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October 2, 2012

Top 5 books every notary should own (and read)

In any career, being the best means that you have to participate in professional development and be aware of new developments in your field. This is even truer for notaries who can face fines, suspended licenses, lawsuits, and other consequences if they make a mistake. Whether you’re new to the notary industry or a seasoned professional, make sure that you stay on top of your game with the books listed below.

The U.S. Notary Law Primer

Published in June, this book by the National Notary Association provides up-to-date information that every notary, or aspiring notary, needs to know. For those interested in becoming a notary, it lists the necessary qualifications and gives contact information for notary regulating officials. For those new to the profession, this book includes a variety of basic information including signer identification, notary journal maintenance, and misconduct penalties.

2012 – 2013 U.S. Notary Reference Manual

In the 11th edition of this manual, Charles N. Faerber has compiled the most current notary regulations from all 50 American states and six U.S. jurisdictions. Faerber, the National Notary Association’s Editor-at-Large and Vice President of Notary Affairs, makes sure to include detailed information for each state as well as the overarching laws that govern all notaries. This information is especially useful for national companies that use notarized documents and notaries who practice in multiple states.

How to Open & Operate a Financially Successful Notary Business

In this guide, Kristie Lorette and Mick Spillane not only review notary basics, but they also offer advice as to how to grow a notary business. This thorough book contains checklists, case studies, an appendix of state-specific information, and even comes with a companion CD-ROM of customizable professional forms. This how-to has invaluable information for notaries at any level in their careers.

101 Useful Notary Tips

Written and published by the National Notary Association, this handbook delivers the answers to frequently asked notary questions. Topics range from the basic (e.g., stamp expiration dates) to uncommon situations like notarizing a spouse’s document. Filled with practical advice, this book is a helpful reference for both new and experienced notaries.

Twelve Steps to a Flawless Notarization

As the title implies, the National Notary Association offers readers the twelve steps they should take each time they notarize a document. This book also includes helpful tips that notaries public should follow in order to guarantee that the notarization process is accurate as possible. The information provided will guide beginning notaries through their first notarizations and assure that practiced notaries don’t miss any steps.

These books are just a starting point in ensuring your success as a notary public. Since rules regulating notaries vary from state to state, always make sure that you are familiar with the exact laws within your jurisdiction and pay attention to any changes that may affect your notarizations. New developments in state-issued identification or the mortgage lending process affect how you do your job. Stay current by reviewing updated versions of your state notary handbook, talking with colleagues, and visiting industry websites such as this one.

Stephanie Marbukh is a freelance blogger who writes about a variety of topics including legal matters, education issues, and the importance of maintaining your home gutters. http://www.gutterhelmet.com/

Tweets:
(1) Being the best #notary means keeping up on industry trends & reading these top notary books!
(2) The top 5 books every notary should read include: 101 useful notary tips, 12 steps, law primers, etc…

You might also like

The 30 point course – a free loan signing course for beginners
http://blog.123notary.com/?p=14233

Best Blog Articles for Advanced Notaries
http://blog.123notary.com/?p=14736

Notary Information for Beginners — Best Posts
Here are about 20 really useful posts for beginners. Seasoned Notaries might find these posts useful or interesting as well.
http://blog.123notary.com/?p=10472

Notary Public 101 – a free notary course
http://blog.123notary.com/?p=19493

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October 1, 2012

3 Notaries walk into a bar

3 notaries walk in to a bar. The first thing that happens is that the bartender asks for ID.

Notary #1 says, “Wait a second… I’m a notary… I ID YOU… YOU don’t ID me.”

Then the bar tender says, “Listen buddy, if you want a drink, I need to know you are of age”.

Notary #1 said, “No problem, I can produce ID, but I can also swear under oath, and the other notary sitting next to me can take the oath for me.”

Notary #2 — Raise your right hand

Do you solemnly swear that you are above 21 years of age and of sound mind and body?

Notary #1 — Sound body I’m not so sure about, but my mind is pretty sharp, and I’m 63… at least last time I checked I was.

Notary #2 He’s 63… do you really need to ID him?
Bartender — thats what I said last time I saw a notary and he asked for identification. I said, I’m 63, I don’t need to be carded, now STAMP THIS FORM!! damn it!

Notary # 3 retorted — well, notary #1 didn’t need to be carded because he looks old. But, you Mr. bartender don’t look a day over 18 which is probably why the notary needed to card you!

Bartender — that has nothing to do with it… he carded me because I ordered an affidavit with a MIXED notarial wording: 2 parts acknowledgment with an oath and a touch of mint (no olives).

Tweets:
(1) 3 notaries walk into a bar & the bar tender asks for ID. But, the notary wants to ID the bartender!
(2) Do you solemnly swear that you are above 21 years of age and of sound mind and body?
(3) You don’t need to ID him because he looks old, but you look about 18 Mr. Bartender, so we should ID you!

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

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

My office or yours – the notary bar scene!
http://blog.123notary.com/?p=22317

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September 20, 2012

What can an e-notary do?

What can an e-notary do? 

An e-notary does more or less what a regular notary does. The difference is that the e-notary has an electonic journal and electronic notary seal and notarizes electronic documents.  Some might even have an electronic girlfriend too!  So, the biggest matter of confusion is that people don’t understand that the signer has to appear before the e-notary. It is unclear if personal appearance will always be necessary in the future though.  At one point, we read that Arizona e-notaries could notarize without personal appearance of the signer, but now they require it and the evidence of the old rule is gone!
 
The basic procedure for mobile e-notaries
So, basically, a mobile e-notary will go to a signer’s house, the signer will login to a website, sign some electronic documents, the notary will login and apply his/her e-seal, and have the signer sign the e-journal, and that is that.  You will have to visit face to face with the signer just like now.
 
Will our lives change?
It looks like we might have to lug around digital signature pads in about 20 years when this technology gets popular.  When you go to the supermarket, you are doing digital signatures right now, so you are already used to it!  It looks like our lives will not be altered in any significant ways.

You might also like:

The pros and cons of eNotarizations
http://blog.123notary.com/?p=3672

12 points on e-notarizations
http://blog.123notary.com/?p=228

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September 18, 2012

Notary Stories From the Edge

Rarely, but sometimes, a notary signing agent will meet people who try to give him or her an unacceptable ID…or people who claim they really do not need an ID at all– because they do not want to sign! An ID must be government-issued; unacceptable forms of ID are fishing licenses, YMCA cards, or medical marijuana cards. Gun permits are government issued, and in some states are the most popular form of ID. You may have read elsewhere here about the mistress who actually had a fake ID made up so she could pass as the man’s wife and they could take all the money out of the home (!). Being sure people are who they say they are can be a real challenge, it seems.

The most unusual situation I’ve heard about is the time that, when asked for his ID, a borrower bragged–foolishly–to an Ohio notary signing agent that his identical twin had once gotten a driver’s license for him! He went to the Bureau of Motor Vehicles, posed as his brother, and obtained the license. Our Ohio notary signing agent reports, “This twin I was doing a signing for thought this ‘joke’ was quite funny, and then proceeded to tell me another notary had laughed about it, too…and had presumably accepted his ID without question…but,” says our cautious Ohio notary, “I then made this borrower take an oath that the identification he presented to me was in fact his driver’s license obtained by him–ditto his passport! Otherwise, it would not only be an unacceptable ID; it would be mortgage fraud! I also notified the mortgage company, and they agreed I had done the correct thing by asking the man to take an oath. Of course, this all made a dandy entry in the ‘unusual circumstances’ section of notes in my notary journal, where I recorded the details and the fact I had him sign an oath. I also sent an original page entitled ‘closing notes’ and included it in the package with the documents. I get a lot of work referred to me from this company now because they were impressed by my way of thinking and handling this guy.”

“Sometimes,” says another an Ohio notary signing agent, “I have come across a non-borrowing spouse who does not want to sign. These are often angry people who do not want the spouse to get the loan. In the presence of an Ohio notary, the non-borrowing spouse is usually required to sign the deed of trust; the truth in lending agreement;the itemization of the total amount financed; a document correction statement; an agreement about fees due; and the right to cancel. There may also be affidavits…so it’s always best to check with the title company. In any case, there have been many arguments between spouses where one does not see why he/ she has to sign, or one spouse does not want the non-borrowing spouse to sign and seems ready to dissolve the marriage!

One wife ended up walking out on her husband because he found out how much money she had spent–and why she was refinancing. The moment of truth! One husband punched a hole in the wall when he found out how much his wife had spent. Scary! It is always necessary to write it down in notes in your notary journal–and call the loan officer or a legal adviser–when there are any issues that prevent the signing from happening.”

Another Ohio notary told us, “One time when I asked for copies of a signer’s ID, she got nasty. She was the non-borrowing spouse, and she hated her husband; I can’t print here the awful things she was saying about him. It made me feel really uncomfortable. She also made sure there was no room to sign at the table, and then she put a huge glass of Coke on the table–right next to the documents. I was expecting her to knock it over any minute. When I asked her to be careful, she went to the refrigerator and added even MORE Coke to the glass until it was filled to the very brim. She took a sip– then refused to sign at all and started cursing. Then, I called the loan officer. After he got her all calmed down, we signed everything– but I had to go back the next day because an attachment was missing! The minute I drove into the driveway, she started cursing at me that I was wasting her time: “Are you STUPID?” was her greeting. As an Ohio notary, what did I learn from all this? Always check out the people really well before you take a job. If they seem at all irritable or peculiar, figure out if you really need this particular job.”

You might also like:

I’d rather stop being a Notary than carry a gun
http://blog.123notary.com/?p=15896

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

How weak are you with sob stories at the signing table?
http://blog.123notary.com/?p=22181

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September 12, 2012

Tips for notaries

People are making too many mistakes
One experienced Washington, DC notary asserts that, throughout the country, “Some of the people just coming into the profession are not literate and make too many mistakes… I get a few calls a week from titlecompanies where the closing was not done correctly, and they ask me to re-do the work… If we want to be professionals, we have to keep ahead, follow the law, and continue to act in the best interests of all.”

Don’t backdate
“Besides being careful and meticulous,” he adds, “do not backdate documents or signatures, ever! No matter how many times you are asked to backdate documents– supposedly to benefit the borrowers– DO NOT do it. It is illegal. Knowingly putting a different date on a document is fraud and you could go to jail. I have heard of many young notaries who are willing to experiment with backdating. They say ‘What’s the big deal? I was asked to do this.’ As a Washington DC notary, I know I am a state official, and I take this seriously. There is even another notary site where someone claims ‘everyone does this’. NOT everyone does it, and in DC, I personally know several notaries who are now out of work because they got caught. And when your documents are rejected, you will also have legal hassles. Not worth it–if you want to last in this profession. And just as notaries talk–companies talk. Do not risk getting a reputation as an ‘easy’ and inexperienced notary.”

Understand the documents, but don’t advise.
Our Washington, DC notary continues, “READ through all the documents carefully, so you know what the borrowers are and are not being asked to do. The most called-upon notaries and notary signing agents are the ones who know exactly what a document is saying and can confirm that if a borrower asks. If you are a new notary signing agent, read through some sample papers to be able to understand the language and the fees the borrower is agreeing to. Of course, some notaries feel that giving a brief summary of a section could be construed as giving ‘legal advice,’ which is prohibited…so you need to reiterate that you are not giving ‘advice.’ Many borrowers have many questions, and really do not understand a document well enough to sign it; in that case, you must call the loan officer and have him or her speak to the borrower. You can summarize… but you can’t give advice. The better you do your job, the more you will be in demand. This means explaining clearly and in a reassuring way what something says–without giving ‘legal advice.’ ”

Title Producer License
For this reason–the fact that some notaries have given “legal advice”–some states, notably Indiana and Maryland, as well as DC–require a notary signing agent to have a title insurance producer’s license in order to handle loan signings. A North Carolina notary told us that, despite the recent ruling that notary signing agents may continue to do closings, “There is a ‘movement’ in the state to make NC an ‘attorney only’ state.” In Connecticut, attorneys generally handle real estate signings anyway. But Delaware, Georgia, Massachusetts (except if the notary works for the lender), South Carolina, West Virginia, and Vermont require an attorney to be involved in the signing…and Texas requires that any HELOC loan be done in the office of a lender, attorney, or title company (but could be done by a notary!). Says our North Carolina notary, “South Dakota is not clear on this issue, and seems to say that an attorney usually handles a loan signing…but attorneys often send their notaries to do it! Honest! The point? This preference for having an attorney supervise a signing is becoming a trend, and you should check with your state and get any necessary certifications that will assist you.”

Taking the trouble to get a new certification
A few notaries have reported that they do not want to go to the trouble of getting a new license or certification of any sort…but it is one more tool to help you get the work you need. A title producer’s license (also called a title insurance producer’s license) just means that you will have taken 50-60 hours of special coursework and will have passed an exam and paid an extra fee. “This license may be one more certification you want to obtain if you want to stay ahead of the game,” our North Carolina notary asserts. “The more certifications you have, the more you will be ready to serve the public as a notary or notary signing agent.”

Have a business plan?
Finally, one of the best tips we’ve heard recently is to have a business plan. It is always surprising the number of people in the notary business who do not have a plan. A plan means knowing what the market is in your area, who your competitors are, how and where you will expand, how much to invest, and also what certifications and credentials you will have. This includes knowing your strengths–what people like about you– and good reviews from those you have done work for. Getting good reviews from people who value your work can give you–as well as others–a fresh idea of what your skills really are, how you look to others. And when others read the reviews of your work as a notary, they will choose you because they will feel your experience and way of doing things are most relevant to their needs.

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Notarization Dates, Document Dates & Signature Dates
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Backdating from A to Z
http://blog.123notary.com/?p=2424

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June 30, 2012

Can a notary public act as a witness?

Filed under: Witnessing — Tags: , , , — admin @ 12:13 pm

Can a notary public act as a witness? 

We already have a very thorough blog entry entitled:
 
Can a notary be a witness?
 
That contains all pertinent details regarding notary witness requirements and procedures.  To sum it up, a notary can act as a witness in any state in their capacity as an individual.   However, in Delaware, and Washington State, and perhaps a few other states, a notary can do witnessing as an official notary act, and charge an official fee set by the state for their services.
 
Is it better to hire a notary to be a witness?
Since notaries work exclusively with signers, signatures, documents, foms, certificates, etc., many people feel that notaries are better equipt to handle the (not so vigorous) responsibilities associated with being a witness.  Additionally, notaries have been screened by their state and are more likely to be honest upstanding citizens — or at least that is what many of us like to think.  The reality is that some notaries have no idea what they are doing, while others are very particular about witnessing, and documenting information in conjunction with witnessing. 
 
Why would it matter who you picked as a witness?
If someone witnesses a document signing or a Will signing, it doesn’t matter much who they are provided they are at least 18 years of age.  On the other hand, if the witness ever needs to be contacted after the fact, it is good if the witness has lived in the same place for a long time so you know where to reach them.  If your witness works for the circus or lives in a caravan and moves around a lot, you might never see them again. Having a witness who is a notary might help if they provide some extra documentation for you. Additionally, a mobile notary supposedly knows how to show up at the appointed place at the appointed time and might be more reliable with logistics.

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Types of witnesses in the Notary profession
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Credible Witnesses from A to Z
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June 5, 2012

How to find a bilingual notary public

How to find a bilingual notary public

How to find a bilingual notary public Many states prohibit a notary public from providing notary services to someone who they can not communicate DIRECTLY with. This means no translators allowed. Therefor, if you have a signer who does not speak English, you will need a bilingual notary public to notarize their signature.

Notaries who advertise as bilingual.
Many notaries advertise themselves as bilingual. Some don’t even specify which two languages that they speak that makes them bilingual. Most people would guess that the pair of languages would be Spanish and English. You will find native speakers of Spanish, children of Latin American immigrants, and home-grown Anglos who will claim to be bilingual — but not all claims were created equal.

Some people are proficient in both languages enough to be a certified translator. Some can speak, but can’t write. Many can communicate on a simple level in their second language as well. The notaries you have to watch out for are the ones who know only a few words of Spanish and promote themselves as bilingual notaries to get a few extra jobs, when they clearly are causing more trouble than anything else. Test your bilingual notary out on the phone If a notary claims to be bilingual, half of them have a translator in the back room who is not always there and not always available. That is a semi-fraudulent claim of bilingualness if you ask me! Others can not function in the language if your question goes beyond, “How are you, and what is your name?”. Talk to your bilingual notary on the phone and see how capable they really are.

Test them before you book them in your calendar. How do I find a bilingual notary public? 123notary.com has a wide selection of bilingual notaries speaking every language from Amharic, Arabic, Armenian, Chinese, Farsi, French, German, Hebrew, Hindi, Italian, Japanese, Korean, Portuguese, Russian, (American) Sign Language, Spanish, Tagalog, Vietnamese, and Zulu (not necessarily in that order). Just do a search, and on the upper right hand side of the page you can filter your search by typing in the name of the language. There are actually speakers of many more languages than mentioned above, but those are the common ones. We even had one or two notaries who spoke Chaldean, Tigrean, and Twi among other languages. Don’t use the term Notario Publico The Spanish term Notario Publico is very different from the American position of Notary Public. Notaries are forbidden from using the Spanish term in their advertising in most states. American notaries are forbidden from giving legal advice and are of a much more common position than a Latin American Notario which is a position almost as high as an attorney.

You might also like:

Notarizing your foreign language document
http://blog.123notary.com/?p=2768

Notary Procedure for Affidavit of Support Documents
http://blog.123notary.com/?p=1421

Bilingual Notaries, how often are they needed?
http://blog.123notary.com/?p=238

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

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June 3, 2012

A New California Notary Law

A New California Notary Law

A new law regarding California notaries went into effect on January 1, 2012. One of three main changes to California notary law in 2012 is that a subscribing witness may not sign a Power of Attorney in California in a case where a signer is too frail or unwell to appear before a notary. In other words, it is now clearly mandated that a person giving someone else Power of Attorney in California must be well enough to appear personally before a California notary. There are situations in which an actual signer can’t appear before the notary and a subscribing witness may be used, but this is not as strong as having a California notary take an acknowledgement, and ought not to be allowed in most situations. In matters involving finance and property, California previously made clear that important documents such as mortgages and securities may not be signed by a subscribing witness; instead, the acknowledgment must be taken by the notary with the proper signer present. In 2012, California has now wisely added POA to the list of documents that may not be signed by a subscribing witness.

The second of the changes to California notary law in 2012 sets forth the rule that only California notaries who work for the financial institution concerned may demand payment or accept payment on “foreign bills of exchange” for the institution –and only these California notaries may protest for nonpayment. The third change in the law makes clear that these notaries who work for financial institutions will of course no longer be paid a fee for such services—as an independent notary would have been. The world of banking has its own notaries for all occasions, California notary law reminds us.

Tweets:
(1) A new 2012 California notary law – subscribing witnesses may no longer sign Power of Attorney in certain cases.
(2) Important documents such as Mortgages & Securities may not be signed by subscribing witnesses.

You might also like:

California notary issues
http://blog.123notary.com/?p=3528

California Acknowledgment and Jurat Information
http://blog.123notary.com/?p=1786

Power of Attorney Signings
http://blog.123notary.com/?p=1627

Find a notary in Fremont, CA
http://www.123notary.com/notary-result.asp?state=CA&super=&county=162&sub=3&n=Fremont%20City&cc=1&

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May 23, 2012

Where do credible witnesses sign the notary journal book

Filed under: Credible Witnesses,Journals — Tags: , , , — admin @ 12:26 pm

Where do credible witnesses sign the notary journal (register)(book)? 

Some states require notaries to carry an official journal of notarial acts while others recommend it, but don’t require it. Some states call the journal of notarial acts a journal, while others call it a registry or a book.  The main thing to remember, is that a good notary journal must be bound and sequential. Each entry must be in chronological order.  Different journal manufacturers make journals differently.  I recommend getting one with a thumbprint section and space to write notes. Most states don’t require notaries to take thumbprints, but for your security as a notary, you need thumbprints to keep you out of court if anyone questions whether the signer was a fraud or imposter.  Thumbprints are a better proof of identity than any other means.
 
The credible witness signs the notary journal in the additional notes section!
They do NOT sign in the signature area!!!  Signature areas are for the document signer, and only one document signer can sign in a particular journal entry’s signature area. If there are two signers, then make two journal entries!  The credible witness must sign in the notes section because there is blank space there.  You should document the credible witness’s identification, phone, and address to be thorough.
 
The notary needs to administer an Oath to the credible witness where the credible witness must swear to the identity of the signer. Make sure the credible witness really knows the signer well, otherwise they are not really qualified to identify someone that they know only as “Ralph”, and don’t even know his middle or last name!

You might also like:

Notary Public Journal
http://blog.123notary.com/?p=21409

Everything you need to know about notary journals
http://blog.123notary.com/?p=70

Index of posts about journals
http://blog.123notary.com/?p=20272

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April 4, 2012

How much should a notary charge for swearing in a…

How much should a notary charge for swearing in a … 

Please keep in mind that notary rules, and notary prices vary from state to state.  Also, notaries engage in various types of notary acts involving Acknowledgments, Jurats (which include Oaths), Oaths, Affirmations, Protests, and more depending on what state is in question.
 
How much should a notary charge for swearing in a witness?
Notaries can swear in witnesses, and so can a judge, as well as other types of state appointed officers such as a justice of the peace, etc.  When you are swearing someone in, you are administering an Oath to them.  You might have the affiant raise their right hand and ask them, “Do you swear or affirm to tell the truth, the whole truth and nothing but the truth?”.  They might say, “Yes”, or “I do”.  
 
An Arizona Notary can charge $2 for administering an Oath
A California Notary can charge $10 for administering an Oath.
A Florida Notary Public can charge $10 for administering an Oath
An Illinois Notary may charge $1 for administering an Oath
A Maryland Notary may charge $2 for administering an Oath
A Michigan Notary can charge $10.00 for administering an Oath
A Notary in New York can only charge $2 for administering an Oath
A Notary in New Jersey can charge $2.50 for administering an Oath
An Ohio Notary can charge $1 for administering an Oath
A Pennsylvania Notary can charge $5 for administering an Oath
A Texas Notary can charge $6 for administering an Oath
A Virginia Notary can charge $5 for administering an Oath
A Washington State Notary can charge $10.00 for administering an Oath
A Washington DC Notary can charge $2 for administering an Oath
 
Note:  The price for Oaths and Affirmations in the mentioned states are identical.  We are only showing rates for highly populated states, and the rest of the state notary prices and notary rules and be queried by visiting our find a notary page.
 
Swearing in a Credible Witness?
If you need to use a Credible Witness as part of a signing, please consult your state notary manual to see if you can charge extra for each Oath you administer to them.
 
How much should  a notary charge for swearing in an affiant who is signing an affidavit?
Any time a person signs an Affidavit, or other document which requires a sworn Oath, the Notary (if they are using a notary) needs to have them raise their right hand and swear under oath.  The notary generally has to choose the verbiage for the oath which requires a small amount of skill and extemporaneous “improv” talent.   The notary should charge whatever their state allows as a fee for an Oath.
 
How much should a notary charge for swearing in someone who is not signing anything?
Sometimes the Oath accompanies a document that is going to be notarized, and other times it is an Oath of Office, an Oath for getting a commission, an Oath swearing them into court, or for a variety of other purposes.  The notary price for this type of Oath should be whatever the local state you are in allows a notary to charge for an Oath.
 
How do you document an Oath without a signature as a notary public?
Not all states require a notary to have a journal, but without a journal, you can not document any of your transactions, many of which might be very sensitive such as notarizations of Deeds, Powers of Attorney and other important documents that  could have high stakes involved.  If someone is taking a purely oral Oath with no paperwork involved, you should document this in your journal, and have the affiant sign your journal. You should document in the notes section of the journal that you administered an Oath, and write a few words describing what the oath was about.  The exact wording of the oath is not critical for the journal entry.  The notary price or notary fee for this type of act should be whatever the state in question allows a notary to charge for an Oath.

 Travel fees and waiting time?
Many years ago, I went to a lady’s house in Los Angeles.  She was having a court case by phone, and I was there to swear her in before the judge on the other end of the line.  I had to wait for 45 minutes, and had to drive twenty minutes as well. So, I charged a travel and a waiting fee.  I was a very reliable notary and got to this very critical appointment early, so I feel entitled to my fee!  Not all states allow travel fees or waiting time fees, so you need to know the notary prices and acceptable charges in your state of commission.

Tweets:
(1) How much can a notary charge for swearing in a Witness. A state by state fee chart!
(2) Notary Fees for swearing in witnesses range from $1 to $10 in the states we compared.
(3) How do you document an Oath that has no accompanying documentation? #Notary #Journal

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http://blog.123notary.com/?p=19620

FAQ: How much do notaries charge?
http://blog.123notary.com/?p=5317

Identification requirements for being notarized
http://blog.123notary.com/?p=4299

Pricing formulas for mobile notary work that include time spent
http://blog.123notary.com/?p=588

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