Reply by CJ on 9/3/07 10:27am Msg #209190
Splitting my paycheck
Borrowers are asking me all the time, "Gee, your job looks like a lot of FUN! Is it LUCRATIVE?" (salivate, salivate) "How much to do get paid per job? And how many jobs do you do a week? How many did you do today?". I look around at their big, nicely furnished home, lots of toys, expensive cars in the driveway, and I realize, "Gee, they are at home tonight while they sign, and I am at work". I have a single wide mobile home, drive a car I bought for $2,000 many years ago. I know if I train these people, they will just be taking my work, since they obvioulsy live in my territory. I used to try to politey evade the question. After a while, I realzed how rude it is to ask me all these VERY personal details about my job, and I would NEVER ask any these same questions about their job. Plus, I am at work and I HAVE to be polite and profesional, whereas, they can be as rude as they like. I tell them, "I'm sorry, but this is my LIVLIHOOD, and I cannot afford to tell you anything. But I'll tell you this: you are at home tonight with your family, and I am at work. I work days, nighty, weekends and holidays. I work Christmas Eve, Thanksgiving morning, and New Year's day. I don't get reibured for milage or anything. I don't have benifits, vacations, or sick days. If I turn down a job, and 'Suzie' take it, they will call her next time. Signing companies call me up for a certain time, and then the borrowers want to switch it, so I have missed things I have planned to do with my kids, like attend school events. I have had to come home from a vacation early becuase they borrowers who refused to sign, changed their minds. I took an "open time" signing, but since they were flying out of town in the morning, I had to be at their house at 5:00 a.m. I took a 4:00 pm. signing, and the email docs were late. He had to MC a live award show on TV, so he could not sign later. I signed him at 11:30 at night when it was all over. And if I make a mistake, I have to go back on my time for FREE. I could NEVER do this job if I had little kids. I am so glad that my kids are old enough to take care of themselves, and my husband likes to cook." (Her husband usually make a yukky face at that point.) (And my husband really does like to cook. Every night I come home to a yummy dinner, and a REALLY messy kitchen. No compliants though.)
All of this is true. But what I REALLY want to say is, "How about you train me to do your job, and split your paycheck with me, and then I will train you to do my job and split my paycheck with you." The borrowers are already ALWAYS making more money then me. They want to take the money I use to pay the bills for their manicures and mad money. I can SEE that they have enough money all ready, and the mom just wants something to do and more money to spend. I say, "Wow. You are so lucky. If my husband coud support me, I would stay home in a heartbeat and do lots of hobbies, like scrapbooking and quilting."
I'm all worked up now.
And that was when business was good. Now I am down 50% -- in the busy month. In the slow month, when I am normally down 50%, then it will be cut in half again, and I will be at 75%. So NOW in my spare time, I am cold calling looking for more work, which of course there isn't any, since notaries are a dime a dozen in my area.
I live in the suburbs. You need a lot of houses to make the job work, but with a lot of houses, comes a lot of ohter notaries in the area. So I'm screwed any way you look at it. Good thing I have been buying donuts for everyone at Kinkos on a regular basis. I think they will hire me if things get worse. They know I will work all crazy hours, and I see the job through, so I am a good candidate for them.
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