Posted by Anonymous on 6/7/06 2:28am
Msg #124472

interest rates

What are the two different interest rates on most loans and were are they typically located?

Reply by CaliNotary on 6/7/06 2:32am
Msg #124473

It's obvious you're taking a test

If you can't pass these signing service tests by yourself then you have no business doing loan signings.

Reply by Anonymous on 6/7/06 2:46am
Msg #124475

Re: It's obvious you're taking a test

You should not waste your time answering but not helping. The forum is for people helping others. If you are so good you should not be here. Or maybe you wait for some answers too.

Reply by CaliNotary on 6/7/06 2:55am
Msg #124476

Re: It's obvious you're taking a test

Who told you that Monica? The purpose of this board is not to teach new people how to do this job. You shouldn't waste OUR time asking us things that you should already know as a signing agent.

If you can't even complete a simple signing service test without help, why in the hell do you think you're qualified to go do loan signings? Let me guess, you're not at all qualified, but we all have to start somewhere. And if somebody's loan gets f*cked up because of your incompetence, oh well, at least you made your $50 and got some experience. Because that's all that really matters, right?

Reply by Anonymous on 6/7/06 3:13am
Msg #124479

Re: It's obvious you're taking a test

Again, don’t waste your precious time with “beginners” as you think they are. Go do real conversation with who might need your precious and skilled experience.

Reply by CaliNotary on 6/7/06 3:18am
Msg #124480

Re: It's obvious you're taking a test

Yeah, that snotty attitude is going to take you REAL far on this board.

Reply by Ndwa on 6/7/06 3:20am
Msg #124481

c'mon Cali...

Don't tell me you got nothing better to do at this time of night than putting the cat out to liter on anon's silver plater handler.

Reply by CaliNotary on 6/7/06 3:23am
Msg #124483

Re: c'mon Cali...

Sure I do, but I'm multitasking. I can burn stuff onto CD's for a friend AND shoot down the hopes and dreams of newbies with dollar signs in their eyes.

Reply by Jenny_CA on 6/7/06 3:48am
Msg #124490

Cali...OT

Did you stay until the end of the credits on X-Men 3?

Reply by CaliNotary on 6/7/06 11:34am
Msg #124539

Re: Cali...OT

No, but I heard after the fact that I should have. No big loss, I can already barely remember anything about the movie. Definitely not in my year end top ten.

Reply by Jahari Davis on 6/7/06 11:03am
Msg #124528

Re: It's obvious you're taking a test

Ok, I couldnt ignore this posting thread as this issue concerns me greatly. The issue I'm referring to is slamming people on this board. I'm sorry but I graduated HS years ago. There's no proof that this person was taking a test. Granted the post was written in the form of a question on a test and could be construed as such but thats not the point. The point is they just asked a simple question. Whats wrong with answering them minus the slams? Many people on this board do nothing but slam new notaries. Cali you are right this is for professionals but there wasnt a need to slam this person. If you consider posting a question on this board cheating, what would you consider it if they hadnt posted on this board and instead sought out the info on the net on the many notary Q&A websites? Would you still consider that to be cheating or is it cheating because they came to the one place they knew for sure that they might find the answer?

Reply by CaliNotary on 6/7/06 11:32am
Msg #124537

Jahari

It is BLATANTLY obvious that the question posted was from a test. The way the question was worded is all the proof that I need.

As for my "slam", my first response was "If you can't pass these signing service tests by yourself then you have no business doing loan signings". Which is not a slam, it's a cold hard fact.

What's wrong with answering the question is that it helps unleash yet another signing agent onto the market who has little to no knowledge of how to do this job. The whole point of signing services giving these tests is for them to see if the notary has the basic knowledge needed to do the job. If we help them cheat, who does it benefit? Certainly not the signing service or potential borrowers.

If the notary sought the info out on the net, then they've learned the information on their own. It's no different than a high school student doing research on the net to do their homework vs. calling one of their friends and asking what the answer to #6 is.

If you want to hand over the answers to these people so they can cheat on the test that is supposed to measure the skills they have to do this job, there's nothing I can do about it. But by doing that you're directly contributing to the growing amount of incompetence in this industry and doing no favors to anybody (other signing agents, title companies, signing services, borrowers) except the person that is taking the test.

Reply by JanelWI on 6/7/06 1:17pm
Msg #124558

Re: Cali, Well said!

This business is constantly changing to boot!! If Anon doesn't have the ability and initiative to do their homework on the basics it reflects very badly on the kind of effort and knowledge they project as an actual closing....makes me shudder! Not to mention how borrowers and these companies view us!

Anon, I don't know if you are self employed part time or full time. Either way it does not matter. Because you are considering this; you have a greater responsibility to know your stuff. If you want to last you must know SE Business knowledge and Professional SA knowledge. If you want to project professionalism and my personal favorite....integrity, Stop! Reflect on whether this is for you and sit back and acquire the books and training material. I recommend highly the Signing Registry Training Guide. Don't ask someone a question that you are not willing to seek out for yourself. There is no satisfaction in it, or longevity. This is not like most fast food businesses that they pelt across the internet. No matter what you have been told or perhaps read, this takes work, work and more work, dedication, patience and a continuous desire for education. Gee, like most things in life:-)

Reply by Jahari Davis on 6/7/06 1:39pm
Msg #124562

Re: Cali, Well said!

I agree with you both. A person should do their own homework and find their own information. However instead of coming down on Anon the way Cali did, couldnt they have just pointed out references to which they could do just that? The business is constantly changing and you have to keep up. Anon, if your still reading the thread, seek out your own info and if you cant and decide to seek out info in a post here, phrase your question differently so it doesnt look like it came from a test and ask for sources instead of the direct answers. It'll save you a lot of headache and frustration.

All I'm saying is help a newbie out when they need it. Not condemn. When I first posted here I got so much positive feedback from people recommending websites and source info to check out on my own. Now its slam for slam for slam. Chill out people and be kind, courteous and professional to the newbies.

Reply by CaliNotary on 6/7/06 2:16pm
Msg #124571

OK, I tried it the nice way

And obviously my point went right past you. And you wonder why some of us are blunt? Maybe it's to get our message across clearly?

So let me just say this. Who the hell are you to tell me how I should or shouldn't post on here? If you wanna post with kittens and rainbows and lollipops in each post, great. If you want to hand all of your hard learned information over to some lazy stranger, go for it. But if you want to tell me how I, a grown man, should carry on a conversation to make YOU happy, then don't expect a sweet professional response in return.

I don't give a flying f*uck what you think about me "coming down" on people on this board. It is really none of your f*cking business how I choose to word my responses. What would you think if I told you that you were wrong about the way you were saying things, that you should really say it this way? You'd probably think the same thing as me, "who does this prick think he is, telling me what I should do"? Why? Because it's rude and presumptuous to do so.

If you've been reading this board as much as you say you have, then it should be ridiculously clear to you by now that these stupid "lets all be nice" posts have absolutely no effect on how people respond. We all have our own style, and if you don't like it you have many options. But one of the options is NOT telling me how I should say things. My own mother doesn't do that anymore, I sure as hell don't need some stranger doing it.

Now please stop being so rude and presumptuous. The board will be a much better place for it.

Reply by Anonymous on 6/7/06 2:46pm
Msg #124585

Re: OK, I tried it the nice way

I cannot believe that you are working with clients doing signings. Your attitude is sooo aggressive. I would be afraid letting you into my house. Why not consider some anger management classes? Just a suggestion and trying to help.
Make today your best day ever and ever day after that!!

Reply by Jahari Davis on 6/7/06 3:26pm
Msg #124595

Re: OK, I tried it the nice way

Cali, if you want to drop the niceties, be my guest. You dont have any kind of bearing on my universe so go ahead and get nasty. I wont sink to the toiletbowl level you just sank to with this last post. I dont have anything to prove here. Obviously you do. I do hope that the right people (TC's, SS's, LO's) are watching and reading your posts to see exactly the kind of professional you are versus the professional you claim to be. So go ahead and use all the f-words you want to bub. I'd never ask you to make me happy or post with "kittens and rainbows and lollipops" as you put it. You arent that important to my life, my business, my universe in general. I do thank you for proving my point for me though. Thanks so much.

Reply by TitleGalCA on 6/7/06 3:40pm
Msg #124598

Forget it Cali

Your very clear point, which was well-stated and understandable is apparently incomprehensible for some.

I have a theory it's the use of the F word. or the use of the P word. I've seen this over and over again in your posts when you get annoyed and REALLY say what you mean and let fly with language for emphasis. That's all they see and can only respond with oh-my-goodness-I-can't-believe-you'd-sink-so-low-with-that-toiletbrush, and completely miss the point. It's a shame.

Reply by CaliNotary on 6/7/06 5:13pm
Msg #124621

Re: Forget it Cali

Yeah, but that's kind of the fun of it.

If someone like Jahari is going to make some asinine comment about me coming down too hard on or being mean to someone, why not let er rip and show him what coming down hard really looks like? Not that I expect them to notice the difference, the "if you can't say something nice you shouldn't say anything at all" crowd don't care about the message, they just want everything to be superficially nice.

It's amazing, grown men and women all across the country hear a barrage of swear words on the street, on TV, in movies, etc. on a daily basis and they probably barely register in their mind. But put a modified one in print on a message board and suddenly the puritans come out and panties go flying into a wad all over the place.

I'm just doing my own little part to fight against the wussification of America.

Reply by AngelinaAZ on 6/7/06 6:12pm
Msg #124635

The wussification of America...

This week my 5-YO son has provided us with some interesting entertainment. He spent the day at the park on Monday and came home with a new word. Last evening, I found him in the bathroom with a big bar of soap in his mouth... I said "Whatcha doin' kiddo?" to which he responded... "I'm cleaning out the filth Mom". I said... "Well is it cleaned out yet?" He took out the soap and very seriously said "Sh*thead". He shrugged and said... "Nope not yet" and stuck the soap back in.

The terrible thing is that we spent the next... oh... half hour or so... testing to see if the filth was gone. We finally decided that the soap sucked.

Reply by Jahari Davis on 6/7/06 6:31pm
Msg #124640

Re: Forget it Cali

Dude, let me make something clear. Its not the use of the f-word or any other swear word period. I could care less if you wrote an entire post using the word f*ck. Here...let me help you. "F*ck, f*ckity, f*ck, f*ck, f*ck!!!" There are you happy? If thats what you need to feel like a real man with big brass balls....there you go. Swearing is so awesome! Just to let you know, I can swear too and I could get darker than you could even think about but thats not what I'm all about. See, I'm about more than going out fighting battles that dont need to fought such as your "War against the wussification of America." Please. Thats just bad comedy. You dont do nice thats fine. Be that threatened d*ckhole you have shown yourself to be. I've done nothing but be upfront and say chill out and help people that need it while you wanna say "f*ck you!" You dont have to be little mary sunshine but you dont have to be a d*ck about things either. I pity you, that you feel the need be such an ass. How about being less selfish looking for the "Ah-HA, gotcha!" piece in my comments to cut and paste in a post and be about something real and tangible. Be direct and to the point but not to the point where you're an ass. I have no beef with you nor have I asked for one. All I asked was to chill, be professional, and help point the way for someone if they needed direction and info. I know you've got one last comeback post left in you but this is my last one in this thread. As I said, I graduated high school already.

Reply by Marlene/USNA on 6/8/06 9:46am
Msg #124740

Re: Forget it Cali

You should ride my bus to work someday, Cali, you'd find out that America ain't wussified here in Pittsburgh. You could add to your repertoire! I've become so desensitized to language after 18 years on the bus - and that includes every imaginable foreign language - I don't even register anything anymore.

18 years - wow, I gotta get off that bus once in a while!

Reply by Tina_MA on 6/7/06 6:32pm
Msg #124642

High five, Cali! Way to go! Amen! Hallelujah!

Thank you for taking the time to tell all the Pollyanna's on this board what for.

I get so tired of people telling me how I should "speak" on this board. What a bunch of crap!

And by the way, I talk the way that I write (there are a few that speak to me on the phone that can attest to that).

I go not go for BS flowery statements and flattery. It's overrated, senseless, and wastes too much damn time.

Reply by Anonymous on 6/7/06 6:58pm
Msg #124653

Re: High five, Cali! Way to go! Amen! Hallelujah!

Why use your energy on bad language rather than using proper language that intelligent people would understand?

Reply by CaliNotary on 6/7/06 10:25pm
Msg #124685

Re: High five, Cali! Way to go! Amen! Hallelujah!

I was an honors student in high school and am a college graduate. An intelligent guy, yet I understood every word I wrote. Which ones are stumping you?

Reply by Jahari Davis on 6/8/06 4:13am
Msg #124717

Ok, one last time.

George W. Bush is a college graduate and has an MBA yet uses words like Decider and Nuculear that in no way can be attributed to regional dialect. Point? Just because you are educated doesnt mean you are automatically smarter than everyone else. Einstein was a genius yet a complete and utter failure at mathematics. There is a difference between being smart and being educated. To be smart means you have the mental dexterity to process information employing multidimensional critical thinking and reasoning. To be educated can mean anything from what I just described to just memorizing facts to pass a test absent any form of reasoning or critical thinking ability. L8r H8r

Reply by Anonymous on 6/8/06 6:54am
Msg #124724

Re: Ok, one last time. Would you just SHUT UP?!!! n/m

Reply by Anonymous on 6/8/06 9:28am
Msg #124735

Re: Ok, one last time.

Well said!! I could not have said it better!!

Reply by CaliNotary on 6/8/06 1:54pm
Msg #124781

Re: Ok, one last time.

I think I understand.

Somebody who applied multidimensional critical thinking and reasoning to my post would come to the conclusion that if I was an honors student in high school, I must possess above average intelligence since admission into that program has nothing to do with how educated you are, only how intelligent you are.

And if somebody did that, they probably wouldn't feel the need to post a thinly veiled insult about the difference between being smart and being educated, as the only possible concusion they could draw from their multidimensional critical thinking and reasoning would be that I am in fact both educated AND intelligent.

It's just too bad somebody wasn't intelligent enough to do that.

Reply by Jahari Davis on 6/8/06 2:44pm
Msg #124790

*sigh* n/m

Reply by BrendaTx on 6/8/06 3:11pm
Msg #124796

Re: *sigh* Yep, Cali's hard to beat in a debate. n/m

Reply by Jahari Davis on 6/8/06 8:27pm
Msg #124858

Re: *sigh* Yep, Cali's hard to beat in a debate.

LOL!!!!! Not really. This is what we grown ups like to call "Picking our battles." There's a difference between losing and walking away from a battle of wits with the desperately unarmed like Cali out of pity. I mean come on...The War Against The Wussification of America? If you say it out loud you'd laugh too. Anyway, you two can have it.

Reply by MichiganAl on 6/7/06 1:13pm
Msg #124557

Sorry Jahari, but I agree with everyone else on this

It's a test question as clear as day and anyone with the nerve to try to get someone else to answer it for them doesn't deserve polite. And yes, there's a big difference between asking someone to give it to you and learning how to find it. I'm sick and tired of being told our answers are too rude without even bothering to consider that it is the QUESTION that is offensive. And even if this wasn't a test question, no one should be asking "where is the interest rate found." Are you freaking kidding me? That's not a newbie question. Has this person taken one class or picked up one book and read chapter one? Are you telling me "where is the note rate found?" wasn't covered in day one of signing agent class, isn't in chapter one of any signing agent manual? It doesn't frighten you that this person is taking a test clearly with the intent of signing up with a SS, thinking they are ready to go out and handle the most important transaction a person can go through? Would you want this person doing a loan signing for one of your family members? They're not just completely unprepared, they're lazy and they're a cheat as well.

Jahari, you're here once a month at most. When you've been here every day for a year or two seeing the same frightening questions, then maybe you'll understand. If we say "listen sweetie, here's the answer, but maybe you should study a little more first," it will get no where. It needs to be direct and plain. What you see as rude, I see as protecting SS, title companies, and borrowers from potential disaster.

Reply by Jahari Davis on 6/7/06 1:48pm
Msg #124565

Re: Sorry Jahari, but I agree with everyone else on this

Al, I used to post on this board regularly a few months ago. I decreased my activity here because it just seemed like more slams were being passed than information. I come here and read posts and seek out info in previous posts for things I'm curious about at the time and thats about it. Dont mistake my lack of presence on the posting board for a lack of presence here period. I'm here, but you cant see me til I post.

Reply by MichiganAl on 6/7/06 3:13pm
Msg #124591

You arrived here on 3/23/06 saying you were new

So don't lie and say you've been here and used to post regularly. You arrived on 3/23, posted for about two weeks, disappeared for 6 weeks, and posted on 5/14 that you've been MIA but now you're back. See how easy it is to use the search button?

Reply by Jahari Davis on 6/7/06 3:33pm
Msg #124596

Re: You arrived here on 3/23/06 saying you were new

Yep, I use it often. Thank you for giving me that stirring lecture about my first post and my other previous posts since then. Top notch detective work my friend. Holmes and Ellery Queen would be proud. As to lying, I never lied. I have been here regularly. I did post often. I stopped and I explained why. I read posts and search posts here without posting. What is this need for you and others to try and prove people wrong so you can have your "Ah-HA!" moment? I dont get that. Grow up!

Reply by LOUISE JULIES on 6/7/06 2:24pm
Msg #124574

Re: It's obvious you're taking a test

If you are not willing to help others,why do'nt you just not bother replying,instead of being insulting. It is okay to be selfish. Unfortunately you just never know when YOU may need a little help!

Reply by CaliNotary on 6/7/06 2:37pm
Msg #124582

Re: It's obvious you're taking a test

Why don't you just not bother telling me what I should or shouldn't post on the board?

Reply by DogmongerCA on 6/7/06 2:46pm
Msg #124584

Here's one more mean spirited response:-)


If you are not willing to help others,why do'nt you just not bother replying,instead of being insulting.

***Exactly how is helpful for a poster on the board help you defraud a vendor into thinking you are qualified to do a loan closing???????



It is okay to be selfish. Unfortunately you just never know when YOU may need a little help!


***Why don't you just admitt that you got caught trying to cheat and stop blaming others for not giving the answers??????

Reply by Brenda/CA on 6/7/06 3:35pm
Msg #124597

Re: Louise

How is not giving someone the answer to cheat on a test being selfish? Where did you attend school? I was taught that if you help someone on a test by giving them the answer then you are a cheater as well. Perhaps you can find teacher in your local school district and ask their opinion. In school you are given the tools to learn for yourself, not supplied with the answers. That is why some receive A's while other receive F's it is preparation for the real world. Study and you shall gain knowledge, seek and you shall find. JMHO

Reply by Anonymous on 6/7/06 3:45pm
Msg #124600

Re: Louise

Brenda, we are no longer in school, and not being helpful, is certainly selfish!

Reply by Brenda/CA on 6/7/06 3:51pm
Msg #124601

Re: Louise

Louise - there is a "HUGE" difference in being helpful and giving someone an answer to a test question!!!!!!!!!!!!!!! If you take the time to read all of the posts related to "newbie" questions you will see that the people that are being accused of not being helpful, or of being selfish, are only pointing the people in the direction of how to help themselves. Who are they going to call from the signing table if they don't know the answer to basic questions?

Reply by Brenda/CA on 6/7/06 4:00pm
Msg #124602

Re: correction should be Attn: Anon of AK n/m

Reply by Anonymous on 6/7/06 4:21pm
Msg #124604

Re: correction should be Attn: Anon of AK

Brenda, you have the same spirit as calinotary. Are you guys friends?

Reply by Brenda/CA on 6/7/06 6:27pm
Msg #124639

Anonymous 69.233.170.240

Anon,
Where were you hiding when God made people with brains? You just cannot comprehend the advantage of study, research or educate yourself. Futhermore, you can't even remember your own name "Anonymous" is like Jane/John Doe. Do you have amenesia?

Reply by Anonymous on 6/7/06 6:37pm
Msg #124644

Re: Anonymous 69.233.170.240

Brenda,Brenda
You sure are funny!!! Grow up! You are in the real world.Start living!
Thanks for the laugh!

Reply by Anonymous on 6/7/06 2:27pm
Msg #124577

Re: It's obvious you're taking a test

You must be really feeling frustrated or extremely unhappy!

Reply by JanetK_CA on 6/7/06 3:23am
Msg #124482

Re: It's obvious you're taking a test

"The forum is for people helping others."

That may be your impression, but some of us feel it is a forum for *professional* notaries to come together to share experiences, company information (e.g. who doesn't pay), etc. But if you took CaliNotary's advice to heart, it probably *would* be a help to you, in the long run. If you come here looking for shortcuts and for people to hand everything to you, then you don't have the stuff it takes to be successful in this business - especially in the current market. This is a tough business these days for those who aren't yet established and the few who survive won't be those looking for the easy way through...

If you haven't already (and I'm guessing not), I suggest you read all of message #33325. If you're not willing to read through all of that, go directly to #95867 for "a lesson on attitude for newbies"...

Reply by Ndwa on 6/7/06 3:29am
Msg #124486

Janet

Will you email me your info? I may have biz in store for you.

Reply by JanetK_CA on 6/7/06 3:41am
Msg #124488

On its way... Thanks! n/m

Reply by Ernest__CT on 6/7/06 6:28am
Msg #124497

We won't help you cheat on a test.

If you had a real-world problem and needed help we'd be here for you. Take a course. Learn just like the rest of us had to, without cheating.

Reply by Joe Ewing on 6/7/06 11:15am
Msg #124533

Re: We won't help you cheat on a test.

In the eary mid 90's I had bought my first computer with a mouse attachment. Windows 3.0 I think it was the OS and I didn't have a clue. My brother in law at that time was working for Cisco and he was making a decent living installing computer networks in all those new offices that were springing up like mushrooms in Sorrento Mesa. Around about my 5th phone call to him about computer whatever he shouted at me to take a course.

Well I did... end of story.

* Going to a message board to get the answers to a signing agent test that (I'm guessing here) will show a decision maker that you are qualified to compete against the rest of us for work is about as offensive as you can get.

Reply by Blueink_CA on 6/7/06 11:32am
Msg #124538

I'm happy to help-here's the answer

The two different interest rates on a loan are 1) The rate on the note. 2) The rate the LO promises.

Don't ya hate those trick questions on tests?

Reply by CaliNotary on 6/7/06 11:34am
Msg #124540

Re: I'm happy to help-here's the answer

Ok, that made me giggle.

Reply by Sylvia_FL on 6/7/06 11:34am
Msg #124541

LOL Blueink_CA

Good answer!

BTW signing companies do read these boards and see when someone is asking for the answers on a test

Reply by BrendaTx on 6/7/06 8:11pm
Msg #124662

http://www.eagledocs.com/sample.pdf

Download the documents at this link and find the answer by scrutinizing every one until you locate the answer that the question is talking about.

How did I locate these docs? I did search after search after search.

Maturity will drive you to find the answers in this pile of pages. Immaturity will continue to demand like a baby who has not yet learned the sun does not rise and set on the crack of your hiney.

Reply by SamIam_CA on 6/7/06 10:14pm
Msg #124680

I'd like to thank everyone for such an amusing thread! i was so bored tonight - signing canceled - and this thread was the cherry on the cake of my day. Especially _ i think it was Blueink (?) who gave the right answer and made Cali giggle. Now there is a visual for all of us.

Reply by christiSocal on 6/8/06 3:39am
Msg #124716

Blueink's on to something!

Everytime a test question is asked, we ought to give answers just like Blueink's. sure would weed out those who are cheaters and shouldn't be notaries anyway!