Saving Money

Notary business costs are rising all the time, background checks, registrations, supplies, hardware, advertising.    It is good to check for savings all the time; this one sounds interesting avoiding the need of detergent forever.  We’ll see if it works.



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How to complete a Certificate of Trust

As a certified Signing Agent I often notarize loan packages.  Some of the properties are in a trust*.   So, if your property is in a trust and you will refinance the property or transfer property in or out of your living trust, the bank or lender want to verify that you have the authority and that the trust exist.  So the financial institution will provide the Notary with the refinance package including a page called the Certificate of Trust.

The trust document may have a large number of pages and private information.  The loan package provides a page titled Trust Certificate or Certificate of Trust.  This  is a condensed version of the trust, which leaves out details of what property is held in the trust and the identity of the beneficiaries.  In other words,the Certificate of Trust verifies the trust’s existence, explains the powers given to the trustee, and identifies the successor trustee.

This document usually it is a page that the borrowers complete and sign.  See example below; the notes on red is an explanation of what should be filled in the blanks. This may be useful to notaries since the clients sometimes don’t know the jargon.



I / We, names of trustees, confirm hereby and attest to the following facts circumstances and relative to the below mentioned trust:

1. Name of trust:          the name of the trust 
is currently in existence and was created on date of trust.

2. The trust was established by:        The trustmaker, also referred as grantor, trustor or                                                                         settlor, the person that created the trust.

3. The current trustee(s) of the trust is/are:    Write the name(s) of the current trustees.

4. The power(s) granted to the trustee(s) include:
(A) The power to sell, convey and exchange the real property which is the subject of this transaction.
Yes__   No__                If they can sell or exchange the property choose yes.
(B) The power to borrow money as well as mortgage and encumber the subject property with a Deed of Trust.
Yes__   No__               If they can borrow money choose yes.

5. The trust is (A) Revocable or (B) Irrevocable and is revocable by the following party(ies):

If the grantor may amend or revoke the Trust at any time, without notifying any beneficiary then choose  (A)

6. Describe which trustees or combination thereof which are authorized to exercise the powers mentioned in paragraph 4. If the trust has multiple trustees and less than all the trustees are going to execute the document necessary to complete this transaction.
                                       Add names of trustees that are signing.

7. The trust identification number is as follows (last four digits of SSN, etc.):
                                Add last 4 digits of SSN of trustee.

8. Title to trust assets shall be taken in the following fashion:
Normally, the title to trust assets would state the name of the trustee(s) of the trust, the name of the trust itself, and the date of the trust, for example: John Doe, as trustee of the John Doe Trust, dated January 1, 2012.

The undersigned trustee(s) hereby declare(s) under penalty of perjury that the trust described above has not been revoked, modified, or amended in any manner which would cause the representations contained herein to be incorrect.

This certification is signed by all of the currently acting trustees who declare the above to be true and correct.

Dated: __________

__________________                ______________________

Signature of trustee                              Signature of trustee .

(Below is the notarial act, Acknowledgment to be notarized)

A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document.

STATE OF   ______________ }
COUNTY OF ______________}
On ________________before me , ______________________________________________Notary Public,
Date (here insert name and title of the officer)
personally appeared ____________________________________________________________
who proved to me on the basis of satisfactory evidence to be the person(s) whose name(s) is/are subscribed
to the within instrument and acknowledged to me that he/she/they executed the same in his/her/their
authorized capacity(ies), and that by his/her/their signature(s) on the instrument the person(s), or the
entity upon behalf of which the person(s) acted, executed the instrument.
I certify under PENALTY OF PERJURY under the laws of the State of California that the foregoing
paragraph is true and correct.
WITNESS my hand and official seal.
Signature: __________________________________(Seal)
_________________________ OPTIONAL _________________________
Description of Attached Document
Title or Type of Document: _______________________________ Number of Pages: ________
Document Date: ____________________ Other: __________________________________________________
Sacramento Spanish Mobile Notary Public Signing Agent, Sergio Musetti, Tel 707-992-5551; Apostille service in California, power



  • Trust: The legal relationship between one person, the trustee, having an equitable ownership or management of certain property and another person, the beneficiary, owning the legal title to that property.

Carmichael Mobile Notary 


Posted in Estate Planning, Mortgages, Notary, Real Estate, Sacramento, Sacramento Real Estate, Trusts | Tagged , , , | Comments Off on How to complete a Certificate of Trust

Estarer Laptop Messenger Bag

Estarer Laptop Messenger Bag

If you like roomy… this messenger bag will carry documents, camera(padded) or both and more… Sturdy material is a plus.

 This messenger bag is special made of WATER-RESISTANCE canvas, it’ll keep your gear from not heavy rain & snow.

Estarer bags are made of thick, durable materials with excellent quality.

LARGE MAIN COMPARTMENT with zip closure could fit 3 inch binder, separated laptop compartment for max. 17″ Laptop / Notebook. NOTICE: This messenger bag can accommodate up to 17 inches laptop, can not fit for larger computer.

ROOMY w/ Organizer Pocket: Practice and perfect constructed with various pouches included 2 x inner pouch, 3 x Front pocket(one organizer front pocket under the over-flap for your ID card, pen and key), 2 x Side pocket and 1 x Rear pocket;

Dimensions: 18.5 x 13.78 x 5.91 inch.

CARRYING&SECURITY: Adjustable shoulder strap and Top Handle take care of your carry comfortable; Velcro and Zip Closure make the bag safety.

DESIGN: The shoulder bag is particularly designed for college, high school and work, who need take laptop and other miscellaneous gear together, but it could also be used as travel shoulder bag, even if as dslr camera bag meanwhile with a padded insert bag.

NOTICE: There is one store that is selling bags under our this listing, please notice it is not our Estarer bag. our store bags all have the label of Estarer, and all materials are all customized.

As a mobile Notary Public I extensively use it for big document packages and as a photographer it will fit camera, flash, lenses, etc. Always bring it with me when traveling.

 FREE Two-Day Shipping with Amazon Prime.


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Apostille service in California

  How to order an Apostille.

1. Review your documents.

Make sure that if the document is notarized(power of attorney, carta de poder, business, personal, commercial, financial documents) the Acknowledgment or Jurat has the right information, and the Notary Public is currently commissioned by the California Secretary of State (check it at Notary Public Listing).

If the document is a certification ( certificate of birth, marriage, death, divorce, acta de nacimiento, certificado de defuncion, matrimonio, divorcio)make sure that it is no older than 5 years and it is signed by the County Clerk(not an MD, doctor).

If you need a current certification or one signed by the county official, go to your county to get a certified copy of that document or order it online (

Once your documents are ready for the Apostille call 707-992-5551 to complete the Apostille Request Form. It will include where you want to receive the legalized documents (to your United States address or to the country of destination).

If you need English Spanish translation (certified, notarized) please call. You can email the documents to start the translation right away.

The Apostille are processed the same day that we receive your documents.

2. Send docs to:

Sergio Musetti, Notary Public

4005 Manzanita Ave, #6-155

Carmichael, CA 95608

Questions?  Contact us.

You can also pay by credit card (phone), cashier check, Paypal(below), Western Union, etc.

# of Apostille Docs.

What is an Apostille?

An apostille or an authentication is a document that certifies the authenticity of the signature, seal and position of the official who has executed, issued or certified a copy of a public document. It allows a public document issued in one country to be recognized as valid in another country. Apostilles and authentications are often needed in adoptions, extraditions and certain business transactions.  An apostille is a certification form set out in a treaty called The Hague Convention Abolishing the Requirement of Legalization for Foreign Public Documents (1961). 

What does an Apostille do?

No need to go to your consulate if the country is a member of the Hague Convention (Mexico, Spain, Colombia, Venezuela, see the list of countries).  you can Apostille your documents and will be legal in the country of destination.

The object of the Apostille is to “abolish the requirement of diplomatic or consular legalization for foreign public documents”. The completed Apostille certifies the authenticity of the signature, the capacity in which the person signing the document has acted, and identifies the seal/stamp which the document bears.

Apostille service, California legalization of documents, same day service. Sergio Musetti Tel 707-992-5551 www.CaliforniaApostille.US

Read more:


           Example of Death Certificate signed for the county clerk with half Apostille seal.


Apostille reviews from Yelp


Sergio, went above and beyond to get my document where it needed to be and on time.  The first document I sent him ended up having the wrong authorizing signature.  He called me immediately and walked me through the County process on how to obtain the correct signature.  Great work ethic, attention to detail, and a sense of urgency to get the job done. Thanks Sergio..!   John A. Meadow Vista, CA

Within 24 hours, Mr. Musetti completed a transaction, which included documents in Spanish to be filed in Puerto Rico, that had stalled for over a year.  He is very resourceful, courteous in his manner, not easily flustered, and with a “can do” attitude.  And his language skills – both in English and Spanish – are tops.  I recommend him wholeheartedly.  Emma S. Redding, CA


Sergio is a gem! He is so friendly and knowledgeable. He has been a notary for several years and also offers Apostille service. I recommend him to anyone needing a mobile Notary, or a notary who is experienced in presenting and notarizing loan documents too.  Sheila M. San Jose, CA

Sergio is the best!  We called and he immediately was willing to help us out and guide us through what needed to get done!  Even with the distance between us (we are two hours away), he was happy to help us out and get the job done right!
Thank you, Sergio!  Marquel T. Santa Rosa, CA

Best&Fast!!! I found Sergio online and emailed him what i needed. I like him because he respond me really fast. I got my Apostille within a week. I recommend him to anyone needing an Apostille faster.  Dj J. Los Angeles, CA





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Writing, Translation.

                                Setup your professional listing now






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Quick ways to cut Energy Costs. Real Estate, Sacramento

Lyon Real Estate

November 2017

Lyon Real Estate

 Quick Ways to Cut Energy Costs

With cooler temperatures coming, energy costs inevitably will go up. There’s no need to throw good money away, however, when even small changes can make a difference in those monthly bills. Many of us don’t take advantage of many simple avenues to save money, according to a new survey from Only 14 percent say they unplug their home printer when it isn’t in use, and six in 10 consumers don’t shut down their home computer when it isn’t in use, both of which could result in hundreds in annual savings. 

Small projects
•  Sealing home air leaks is a project that can have a big payoff, cutting your home heating and cooling bills by up to 20 percent. 

•  Tune up the heating system. Neglecting your heater can cause inefficiency and costly (and inconvenient) failure. A thorough tune-up will include inspection of the gas valve, filter, belts, pumps, burners, thermostats, and safety controls as well as clean the blower, gauges and pilot light and any other minor adjustments. 

•  Consider switching to a natural-gas water heater (which uses less than half the energy of an electric one), and turn the setting down to 120 degrees.

Efficient Appliances
  •   Replace a top-loading washing machine with a front-loader, which generally uses 50 percent less energy and a third less water. Use delay-starts to run appliances during non-peak hours. Wash clothes on cold whenever possible.

• Downsize. Many of us hold on to older refrigerators or freezers for overflow items (usually in the garage or basement). These appliances are big energy consumers.

Taking Control of the Thermostat
  • You can save up to 10% each year on heating and cooling bills by turning back the thermostat 7°-10°F for 8 hours a day. • Homes are getting smarter and so are thermostats. Smart thermostats are wi-fi enabled and can adjust to lifestyle and daily schedules, provide track-able energy-use data, and allow you to control temps via smartphone. Nest, EcoBee, and Honeywell are among today’s top brands.  If you want to understand how to get the biggest bang for your buck, we recommend a professional home energy audit, which can help you pinpoint areas where your home is losing energy and which improvements will save you the most money.

Efficient Appliances

• Replace a top-loading washing machine with a front-loader, which generally uses 50 percent less energy and a third less water. Use delay-starts to run appliances during non-peak hours. Wash clothes on cold whenever possible.

• Downsize. Many of us hold on to older refrigerators or freezers for overflow items (usually in the garage or basement). These appliances are big energy consumers.

Claudia Vyhmeister  REALTOR®, ABR

Direct(916) 765-9730
Cal BRE#01393964

Posted in Carmichael, Home, Real Estate | Comments Off on Quick ways to cut Energy Costs. Real Estate, Sacramento


November 7, 2017                                                                    Apostille Service in California


Soccer World Cup: Germany and Brazil?

You’re throwing away the healthiest part of the avocado

House prices rising at fastest rate since the start of the year

20 Amazon tips to save you time and money
Facebook introduces a Messenger plugin for business websites

Trump lands in South Korea for nuclear talks about North Korea

Arts and Entertainment:
Weinstein scandal; Asia Argento, Rose McGowan.

 >>   read the News




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Advertising Marketing: Convert text into video


Article Video Robot (AVR)

(launched in 2009)

Aimed primarily at B2B marketing, this software currently ranks at #17,473 on Alexa, receives over 2.1 million hits per month and has generated million of dollars in revenue till date.

AVR is the original and highly acclaimed, fully-automated web-based software for converting text into video. With its extensive database, AVR provides a one-click solution for driving traffic to websites. It analyzes text-based articles and turns them into relevant, pre-programmed imagery, video, speech and sound, which can then be uploaded to blogs, social networking and video sites.

Create stunning marketing videos from any plain-text article in just 2 minutes!

Increase website sales and traffic with video marketing!
No camera or video editing required!

The world’s only software that can convert any plain-text article into a stunning marketing video with animation, music, graphics and a complete voice-over in just one single click!

          Watch videos  >>

Posted in advertising tools, articles writing help, Communications, creative, Marketing, video marketing | Tagged , , , | Comments Off on Advertising Marketing: Convert text into video

The Reality of Modern Banking.

The Reality of Modern Banking – Part 1

It has been many years since I have been able to walk into a bank and have someone recognize me as a customer.  Those days are gone, given over to the convenience of online banking and ATM machines.

Also gone, unfortunately, is the depth of banking experience a customer could expect from a retail banking employee.

Signature Authority on a Checking Account  A very common scenario in my business is an elderly client who wants her child to be able to sign checks on the household account “just in case” something should happen.

I understand what the client wants–someone who has signature authority on an account–not co-ownership of that same account.

Co-Ownership by a Child.  At least once a week I ask a new client to check with her bank to see whether the child she has authorized has been listed as a co-owner of the checking account, or merely someone who has the power/authority to sign checks on behalf of the account owner.  In the vast majority of the cases, the banks have erred, and have made the child of the account owner a co-owner of the account.

What Does That Mean?  When the client/owner of the bank account passes away, all of the funds in the co-owned accounts pass to the co-owner/child, regardless of what the client’s estate planning wishes are.  In some cases, the damage is minimal, if the co-ownership is on a small household account that has a low balance.  But I have seen serious damage done to a client’s estate plan when this misunderstanding resulted in all of the client’s wealth transferred on death to one child, completely cutting out the other children who would have received part of the inheritance through an established estate plan.

Wouldn’t the Child Be Obligated to Share?  No.   A co-owned account is exactly what it says–co-owned by the child who has been signing the checks for Mom.  That child is under no legal obligation to share those funds with others named in the estate plan.

Visit a qualified estate planning attorney for a check-up of your estate plan, and how your financial accounts are held.  It could save your family a lot of grief.




Posted in banking, Estate Planning, Estate Planning Attorneys, Trusts | Tagged , , , , , | Comments Off on The Reality of Modern Banking.

Coupons, deals. Carmichael, CA.

Sacramento Spanish Mobile Notary Public signing agent, Apostille, English > Spanish Translation. Se habla Espanol. Tel 707-992-5551


♥ Coupons – Deals. Carmichael.


Yelp: Add your business and get $5 coupon.

Wholefoods 9/9/2017

Bookworm.   $10 for $20 Deal    4949 Marconi Ave Carmichael, CA 95608  (916) 488-2102

iMasterTek iPhone, iPad & iPod Repair Services,     $5 for $10 Deal   6201 Greenback Ln Unit G Citrus Heights, CA 95621   Phone number (916) 847-5533

Carmichael Academy – Family Taekwondo      $20 for $50 Deal   5733 Marconi Ave Carmichael, CA 95608 Phone number (916) 979-9155

Parish Family Dental       $50 for $100 Deal     4005 Manzanita Ave Carmichael, CA 95608 Phone number (916) 484-7481

Gallagher’s Carpet Care $97 for $150 Deal (916) 300-9010

Merranda’s Salon & Spa $115 for $150 Deal 8300 Fair Oaks Blvd, Carmichael, CA 95608 Phone number (916) 515-9651

Lifeline Chiropractic $65 for $95 Deal 7220 Fair Oaks Blvd Carmichael, CA 95608 Phone number (916) 489-7246

Pulse Power Yoga $30 for $75 Deal 4261 Auburn Blvd Sacramento, CA 95841 Phone number (916) 365-2002

Lily’s Nails  $15 for $20 Deal 4150 Manzanita Ave Carmichael, CA 95608 Phone number (916) 979-1673

Better Health Chiropractic $79 for $160 Deal 5707 Marconi Ave Carmichael, CA 95608 Phone number (916) 489-5450

Quality Auto Sales $100 for $200 Deal 5011 Auburn Blvd Sacramento, CA 95841 Phone number (916) 331-4200


Carmichael Mobile Notary, also speak Italian and Spanish. . Tel 707-992-5551

Sacramento Mobile Notary Public, English Spanish Translation, bilingual certified Notary Signing Agent, Apostille service. Tel 707-992-5551

Sacramento Mobile Notary Signing Agent

Posted in Carmichael, Coupons, Discounts | Comments Off on Coupons, deals. Carmichael, CA.