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January 26, 2011

Snapdocs is copying 123notary (in a few ways)

Filed under: Popular on Twitter 2011,Signing Company Gossip — Tags: — admin @ 10:15 am

I just found out that Snapdocs has ten basic questions they ask their members about loan signing. Those questions are nothing to compare with how thoroughly we test our higher level notaries. However, I was impressed at the quality of the Snapdocs questions. They were very practical and useful questions, and not very difficult either.

I heard that Snapdocs had had those questions from long time back. But, they seem to be emphasizing questions more, as I did not hear of them asking technical questions before. So, does that mean that Snapdocs is copying 123notary’s style? Does that mean they are learning from us? Is 123notary influencing how the industry does business? I am feeling that we are making an impact, although I cannot definitively say it is true.

I think if we at 123notary talk to the title companies and make a list of all the dangerous and foolish things that so many notaries do, the title companies will become a lot more hesitant to hire a Notary who does not have proven skills. We want to promote our certification, and now that we have cleaned it up, it represents a certain higher standard of knowledge.

I wonder how much Snapdocs will do to enforce or encourage a higher level of Notary knowledge. Few Notaries will try to get that distinction unless something changes in the industry and people start valuing education.

.

You might also like:

Notary opinions about Snapdocs in the forum & blog commentary
http://blog.123notary.com/?p=21299

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

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

Compilation of posts about SnapDocs
http://blog.123notary.com/?p=21531

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Clarifying vague claims in your notes section

Filed under: Your Notes Section — Tags: , , , — admin @ 8:20 am

Vague: I am experienced
Better: I have signed a million loans including reverse mortgages, HELOCS, 1st & 2nd mortgages, and Debt Consolidations

Vague: I am dependable
Better: I always confirm the signing from my car. I let them know my ETA and let people know if I am running late (which is not the norm)

Vague: I am meticulous
Better: I always triple check my work and make sure that my stamp is clear, especially on recorded documents.

Vague: I love people
Better: It is so nice to constantly be meeting new people all the time at signings.

Vague: I love animals
Better: I always introduce myself to all of the animals at a house when I do a signing. Animals understand me — and if you don’t believe me then ask them!

Vague: I am detail oriented
Better: I am very particular about where each initial goes, and how it is formed. I like people to put suffixes on their initials such as Jr. or III when applicable just to be thorough.

Vague: I am very professional
Better: I wear business casual to all signings. I introduce myself at the door and NEVER park in the driveway unless requested to by the borrowers. I introduce the documents one by one and show the borrowers all critical information on each one, before we start signing.

Vague: I have a flexible schedule
Satirical: My schedule is very flexible because IT does yoga. I do not do yoga, but my schedule takes regular yoga classes at Bikram, so I can accommodate signings at the oddest of hours.

Better: I am available from 8am to 10pm, but will consider signing after that if given advanced notice and extra financial compensation.

Vague: 10 years of notary experience
Specific: 1000 loans signed (more more informative)

Vague: I have 20 years in the financial industry
Specific: I was a Mortgage Broker for 10 years and a Title Officer for another 10 years.

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5 Benefits Of Notarizing Your Business Documents

Filed under: Other Guest Bloggers — admin @ 4:25 am

The government does trust the notary public, so their signature or seal is a valid sign of document reliability. Below are a few reasons why you need to have a notary public present when you are signing your essential business documents:

Your contracts become ‘self-authenticating.’
Under the Federal Rules of Evidence, a contract with a notary public’s seal is considered to be self-authenticated; meaning that in the case of a case, the witnesses who signed the documents need not appear in court to verify their signatures. This saves plenty of time, money and acts as a huge convenience in the witnesses favor.

They ensure that your documents are signed under the right circumstances
Technically, the notary public notarizes your signature, not the documents themselves. They are reliable witnesses to the fact that the person whose signature is on the document in question is indeed the one who signed it. They also ensure that the person who signed it was of sound mind and not under any duress. Again, the notary public has to ensure that the witnesses who sign your documents are within the legal right to do so.

Notarization provides clarity
There are many legal documents now that stipulate the way people go about their lives. A Power of attorney is required by a grandchild to make significant, life-altering decisions for their ailing grandparent, or title deeds to transfer ownership of land. With a notary public’s signature, these documents’ validity can be ascertained to avoid grey areas that cause conflicts.

Notaries ensure that the documents in question are adequately executed
All legally binding documents hold the signer to a commitment, and one of the notary public’s duties is to ensure that the signer fully acknowledges the agreements and obligations. For instance, for a will to be valid, it needs to include the signature of the testator, and those of two witnesses, plus a QLD probate process to facilitate execution. Yet, some states will require that a will be notarized for it to be valid. Again, if disputes are litigated, it is crucial to have a notary present. A court considers sworn affidavits as valid if they are notarized.

Protects you from fraud, identity theft, and other kinds of crimes
Having a notary public present during the signing of your documents provides you with the safest possible fallback plan, if not a prevention plan in the case of forgery and other serious white collar crimes. In this age of technology and sophisticated forgery schemes, you cannot go wrong by having your documents notarized. Notarization is now a major risk management tool for all kinds of businesses.

Conclusion:
Many people avoid notarization services because they are an added expense and may take time. However, with e-notarization, you get quick and more convenient services to keep your business documents risk-free.

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January 25, 2011

Notary Housewives

Filed under: Humorous Posts — Tags: , , — admin @ 11:42 pm

You’ve heard of Mafia housewives, Mid-Western houswives, well now there’s Notary housewives.

WIFE #1: Honey, I thought we talked about that before.

NOTARY #1: I know, I know, I know. I was supposed to do this a month ago. Get an inkless thumbprinter so I don’t come home with ink all over my hands.

WIFE #1: The NNA sells them for only about $16. Just do it. And while you’re at it, don’t forget to take out the garbage — it’s stacking up.

NOTARY #1: So, are you still mad at me?

WIFE #1: About taking late night jobs? It’s not that. I just want to know where you are. It makes me feel uncomfortable that you’re with strange women at all hours of the night.

NOTARY #1: For your information, they’re not strange. And there are men too who I notarize.

WIFE #1: You notarize men too?

NOTARY #1: Of course I do. Men have notarial needs too. Didn’t you know that?

WIFE #1: Well, I’d just be more comfortable if you would call and let me know where you are and what you’re doing.

INTERVIEWER: I’d like to ask the other wives what type of issues they’ve had with their husbands. How about you Samantha. Tell us your story.

SAMANTHA: I met him five years ago. I thought he was the best guy on earth. I wasn’t bothered by the fact that he was a Notary. I didn’t know that had a stigma to it. It took me a year to find out why. We were at this party. They had a BBQ, kids, families. We were just hanging around mingling. It was nice. I liked it. That is the way weekends should be. Then, Bob got a call. I couldn’t believe it. And he actually answered it. It’s Saturday — how can you answer a business call on a Saturday? He told me the whole deal about how he had bills to pay. I said, your bills can wait. Enjoy yourself. They offered him $100 to come out and sign a few documents. So, he asked if I wanted to come with him. I foolishly said yes. It was horrible sitting there watching the entire family there fight while he signed some contract documents for them. I don’t see how he can handle that type of life. So, after we finished driving and doing the job, it was too late to go back to the BBQ. I wanted to make new friends. But, instead, I drove around town with my mobile notary boyfriend who I later married. Since then, it has only gotten worse.

INTERVIEWER: I’d love to learn how it got worse. But, we’re running out of time. I want to hear Gwen’s story. Gwen, tell us what happened last week with your Notary husband.

GWEN: You wouldn’t believe what happened to me yesterday. I told my husband that I wasn’t feeling like myself. I asked him if he had any suggestions. He recommended that I check my ID to see who my ID said I was. So, I did — and sure enough, I was myself. Then, he said perhaps I should have a separate ID for when I don’t feel like myself to reflect that person. What a nut! Then, I said to him — I feel like I don’t really know you anymore. He told me that I can be either personally known, or proven on the basis of satisfactory evidence. What’s that all about?

INTERVIEWER: It sounds like you’re growing apart. It’s normal for the excitement in a relationship to wear off — especially if that relationship is with a Notary.

GWEN: Tell me about it.

INTERVIEWER: Well, we’re out of time. Tune in next week for another episode of Notary Housewives called Housewives without Mortgages!

.

You might also like:

Notaries without makeup
http://blog.123notary.com/?p=15405

Notary Oscars
http://blog.123notary.com/?p=16540

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The man who wouldn’t use his middle initial

Filed under: Legal Issues,Technical & Legal — Tags: , , , — admin @ 10:21 pm

Once upon a time, there was a man who didn’t want to sign with his middle initial.

This man was very uncomfortable using his middle initial and protested vehemently.

He wanted to use his regular signature to protect himself from identity fraud. He felt that signing in a slightly different way would make him succeptable to identity fraud.

During the initial signing, he was forced against his will to sign with his middle initial. This was during the time when he was doing a purchase on the property. Then, several years later on the refinance signing, the notary explained how he wouldn’t get his money if he didn’t sign with his middle initial.

No initial — No $200,000 — it’s that simple.

So, after a little coaxing, the signer did what the notary asked, and signed using his middle initial, and all went well.

And everyone lived happily ever after

The End!

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A scene from the Minion Loan Signing

Filed under: Virtual Comedy Themes — Tags: , , — admin @ 12:39 pm

The Stevens needed to have their loan signed. However, a small mishap occured right before the signing. The Notary’s car was attacked by 200 minions who stole the Notary’s seal, journal and appointment schedule. A few minutes later, a few minions showed up at the loan signing for the Stevens.

(knock knock)

MRS STEVENS: Uh, hello? Can I help you?

BOB: Hello, hello

KEVIN: Hello (meanwhile Stuart is going in through the window)

MRS STEVENS: I see you have a Notary Seal. Are you the Notary?

BOB: I’m Notary Bob. he he, he he, he he. Notary! (jumps on the table with notary bag) Notarize documents!

KEVIN: I help Bob. Assist he-he he-he he-he (jumps on table and slides all the way to the end at lightening speed)

MRS STEVENS: Are you sure you are a Notary?

BOB: Bob Notary has commission (whispers into Kevin’s ear… “quick get me a commission!”)

KEVIN: One moment — one moment… ha ha, ha ha, ha ha. Be right back. (jumps out window and scribbles something on a paper on the lawn and then embosses it with gold seal)

BOB: See — Bob Notary real Notary. Real Notary ha ha, ha ha, ha ha.

MRS STEVENS: I’m not so sure about this.

BOB: You sign the document. This page, this page… right here,

MRS STEVENS: I don’t want to sign

KEVIN: Ohhhh…..

MR STEVENS: But, I’ll sign

KEVIN: yay!!!!! ha ha, ha ha, ha ha. Sign right there…. Bob Notary Notarize you!

MR STEVENS: Okay, I’ll sign this one and this one and this one.

BOB: Okay…. Now, I notarize! Here’s my stamp. Hmmmm…. out of ink. Uh-oh!

KEVIN: Uh-oh

STUART: Oh-oh… no problem, I brought ink!

BOB: I add ink! Oopss… (spills ink all over the documents) uh-oh

KEVIN: Uh-oh

STUART: Uh-oh…. borrower copies! (whips out borrower copies and Mr. Stevens signs them again.)

BOB: Okay… I stamp here…. stamped. done… notaized! notarized! notarized!

KEVIN: I put them in Fedex! … All done!

MINIONS: Bye bye, bye bye, bye bye… (they all jump out window. Then, they jump in the car and drop it in the Fedex box.)

KEVIN: But, what if Fedex driver doesn’t come?

BOB: uh-oh! —- ahhhh… Bob Notary has idea! Move Fedex box to Fedex station!

MINIONS: Yay!!! good idea… good idea….

So, about 200 minions come out of nowhere, rip the fedex box out of the cement and deliver it to the Fedex station and drop it in front of the staff member.

BOB: Bob Notary want receipt.

FEDEX GUY: I’m calling the police

BOB: We control the police as part of our world domination! King Bob rules!

FEDEX GUY: Okay, never mind.

MINIONS: Okay, okay okay… thank you! (then they slide back into the parking lot at lightening speed, and run away giggling!) ha ha, ha ha, ha ha….

.

You might also like:

Lifestyles of the rich and infamous signing companies
http://blog.123notary.com/?p=16715

UFO Notary Seal
http://blog.123notary.com/?p=16533

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A resurgence in interest in 123notary certification

Filed under: Certification & Communication Skills — admin @ 10:51 am

(originally from 2019)

More and more Notaries are becoming a lot more serious and interested in 123notary.com certification. In the old days people said, “I am already NNA certified so why do I need yours?” The answer was always — how much work do you get from signing agent.com. The answer was generally, “not much.” Our site is based on quality and our certification gets people more work.

The amount of interest is like drops in a bucket. Every week a few people express interest and some of them will study enough. But, this can add up over time. Carmen and I like teaching people and we have given a lot of free time to those who expressed an interest in Notary knowledge.

I hope that in the future people start taking notary education more seriously. Although the general climate in the notary industry is low-balling and not quality, quality notaries do get more business and do make more money. So, there is a huge benefit in being at the top of the food chain even in today’s market.

People love our Notary Public 101 course on the blog. We have had more than 10,000 people visit the home page of that course. Most people read it for pleasure and not for mastery, but that is better than nothing. I hope that more Notaries express an interest in learning regardless of who they learn from. 123notary is not just a job, it is my craft and I seek to be the best craftsman I can be by having the best directory. Having the best directory means having the best and most desirable Notaries and that means that you guys need to study and be your best.

Many of you have the intellect to be masters of this trade. However few of you start out with the knowledge. Knowledge is there for the taking. It is just a matter of approaching the information with the intention of mastery. This takes time, patience and perseverance, and perhaps a little tutoring from the people here at 123notary.

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Notary Pick Up Lines Part 1

Filed under: Humorous Posts — Tags: — admin @ 10:39 am

Here are some great notary pick up lines, just in case you ever join a notary dating site.

What’s your sign?
Can I buy you a journal?
So, do you stamp here often?
That’s a nice embosser, is it gold, or gold plated?
Do you shake hands, or shake right thumbprints on the first date?
My signing or yours?
Should we do the signing at my house, your house, or at a Starbucks?
Are you into backdating?
What’s the weirdest ID you ever saw?
I would shake hands, but I can’t because I have a bad case of Notorial Sclerosis.
I just got my expiration date extended, what about you?
Is your APR higher than your rate?
Have you ever hired two notaries at the same time?
Gee, I just love this venue, wonder what county we’re in!
Do you think you could personally appear before me?
I had to initial a form before I could get an open tab!
So, you have ever exercised your right to cancel on a date?
There was a long line at the Fedex station this evening — what a night!
Don’t you hate it when the signer has a middle initial they never told you about?
So, are you a member of 123notary.com? A certified member?

Also see:

Notary Pick Up Lines 2
http://blog.123notary.com/?p=9854

Jane the Virgin Notary
http://blog.123notary.com/?p=14899

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Notary Hyatt Regency

Filed under: Virtual Comedy Themes — Tags: , — admin @ 7:16 am

Have you heard of the Notary Hotel or Notary Motel? If you have been working for high paying title companies, you can now afford the Notary Hyatt, but the breakfast isn’t included unless you have a special arrangement.

CHECK IN

NOTARY: Hi, I’m here to check in. I have a reservation for tonight.

CLERK: Ah yes, Mr. Public We’ve been awaiting your arrival.

NOTARY: Do I sign your journal based on the date I made the reservation or the date I check in?

CLERK: The date you check in — of course. Sign right here. And I will need a thumbprint.

NOTARY: Well I’m all thumbs — and besides, I’m too nice to give you the finger. Is it one journal entry per person per room, or one entry per person regardless of how many rooms?

CLERK: Just one journal entry, unless it is a corporate sale.

NOTARY: Do I get one key or two? And how about a pool wristband?

CLERK: The wristband has your inmate number on it, but can no longer be used for notarization per the new civil code 4583.45.

NOTARY: Oh, that’s too bad, but I don’t see myself being notarized in the hot tub. This is the first time I’ve heard “notarized” and “hot” in the same sentence.

CLERK: We certify that it gets up to 125. Don’t scald yourself. But you can get notarized underwater in the pool using our new underwater eNotary technology.

NOTARY: Great. If they drown, I can notarize their Death Certificate. Is the underwater eNotary technology hands free? My mother told me never to use electric appliances in the bath tub.

CLERK: No you just use your finger like you would paying your bill at a restaurant on one of those eSignatures. You can even buy a wet noodle underwater using our system.

NOTARY: That’s great, because I want to visit your Chinese spot next door. Can I get a Chinese continental breakfast with Shao Bing You Tiao tomorrow?

CLERK: Sorry — wrong continent. But, I will give you a complimentary breakfast ticket. Use it from 6am to 10am downstairs — don’t lose this. And here is your room key. It looks like a notary seal, just affix it to the rectangular pad on your door to get in.

MAID SERVICE: You will love our soaps in your room. We have one soap that is made with squid ink — especially for Notaries. An ancient Chinese saying says it helps you notarize better.

NOTARY: Hmm, never knew Confucius ever needed a Notary.

MAID SERVICE: Oh all the time. During the analects, he had to see a Notary several times in fact. And one more thing. There is a password to get into your room. We do this to keep the fake Notaries out. The computer embedded in the door will ask you to give Oath verbiage just to make sure you are upholding the law as a Notary Public. If you fail to give an applicable Oath, you might have to come down for a tutoring session before you get to sample our soaps.

NOTARY: I heard the remote for the TV was shaped like a Notary seal.

MAID SERVICE: That it is. But it is not one of those PhD remotes. It is really simple. Here, let me emboss your breakfast card so you can get a free omelette.

NOTARY: Cool, I mean hot.

(meanwhile the notary goes to his room.)

NOTARY: Wow, this joint is plush city… I wonder what’s on television. Oh, the Notary Channel. Who would have thought. Oh, another Notary channel for adults — Lucy embosses the seven sailors. Very naughty. I wonder how I can see a movie. Oh, I need to be notarized to see a movie to make sure I did not hit the buy key by mistake. My remote does a print out, I sign it, and then maid service notarizes it? Hmm. Let me ring.

MAID SERVICE: Hola — lociento pero no Ingles senor.. Just kidding!!!! You rang? Need something notarized? I love this concept. I am notarizing a Notary. Isn’t that like marrying your sister?

NOTARY: Not exactly. Here is the printout. I am ordering the movie Nancy breaks down the acknowledgment process. Something nerdy to fall asleep to.

MAID SERVICE: Oh, that is a good film. Nancy gets arrested in part three because she does something illegal by mistake because she skimmed through the tutorial instead of mastering the materials.

NOTARY: Finally a notary so bad, even Nicholas Cage won’t star in it. I gotta see this. Okay, here is my ticket. Please notarize it.

MAID SERVICE: This is a form is the same as a credit card receipt. There is no room for my notary seal!!! Just kidding, we use a small one for these forms. We have a customized seal for it in fact that we use just for movies. It is cleared with the Secretary of State too.

NOTARY: Super. How much do I owe you?

MAID SERVICE: Just a review on Yelp please. That is worth more than gold — providing it is a good review.

NOTARY: Well I’m going to say how you ruined the movie by telling me what happens in part 3.

MAID SERVICE: But, I didn’t tell you how it ends… So there will still be mucho suspense!

NOTARY : Good point.

(At breakfast)

Wow, I just love these eight large bronze circular containers with lids. This is a high-class breakfast. Or should I say Hyatt class. Hmm, the breakfast skillet looks good with the sausage, potatoes, onions, and peppers, I’ve never seen this before except at Denny’s, well, the pictures in the menu at Denny’s. Oh, certified Costa Rican coffee. That looks good. I love this place. (20 minutes later) Time to go back upstairs.

(At door to room)

DOOR: Please administer an Oath to me for a document that says, “I want to take a shower.”

NOTARY: I don’t understand the question.

DOOR: Entry denied.

NOTARY: Hey, I paid a lot to stay here!!!

DOOR: But, this hotel is for Notaries only. If you don’t know how to administer an Oath, you are not a real Notary. You are fraud. Fraud alert buz buzz buzz. Fraud alert.

NOTARY: Okay okay okay. Do you solemly Affirm that whatever… that I want to take a shower.”

DOOR: BUZZZ wrong!!! You are having ME swear that I want to take a shower, not that YOU want to take a shower. And in an Oath, you swear not affirm. Don’t they teach you anything in Notary school?

NOTARY: In my state we don’t have Notary school.

DOOR: You can say that again. Please go downstairs for your tutorial and we will need to re-zap your key.

NOTARY: Is that the correct verb, to zap my key for another 24 hours of entry?

DOOR: Some people say “re-key” or configure your key.

(meanwhile downstairs)

TEACHER: Hello student. Do you know the difference between an Oath and an Affirmation?

NOTARY: Ummm.. Aren’t they the same?

TEACHER: They can be used interchangeably, but if the customer requests one, you cannot give them the other, that would be choosing the notary act for them and these are distinctly different, yet interchangeable notary acts.

NOTARY: Umm, but what if the signer doesn’t want to talk about God?

TEACHER: You can recommend an Affirmation if they don’t like God — their maker. But you cannot choose for them.

NOTARY: What if they object to the absence of God?

TEACHER: Not in this century. This is the no God century. I’ll be surprised if the entire earth doesn’t fry. Hell, fire and brimstone!!! Just say to the door, “Do you solemnly swear that you want to take a shower?” Then, wait for the door to say yes. Then, you will have to figure out how to get the door in the shower, and how it will have privacy where there is no door in the doorway.

NOTARY: Hmmm, very good point. But, wouldn’t it be the computer in the door that wants a shower? Perhaps we could give it a waterproof shower using new technology. Unless the door is just testing me.

(back upstairs)

NOTARY: I’m ready. I’m putting my key in, or my notary seal against the stamp pad. Open sesame.

DOOR: I have signed this paper and want an Acknowledged signature. Would that be okay?

NOTARY: Well I don’t feel comfortable notarizing something that you already signed. Can you sign it again?

DOOR: How badly do you want your shower with the soap with squid ink in it — in minute quantities of course.

NOTARY: Okay I’ll do it. Will I end up in jail like Nancy?

DOOR: If you read (not skimmed) but read your handbook, you would know. Access granted.

NOTARY: What a relief. Just as a disclaimer, the real Hyatt does not do stuff like this. They just let you into your room with your key with no notary questions. This blog is about the Notary Hyatt — completely different place. But, you know something. I like this place so much, I’d like to stay here for the rest of my commission until my expiration date. I wonder if they can make me a key that works for that long. In any case, I have appointments today, so I have to check out. Let’s see how that procedure works.

FRONT DESK: Please destroy your notary seal key and bring it to the Secretary of State County Clerk office on the main floor.

NOTARY: Where is that?

FRONT DESK: The next desk over. You will need to take your Oath of non-office there too now that you are checking out. It’s like a Notary Oath of office in reverse.

NOTARY: Got it. I’m filled with energy from the waffles, so I think I can handle it. See you next time.

.

You might also like:

The sleezy Notary motel
http://blog.123notary.com/?p=16118

Welcome to the Notary Hotel
http://blog.123notary.com/?p=8822

Notary Hotel 2 — The Sequel
http://blog.123notary.com/?p=9887

Discounts for early booking a Notary appointment? Hotels do this.
http://blog.123notary.com/?p=19072

.

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Reverse Blackmail at a Notary Signing

Filed under: Drama & Tragedy,Ultra-Popular — Tags: , , , , — admin @ 12:04 am

A notary accidentally notarizes an incompletely filled out document. The client holds on to it with hopes of blackmailing the notary. The notary gets a call:
Client: “Hello, I have an incompletely filled out document that was notarized by you… I am going to report you to the Secretary of State and your commission can be revoked, suspended or terminated if I do so. I need you to do 20 notarizations over the next few weeks, otherwise I will report you!”

Notary: “You mean, I have to be your notary on call? How degrading! I can’t believe I made a mistake like that! Please make a copy of the notarization and forward it to me so I can see it.”
Client: “Well, I can get it to you right away. I need something notarized, but don’t have ID. This is why I am having so much trouble.
Notary: “Can you put your request in writing? Email it to me and I will take a look at it right away.”
Client: “Okay, I’ll send it in an email”
Notary: “Ha HA, you just committed a misdemeanor, and I have it in writing! Give me my original document back, and I won’t report YOU to the Secretary of State!
Client: “You wouldn’t!”
Notary: “You gave me no choice. Now the hunter is the hunted.”
Client: “Ah…. could you put that in writing…”

Tweets:
(1) A notary accidentally notarizes an incompletely filled out document, then gets blackmailed!
(2) I need you to do 20 notarizations or I will report you to the SOS who will revoke your commission!

You might also like:

A client tries to blackmail a very seasoned notary
http://blog.123notary.com/?p=4223

Backdating from A to Z
http://blog.123notary.com/?p=2424

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