notary public: Pricing: How does a Notary stay in business? - 08/12/13 06:12 AM
There have been a few instances in the last few years when clients or potential clients have scoffed at a price quote for the Notary Services we provide.  Still, I have to be understanding, as Mr. and Mrs. Joe Six-pack in the here-and-now of 2013 continue to have little understanding about what a Notary is or does.  I'm actually quite proud of my pricing structure (and the fact that I rarely alter it) but admit I wish everyone understood what goes into it.
 
Here is how I break things down:  
First of all, my services (all of them) are mobile services.  I … (2 comments)

notary public: A word on Ethics...a Notary Signing Agent's Best Friend - 03/22/12 06:32 AM
   Now, after having seen our world through the prism of a downward spiraling economy, and with major businesses having failed or having been reorganized and/or downsized, the challenge to maintain standards and to practice ethical behavior is compounded.  While our leaders debate the pros and cons of plans to rebuild and fortify our economy, average Americans react to job losses, higher tax burdens and they begin to emerge from their bunkers where they had gone to hunker down to ride out the storm.
     During times of challenge, it seems that others more desperate than ourselves are well poised to prey upon us and pull us … (6 comments)

notary public: Telephone use...and patience? - 05/31/11 06:11 AM
Each independent business person, must choose their own method of operations with regard to telephone etiquette.  I dislike (and find it quite rude) interrupting a borrower, who may be signing a multi-million dollar transaction before me, to pause and answer a call from an unknown entity.  While they may be calling to inquire about appointment-setting or pricing and I certainly hope to gain their business, I wish to offer my client my full and undivided attention.  I monitor my phone by glancing at the phone when it rings but unless it is someone involved in the package I'm signing, they will … (1 comments)

notary public: Service providers Hate to say "NO" but sometimes we must. - 03/27/11 09:30 AM
Anyone remember six months ago? That was when all the news reporting agencies were abuzz with stories about the intrusive TSA screenings and the pros and cons of privacy and the boundaries of pat-downs and X-ray technology that over-exposed us.  It was the fodder for late-night comics and others.  Perhaps we silly Americans have been spoiled for too long and have had far too little appreciation for these and other conveniences and we have truly taken it all for granted. 
 
Why is it that we seem happiest when we let others do the thinking for us?  Take for instance … (1 comments)

notary public: Choose wisely. Consider not just the source, but perhaps their motivation too! - 01/11/11 08:09 PM
A few years ago, I remember being greatly annoyed with a National Organization for Notaries where I was a member.  This organization is supposed to be dedicated to the promotion of excellent notarial practice and the support of it's membership. As a member, I soon found that their true interest seemed to be the almighty dollar.  
I am all for capitalism.  But what disturbed me was the way in which this "support" organization was taking steps to drive dollars to their bottom line while at the same time causing harm to their paying members.  As with many organizations, once you … (3 comments)

notary public: Ethics maintained and reinforced is a recipe for success! - 06/29/10 07:34 AM
     Now, after having seen our world through the prism of a downward spiraling economy, and with major businesses having failed or having been reorganized and/or downsized, the challenge to maintain standards and to practice ethical behavior is compounded.  While our leaders debate the pros and cons of plans to rebuild and fortify our economy, average Americans react to job losses, higher tax burdens and they begin to emerge from their bunkers where they had gone to hunker down to ride out the storm.
     During times of challenge, it seems that others more desperate than ourselves are well poised to prey upon us and pull us … (0 comments)

notary public: Life of a Notary Signing Agent..."Sitting on a Spring" in a "hurry up and wait" world. - 05/26/10 06:01 AM
Yes.  That is what I'm doing.  I'm SITTING ON A SPRING [and ready to bounce in whatever direction I need to across Southern California].  Not less than four escrow/loan/inspection companies have each requested my services for today.  I have one 3PM appointment scheduled but these other folks are all in the running to fill up the early part of my day.  Since I book such requests on a first-come-first-served basis, they all have a fair shot at it.  Mortgage Brokers are all losing their minds waiting for lenders to send docs so that Escrow Officers can package docs and then I can schedule and … (0 comments)

notary public: Billing clients after a busy month=better than day-time T.V. - 05/03/10 06:25 AM
     WOOHOO!! April  for "A Quick Note" turned out to be just what the doctor ordered for our Notary/Signing business.  We haven't had time to stop and count the total number of signings yet, but deposits prove that April has been our best month in over three years.  What's more is that we did other work that we've expanded our business to do in and amongst the many signings we completed.  We conducted many individual "mobile notary" type assignments, Occupancy/Photo Inspections and delivered Service of Process and messenger deliveries across Southern California.  This trend is continuing with early work (in the month of May) that holds the promise … (0 comments)

notary public: New Offices...familiar ol' faces! Could it be a ramp-up for summer? - 04/23/10 03:38 AM
Having worked with and for a large number of Southern California Escrow and Mortgage Professionals at various companies, the '06/'07 melt-down saw them scattered to the four winds.  Recently, and not a moment too soon, my acquaintences have begun to "pop up" at new offices with new teams (looking alot like the old teams) and with many taking positions they are familiar with to crank out new work and most importantly-New Signing work for me [a Notary Signing Agent].  April has seen a vast improvement over March which was steady, but not earth-shattering.  My hope is that this is simply a … (0 comments)

notary public: Optimism and Diversification sparks NSA's to a an Improved 2010 - 12/06/09 09:36 AM
The gradual increase in my loan signing business since September ['09] has been a welcome and long awaited return.  While business is still nowhere near 2005-06 levels, a glimmer of hope has made itself known, perhaps, just in the knick of time.  The "purchase" market here, in Southern California, fueled by adjusting home prices, low interest rates and the allure of once unheard of and amazing deals has ignited Realtors, Escrow Officers and thankfully, Notary Signing Agents alike.  A rather high percentage of these have been FHA deals and although the majority are indeed purchases, a rise in the number of refinance loans being seen … (1 comments)

notary public: NO! I'm still part of that 89%...not the 11% (California Unemployment) - 07/23/09 05:49 AM
Self-employment continues to be a "double-edged sword" as we in Southern California mortgage-related businesses continue to meander through the trials of a foul economy.  While I've seen a fair amount of hardship all around me and experienced more of it than I'd like to admit personally, hanging in there and staying self-employed seems to have been the right move-at least for me. 
Clearly, income has not returned to 2005 levels.  Still, 2009 has shown great improvement over the prior two years.  When the bottom fell out during the first quarter of 2007, I was bewildered and somewhat broken-hearted.  Having finally [after 25+ … (1 comments)

notary public: Firefighters, Foreclosures, Modifications and Mindsets...can I help? - 11/16/08 08:12 AM
     With Southern Californians once again wiping smoke-induced sleep from their eyes, modification specialists and attorneys working to avoid thousands of expected foreclosures from happening and a nation inundated with economic doom and gloom, it is a wonder to see acts of goodness occurring before your eyes.  During continuous coverage of the Yorba Linda, CA fire last night, I witnessed one home from the moment it caught fire, to fully involved, to reduced to rubble.  While I watched, two unnamed police officers from the city of Buena Park (at least their police car said that's where they were from) stood on the roof of the … (2 comments)

notary public: This question still comes up now and then...What is an NSA? - 10/17/08 05:45 AM
A Notary Signing Agent is a Notary Public with specific training and familiarity with the signing of Mortgage Loan Documents.  Specifically, I obtain documents from mortgage brokers or escrow officers, schedule appointments for their borrowers and go to their homes or offices to conduct their closing.  While notaries refrain from offering advice, as we are not attorneys, we do facilitate a smoother closing at the signing table as we can quickly direct the borrower to the documents/areas where needed information can be found.  Most borrowers walk away from the signing with a better understanding of their loan and calmer than had … (2 comments)

notary public: Is it slow?....I'd go play golf....if I could afford it! - 09/13/08 01:02 PM
Is it slow?....I'd go play golf....if I could afford it!
One of my kids goes to Community College and works at the local country club. One of the perks is free golf at numerous courses throughout Southern California....(you know the ones that I can't afford to play at).... The little rat drives golf carts, hustles bags and does tournament set-ups for tips, gets the finest free instruction from real professionals that he's actually "friends" with and then plays free golf in every possible moment of daylight that he has. As a result, he's become quite the little artisan around the links, … (8 comments)

notary public: Any other Techno-Mobile Offices out there? - 09/11/08 04:38 AM
                                                        
Any other Techno-Mobile Offices out there?
I am a huge believer in technology. On board I utilize the following gadgets: Of course my blue-tooth cell phone, voice activated GPS (couldn't live without it), my laptop on a very cool device called an Airdesk with wireless internet of course, a Traffic Gauge which gives me readings on freeway traffic throuout the greater L.A. and Orange county areas and saves me hundreds of miles each month, a laser printer-for all those last minute emails and faxes that title/escrow like to send and my ZUNE MP3 player to keep me rollin'. Am … (1 comments)

notary public: Q: How many brokers does it take to screw up just one deal? - 07/07/08 05:58 PM
The answer is, just one as I'm sure many of you already know...
I know because I've seen a number of deals go sideways at the signing table. 
How? 
The mortgage broker insisted on "sitting in" during the presentation of loan documents by the Notary Signing Agent.  Only twice in my personal experience of nearly 6,000 signings has a brokers involvement (at the table) been a good thing.  Both times, the broker had very little if anything to say.  Both times the broker promised to use my services exclusively in the future. 
While we can and do point out terms and conditions … (13 comments)

notary public: Some of my favorite quotes you might have missed....enjoy! - 04/27/08 05:45 AM
 
 Here are some quotes from recent ("A Quick Note") posts you might have missed:
 
On integrity.... 
I made up my mind, long before entering this line of work, that my work had to represent integrity. In order to do anything well, you have to be able to sleep at night. The hardest challenge a Notary Signing Agent faces is not cutting corners. Especially when faced with an unfortunately large number of requests and the lure of the almighty dollar. My advice to all the new notaries who will listen is: Don't compromise, don't be bullied and always remember your oath.
                                  
On Responsibility....
Prison overcrowding … (11 comments)

notary public: Political correctness? (Blah, blah, blah!!!) - 04/24/08 11:56 AM
Previously posted elsewhere by "A Quick Note"    
     Remember when it wasn't a crime to make a profit?....when someone found a recipe for success, you would strive to emulate that behavior so as to have a duplicate result? Better yet, you'd do it better than the other guy, thus raising the bar and challenging others to compete.  If they failed, you rode the wave of success.  If they succeeded, you stepped up your game, so as to rival them once again.  This is the way of a free market economy.  "Lead, follow or get out of the way"-the saying goes. 
It is good … (0 comments)

notary public: Adventures of a Notary Signing Agent... - 04/19/08 07:37 AM
Adventures of a Notary Signing Agent...
Previously posted elsewhere by "A Quick Note"
OK, so I arrive at a very modest, older (vintage 1950's) house after dark and the house is dimly lit. I remember I'd just gotten a new prescription for my glasses and my eyes were adjusting to them... Anyways, the lady invites me in and into her living room where we apparently will sign on a coffee table-I refer to this type of signing as a "back-breaker". Again, the room was dimly lit and a light in the corner of the room was just enough to read and see … (5 comments)

notary public: Ethics...The Golden Rule...and Us, The Notary Signing Agent... - 04/18/08 05:28 AM
Modified from a post made elsewhere by "A Quick Note"
DON'T GET CAUGHT UP IN THE DETAILS HERE FOLKS....YOUR STATE (OR YOUR BELIEFS ABOUT CORRECT PROCEDURE) MAY BE DIFFERENT. TRY TO SOAK IN THE BIGGER MESSAGE.....We have all been approached by the last minute Loan Officer, Mortgage Broker or even the occassional Escrow Officer who wants to get the deal done in a hurry. You get through all the preliminaries, Name, Address and Phone and you've agreed to a price and know the deadline. Then comes "Oh, by the way..." or "There's just one more detail..." and it always has the smell … (0 comments)

 
Shannon Ziccardi, "A Quick Note" Mobile Notary ...in Tennessee! ("A Quick Note" ...in Tennessee!)

Shannon Ziccardi

"A Quick Note" Mobile Notary ...in Tennessee!

Clarksville, TN

More about me…

"A Quick Note" ...in Tennessee!

Address: 2301 Wilma Rudolph Blvd., #31855, (shipping address available by request), Clarksville, TN, 37040

Office: (888) 615-6682

Mobile: (949) 279-6874

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