October 2019 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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October 31, 2019

The signing with the danish pastries

Filed under: General Stories — admin @ 11:51 pm

A Notary who commented on our blog had a nice story to tell.

He went to a signing. The wife came out with a plate of heavenly Danish pastries that were out of this world. She brought freshly brewed coffee as well. Then after the signing, it was a bit icy, so the husband accompanied the Notary to his car. Such hospitality. These little things mean a lot to Notaries.

It reminds me of my trip to Denmark where the gas station had an elaborate display of many varietals of Danish pastries, and the Police Office (where I reported one of their many heroin addicts) was filled with elegant Swedish style furniture. When you travel, you see the world in a new way. Why can’t we be more like Denmark and have heroin addicts roaming the streets with their needles? If only we lived in a fair world.

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October 30, 2019

If you notarize a document, does that make it “legal”?

Filed under: Technical & Legal — admin @ 11:50 pm

If you notarize a document, does that make the document in question legal or official?

As far as I know in my layperson opinion, if a document will be used in a legal transaction or in court, it might be said to be a legal document.

Notarizing a will, or other document just makes it notarized. Being notarized it might be acceptable to a particular document custodian or might be more relevant in court. Deeds and Power of Attorney document by definition need to be notarized to be effective or be recorded.

Oh yes, and if a document hits its 18th birthday, then it is definitely legal and the document custodian should alert Quagmire from Family Guy of the event too, particularly if the document is female.

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October 29, 2019

Was the document lost by Pack N Ship or by Fedex?

Filed under: General Articles — admin @ 11:49 pm

Back in 2012, a package was lost. A notary delivered it to a Pack N Ship place. Personally, I had a box of checks missing from a mail box place. I went straight to the police who couldn’t help. Perhaps they got thrown out. Not sure.

But, I digress. So, the Notary could not figure out whose fault it was — was it Pack N Ship or Fedex who lost the package. Hmmm. If there was Fedex paperwork for the package then there would be more to go on. Tracking numbers can tell a story of how far the package went in many cases.

So, the poor Notary had to go to his 100 year old signer all over again and sign again. What a pain. I bet that took forever.

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October 28, 2019

Notaries are supposed to be ethical, but how do you test for that?

Filed under: Etiquette — admin @ 11:49 pm

One Notary commented on my blog that there needs to be an ethics test for Notaries, but how do you do that?

How about a multiple choice test.

If a customer offers to bribe you to backdate, should you:
1. Accept the money
2. Report the guy to the government
3. Just say no (and say it politely)

In real life when you are under pressure you might do all types of things. But, what about a secret test. What if people would come to get notarized and ask you to do illegal or unethical things. If you complied, you would get in trouble. What if those people secretly worked for the government? I believe in undercover testing of character. Because we all claim to be upstanding citizens, but most people are a bunch of liars. So, let’s catch people in the act.

You might also like:

Texas suspends a notary who notarized a document about Stormy’s hush money
http://blog.123notary.com/?p=22331

10 risks of being a notary public
http://blog.123notary.com/?p=19459

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October 27, 2019

Are online notarizations illegal to protect outdated customs?

Filed under: Technical & Legal — admin @ 11:48 pm

One blog commentator writes that online and webcam notarizations are illegal (in many jurisdictions) simply to protect the outdated customers of traditional Notaries. Since many Attorneys are Notaries, this in his opinion is a case of mob rules where the public loses. Hmm. Interesting thought.

Security is another issue. It is hard to know on a webcam if that is the actual person being notarized. People change their hairstyle and sometimes more than one person looks like the same person. As a former Notary, seeing people’s ID is not enough in my opinion. Women change their hair around so much they are often not recognizable.

I would feel more comfortable if Notaries had facial recognition technology so that we could really identify people. It would be like that movie from thirty years ago whose name escapes me where you walk into a store and a computer greets you by name due to the technology. How annoying and invasive. China is becoming like that, but then, they have 1.4 billion people (and counting) to take care of. On a brighter note, I think the urban folks have given up having children.

So, is the growth of online notarizations stifled by mob rule, a lust to preserve traditional practices, or for realistic and reasonable concerns about security?

You might also like:

Why you shouldn’t use an online notary
http://blog.123notary.com/?p=22090

eNotary
http://blog.123notary.com/?p=21344

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October 26, 2019

How to find a Russian Speaking Notary

Filed under: Public Interest — admin @ 11:47 pm

Where can I find a Notary who speaks Russian?
Look no further. 123notary.com has many Russian speaking Notaries on board. Just look up a Notary by zip code and then use the language filter at the top right of the site. You can enter in the name of any language such as Spanish, Japanese, Vietnamese, American Sign Language, or more! In fact, we have Russian speaking Notaries in almost all states and metros! Additionally, we have a search filter directly above the search results where you can check the Russian box and find only Russian speaking Notary service providers.

How good is their Russian language proficiency?
On 123notary.com, we have many Notaries who speak Russian. The degree of fluency varies from Notary to Notary as some are conversational while others are native speakers. A handful are from Russian speaking families who grew up in America and might be excellent at conversation but not as proficient at business oriented communication. So, test your Russian speaking Notary out over the phone to make sure they are up to your standards before hiring them!

Notary Russian — Attorneys vs. Non-Attorneys
Please be advised that Notaries in the United States are seldom Attorneys and non-Attorney Notaries may not give legal advice. Most Notaries are also not authorized to draft legal documents. There are affordable legal support centers where they can help you draft documents. Please make sure that your document is completely drafted before contacting a Notary Public from 123notary.com.

Immigration Advice
Notaries cannot give advice about immigration matters unless they are specifically licensed to do so. For immigration questions, please contact the proper authorities.

Notarizing in Russian?
Notaries may Notarize a document that is in Russian, however the Notary wording would be in English for the notarization. Some states require the Notary to be able to understand the document. Other states require the Notary to be able to communicate directly with the borrower in any language they both can communicate with. Please learn the laws of your state and how they apply to notarizing foreign language documents. The actual Notary wording must be in English if it is to be notarized in any of the 50 states in the USA. Each state has their own official Acknowledgment and Jurat Notarial wording which the Notary is responsible for knowing. The Notary wording can be included at the end of the document. However, the Notary can also staple a loose certificate form to the document and affix their seal to that certificate after it has been completely filled out. Signers will be required to sign the Notary journal in states where Notary journals are used (which includes most states.)

Oaths in Russian?
Some Notary acts such as Jurats, Oaths, or other acts that include Oaths such as swearing in credible witnesses require the Notary to administer an Oath. An Oath for an English language document or Russian language document can be performed in the language of your choice. If the signer or affiant feels more comfortable in Russian and the Notary knows Russian, you can conduct your Oath in Russian.

How can I get a Russian language document notarized?
As stated above, some states require the Notary to understand the language of the document while others don’t. However, the language of the notarization itself would be in English. You can find a notary on 123notary who speaks Russian to assist you in this matter. Just visit our Advanced Search page and look up a Russian Speaking Notary by zip code!

You might also like:

How do I get a foreign language document notarized?
http://blog.123notary.com/?p=18788

Apostille general information
http://blog.123notary.com/?p=21419

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October 25, 2019

How long does it take to fill in the journal entries for one loan?

Filed under: Journals — admin @ 11:47 pm

Many Notaries use the “cram it in” style of journal entries and claim that it saves time and that it is okay. But, there are several problems with it. First of all, what is the cram it in system of filling in your journal?

If you put multiple documents in on a single journal entry — that is what I call the “cram it in” journal entry style. Normally there is a single signer for these multiple docs on the entry, but some people put two which is even more crazy. Below are the problems associated with this wrongful technique.

1. Fees
Most states allow a Notary to charge a maximum fee per Notary act. If you put multiple Notary acts on a single journal line, you cannot document what you charged for each Notary act.

2. Notary Act Type
If you are notarizing multiple documents in a loan, traditionally there will be different Notary types. There will be acknowledgments for the Deeds and perhaps other documents and Jurats for the Affidavits. You cannot distinguish which document received which type of notarization if you use the cram it in method of journal entries.

3. Court Issues
If your signing goes to court, the signer could claim to not have authorized the notarization of any of the documents listed in your journal as you theoretically could be in cahutz with the Lender and could have added the names of more documents after the fact. It is rare to have an issue in court due to the cram it in method, but I have heard of two examples in my career about how it makes the court case a lot more confusing and you can’t prove that someone consented to be notarized. It can result in a situation that looks like fraud was likely. Why put yourself in that position?

4. Kosher Issues
It just isn’t kosher to add extra document names in a single journal entry. Proper journal entry procedure means one document and one signer per entry — that’s it.

SUMMARY
It is easier to just fill out the journal entries one by one. You might have to write the address many times. It might take about 45 seconds per entry, and with a loan of 12 notarized signatures you might spend 10 minutes total filling out the journal and another minute getting people to sign and thumbprint multiple times. That is about 8 minutes longer than the cram it in method and could save you lots of time in court after the fact. Additionally, if your state audits journals, it could save your career — a valid point to remember in California and in the future perhaps other regions!

You might also like:

Travel fees vs. Notary fees in your journal
http://blog.123notary.com/?p=22612

Notary Public 101 – a comprehensive guide to journals
http://blog.123notary.com/?p=19511

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October 24, 2019

What was the worst house you ever went into?

Filed under: General Stories — admin @ 11:46 pm

Have you ever been to a signing where you just didn’t want to go into the house? At 123notary we have heard many stories ranging from Legionaires disease caused by mold or bacteria, hoarding, people with long toenails that go click click click, Notaries pushed down stairs and more. Here is a list of types of situations where you might not want to go to the signing.

1. Legionnaires Disease
This is a disease that can cause serious lung diseases. If you go into a really dirty house that has a lot of bacteria, you could contract this disease which can be deadly. We advise you to think twice before going into an unsanitary house. It is more than just unpleasant — it could be your last.

2. Hoarders
Some people stack stuff from the floor to the roof and refuse to clean up. There are reality shows about this topic and it just isn’t funny. Hoarders have a mental disease that makes them believe that they actually need these useless things which they collect and that their life would be so much worse if they got rid of all of those things. If the hoarding is out of control it might be dangerous to go into a hoarders house as something could fall on your or trap you.

3. Good house bad neighborhood?
On the other hand, some houses are fine, but in bad neighborhoods where you might be afraid to go. I have heard issues of Notaries who are assigned jobs at tenement houses where risky looking people are hanging out in front of the building as well.

4. Parking Issues
There are houses where there is no place to park in certain types of communities as well.

5. GPS Issues
You might have houses on roads that are not on your GPS which is an interesting phenomenon.

6. Construction
If a house is having construction there could be issues. There could be dust that is not safe for you to breathe. There could be vehicles blocking you or equipment strewn all over the place. There might also be noise issues.

7. Smells
If you went to a house where they were cooking exotic food, you might smell an intense aroma of garam masala or something of that nature. You might hear the sounds of Vietnamese being spoken loudly too. Some people are sensitive to these things.

8. Sound
If you in a house that is noisy, that can be an issue. Some people do not turn off the television or have noisy rambunctious children dressed in Spider Man outfits.

9. Animals
Some houses have animals that are annoying or dangerous. Owners of dogs are genetically predispositioned to assume that the rest of the world just love dogs, and in particular their dogs and enjoy being viciously barked at, lunged at, and jumped on by their uncivilized furry friends. Not so. I had one borrower put their dog behind a closed door, only for Fido to emerge unannounced and jump all over me. Try locking the door and take people’s safety and comfort more seriously.

10. Attorneys
If you go to a signing and there are Attorneys or Brokers, you might be in for a long haul where there are line by line explanations. Couldn’t you do this before the signing?

11. Haunted
There might be ghosts in particular places. If so, tell the ghosts not to bother you during the signing and ask them to come back with some sort of etherial ID if they want to be notarized.

So, what are some of the worst houses or situations you have gone into?

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October 23, 2019

Knee high weeds

Filed under: General Stories — admin @ 11:45 pm

I wrote another blog article recently about going into bad houses or neighborhoods for a loan signing. Sometimes you might feel that you are at risk. One Notary got bitten on the sleeve by a pit bull. That is a felony and nothing to joke about. If you can’t control your dogs, then don’t have them.

But, what if the house has knee high grass and weeds in front of it? That is a sign of dysfunction. Should you go into the house and risk it? Should you take a peek at the inner condition? Or should you just call the Lender and ask everyone to meet you for a frapuccino at the Coffee leaf?

Neglect is a bad sign and should be taken seriously.

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October 22, 2019

Busca un Notario Publico o Notary Public en Los Estados Unidos?

Filed under: Public Interest — Tags: — admin @ 11:43 pm

En Ingles, no exista Notario Publico. La palabra legal aqui es “Notary Public”. Un “Notario Publico” tiene reponsibilidades differentes y mas alto de “Notary Public Norte Americano” en paises Latinos como abogada. Pero un Notary Public en Los Estados Unidos solo puede “notarize” (certificar por notario) documentos, administra juramentos, y nada mas!

Si tu busca un Notary Public en Los Estados Unidos que abla Espanol, 123notary tiene muchos en cada estado. Usa el “search filter” en el derecha de cada pagina de “search result” por buscar un Notary Public que habla Espanol.

Los abilidades de nuestros Notary Publics en Espanol variar de un poco a fluido con gente de Los Estados Unidos de familias Anglos que hablan pequeno Espanol a gente de Mexico y otras paises Latinos que habla Espanol perfectamente.

Gracias y buena suerte.

You might also like:

Is it better to be bilingual or speak Spanish?
http://blog.123notary.com/?p=19264

Where can I find a Spanish speaking notary?
http://blog.123notary.com/?p=18824

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