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March 24, 2020

Good business names vs. Bad and which names get clicks…

Filed under: Advertising — admin @ 8:35 am

Some of the Notaries on our site have registered business names that they do business under. We recommend going to the county clerk and registering a well thought out business name. However, the name you pick for your business can affect the quantity of clicks you get on directories. Some types of names get the business while others just collect dust. The day you register your business has astrological implications as well, but that is a topic for a different day.

After a quick analysis of business names, I have come to the conclusion that the debate is more than just between good and bad sounding names, but between different types of names. There are specific local geographic names, larger geographical area names such as the name of a state, personal names mixed with notary terms, unusual names, and generic or not so good sounding names. It is a little difficult for me in my opinionated state of mind to decide which business name is better than another, so I will rely on clicks to decide.

Please note that clicks vary widely based on what area you are in, how many reviews you have, how good your notes section is, and how well known and popular you are as most people who hire you from a directory already know you.

1. Large Geographical Areas: 2.5 clicks per day average for first three entries. The other two have unusual considerations. Please keep in mind that CA Notary Services has an incoming link from one of its sites to one of its listings, so the stats will be affected based on that link. New York Mobile Notary Services is an organization with several people working for them and they have been around for a long time, and their geographic area is known for getting disproportional amounts of clicks.

The click average for these five entries is 3.28 if you do not take into consideration the abnormalities of the sample data. The average would be 2.5 clicks per day without the two listings that are “statistical anomalies.” I personally do not like business names that use the name of a state simply because the notary can only offer service to a particular part of that state. However, the clicks indicate that this type of name gets clicked on a lot. Jeremy says one thumb up but the clicks say two.

Mobile American Notary & Apostilles
AZ Notary Services
Illinois Public Notary Services
CA Notary Services
New York Mobile Notary Services

2. Personal Names + Notary or Business Terms: 1.9 clicks per day average I think that this type of business name is not bad. However, I prefer catchy unique names that grab your attention and are easier to remember. One thumb up for this type of business name.

Kalation’s Business Services
Roger’s Notary Service
Ellen The Notary
Saul Mobile Notary
Arlene Mobile Notary

3. Names I thought were weak in appeal: 1.35 clicks / day.
My gut reaction to these names matched their overall click appeal or lack of it thereby. Attributes combined with a notary term just don’t work. Putting two initials together with an & symbol did okay with D & D, but we don’t have enough evidence to get any idea of whether it is a good idea to use such a type of business name. Once again, I prefer a catchy unique business name. Two thumbs down for these names (sorry).

925 Notary
Reliable Notary
Prestige Mobile Notaries
Pro Bix Notary
Notary Pro Today
I &S Notary & Wedding
D & D Document
Mobi Notary

4. Unusual Business Names: 1.3 clicks per day.
These names are very unusual, but lack any type of kick to them. Half a thumb up.

All things named notary services.
Sevendocs Mobile Notary

5. Local Business names: 1.9 clicks / day average.
This type of business name is good because it lets the client know that you focus on their area. However, it is a bit generic and not very interesting. One thumb up for this type of business name.

Bakersfield Mobile Notary
Manhattan Mobile Notary & Apostille
Bronx Mobile Notary Service

6. Business names that Jeremy likes most: 2.3 clicks per day.
First of all, I wish there were more business names on our site. I cannot go through the entire site every time I write an article. I only go through the big cities. These are some interesting names in this category. Golden Gate Notary lets you know they cover San Francisco and surrounding areas without blatantly saying it. It is like poetry to my ears. Bay Area Notary does the same thing but has a larger implied coverage area. Neighborly Notary has a warm feel to it. No hassle is a really cool name that speaks to one’s emotional tribulations. A1 is a bit cliche, but gets the most clicks in this category and sounds good if you need a filet mignon notarized. Five Star is a great name and I’m surprised that nobody else used it. The Notary to Call is an awesome name because it says it all, is relatable, but yet unique and catchy. I love these names and hope that people can think of more catchy names. Two thumbs up for the names in this category, and the clicks agree with my opinion in this case.

Golden Gate Notary
Bay Area Notary
Neighborly Notary NYC
No Hassle Notary Public
A1 Notary Services
Five Star Mobile Notary
The Notary to Call

CONCLUSION
I recommend having a business name and spending lots of time brainstorming your options and consulting different people about this major decision. Unique and catchy names win the game, but business names that incorporate geographical terms, especially wider geographical terms seem to be successful as well.

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March 22, 2020

10 things for a Notary to do while under quarantine

During these precarious times, it is possible that some of us will be quarantined, and a lot more likely that our cities will be shut down. People are so insane these days, that they will shut down a metropolitan city completely because there are 40 cases. If you get rid of those 40 cases by quarantining them or quarantining the entire city, the minute you let people from other cities come in, you will get those 40 cases back within days. So, the NYC shut down is very wasteful and damaging to society and accomplishes nothing.

Meanwhile as of March 13, 2020 New Mexico is closing schools. New Mexico has zero recorded cases of the disease, so they are stopping a non-existent transmission of the disease at the expense of hundreds of thousands of children. And what are the parents of these kids supposed to do with their kids at home, especially if they don’t have enough food to feed them? I don’t think local governments are intellectually astute enough to figure this out.

If cases in a particular area are low, testing and quarantining individuals makes a lot of sense. You shouldn’t shut down an entire city or country if there are only a few cases.

But, what are you going to do if you get shut down or quarantined. Here are my suggestions:

1. Study up on Notary knowledge. Read blogs, certification courses, and Notary Public 101 on our blog which is a very popular free course.

2. Re-ink your seal. It’s over due for an inking anyway.

3. Do some stretching. Your hamstrings will thank you. But, what if you are vegan? Would you still have ham strings, or would you have gluten strings? What a perplexing issue.

4. Call clients who you haven’t heard from in a while. Let me know you still exist.

5. Go from supermarket to supermarket to see if anyone has any bottled water.

6. Eat something with garlic, ginger and spices to boost your immune system and to show solidarity with those in Italy.

7. Watch sports matches on television — oops, you can’t because they have all been canceled. Maybe netflix will have them.

8. Take a long walk.

9. Meditate

10. Take cough medicine — unless you don’t need to.

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March 20, 2020

Covid19, Panicking, and the Notary Industry

Filed under: Drama & Tragedy — Tags: , — admin @ 8:17 pm

It seems that the Covid 19 virus is hitting America. The numbers keep changing fast as we are testing more people. Honestly, America had two and a half months to prepare for this outbreak and moved slowly. The President downplayed the danger of the disease as well which is dangerous in itself. Now that the disease is off the leash in America, we are starting to realize that perhaps we should learn from particular Asian countries on how to get a handle on this problem. Testing likely suspects in mass is a big part of it. But, what about Notaries, what should your concerns and actions be?

Be Prepared
It is a problem that people are panicking. This results in unstable business decisions. It also results in stores being sold out of face masks (not a problem in my area yet), hand sanitizer, paper towels, bottled water, and water filters. It makes sense to have a supply at home because these items sell out quickly. I was lucky and got some paper towels and water today which is March 10th although I might not publish this article for a while.

The Stock Market
Stocks are plummeting in value. I understand that cruise and airline stocks should lose some intrinsic value due to this disease. But, banks should not be too affected by this problem, yet their stocks are dipping just as badly as airlines. Even Coca Cola which is a very stable company has lost a lot of ground and they are one of the most stable stocks that exist.

Your Behavior
I heard that the refinance marked spiked and then the phones stopped ringing in the last few days. Interest rates are low and could get lower as the global economy is slowing down due to the disease and due to the trade war between the USA and China. This means more refinances. However, if people are afraid to go to work or leave the house, that means there might not be any business for Notaries. Very few people are infected in America at this point and it does not make sense to avoid leaving the house at this stage. Once we get into late April or May then it might be a much more serious situation and you might face immediate risk.

The 18 Month Rule
Some people have decided to shut down schools or not go to work. Newsflash – pandemics like the Spanish Flu, Swine Flu, and Covid 19 typically last 18 months or longer. So, if you have decided that shutting down your school or playing hookey on work makes sense, ask yourself if you can afford to continue that behavior for 18 months. Sure, if there is an acute outbreak in your particular area, then cancelling school makes sense. But, now, there are only three areas in the USA where it makes sense to cancel school.

The Elderly
If you are 60 or over, or have a lung condition it makes sense not to get on an airplane, cruise ship, go to the movies, go to a convention, or be anywhere where you will be in close proximity to large quantities of humans, especially if the ventilation is anything other than clean air.

My recommendations
I am not a doctor, but I think stocking up on some food and supplies makes sense at this point because the shelves at your supermarket could end up stripped bare at some point. It makes sense to wash your hands regularly with soap and disinfect surfaces in your house regularly. It makes sense to avoid crowds if you can. But, you need to go to work unless there is some pressing reason why you wouldn’t. If you are sick, elderly, or there is an outbreak in your city you might stop going to work for a while. If you are able to work from home that is great and recommended. But, if you have to work at an office, take some vitamin C and hope for the best. You can’t just end your life before it is over.

Loan Signings
Don’t be afraid to do loan signings. There is a chance that the signers could be infected, but a very small chance at this point. Stay six feet away from them and make sure they don’t sneeze on you. Disinfect the table with wipes or lysol. You might check with the borrowers by phone to see if they are coughing or sneezing. Take some vitamin C and garlic and hope for the best. We cannot just shut down society at this point because there is a tiny risk of exposure.

What should the government do?
We should test all those with symptoms in a very efficient way. We should test all that have come into contact with diagnosed individuals. It might also make sense to test all who live in areas with high rates of infections. There is a pecking order for who should be tested. Because if we don’t identify individuals who have the disease, we will eventually have to quarantine all of society at least in particular areas which will be devastating for the economy.

Summary
It is unclear how this disease will affect the notary industry. Personally, I think it will help us with loan signings, and I think the danger to Notaries doing signings is minuscule. Even if your a borrower from time to time has the disease, you are not likely to get it if you take precautions. Continue living your life and take necessary precautions unless you are elderly or have lung issues in which case — alter your life now!

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March 19, 2020

How will the Covid-19 virus affect the Notary profession?

Filed under: General Stories — admin @ 8:22 am

As of March 8 2020 I am very bothered and obsessed with the spread of this very contagious and dangerous disease. My concern has turned to paranoia not just of the disease, but fear of the panic that is growing nationwide. People are not traveling as much. Additionally, many people are considering working from home. Concerns about touching elevator buttons and surfaces in public places are rising.

The disease has interrupted global trade with China being worst hit. China seems to be recovering from this epidemic, but it seems that they cannot fully recover. Here’s why: If China gets rid of every case of this disease, they would have to quarantine the rest of the world from coming to China to keep case-free. The problem with that, is that their international trade would have a huge damper on it as a result.

To combat this disease, China had to shut down massive portions of their country for weeks. If the disease continues to spread in the USA, and there is not much preventing it from doing so, America might have to shut down major cities as well. If that happens, then an economic slowdown will occur in the USA. If economic slowdowns in other countries happen, that will also affect the US economy.

Additionally, if China gets rid of the virus, but the virus comes back to China, they could have outbreaks all over again and have to do more quarantines which would devastate their economy.

The bottom line here is that it seems inevitable that there will be a US and global economic slowdown. This leads to decreased interest rates which are already in effect, and that leads to more homeowner refinances. More refinances for private individuals leads to more jobs for Notaries and more money for 123notary. After two slow years, I am happy that we can benefit from the misery of others. I would prefer to benefit from the happiness of others though, but that doesn’t seem to be an option. After all, Trump brought happiness, at least to the gun and pick up truck people who go to church every Sunday. The economy got better, and 123notary’s income went through the floor. We tend to benefit more during bad times and did better under Obamacare. Happiness just doesn’t cut it around here. I really don’t understand how the world works, but Notaries will probably prosper in 2020 as long as they dare leave the house.

As for me, I am stocking up on canned corn if I can find any. Stay happy!

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March 17, 2020

Most popular posts as of 2019

Filed under: Compilations — admin @ 11:53 am

How to get something notarized if you don’t have ID
http://blog.123notary.com/?p=697

Can a notary perform a wedding or marriage?
http://blog.123notary.com/?p=1891

Penalties for notary misdeeds & misconduct!
http://blog.123notary.com/?p=2067

Names for Notary businesses that can get you in trouble
http://blog.123notary.com/?p=19064

What does it mean to be Fidelity Approved?
http://blog.123notary.com/?p=20049

Do I notarize every page of a document?
http://blog.123notary.com/?p=2280

Can a notary notarize a birth certificate?
http://blog.123notary.com/?p=2300

Bank of America Power of Attorney Form
http://blog.123notary.com/?p=21327

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

Notary Verbiage & Notary Wording
http://blog.123notary.com/?p=18854

Can a notary sign on a different day?
http://blog.123notary.com/?p=2457

Can a notary get in trouble?
http://blog.123notary.com/?p=1745

Notarizing multi-page documents
http://blog.123notary.com/?p=1706

Can a notary notarize a Will or Living Will?
http://blog.123notary.com/?p=7088

Can a notary sign an out of state Quit Claim Deed?
http://blog.123notary.com/?p=2182

Can a notary be a witness?
http://blog.123notary.com/?p=1273

Notarization Dates, Document Dates & Signature Dates!
http://blog.123notary.com/?p=2421

Websites from some of our best Notaries!
http://blog.123notary.com/?p=14677

Can a Virginia Notary notarize in DC or Maryland?
http://blog.123notary.com/?p=18782

Notary Public 101 from 123notary!
http://blog.123notary.com/?p=19493

Can a notary witness a will or notarize one?
http://blog.123notary.com/?p=1525

Affidavit of Citizenship
http://blog.123notary.com/?p=18847

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Coronavirus – how it affected me and my recommendations

Filed under: General Stories — Tags: , , — admin @ 6:10 am

Since I work from home and have savings, I don’t think I will personally be too badly affected by the Coronavirus.

But, today, I was subjected to a rude awakening. Public schools, universities, bars, clubs, restaurants, etc., have all been closed other than for restaurant take out. The restaurants were functioning at 10% of capacity when they were allowed to have dine in guests. However, in other parts of California the restaurants are still open based on a conversation I had using my fluent Mandarin Chinese (thank you, thank you, you may applaud… okay, that’s enough applauding.).

At Whole Foods, they were out of almost everything I normally get. I had to get chocolate flavored hazelnut milk rather than my usual vanilla almond milk. Unfortunately I use the milk with cereal and juice and was not sure how the chocolate would mix. It mixed well with Cherry juice which is one of the things the supermarket actually had in good quantity.

I invented the term Frankenstonian that is kind of like Draconian, but involves more “experiments” done with a German accent and the announcement, “It’s alive— ya!”

I got to see what other supermarkets are like in my quest to find toilet paper and wound up finding a far superior brand of pumpkin pie.

But, I was so sad walking around thinking of all the laid off bar tenders, waiters, and airlines staff that I actually almost started to cry. I was so depressed.

So, it hasn’t been all bad. But, here is my view on the policies.

COVID-19 is like a tsunami.
The “experts” say they are trying to reduce the height of the tsunami of infections by introducing draconian measures to create social distancing. I agree with social distancing if it can be done in a way that doesn’t cripple the economy which will have a domino effect and could land us in a depression or broke as a nation. The reason we are in this problem is that most countries including the USA do not have enough ICU rooms or ventilators. Why are we realizing this now? In my opinion, wars, earthquakes and disease outbreaks happen on a regular basis and therefor we should have locations for makeshift hospitals and RESERVE WORKERS for hospitals just like the military has. America is always ready for war, but never ready to take care of its citizens.

So, the strategy is to do permanent damage to children by hampering their education. Kids are dumb enough as it is with school, imagine how dumb they will be missing an entire year. We are taking two weeks off as a precautionary move. But, two weeks later nothing will improve, but lots of damage to the economy and lots of frustrated people, and lots of dumb kids. The tsunami is still coming, delayed perhaps by a few days, and its height will be far above our capacity to deal with it even if we delay it.

The damage from the tsunami is bad enough on its own, but now we will triple the damage by ruining our robust economy because we can’t control a tiny little virus with all of our technology and medical knowledge. Unbelievable. Am I supposed to put my faith in science after all of this nonsense?

My Recommendations for “dealing” with Covid-19
1. Have manufacturing plants for respirators, masks and Purell working 48 hours per day (if that’s possible)
2. Use prefab buildings and create a makeshift hospital near an airport or on a military base.
3. Create an army of reserve medical staff who are somewhat skilled in handling emergencies.
4. Let it rip – then we will have the mechanism to treat the ill and all of these quarantines will no longer be necessary.

I think at some point we need to let nature take its course. The angels want to do a cleanup of some of the negative spiritual forces in the planet, and outbreaks are one of the ways they do it. Personally I think they should use bolts of lightning. But, in a candid interview with an angel recently mentioning the lightning, the angel replied, “Nah, that’s old school, we prefer infectious diseases — that’s what’s in now. Thousands of people get infected, but we decide who will die. With lightning, it’s too hard to aim, plus you can only use it when people are outside in thudnderstorm.”

In the mean time, back to my chocolate hazelnut milk. That stuff is so good, that I am not minding this emergency of epidemic proportions as much.

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March 11, 2020

Nice comments about 123notary on our blog

Filed under: General Stories — admin @ 8:17 am

Comments that were nice about 123notary

Mayra
I personally really like 123 notary. The contacts I get from here tend to offer more reasonable pay than on Snapdocs. Plus it’s just nice to get contacted via phone call instead of an automated message sent out to dozens of people.

Bethany
The wealth of knowledge I have received from 123 Notary’s blog is worth it’s weight in gold! The standards make 123 Notary a cut above the rest. Venting notaries is something every company should do.

Brenda
I would love to know what you think about this name:
Around the clock mobile Notary

Jeremy’s comment
The name has a nice ring (even though it is not an alarm clock). It would be ironic if your answering machine said, “Around the clock mobile notary, sorry we’re closed.” It is a good name. You get my approval.

Charlton
Jeremy, I’d like to get in on the free training mentioned in this blog. I looked for a means to do that the other day but wasn’t successful. Can someone send me a quick note on hos to get that going?

I find 123Notary is indeed well regarded. It was one of the top two groups recommended to me by a mortgage broker operating with multiple lenders US wide while he was in California, Nevada, Oregon and Ohio.

Jeffrey

As always your blog provided me with tons of good nuggets! Thank you for sharing and caring about the business!

Deborah Planet

I think of Jeremy as a businessman that cares!
I appreciate 123 notary

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March 9, 2020

Positive feedback about 123notary

Filed under: General Stories — admin @ 7:46 am

Jill Bernhouse
123Notary is my go To! I have gotten steps above work a thousand fold from your site vs snapdocs. I heartily agree. Certainly less faxbacks too. I love 123Notary! Thank you Jeremy. At the outset of the New Year, I give thanks for you and plan to get a higher position this year.

Dan
Listen, Title companies from Miami to San Francisco and Seattle Wash to New York call me from. 123Notary .com . Very often you can’t get paid from SnapDocs. Good luck! With them. I won’t sign up with that company as too many notaries got cheated out of their just fees. They don’t care or give a damn!

Mike Jagur
You must have a lot of pride in writing quality content. I’m impressed with the amount of solid information you have written in your article. I hope to read more.

Adam Richardson
I love reading your blogs. Always helpful.

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March 7, 2020

Compilation of best blog articles from 2011

Filed under: Compilations — admin @ 10:03 am

PRICING

Pricing for notary work: Different strokes for different folks
http://blog.123notary.com/?p=697

Pricing formulas and time spent
http://blog.123notary.com/?p=588

Payment terms set by buyer or seller?
http://blog.123notary.com/?p=1812

TECHNICAL

Notarize just the name.
http://blog.123notary.com/?p=15817

Decline profitable junkwork
http://blog.123notary.com/?p=15495

A tale of four notaries at hospitals
http://blog.123notary.com/?p=463

Things that get notaries complaints
http://blog.123notary.com/?p=639

What to say and what not to say
http://blog.123notary.com/?p=628

Do you like your job?
http://blog.123notary.com/?p=617

Dragging the person’s arm
http://blog.123notary.com/?p=610

Seal Forgery – it happened to me
http://blog.123notary.com/?p=724

Leave a few spaces open in your journal?
http://blog.123notary.com/?p=714

Fixing botched signings
http://blog.123notary.com/?p=1246

Notary certificates, notary wording & notary verbiage
http://blog.123notary.com/?p=1834

Can a notary get in trouble?
http://blog.123notary.com/?p=1745

The signing agent loan signing process & pitfalls
http://blog.123notary.com/?p=2780

How do I fill in a journal entry?
http://blog.123notary.com/?p=1725

Notarizing multi-page documents
http://blog.123notary.com/?p=1706

Thumbprinting step by step
http://blog.123notary.com/?p=1689

STORIES

Notarizing a kidnapper
http://blog.123notary.com/?p=676

The story of 123notary
http://blog.123notary.com/?p=710

A few testimonials about 123notary
http://blog.123notary.com/?p=700

Notarizing an arsonist who blew his fingers off
http://blog.123notary.com/?p=650

The signing from hell
http://blog.123notary.com/?p=765

Notary in Louisiana murdered in home invasion
http://blog.123notary.com/?p=925

Notary pushed off stairs by borrower
http://blog.123notary.com/?p=1097

COMEDY

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

You know you’re a notary when…
http://blog.123notary.com/?p=16038

Jeremy’s visit to hell
http://blog.123notary.com/?p=20412

A tough act to follow
http://blog.123notary.com/?p=6579

I have a dream – notary version
http://blog.123notary.com/?p=19207

Notarization on the Steve Harvey show
http://blog.123notary.com/?p=13704

Notary suicide hotline
http://blog.123notary.com/?p=6995

Notary reviews vs. Movie Reviews
http://blog.123notary.com/?p=8820

Notary Airport
http://blog.123notary.com/?p=17062

My date with Jeremy
http://blog.123notary.com/?p=4473

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

Vampire Notaries – 24 hour service
http://blog.123notary.com/?p=4094

Bartender Notary – a reverse mortgage on the rocks
http://blog.123notary.com/?p=4080

Best excuses why a signing company didn’t pay a notary
http://blog.123notary.com/?p=1922

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March 1, 2020

2015 compilation of best notary posts

Filed under: Compilations — admin @ 9:59 am

TECHNICAL

The Mortgage & The Note
http://blog.123notary.com/?p=13203

The signature name affidavit
http://blog.123notary.com/?p=13190

Unique phrases from the Ninja course
http://blog.123notary.com/?p=14690

Loan Signing FAQ’s that borrowers ask
http://blog.123notary.com/?p=15457

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

Do you use a notary embosser?
http://blog.123notary.com/?p=15126

Your signature needs work
http://blog.123notary.com/?p=15051

Filling out your journal before the appointment?
http://blog.123notary.com/?p=15354

When to ask for ID over the phone & fees at the door
http://blog.123notary.com/?p=15282

MARKETING

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

How much more does a 123notary certified signer make?
http://blog.123notary.com/?p=15392

What’s the difference between a listing getting 16 clicks / month and 100+?
http://blog.123notary.com/?p=13185

Pleasant companies who are pleasant to work for
http://blog.123notary.com/?p=13099

Websites from some of our best notaries!
http://blog.123notary.com/?p=14677

Trip + Notary Fee = Payment
http://blog.123notary.com/?p=13596

Augmenting your skill set to make more money as an NSA!
http://blog.123notary.com/?p=14150

Here is an easy way to make $4000 more per year
http://blog.123notary.com/?p=14162

$40 for a signing 72 miles away?
http://blog.123notary.com/?p=14959

Should travel fees be flat?
http://blog.123notary.com/?p=15402

STORIES

Signing Stream makes notaries sign a contract that they won’t write
anything on forums
http://blog.123notary.com/?p=13640

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

Deceptive fax backs, the good old bait and switch tactic
http://blog.123notary.com/?p=14040

I was forged
http://blog.123notary.com/?p=13659

A notary enters the Shark Tank
http://blog.123notary.com/?p=14088

Signing of the Absurd
http://blog.123notary.com/?p=14919

Don’t call title or borrower
http://blog.123notary.com/?p=15066

Have you ever been tempted not to go into a borrowers house?
http://blog.123notary.com/?p=15369

COMEDY

Best notary comedy compilation
http://blog.123notary.com/?p=15957

Compilation of notary sit-com episodes!
http://blog.123notary.com/?p=15949

Honey you can kiss my app!
http://blog.123notary.com/?p=14902

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

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