Biometrics Urged for E-Verify

A growing number of organizations are calling for the federal government to add biometric elements to its E-verify program-- an Internet-based system used to verify new employees' authorization to work in the United States.

The security Industry Association (SIA) recently became the latest group to urge Congress to reform the current program, which uses Social Security numbers to verify a new hire's employment status. The E-Verify system has registered error rates as high as 13% and cannot detect identity fraud, according to the SIA.

A Senate Proposal, which SIA endorsed, calls for the Social Security Administration to issue new Social Security cards that include a photograph and a microchip bearing biometric data. The new cards would be fraud and tamper resistant and would make it harder for undocumented immigrants to use a stolen or fake identity to obtain employment.

What are your thoughts on this?

Important information the public needs to know about "standard" questions asked by a TX Notary!

So onto some basic questions good notaries will ask at first point of contact:

Name?

Address where documents are to be signed?

Type and names of documents?

How many signatures total?

Number of pages?

And more questions depending upon the client if they need me to bring Jurats etc

Questions the public needs to ask a notary before hiring them:

Are they current with the Secretary of State?

Are they GBLA compliant? See website for more details on this DashNotary.com

Are they Bonded? How much?  -- yes Dash Notary is

Do they have E & O insurance? – yes, $50,000

How many signings have they completed?

At signing make sure you record in the Official Journal of Notarial Acts—if notary does not ask you to do this = Illegal in State of Texas not to record any notary acts. Stop the proceedings. ** Again this information pertains to notary that is not attorney etc

Base fee information for Dash Notary:

> $10 PER Signature (if two signers it would be 10$ each signer per sig) this is discussed in the first phone call and agreed upon by both parties. In most cases payment is dealt with upfront after verification of the folks. Dash Notary takes credit cards on-site and can send receipt to phone or email at time of signing.  This fee is always negotiable (*lower* not higher since that is max fee per state of Texas I can charge for the signature is $10) Example would be other day I did a NJ signing at a clients house for closing a home. The base rate would have been $265. I charged $125 total-- there was complications to it which I was able to fix at 9pm at night /smiles.

> Medical, durable, financial, general PoA / wills up to 10 pages starting at $25.

>  After hours or not?--which for Dash Notary is 8pm CST = $25. being we are a 24 hour notary.

> Travel fees are based on mileage from place to place – base range of 10 miles is included, after that travel fees apply.

> Video recording fees -discussed at time of conversation- NO editing to be done to the raw footage -- my question would it be you or your clients paying for the video?

> Video on cd or not etc $10.00 with (email link option~still working on this for legal reasons might not be able to email video link)

> Is there to be print outs etc

Remember this is only for Dash Notary in the State of Texas general outline of good business practice.

Http://www.DashNotary.com  View my calendar & Chat with me online via the site.

972.804.3442 Tonie 1.866.861.3884 Fax  **  DashNotary@gmail.com ~for business docs only*

talking with hubby this morning and

he snitched a photo! For those of you that don't know, I hate photos being taken of me. /laughing

Try and not beat up your notary when they are not allowed to tell you ...

so just an FYI to the normal and business folks out there in this big world.  Most notaries are not allowed to discuss the items in your documents with you.  In other words we can be general in our explanations but cannot say that this interest rate sucks or you should really go get attorneys if you need a will drawn up etc.

It is the clients responsibility to know what they are signing and to be not under duress while doing so.

There is no reason to be rude to said notary examples: client saying "I was just called by XYZ company at 5pm and never got the copy of the HUD or documents" that would be on your lender's shoulders or closing company's.  Not a reason to curse out the poor notary that is going to your home at 8pm or 1am in the morning to close your deal before interest rate expires etc.


We are not attorneys or allowed to act as such.  If you have questions about said documents I know plenty of attorneys to refer you to.

I only hope this helps someone out there to understand we are truly there to do the following:


Witness
1. A Notary is appointed by the state in which he resides and acts as an impartial witness to the signing of a document. The Notary must only be a witness and cannot provide any kind of advice to either party.

Fraud Prevention
2. Before signing occurs, a Notary must first verify the identity of each signer and make sure both parties are aware of the ramifications of the agreement and are not being forced into signing the document. This process is a good line of defense against an increasing problem with identity theft and homeland security issues.

Authenticity
3. After both parties sign the document, the Notary must place her Notary Public seal on the document and sign the document as well. A document with a Notary's seal on it guarantees the document's authenticity to hold up in court as a legal document.

Business Asset
4. A Notary Public can be a vital asset to a business. An official Notary seal on important business paperwork can secure the company against impending lawsuits or financial risks.

true or false? When performing an acknowledgment, a Notary must ask all signers to formally raise their right hand and officially declare their identity before the Notary?

ANSWER: False. When performing an acknowledgment, the signer must personally appear before the Notary, provide proof of identity as defined under state law, and acknowledge that they willingly signed the document before the Notary — but isn’t required to perform a ceremony of raising hands or speaking prescribed phrases. It is when completing a jurat (a different type of notarial act that involves a spoken promise to tell the truth) that a Notary typically asks a signer to raise their hand and recite a formal oath or affirmation. Notaries may also administer oral oaths or affirmations that do not involve written documents as a separate notarial act.

Timing and Appointments

Question of the day for you guys to answer: When you have appointment, is it rude to arrive 10 minutes early?   Today had a signing where I was treated as if it was rude to be early.... hmm your input?

Identity Theft Often A Family Affair... Proven and experianced by TB

Having experienced this myself (our dad ran up 108k on various things on my credit) thought to give everyone a updated post regarding this. Just one of the reasons I love being a notary. Onto the story:

More than a quarter of the reports of identity fraud filed in the past six years involved people attempting to co-opt the identities of relatives, according to a recently released federal report.


The total number of identity fraud reports submitted to the U.S. Treasury Department's Financial Crimes Enforcement Network (FinCEN) dropped 9 % last year, but still represented more than a two-fold increase since banks and financial institutions were required to start reporting identity fraud.

In 27.5% of the cases, criminals used the identities of relatives to take out fraudulent loans or open new credit cards accounts.

Hope this helps everyone to pay attn to their own credit reports here is the link for the yearly one you get free from the gov http://www.ftc.gov/freereports

Warmly,

Tonie Boaman

www.DashNotary.com
Mobile Notary Open 24/7 ~ We Accept Credit Cards!