Notary Public Day: November 7

National Notary Public Day                                              November 7, 2014

Notaries contribute with thousands of daily transactions as impartial witnesses promoting trust and integrity.

The origin of Notary goes back in history to Marcus Tullius with the words notae,  then notarius, people or registrars under the Emperor. Later in 1255, Rolandinus Passaggerii wrote Summa totius artis notariae in Bologna, Italy.

National Notary Public Day Nov 7


America’s first notary was Thomas Fugill, who was appointed by the Colony of New Haven in 1639.  From New Haven Colony Records:  Fugill was chosen publique notary, to attend the court and from time to time to ke[ep] a faithfull recorde of all passages and conclusions of the court, and of whatsoeu[er] else then or att other times shall by the court or magistrate be comitted to him concerning the ciuill publique occasions of the Plantation.”

There are different events on November 7, for example, in Alabama there will be a meeting at 10am at the Birmingham Public Library.

A few places mention the National Notary Day. The American Society of Notaries has a page, “Notary Public Day Honors America’s Notaries”  where they encourage to thank a Notary Public every November 7 and summarizes the tasks, importance, definition and history of notaries.

The National Notary Association, in its Notary Bulletin, has an article: A Celebration of The American Notary.  It presents the roles of some Notaries throughout history: Christopher Columbus (The Discovery of America),   Thomas McKean, Notary (founding of the United States), Notary and the President(John Calvin Coolidge, Sr.) and others.

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Writing and article and cannot find the words? Bloggers solution.

Sometimes you have the facts and news about a specific topic and you would like to rephrase it but… the words are just not there.


writing helpWell, help is available in real time, see an example.  Let’s say that you have the original sentence:  

Nobody has been arrested by the police officers, but the suspect is being interrogated by them.

This system automatically rewrites entire sentences and paragraphs. Look at the result:

Law enforcement are interrogating the defendant, although they have not detained anybody.

It not only understands what each word means, but also how each word interacts with each other.  It looks for possible ways to rewrite your article based on what the article truly means.  It will often completely rewrite sentences so they share nothing in common with the original sentence.  It reads the article like a human would, gathering facts and information.  It  creates synonyms for each article.  It can read an article and intelligently create high quality titles.

Read more





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Retirement accounts, trusts, Estate planning law.

Retirement Accounts and Estate Planning

For many Americans, retirement accounts comprise a substantial portion of their wealth. When planning your estate, it is important to consider the ramifications of tax-deferred retirement accounts, such as 401(k) and 403(b) accounts and traditional IRAs. (Roth IRAs are not tax-deferred accounts and are therefore treated differently). One of the primary goals of any estate plan is to pass your assets to your beneficiaries in a way that enables them to pay the lowest possible tax.

Generally, receiving inherited property is not a transaction that is subject to income tax. However, that is not the case with tax-deferred retirement accounts, which represent income for which the government has not previously collected income tax. Money cannot be kept in an IRA indefinitely; it must be distributed according to federal regulations. The amount that must be distributed annually is known as the required minimum distribution (RMD). If the distributions do not equal the RMD, beneficiaries may be forced to pay a 50% excise tax on the amount that was not distributed as required.

After death, the beneficiaries typically will owe income tax on the amount withdrawn from the decedent’s retirement account. Beneficiaries must take distributions from the account based on the IRS’s life expectancy tables, and these distributions are taxed as ordinary income. If there is more than one beneficiary, the one with the shortest life expectancy is the designated beneficiary for distribution purposes. Proper estate planning techniques should afford the beneficiaries a way to defer this income tax for as long as possible by delaying withdrawals from the tax-deferred retirement account.

The most tax-favorable situation occurs when the decedent’s spouse is the named beneficiary of the account. The spouse is the only person who has the option to roll over the account into his or her own IRA. In doing so, the surviving spouse can defer withdrawals until he or she turns 70 ½; whereas any other beneficiary must start withdrawing money the year after the decedent’s death.

Generally, a revocable trust should not be the beneficiary of a tax-deferred retirement account, as this situation limits the potential for income tax deferral. A trust may be the preferred option if a life expectancy payout option or spousal rollover are unimportant or unavailable, but this should be discussed in detail with an experienced estate planning attorney. Additionally, there are situations where income tax deferral is not a consideration, such as when an IRA or 401(k) requires a lump-sum distribution upon death, when a beneficiary will liquidate the account upon the decedent’s death for an immediate need, or if the amount is so small that it will not result in a substantial amount of additional income tax.

The bottom line is that trusts typically should be avoided as beneficiaries of tax-deferred retirement accounts, unless there is a compelling non-tax-related reason that outweighs the lost income tax deferral of using a trust. This is a complex area of law involving inheritance and tax implications that should be fully considered with the aid of an experienced estate planning lawyer.

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Apostille Guide – Do-It-Yourself.

What people says about DIY?  Do you DIY? There are so many things to embrace about making things by hand – the ingenuity, the dedication, the mistakes, the financial savings, the customization, the gift giving possibilities, the skills learned, and lessening the environmental footprint by reducing, reusing, recycling and repurposing items. Read more   DIY Costs Less Money (Most of the Time), Learning Something New Is Fun and Fulfilling, Your Pursuit for Improvement Gives You a Chance to Meet New People,  You May Even Be Able to Charge for Your New Skill,  DIY Gives You More Options in Retirement WiseBread.

Do-it-yourself Apostille. 

If you are not in a hurry and live in United States you may consider to process your own Apostille. This is a step-by-step e-guide to getting an Apostille stamp on all your documents fast (usually within 24-48 hours), securely, and for hundreds less than hiring an Apostille service! With my e-guide, you will be able to: Download all the information you need in two minutes! Determine if your documents qualify for Apostille or certification. Know exactly which government office to work with. Know with certainty that you Apostille will be legitimate. Utilize the same local resources the over-priced services use to oversee the entire transaction. Read more here.  If you are in a hurry and need an Apostille rush service click here




Apostille service in California – Sacramento Mobile NotarySpanish 

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Estate Planning – Certificates of Shares

Estate Planning: How Certificates of Shares Are Passed Down

How is the funding handled if you decide to use a living trust?

Certificates represent shares of a company. There are generally two types of company shares: those for a publicly traded company, and those for a privately held company, which is not traded on one of the stock exchanges.

Let’s assume you hold the physical share certificates of a publicly held company and the shares are not held in a brokerage account. If, upon your death, you own shares of that company’s stock in certificated form, the first step is to have the court appoint an executor of your estate.

Once appointed, the executor would write to the transfer agent for the company, fill out some forms, present copies of the court documents showing their authority to act for your estate, and request that the stock certificates be re-issued to the estate beneficiaries.

There could also be an option to have the stock sold and then add the proceeds to the estate account that later would be divided among the beneficiaries. If the stock is in a privately held company there would still be the need for an executor to be appointed to have authority. However, the executor would then typically contact the secretary or other officers of the company to inquire about the existence of a shareholder agreement that specifies how a transfer is to take place after the death of a shareholder.  Depending on the nature of the agreement, the company might reissue the stock in the name(s) of the beneficiaries, buy out the deceased shareholder’s shares (usually at some pre-determined formula) or other mechanism.

If you set up a revocable living trust while you are alive you could request the transfer agent to reissue the stock titled into the name of the trust. However, once you die, the “trustee” would still have to take similar steps to get the stock re-issued to the trust beneficiaries.

If you open a brokerage account with a financial advisor, the advisor could assist you in getting the account in the name of your trust, and the process after death would be easier than if you still held the actual stock certificate.

Sacramento Estate Planning. Law Office of Joan Medeiros.


Sacramento Mobile Notary Public –  Apostille service in Califlornia - Servicio de Apostilla y traduccion -

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Promoting your service with text ad exchange.

There are some many ways to promote your business.  Everyday there is something new and it’s difficult to catch up.  A different approach is with text ad exchange.   Another tool to invite business owners, service providers, website owners, etc.

What is a Text Ad Exchange?

A Text Ad Exchange differs from a regular traffic exchange, where the difference is that the site shows members’ contextual advertisements to other members as opposed to full web page views as most traffic exchanges do.

Delivering targeted traffic your sites will crave!  

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Sacramento Loan Officer and Realtor

When you look for a loan officer you expect experience and great service.   In the case of Bob Willett you also can include “Educator”.  Nothing like a good explanation in plain words help a lot when it comes to the Mortgage jargon.

To these type of questions “How much I can afford, what is the best program in my case and how much is going to cost me…?”  you may find useful clear words that help you understand how the industry works.

Involved in a mortgage banking certification program, Home Loan counseling center, and as a board member for a few Real Estate organizations, Mr Willett, will be able to help you in the right direction with the different type of programs, to name a few:

FHA and Conventional Loans, VA, Cal Vet, CalHFA, USDA, local and regional downpayment assistance, 203K Rehab lending, reverse mortgage and refinance,  HARP II refinance.

You can learn more at his LinkedIn site, his personal website.

If you need some help looking for a home for sale in Sacramento you contact his wife, Mary Willett at Sacramento Homes.

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Erika Badillo, bilingual Spanish Roseville Real Estate Agent

Erika Badillo

REALTOR® BRE# 01332986 LIC#: BRE# 01332986
From the Office of: ERS Roseville
ERS Roseville

1050 Opportunity Dr STE 125
Roseville, CA 95678

Direct: (916) 844-5949
Office: 916-604-9996
Mobile: (916) 844-5949

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About Erika Badillo


Erika Badillo is a highly accomplished California real estate agent, ranked in the upper 18% of her peers at the 82nd percentile.

She has completed at least 51 transactions with an average sale price of $142K. She has closed transactions ranging from $55K to $345K in value.

Erika’s brokerage of record is Ers Roseville where she primarily serves both buyers and sellers with Single Family properties in Sacramento, North Highlands and Citrus Heights and the None specified, Glen Elder and Valley Hi – North Laguna neighborhoods.

Erika stands out because of her depth of experience as a buyer’s agent. Neighborcity.

Sergio Musetti Sacramento Notary, Apostille service Spanish Translation,

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Is a marriage ceremony performed by a notary public of the State of Florida “legal and binding”?

Is a marriage ceremony performed by a notary public of the State of Florida “legal and binding”? Is a Florida notary public authorized to perform a marriage ceremony outside the state, or may a notary from another state perform a marriage ceremony in Florida?

Florida is one of only three states (the other two are South Carolina and Maine) who authorize their notaries public to “solemnize the rites of matrimony.” §117.045, Florida Statutes. The Florida notary may perform a marriage ceremony providing the couple first obtain a marriage license from an authorized Florida official and may only perform such ceremony within the geographical boundaries of Florida. Thus, a Florida notary could not perform a marriage ceremony in another state. Additionally, a notary from another state, including South Carolina and Maine, could not perform a marriage ceremony in Florida. And, a Florida notary may not marry a couple who has obtained a marriage license from another state. Florida Dept. of State – Notary Public



United States Apostille service

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