July 2021 - Notary Blog - Signing Tips, Marketing Tips, General Notary Advice - 123notary.com
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July 30, 2021

What if the USA were divided into substates with constitition(s)?

Filed under: General Stories — admin @ 5:37 am

I like the idea of a country having semi-autonomous states. But, the problem is that people in the respective states are opposed to each other on political grounds. The urban areas tend to be left leaning and the remote areas tend to be more republican.

Having people who oppose each other in every part of America has led to tremendous conflict. I don’t think that the left can reeducate the right into “correct” thinking, and I don’t think that Republicans and Libertarians can convince the left to subscribe to the idea of basing opinions on facts and reasoning either. My solution is to have areas committed to particular ideologies.

Traditionally, Texas was a right leaning state. However, due to all of the migrations of West Coast people to other states (often for tech jobs) the state of Texas will eventually turn left. There are many states that are swing states whose political future is uncertain.

I think it might be easier to have parts of states (rather than entire states) with well defined boundaries define themselves into one of several categories. Far left, soft left, moderate, soft right, hard right, libertarian, green, lenient on drugs, lenient on felons, white is right, black is right, or uncategorized. This way people could choose to live in areas where others share their sensibilities in some basic ways. That would eliminate clash.

Additionally, it would make sense if these “areas” had constitutions that hardcode specific types of policies in a way that cannot be undone unless they got a 90% vote. The left leaning areas could mandate a minimum wage equal to exactly half of whatever the median income in that area was. The right leaning areas could have a ban on minimum wage and no rules for registering firearms. The green zones could require that a particular percentage of their energy come from particular sources, and that could be programmed to gradually evolve to a higher percentage over time. The “Black is Right” areas could cater to black business ownership. The white is right area could cater to creating better BBQ sauces. Additionally the left leaning areas could keep schools closed 11 months a year if God forbid there is a disease that only kills the elderly — that makes sense, right?

Using this system, although we still might disagree about Federal leadership, at least we would be somewhat on the same page with our neighbors. And if you don’t like the basic policies of one type of areas, rather than voting to change it, you could move to another area that supports your ideology. Perhaps over time there could be different variations on policies in the various states so you could get that perfect mix of policies in some particular place.

For me, I love Los Angeles, so even though politically it is opposite of what I believe in, at least the weather is good and there is great food and lots of activities. And the things I don’t like about Los Angeles are mostly nationwide problems. The only way to escape wokism is to move to Wyoming or South Dakota and there is not a whole lot going on there.

The Lakota people believe that tribal or clan decisions should have unanimous consent. That way you function as a people. Those who cannot go along with the group traditionally broke off and created their own bands. Although the Lakota clans fought with other tribes, they were on the same page with each other and survived as a nation for hundreds of years. One Lakota elder (the late) Russell Means thinks that the USA cannot survive as a nation because we have no culture, and we are all doing our own thing and have no common ideology. I think he has a point and that point has never been as well understood by myself until today.

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July 28, 2021

A Rabbi explains Notary Oaths & Affirmations

Filed under: General Stories — Tags: , , , — admin @ 5:24 am

Oaths and Affirmations have many religious overtones. The fact that God is mentioned in one and not the other is one aspect. The other gets into rules that resemble some of the rules for getting in an elevator during a kosher shabbat. Remember — some elevators are more kosher than others.

SUSIE: Rabbi, I heard that you can discuss how to do kosher notarizations. Can you elaborate in the case of Oaths?

RABBI NOTARIVICH: Yes. You see, (pauses, while pulling gently on his long and flowing beard) there are two types of solemn statements that could be made under the penalty of perjury to a Notary Public. One is an Oath, and the other is an Affirmation. The affirmation cannot be kosher because it doesn’t mention God. But, on the other hand the Oath is also perhaps not kosher because it makes you swear under Oath to God as a special act. This insinuates that under normal situations you would not necessarily tell the truth, but because you are engaged in a solemn ceremony with the Notary Public under the penalty of perjury that you will tell the truth. So, therefore neither solemn statement is kosher from that point of view.

On the other hand, for legal purposes we need such acts, otherwise, supposedly nothing could get done in the business world. And since we need to have sworn statements, it would be good if we did so under God, not solely for the purpose of swearing under God, but because those who engage in Affirmations seem to ignore God, disacknowledge God, dislike God, or dislike those who believe in him. So, Oaths would be more kosher than Affirmations relatively speaking although there is no formal standard, and technically a Notary act can neither be kosher, nor non-kosher.

However, on the third hand…

SUSIE: Rabbi, do you have three hands?

RABBI: Figuratively, I have infinite hands, it is a manner of speech. Anyway… So, on the third hand, there is another legal aspect which parallels with some of the ideology behind kosher elevators.

SUSIE: Does that mean you have to do a blessing on the elevator, or do a blessing while you are in the elevator, or the elevator needs to be milchik?

RABBI: If you ate meat, you definitely shouldn’t cook in a milchik elevator, but not so many people cook in an elevator unless they are really behind schedule. But, when a Notary is confronted with a client, the Notary may not choose the Notary act. They can explain the Notary acts and compare and contrast them but not choose them. The notary can ask if the client wants an Oath or Affirmation. Now, the case may arise where the Affiant is not the client. One party is paying for the notarization while another is being Notarized. This is common. So, which one chooses the Notary act. The answer is the one paying even if he chooses the wrong act for the situation. The document custodian if there is one might be wise to voice a preference as to what type of Notary act they will accept, as they can ultimately reject the notarization.

SUSIE: So, this is complicated, you have an affiant, a client, a custodian, a notary, AND a rabbi? What would happen if all of these entities went into a bar together? Or had to screw in a light bulb? What would happen?

RABBI: Easy. If the Rabbi was asked how to screw in the light bulb, he would want to spend at least 100 hours referencing sources in the scriptures and the midrashim to find suitable precedents for how to handle the situation. However, he would get nowhere because he wouldn’t be able to see without a functional lightbulb, so he would sit there in frustration and ultimately shrug his shoulders, say, “Oy gevalt”, and then leave. The document custodian would not be there so he could do nothing. The affiant would be a guest and would therefore do nothing. The client would be remote as well and would do nothing. The Notary would leave. However, the building custodian — a sixth entity would probably be the one to change the lightbulb, or the building manager, or whomever owns or manages the property.

SUSIE: That was complicated but makes sense. What if they went into a bar?

RABBI: The Rabbi would order a Manhattan, but would spent 20 minutes bothering the bartender as to whether or not the glass it was to be served in had even touched anything with dairy over the life of its existence and the bar tender would get annoyed and help someone else. The Notary would order a Santa Barbara Cabernet Sauvignon called, “Notary Public Red Blend”… yes, it actually exists, or something with the name Notary Public because the vineyard was owned by someone who used to be a Notary. The client would order a beer, and the affiant, would not want to swear under the influence so he would say, “I will have Ginger Ale”.

SUSIE: An interesting take on an old joke.

RABBI: So anyway, the client or the affiant if he is also the client chooses the type of notarization. We can compare choosing the notarization to pressing a button on an elevator or online menu. After all, with online notarizations, you would have to click a button to choose your notary act. On Shabbat which is from Friday sundown to Saturday sundown a person who is shomer shabbat (who follows the rules of kosher) cannot press an elevator button or turn on a light unless it is an emergency. However, a kosher elevator, stops on every floor, so you don’t have to press a button to call it nor do you have to press a button to choose what floor.

SUSIE: I feel sorry for kosher people who used to go to the world trade center, that used to have 200 floors. That would take four hours to get to the top if it stopped at every floor and by then shabbat would be half over.

RABBI: A good point.

ANSWERING QUICK QUESTIONS BY PHONE ON THE SABBATH

LAURA: Rabbi, I called a Notary on Shabbat to ask if she did Debt Consolidations. She responded that she could not answer business questions on Shabbat because that would be working. So, I asked, why did you answer the phone then?

RABBI: On the one hand.

SUSIE: Here we go with the hands again. I’m expecting at least four hands.

RABBI: One the one hand, and just for the sake of argument, let’s say it is the left hand, it is forbidden to work on the sabbath which is shabbat in Hebrew. The Torah also forbids walking more than 2000 cubits out of your respective town on shabbat, perhaps because that would also be laborious even though that is not work. 2000 cubits is roughly 1KM just for the sake of reference. And it might take 15 minutes to walk that far.

So, this kosher Notary is willing to burden herself with a phone call on shabbat not knowing if it is a personal call or a business call. Since the Torah prohibits, working, but also prohibits recreational activities such as unnecessary or excessive walking that could prove laborious after a few minutes…. hmmm… there is no formal point of view on this matter.

It seems that since the notary took the trouble to answer the call which she knew had nothing to do with shabbat, that she could also answer a quick question about business just as long as answering that question was not excessively laborious like walking a kilometer. After all, at Synagogue, people discuss what business they are in and what is going on at their companies. That is talking about work, but it is very different than actually working. The point of not being laborious in any way on Shabbat is to save your energy and focus for prayer, relaxing, and socializing. If you waste your time on endless phone calls you lose that focus. It would be better that she would not answer the phone unless it was family or related to shabbat. But, answering a quick question would be okay in my book. I’m sure others will disagree as this is a controversial topic.

It would probably be better not to answer any phone calls on shabbat unless it is an emergency or related to who is coming to dinner.

NOTARY REVIEWS: SLANDER & GOSSIP ACCORDING TO THE SCRIPTURES

VICKI: Rabbi, if a Notary did a bad job, would it be considered unkosher gossip or “Leshon Hara” to write a bad review on his listing?

RABBI: Many will agree that committing leshon hara could be worse than murder. But, on the other hand, if you don’t say anything, that notary might harm others endlessly. If you write a bad review, you might be harming that Notary’s reputation which could cause terrible spiritual consequences in this life and the next. On the other hand, if you don’t write the review, that Notary might harm others. So, should you choose the lesser of the evils? Should you only write the review if that Notary did something very bad and showed no sign of remorse? It is hard to answer a question like this as it is a judgement call.

THE NOTARY AND THE BACON BURGER

SAM: I just did a meditation where I visited Notary Hell. There was a guy there who wrote a bad review about someone who ruined a hospital notarization. The only crime the inmate at hell had done in his life was to write a bad review. The Notary’s reputation was permanently ruined as his prime clients saw the review, and the Notary later starved to death as a result. And it was all because of that guy who wrote the bad review.

RABBI: Did he mention anything about how the social life is in hell? Word on the street is, “Go to hell for the social life, but heaven for the weather.”

SAM: Next time I’ll have to ask. I’m going to the underworld tonight, but I’m sure I’ll have time to visit hell sometime on Wednesday. Oh wait. I have an Apostille signing on Wednesday, maybe Wednesday night.

RABBI: One of my friends accidentally ate a piece of bacon and he was sure he would end up in hell. Could you… umm… you know, check up on him and see if he actually made it to hell?

SAM: Was his name Saul? And did he always wear red suspenders?

RABBI: Yes.

SAM: Never heard of him.. Just kidding. Saul is in purgatory. His Teshuva (repentance) is to think less about nonsensical trivialities. Until he masters this, the angels won’t let him into heaven.

RABBI: The irony of it all. Well I guess that wraps it up. We have answered all of our rabbinical Notary questions. Tune in next week to Ask the Rabbi!

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July 26, 2021

Jeremy’s culinary trip to the hood results in a paranormal situation

Filed under: General Stories — admin @ 5:20 am

I had been dreaming of going to South Central (The Hood) to sample Salvadorian food. I had not been in about 15 or 20 years since I was doing notary work. It used to be a black area, and then it turned into a Salvadorean area. That is how Los Angeles is. Pretty soon the whole city will be Salvadorean…. or perhaps Honduran if the refugee crisis continues. I have been wanting to do this for two years, but never had time.

After my chiropractic appointment on Friday, I had this thought that I should “just do it” even though I would risk sounding like a Nike commercial. So, I went food tasting in Larchmont first. I had my blueberry banana smoothie to get my fruit and berry energy for my health regimen. Then I sampled a piece of lemon cake and chocolate from a cafe. This was in a very poche part of town. Then I went down Western. The traffic was the worst I’ve seen in years. I inched my way down block by block. There was very little to see and no restaurants worth visiting. By this time I was pretty deep in the hood.

Then, a tiny waft of marijuana smoke came in my window — from where, it is unclear. I felt a drugged experience immediately. But, not a marijuana experience. I can’t describe it. I didn’t like it. But, I don’t do drugs and I was sober. It was a heavy, low and distorted feeling. I felt slightly dehydrated and mildly lightheaded as well. After that I felt terror. I had no idea why. I didn’t see that many people on the sidewalk, but the one I saw looked very drugged out. I felt that I was in the wrong place, but thank God during the day. I wanted to get out — and fast. So I turned left and it got more normal again. I drove East and started feeling normal again, then drove North, and then down Vermont. There was a good Asian noodle spot near the university, but they were closed and there was no parking anyway. Vermont was slow going South as well and there was nothing good to see.

After I got back, my psychic said that some 11 year olds were being drugged very close to where I was driving, and they were hired to kill someone. That is why I felt what I felt. I thought the hood was safe now. But, according to the psychic, I shouldn’t be down there …. at all.

So, I guess I am very sensitive to pick up on what other people are doing at least from the vibration. This experience was sort of paranormal, and very disturbing. But, nothing bad happened. I learned never to drive around Los Angeles Friday afternoon. It is terrible. But, Sunday is a good day, and if I ever do another food tour, I will try it then. My papusa dining experience will have to wait!

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July 24, 2021

A response to my Biden post

Filed under: General Stories — admin @ 4:01 am

Many people commanded me to “stop writing about politics.” They really consider themselves to be my personal boss. However, my Biden article about turning mobile notaries into employees or putting them out of work altogether was my most popular article in the last year which proves my point. If people claim they HATE my article, that proves it got at least 3000 clicks while most of the rest of the stuff I wrote seems to get almost completely ignored.

One notary wrote in:
“U-O We have All-Caps-Yelling. I think the way the USA is headed is something to discuss as Notaries Public. Seems the ones who don’t want to discuss this are the ones who don’t want the Truth. It is Not about Politics It’s about a free capitalist society where we can earn a living w/o Gov control. YAY for you Jeremy.”

MY COMMENTS
I spent my entire life not caring much if at all about domestic politics. The only reason I care now, is because the leftists have given themselves permission to butt into my personal life and make it miserable. I was not allowed to go to a restaurant for roughly an entire year, and now I still cannot sit at a bar. If you want to be “safe” then all the most power to you. But, you don’t have the right to tell me where I go and what I can do and then to bash me for talking about politics when I defend my rights.

This is not about politics, it is about basic civil rights which never used to be a political issue. All Americans used to value rights — but, something has changed recently and now Americans are anti-Freedom, anti-democracy, and only like the word democracy when it is used in some twisted way to support some bizarre leftist agenda.

If the politicians would let Notaries do what they like, and let people hire and fire according to their own contracts then I wouldn’t have anything to say about politics in this blog — other than jokes. But, this is no joke. It is real, and in California many have permanently left the state specifically because of this issue. Freelancers moved to Arizona not because they have any love for Arizona, but because they could get freelance work there and continue to make a living.

It is so interesting that the majority of those who comment are violently angry with me for supporting the idea of a free America. Maybe you should all get together and create a 2nd America where nobody has any freedom or ability to make a living — you’ll be very happy there I’m sure — until you come to your senses which might take a very long time.

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July 22, 2021

How to find a Notary mentor

Filed under: General Stories — admin @ 3:59 am

Many Notaries ask me how to find a Notary mentor. I used to know people who did teaching and mentoring. But, they are all getting so old. I don’t know who to recommend. There are several issues here.

ISSUES WITH MENTORS

1. If you get a mentor who is near where you live, you represent competition for them. Even if they are the best in the world and you are brand new, you will eventually get better and take some market share from them.

2. If you get a mentor who is far, then how will you ever be able to meet with them?

3. Ideally, you want a mentor who is about an hour away so you are not in direct competition with them.

4. When I call people who are being mentored, whenever I ask about their skill set, they immediately tell me all about what their mentor knows and how great their mentor is. That is all very wonderful if I am going to hire their mentor, but not if I am going to hire the new Notary. Answer questions about you based on you. If you know nothing, be up front about that otherwise you would be a very slippery person who knows nothing vs. an honest straight forward person who knows nothing. People who hire notaries can see through all of this type of BS and none of us have patience for it or like it. Real answers to real questions please.

HOW TO FIND A MENTOR

NNA used to publish a list of mentors. I don’t know if they still know people who do this.

You can call the most experienced notaries on 123notary and see if any of them will help you. You could call local ones, or people far away with high placed listings.

The NNA claims that social media is a good place to find a Notary mentor. Facebook groups, forums, etc. I tend to agree with that idea. However, people who are busy and successful don’t always show their face on social media because they are too busy working so that they can keep being successful. Meanwhile, people who are not at all successful often spend all of their time on social media, sometimes bashing other people who spend their lives being productive (especially in the notary world.) Carmen and I are very familiar with that type of social media user.

Carol Ray knows many people in the business and might be able to help. She runs Notary2Pro which is an agency that trains Notaries.

Asking leaders of notary organizations (other than myself) might be a great idea. I know people who teach or used to teach, but I don’t know if they are mentors. I just emailed a few to ask if they do it or know anyone who does it. But, the various leaders of Notary organizations might know all sorts of people doing all sorts of things and there are many organizations out there.

HOW TO SCRUTINIZE A MENTOR

Not all people are experts at all things and not all experts are available or helpful. So, how do you find a good mentor? You could find someone 1000 miles away who is good at answering questions. But, that doesn’t help when you want to shadow someone. On a brighter note, if someone doesn’t want you shadowing them, they have to tell you to your face as you can’t “shadow ban” someone who is with you in person. You should ideally either have a company who can micromanage you and walk you through your first several signings, or find a local mentor you can tag along with for three to ten signings.

The mentor should know:
1. Local notary laws
2. Signing agent procedure
3. How to handle situations
4. How to explain the documents, initialing, the right to rescind, document recording, and basics about title, escrow, and lending.

Since you presumably don’t know anything about signing work or situations, you can see if that person knows how to be a good notary at a minimum. But, you won’t know if they are a good signing agent since you don’t know what to ask them to verify that information. You can ask questions about various notary signing topics and see how thorough or intelligent the answers are. However if you are at the stage where you are ready for a mentor, YOU need to be an expert at your state notary law yourself. If you are going to use your stamp even once, you could end up in big trouble if you do something wrong — so know your stuff!

It would be a little like me hiring someone to be a rocket scientist — I wouldn’t know what to ask them since I know nothing about rocket science.

IF YOU ARE A MENTOR
If you actually are a mentor and are willing to deal with new people and their insecurities, you can respond to this blog post! Additionally, if you know where to find a mentor, shares your comments as well.

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July 20, 2021

Is it better to be in a bad hood, or a good hood that has sex offenders?

Filed under: General Stories — admin @ 3:57 am

Somebody wrote a very interesting comment on a blog post a few days ago. She said she would prefer to be in a bad neighborhood than in a good area with sex offenders.

But, I think her comment makes no sense. Sex offenders could be anywhere and tend to be anywhere. The question is, under what circumstance would they do something to you?

If you were on the bus, would they start molesting you? I’ve heard stories. If you are walking down the street, would they start following you or making comments? If you are in a bathroom, would you be safe?

The fact is that I don’t know where sex offenders normally do their offending. I know that date rape is common. I think sex offenders tend to do their magic when they already have you behind closed doors.

So, if you are doing notary work in a good neighborhood, the only thing you have to worry about is the signers being sex offenders, and perhaps getting into an accident.

If you were in a bad neighborhood, you would also have to worry about the signers being sex offenders, getting into an accident, and being killed by the local gangs or crack addicts. I think there is more that can go wrong in a bad area.

SUMMARY
Being in a good neighborhood does not increase the chance of being confronted with a sex offender. On the other hand, it doesn’t decrease that chance either. There is no way to know if you are around sex offenders because they don’t walk around with a sign on them telling the world that they are sex offenders. But, if we lived in an ideal world, perhaps they would — or better yet, there wouldn’t be any sex offenders in an ideal world unless you are a 60 year old woman whose husband ignores you and you dream day and night about encountering a sex offender. It happens, but only in jokes written by Eastern European females.

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July 18, 2021

More on a bar only for “cool” notaries!!!

Filed under: Humorous Posts — admin @ 4:09 am

My short blog about a bar only for cool Notaries took off. The comments were great, and people really liked it. It really needed to be longer, but I didn’t realize it would be so popular. I’m just wondering what would people talk about at a Notary bar?

NOTARY: I’ll have a Manhattan… put “New York” County in the venue though. Manhattan is not a legal name for a county.

JEREMY: Just for my records, do you do other counties too?

NOTARY: Call me back during business hours. Can’t you see I’m having a drink, or trying to?

BARTENDER: Can I see some ID?

NOTARY: I ID you, you don’t ID me…. I’m the Notary. Besides, look at this gray hair and arthritis… Okay, he’s giving me the look. Here is my ID.

JEFF: Hey baby, is that a stamp in your pocket or are you just happy to see me?

MAY: I’m supposed to say that dummy. You’re so dumb I bet you work exclusively for signing companies who low-ball you.

JEFF: Hey hey hey, that was a low blow. We all have needs. Would you like to sign my journal where all the other hot ladies have?

MAY: I thought I was the only one! Hey, I ordered a Reverse Mortgage on the rocks, and I need it yesterday — so backdate it!

BOUNCER: Sorry, maam, but I need to hook you up to the coolometer to see if you are cool enough to hang out here.

MAY: I’m too intoxicated to drive, so I’m in big trouble if I don’t pass.

JEFF: Better hook me up to the laughometer, this chick is funny!

JEREMY: Hey bartender, if Jim Beam wants to be notarized as Jim W Beam, but his ID says Jim Beam, can you notarize him under the circumstances?

BARTENDER: If he’s over 21, I’ll notarize him. I had John Hancock come in here, and guess what he did.

JEREMY: I don’t know… did he sign something?

MAY: John Hancock ate something that didn’t agree with him, but said not to worry, because — he said — he had a good CONSTITUTION!

BOUNCER: I would like to declare my independence. All of you are cool tonight. I’ll see who is coming at the door.

BARTENDER: How come “Margarita” doesn’t have a last name? How do you notarize someone with just one name.

JEFF: Hmmm, I had a guy named Fink once in a bad neighborhood. Real story. That was his first and only name. No surname. Bizarre. Not a wealthy person just for the record.

JEREMY: I’ll have a Black Russian

MAY: Don’t you mean an “African American Russian?”

JEREMY: Comrade please, you think I’m trying to hear that? Oh hell Nyet…. helllll nyet!!!

JEFF: Okay, dos-vidanya… actually it is late so tres or cuatro-vidanya baby!

BARTENDER: How did Mary get bloody? Was it one of those dangerous notarizations?

MAY: Maybe it was that time of the month.

JEREMY: Yeah, the notary business really picks up at that time of the month.

JEFF: Not that time of the month. It’s a different — that time of the month.

JEREMY: Yes, but if you call notaries about their listing at that busy time of the month they get cranky.

MAY: Oh, so now we can get cranky at two times of the month. Being a woman just isn’t what it used to be.

BARTENDER: Since this is a Notary bar, did you know there is a wine called Notary Public from California’s mid coast region.

JEREMY: I knew that — I’ve had it many times. Great wine, a little pricy though.

MAY: I hope they didn’t charge more than the state maximum per signature.

JEREMY: They charged $20 per signature — I mean per glass. Ouch. But, when I had it, I started going into that zone — like a haze, like after you have some French wine, life is like a dream.

MAY: And you started dreaming about notarizing sexy girls on the banks of the Rhone?

JEREMY: Actually, after a glass of Bordeaux at a local spot I started fantasizing about being in the rolling hills of Bordeaux. That thought came to my head as I gazed into the distance in a relaxed state. Ah, the joys of wine. And it all happened at my favorite place in Los Angeles — Farmer’s market.

JEFF: Before I go, does the Farmer’s daughter hang out there?

JEREMY: Yes, but she is not old enough to get notarized…

BARTENDER: And not old enough to do a whole lot of other things too I bet.

MAY: You have to be 18 before your signature is legally binding, and 21 before your drink at a bar is legally binding. That’s one thing you won’t want to backdate!

BARTENDER: I once went out with a chick on a backdate. It was fun, we did everything in reverse.

JEFF: Oh, so you like it in reverse.

BOUNCER: You have a good sense of humor, I’d like to hook you up to the “coolometer” just to get a reading….. oh…. 7, not bad. Better than Jeremy. He only got a 6 which is still passable.

MAY: So, who got a 10 for coolness.

BOUNCER: A guy in New York. But, he never shows up. He’s studying four different languages and has a million different interests. I wish he would come her. I wish for that matter I could bounce people in as well as bounce them out.

JEREMY: Now there’s a thought. What about taking a course on how to raise our coolness level so we’ll be prepared when you hook us up to the coolometer.

BOUNCER: Didn’t you write an article on Bad Boy Notaries? Just read that article again and again — I think that will raise you at least a point right there.

JEFF: Okay, this time I’m really going…. and as always — stay cool and… don’t drink and sign!!!

You might also like:

A bar only for “cool” Notaries
http://blog.123notary.com/?p=22546

Are you a bad boy Notary?
http://blog.123notary.com/?p=22380

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July 16, 2021

Our quiz email — how it started, where it is going

Filed under: Business Tips — admin @ 3:30 am

123notary has always done quality control on its members. Some people don’t like that, but the people who use the site do. We keep track of who gets clicks, who edits their notes, who answers their phone, and who has difficult communication skills of which there are many. On the other hand we have some real personalities who are very professional too.

People who answer my emails are much more likely to get good reviews, and people who ignore my emails are very likely to get bad reviews. So, I use my quiz email not only as a way to assess how you handle tough situations, but if you answer emails in a punctual way or at all.

The quiz email asks Notary questions, but also questions about how to handle situations where things go wrong, or where people don’t return calls. It can get complicated and the answers are complicated too. Sometimes all the answers look right, but there is only one that I will accept.

After I looked at my quiz, I wanted to try to improve it. I tried to think of what I could do better. After an hour of thought I decided that the questions were good, but the answers needed a little refinement. Some of the answers were too tricky or misleading. So, I edited the answers a little. To some questions I removed some of the possible answers to focus on the main question and not whether you read the question carefully enough which is an entirely different skill set. And then on other questions I added answers to see if you knew your stuff or if you were guessing.

Unfortunately, the average score on my quiz is 30%, so for free people I am forced to accept a 20% to keep you only. It is kind of pathetic, but most people don’t even answer the quiz. Only 1 in 5 people answer the quiz email. If I send it out twice, I might get 35%, but that is still not good.

If you are in a quiz mood and want to take my quiz, assuming you have not taken it already, you are welcomed to email me.

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July 14, 2021

How valuable are the various types of notary knowledge?

Filed under: Uncategorized — admin @ 3:19 am

Notaries these days who invest in Notary education study all types of topics. Some study Notary basics, others study TRID, Reverse Mortgages, Helocs, situational knowledge, elite knowledge, or just plain signing agent knowledge. Marketing skills are also taught by many agencies. So, which skills are the most valuable?

As a signing agent, companies typically babysit you unless you are very advanced and work purely for title companies. If you make mistakes, that is very unprofessional, but they generally catch you before it is too late due to the scan backs and fax backs. Notaries do not get complaints about errors on our site these days. When they do get complaints it is because they are rude or don’t show up, don’t return phone calls, or don’t get documents back on time.

So, let me make a pecking order of Notary skills in an order that makes logical sense to me.

Notary knowledge
If you don’t know how to be a solid Notary, you are endangering the public as well as yourself and leaving yourself open to legal liability. A mistake identifying someone, or filling out your journal can lead to a lawsuit, or lack of evidence in a legal proceeding. That is very serious and can ruin not only you, but all who are involved in a transaction with you. Failing to properly administer an Oath (when required) can lead to the termination of your commission if you ever get caught and is considered Perjury which is a Federal crime! If you don’t fill out forms properly or follow Notary law and procedure, you can ruin your life. So, Notary knowledge is the highest priority as a Notary Signing Agent and THAT is why we teach the finer points at no cost in Notary Public 101 on the blog.

Signing Agent knowledge
Knowing how to initial, date a right to cancel, and understanding the basic documents in a home-owner Refinances are skills that you will need to use a lot. You can ruin a signing if you miss signatures or initials, or put wrong dates on documents. Signing Agent skills seems to be a definite #2 in the pecking order of what you should study.

Marketing
If you know your basics, but don’t know how to attract work, you might get a few jobs here and there, but won’t have a side career of any scope. Learning Notary marketing is easy because there are good teachers everywhere. 123notary and LSS do a nice job teaching notary marketing. Some of the knowledge is available in our loan signing course and a lot more is on the blog in the marketing category on the right.

Specialty Skills
It is always good to learn more. Being TRID trained, or trained in reverse signings is great. But, that is the last step in my opinion. It impresses clients when you go above and beyond in your training. It shows motivation and effort and makes them more likely to hire you. But, learn the other stuff first as that is a lot more critical for basic survival.

How many certifications should I get?
The more the merrier. If you advertise with us, you should consider ours. If you are a paid member, we sometimes offer to test you by phone at no cost if you study from Notary Public 101, but we get very few takers. Our test is the hardest in the industry and our teaching materials are the most practical — and NOT the most expensive. We have the least expensive certification compared to the big players!

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July 12, 2021

1 Million E&O is common as of Dec, 2020

Filed under: Business Tips — admin @ 3:17 am

Every week I do my welcome calls to some of the new Notaries. I no longer have time to call them all, but I call many. More and more are getting 1 Million Errors & Omissions or 2 Million in E&O Insurance. It is a shock to my system.

I joked that one day there would be a 6 million dollar Notary that would be called — The Bionic Notary would could notarize twenty documents in three minutes flat including journal signatures and then jump over fences.

It is a lot less expensive to get high E&O limits these days and that is why it has become more popular. So, I might suggest upping your E&O if you have signed at least 1000 loans so the title companies will consider you more.

Just wanted to share the news.

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