Also, in case there was any doubt, I'm sure Luckydog meant that you should have a large operating BUDGET (or cash reserves), not expense. The post above by Lee/AR is a great explanation of why. Another reason is the situations where title decides that the notary didn't return a document (which they lost or never included in the first place), and are requiring the notary to go back out. The notary should get paid for that trip, but the ss may end up eating the cost, depending on what kind of agreement they have with the tc. I think many ss's have gone out of business because they were too willing to 'give away the store' in the terms negotiated in order to get the tc business. That includes dropping their fees and cutting pay to notaries.
IMO, the small signing services who survive have found a sweet spot, a combination of very low overhead and tough negotiating with their clients. Their fees are high enough to attract the best notaries so they can ensure consistent, quality work. They've found the win, win, win combination: a good tc that does quality work, expects the same from a signing service, picks one that takes care of their notaries, and understands that people generally get what you pay for.
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