by Oaths. However, I can state with definitiveness that dogs prefer Affirmations.

Drawing in a Signature Line
It used to be common in loan signings for a document to have no signature line, yet have an instruction that it must be notarized. You cannot notarize a document without a signature, and how can you sign without a signature line? If the borrower draws in the line, that is their business, but if the Notary does it, are they practicing law?

Oregon Standards
I have heard that in Oregon, a Notary may not cross anything out on a Notary certificate, nor may they attach a new Notary certificate. But actions would be considered practicing law there as far a I know in my layperson capacity.

Summary
Unauthorized Practice of Law is a crime and is a very wishy-washy state-specific convoluted subject. Please ask an Attorney for a professional opinion on this subject if you are at all concerned.

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You might also like:

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

10 risks to being a Mobile Notary Public
http://blog.123notary.com/?p=19459

Notary loses $4000 in legal fees because fraud adds name to notary certificate.
http://blog.123notary.com/?p=19477

5 books every notary should own and read
http://blog.123notary.com/?p=3668

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September 5, 2018

Snapdocs – do they cater to the fastest or the best(est)?

Filed under: Signing Company Gossip — Tags: — admin @ 12:42 am

I got an email from a loyal Notary. He had gotten a questionaire from Snapdocs. One of the questions was, “Do you refer Snapdocs or other notaries?” He answered “No” because he did not know how many other dozens of Notaries got job texts when jobs were dispatched and was not always able to be the fastest to answer the texts.

This Notary said that if he was not the fastest to respond to a text, that he did not get the job. Because of his response, he thinks that Snapdocs took him off their postings.

The thing I admire about Snapdocs is that they have a market niche and definite advantages. They might not have the best Notaries. Even the Notaries who look good online with their Fidelity Approvals and impressive repetoire of signings under their belt of all descriptions – when I look at their test scores in my system, the results are almost always horrifying. However, Snapdocs offers fast comprehensive technology and fast Notaries who do not dilly dally. You have to give them credit for this. 123notary has a completely different business model and we have a combination of fast and slow Notaries.

Maybe 123notary should learn from Snapdocs about screening Notaries to see how fast they are. We are emailing our certified Notaries to see if they get back to us, but we allow three days. Snapdocs would probably weed them out if it took them more than three minutes.

Putting quality and pay grade aside, Snapdocs gets a huge market share of clicks that is currently as big as 123notary and NotaryRotary combined. I cannot vouch for the quality of the clicks or the quality of the jobs. Many of the clicks are just Notaries logging into the system and Notaries on 123notary do not login that often unless I bug them.

The moral of the story is that when SnapDocs says jump, you jump. Their docs are not the only thing that is snappy, but also their Notaries assuming those Notaries want to actually get hired.

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You might also like:

Opinions about Snapdocs in the blog and forum comments
http://blog.123notary.com/?p=21299

Snapdocs profiles are getting more impressive but…
http://blog.123notary.com/?p=20819

Snapdocs wants to sell shares on Shark Tank
http://blog.123notary.com/?p=20815

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September 4, 2018

Find a Notary who can notarize an inmate at Men’s Central, Twin Towers, Century Regional. Pitches Detention Center

Do you need a Notary who can do prison notarizations? 123notary has many Notaries who offer mobile service to jails, prisons, correctional facilities, penitentiaries, and detention centers. Here are some issues involved:

1. Someone needs to meet the Notary at the jail. That person can be an Attorney, family member, friend, or paid assistant.

2. The inmate must have identification that is satisfactory to the state where the notarization takes place. It is ideal if the person meeting the Notary has a current ID for the inmate such as a valid and current driver license, ID card, passport, etc. However, if the inmate has a wristband or jail ID card that is acceptable to the state where the notarization is taking place.

3. A California Notary may accept an inmate identification card issues by the state Department of Correction and Rehabilitation.

4. Florida allows Notaries to accept inmate ID cards issued by the U.S. Department of Justice or Bureau of Federal Prisons.

5. Credible witnesses are allowed in most states. A credible witness is a person who can vouch for the identity of a signer who does not have ID. Typically the credible witness must swear under Oath as to the identity of the signer (exact procedure depends on state laws) and must be identified by the notary and sign the journal in the additional information section. Some states allow one credible witness who knows both the Notary and inmate while others allow two who both know the signer, but don’t necessarily know the Notary. Other states allow one or two, while some states do not allow identification via credible identifying witnesses.

6. In states that require a journal, you must find a way to get the journal to the other side of the glass. Normally a warden will be happy to assist you with this task, however wardens might keep you waiting for five or ten minutes in my experience.

7. Lock downs happen in jails. If a lock down happens, you might be asked to leave, or might be taken virtually hostage until the lock down is over.

8. The Notary must have full vision of the signer and the signer must appear before the Notary. It is okay if the signer is on the other side of a glass provided that direct communication is possible. In my opinion, the signers should be within about five feet of the Notary otherwise you cannot fulfill the “personal appearance” requirement of most Notary acts.

9. Power of Attorney documents are common documents to be notarize in a correctional facility. That document normally requires an Acknowledgment which is a common Notary act which just requires the signer to sign the document, and then sign a Notary journal (most states but not all states). The Notary would need to check whatever ID the inmate has available and enter that information into the journal.

10. You can find a Notary on 123notary.com to do your jail signing. It is best to bring cash, and pay the travel fee up front. Then pay waiting time and whatever fee there is per signature after the work is done. Each Notary has their own fee and method of collecting their fee. Paying in two stages makes it easier for the Notary as some people try to get out of paying the Notary at all if there is any type of problem getting the inmate to come to the visiting room or sign, or be identified.

You might also like:

See our Jail Notary string
http://blog.123notary.com/?tag=jail-notary

A guide to notarizing for prison inmates
https://www.nationalnotary.org/notary-bulletin/blog/2016/07/guide-notarizing-for-prison-inmates

Jail notarizations forum string
http://www.notaryrotary.com/archive/forum/2009/March/Jail_Notarizations.html

Jail signing information
https://www.linkedin.com/pulse/notary-jail-signing-information-susana-landa

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An inmate needs to be notarized
An inmate needs a notary
An inmate needs a notarized document
An inmate needs a notarized power of attorney
An incarcerated person needs to be notarized
An incarcerated person needs a notary
An incarcerated person needs a power of attorney notarized
Find a Notary who can notarize an inmate
Find a Notary who can travel to a jail.
Find a Notary who can notarize at a jail.
Find a Notary who can travel to a prison.
Find a Notary who can notarize at a prison.
Find a Notary who can notarize at a detention center.
Find a Notary who can travel to a detention center.
Find a Notary who can travel to a penitentiary
Find a Notary who can notarize at a penitentiary
Find a Notary who can travel to a correctional facility
Find a Notary who can notarize at a correctional facility

Find a Notary who can travel to a Los Angeles County prison facility
Find a Notary who can notarize at a Los Angeles County prison facility
Find a notary who can travel to Twin Towers Los Angeles
Find a Notary who can travel to Men’s Central Los Angeles
Find a Notary who can travel to Century Regional Los Angeles
Find a Notary who can travel to Pitches Detention Center, Valencia, CA
Find a Notary who can travel to North County Correctional Facility
Prison power of attorney notary
Prison power of attorney notarized
Detention center power of attorney notary
Detention center power of attorney notarized
Correctional Facility power of attorney notary
Correctional Facility power of attorney notarized
Penitentiary power of attorney notary
Penitentiary power of attorney notarized
Jail power of attorney notary
Jail power of attorney notarized
Jail Notary
Jail Notarization
Prison Notary
Prison Notarization
Detention Center Notary
Detention Center Notarization
Correctional Facility Notary
Correctional Facility Notarization
Penitentiary notary
Penitentiary notarization

How can I obtain a valid government issued ID from prison?
Is a state prison ID government issued?
Notary goes to prison
Can a notary go to jail?
Do jails provide a notary?
Can you go to jail for notarizing a family member in Florida?

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September 3, 2018

Opinions about Snapdocs in the forum & blog comments

Filed under: Signing Company Gossip — Tags: — admin @ 12:03 am

Here are some comments we got about Snapdocs in the blog and forum. I organized them in to positive and negative.

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POSITIVE

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1. Good information is kept in the database

Pam likes the fact that Snapdocs keeps quality information in their database about mileage, year to date payments, and a lot more. There is no doubt that Snapdocs has the most comprehensive computer database system for Notaries ever created.

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2. This Notary sets her fees and has no trouble.

A.C. Dye has never had a problem with Snapdocs other than a quick login issue.

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3. Some Notaries happily get good service & jobs from this platform

Craig is happy with Snapdocs. He gets 33% of his work from them and would not trade them.

Bruce claims he has had only good service from Snapdocs and that Snapdocs does not set your fee. You can just hold out for jobs that meet your fee or specifications.

Cindy loves Snapdocs and has had no trouble. She counters bad offers with her fee and I’ll guess that she often gets it.

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NEGATIVE

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1. You have to answer every text request or be penalized.

Debra is upset that she has to answer to all jobs otherwise she will be penalized by the algorithm. You lose points if you ignore requests and then you perhaps go down and down on the pecking order. It sounds like being handcuffed to the back of a train which is how my life has been running 123notary for the last few years.

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2. You have to respond within seconds.

Linda claims that she responded to a text within one minute on at least 15 requests, however, never got a single job. Hmm. I never would have guessed. Glad I am writing this article. I am learning as much as you guys are.

Bob also is complaining that Snapdocs is a speed contest. You have to answer fast or you don’t get the job.

Dennis claims that the text blast demeans the profession and resembles a “feeding frenzy.”

Pam also says that you have to respond to texts within 20 seconds if you want to get hired. When they say jump, you say, “It’s more like diving for the phone, and how high?”

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3. Low-Ball Fees

Alfred feels that Notaries who have not calculated their after-expenses hourly rate might like to work for Snapdocs, but that he does not.

Lyle on the other hand says that initial offers are low-ball, but that he holds out and usually gets his fee.

Jeanne feels that Snapdocs offers insulting fees. She tries to negotiate, but it is hard when initial job specifications are not stated in their entirety.

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4. It’s hard or impossible for some Notaries to actually get work from them.

Sandy claims that she never got a signing from this platform. That is surprising.

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5. Data Entry Requirements

Lee says that there is a lot of information you have to input, and it seems to be far more than he enjoys inputting or downloading.

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6. Demeaning animal type treatment

I will refer again to Dennis’ comment above about how the Snapdocs job dispatch seems like a feeding frenzy that resembles the way animals are fed in a barn and the animals all swarm around the food troth. He is right. This is demeaning. But, high paying title companies are doing the same thing sending out emails to a dozen people for a job and seeing who answers first. I am also tired of sluggish Notaries, but requiring responses within seconds turns Notaries into the slaves of their mobile phones.

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7. Block Call List

Ken doesn’t work for cheap, and he blocked calls from SnapDocs. I’m surprised he was on their list to begin with.

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You might also like:

I’m a high end notary in a low-ball world
http://blog.123notary.com/?p=22263

10 rules for negotiating notary fees
http://blog.123notary.com/?p=19620

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September 2, 2018

Bank of America Power of Attorney Form

Please be informed that banking power of attorneys are complicated and have issues. For an accurate opinion or accurate guidance, you need to consult Bank of America as well as an Attorney.

Attorneys typically can draft up fancy Power of Attorney documents, often at great expense. Their guidance is irreplaceable. However, banks typically have their own Power of Attorney forms and require the use of their forms.

Additionally it is possible that Bank of America might have its own rules for who can be an agent in a Power of Attorney, and also might restrict the rights and privileges of the person who is the Attorney in Fact. I read online that you cannot use online banking if you are an Attorney in Fact for a Bank of America Power of Attorney Form. However, I cannot vouch for the truthfulness of that statement as it might be outdated or false.

Banks will want to see the Power of Attorney and identification before allowing the Attorney in Fact (grantee or agent) the right to access an individual’s account.

How do I get a Bank of America Power of Attorney Form?
Once again, please contact Bank of America customer service.

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Other Links:

Legal Zoom Banking Power of Attorney Information
https://info.legalzoom.com/gain-access-bank-accounts-power-attorney-25538.html

Finding out your Power of Attorney is powerless NY Times
https://www.nytimes.com/2016/05/10/health/finding-out-your-power-of-attorney-is-powerless.html

How do you get a Power of Attorney document?
http://blog.123notary.com/?p=20785

Power of Attorney (string of blog entries)
http://blog.123notary.com/?tag=power-of-attorney

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September 1, 2018

How much does a Notary cost in 2018 & 2019?

Filed under: Public Interest — Tags: — admin @ 11:04 am

How much do Notaries charge?
How much can a Notary charge?
How much is a Notary?

Notary fees are regulated by the laws of the various fifty states. So, each state has a different rate that a Notary can charge and a different procedure for a Notary to get a Notary commission. In addition to charging officially designated maximum Notary fees, many Notaries on our directory travel to their clients and charge travel fees in addition to waiting fees if you keep them waiting too long. It is common for Notaries to have a fixed price for loan signing packages that range from $75 to $150 per signing which is a price that might include printing eDocuments. But, let’s try to give you a better idea of what particular states offer as Notary fees.

Please keep in mind that there are also fees for Oaths & Affirmations which are done in all states that I am aware of. There are also more obscure Notary acts done in particular states that are not done in all states.

How much can an Alabama Notary charge?
$5 for an Acknowledgment or Jurat.

How much can an Alaska Notary charge?
There is no set fee but I heard that in remote areas Notaries get paid in moose or salmon (generally fresh).

How much can an Arizona Notary charge?
An AZ Notary may charge $10 per Acknowledgment (for the first signer) and $10 per Jurat.
Fees changed as of March 2018 up from $2 per signature.

How much can a California Notary charge?
A California Notary Public may charge $15 per Acknolwedged signature or per Jurat. There are other types of fees, but those are the most common.

How much can a Florida Notary charge?
A Florida Notary Public may charge $10 per Acknowledgment, however the price is fixed no matter how many signatures are on the notarized document. Jurats would also be $10.

How much can an Illinois Notary charge?
An Illinois Notary may charge a whopping $1 per Acknowledged signature or for a Jurat.

How much can an Indiana Notary charge?
$2 per Acknowledgment or Jurat

How much can a Maryland Notary charge?
A Maryland Notary may charge $4 per Acknowledgment or Jurat

How much can a Michigan Notary charge?
A Michigan Notary may charge up to $10 per Jurat or Acknowledged signature.

How much can a Minnesota Notary charge?
Generally $2 per Acknowledgment or Jurat

How much can a New Jersey Notary charge?
A New Jersey Notary can charge $2.50 per Acknowledgment, Jurat, or Oath

How much can a New York Notary charge?
A New York Notary may only charge $2 per Acknowledged signature or Jurat or for each sworn witness.

How much can a North Carolina Notary charge?
A North Carolina Notary may charge $5 per principal signature on an Acknowledgment or Jurat.

How much can a Pennsylvania Notary Public charge?
A Pennsylvania Notary may charge $5 for the first Acknowledged signature and $2 for each subsequent signature. Jurats are $5 per piece.

How much can a Texas Notary charge?
A Texas Notary Public may charge $6 for the first Acknowledged signature and $1 for each additional plus $6 for administering an Oath.

How much can a Virginia Notary Public charge?
A Virginia Notary may charge $5 for each Acknowledged signature or Jurat.

HELP, my state was not on the list…
No problem, just click on the FIND A NOTARY link and look up your state. We have pricing for all states documented in our website.

NOTE: Prices are subject to change. If our pricing has become outdated for any particular state, do not comment on this blog, rather, email us at info@123notary.com and politely inform us of the price change.

For states not mentioned or updates in the future, please refer to
https://www.nationalnotary.org/file%20library/nna/knowledge%20center/outside%20pdfs/state-notary-fees-chart.pdf

You might also like:

See our information about Acknowledgments (string)
http://blog.123notary.com/?s=acknowledgment

Index of posts about general Notary information
http://blog.123notary.com/?p=20264

Basic Notary acts
http://blog.123notary.com/?p=19500

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