Q: My wife’s boss has accused me of a conflict of interest. I am a self-employed notary public and my wife is a bank loan officer. For years, I have been notarizing signatures on her loan documents. To be clear, I do not notarize her signature, only
During a recent argument between my wife and her manager, he said this arrangement constitutes a conflict, so she must stop using my services. I offered to work through a notary company in order to avoid receiving payments from the bank, but he also rejected this plan.
According to state regulations, I am legally allowed to notarize documents for my wife’s employer. Since the bank has no written policy forbidding it, this feels like a personal vendetta. What do you think I should do?
A: Although this sudden change is understandably upsetting, you must try to view the situation with logic instead of emotion. Because this issue involves your wife’s employment, you don’t want strong feelings to cloud your judgment.
Keep in mind that an activity may be legal, but risky or unwise nevertheless. Even if state law permits using your services, the bank could still be reasonably concerned about what happens if these documents are ever challenged. While they may have no specific policy regarding notaries, there is undoubtedly a general prohibition against conflicts of interest. Directing income to a family member would typically violate such a policy.
Regardless of the bank’s interests, however, you need to consider what will be best for your wife. Since she has been arguing with her boss, problems may have been brewing before the notary issue ever arose. Challenging this decision could further strain their relationship and possibly jeopardize her job security.
The bank apparently regards this matter as settled, so you would be wise to do the same. If you continue to fight this ruling, you could wind up winning the battle, but losing the war.
Read more here: http://www.idahostatesman.com/2013/01/09/2405486/employer-may-see-conflict-of-interest.html#storylink=cpy
Oh yes.....it's that time of year again when we can take a moment to reflect. For entrepreneurs particularly, it comes down the the end of our fiscal year. As we sit by the tree tallying up all of our receipts for gas mileage, hotel rentals and other expenses, we begin to look at our progress throughout the past year and think; "Was this a good idea?" Was that trip to this conference effective?" "Was my meeting in LA productive?" And the list goes on.
Even deeper than reflecting on the entrepreneurial baggage, when the ball in Times Square and around the world drops to bring us into 2013, we affirm so many positive resolutions that we intend to carry. New principles and relationships that we create based on our reflections from the previous year, which ended the day before. So full of joy as we toast with the bubbly that this New Year will be our year. We assert the promises of building a bigger and better business with our new resolutions with the hope that we will keep our promise. But with every new year on January 1, three weeks later tends to start to sound stale. As if the first 90 days into the beginning of the year will dictate the rest of year. We stop talking about the new year and move into business survival mode.
We are just a few days away from embarking on a new year. For many entrepreneurs, every year brings new promise and new hopes for growth in business. I asked a few entrepreneurs to share the lessons they learned in 2012 and what they want other entrepreneurs to take from the experiences, good & bad, of 2012 and how to make progress in 2013.
1. Confidence Is Crucial!I transitioned from employee to entrepreneur this year. As an employee I was used to getting accolades and recognition - it's a confidence boost. Stepping out into the ocean of solopreneurs and entrepreneurs, you need the confidence to come from within. The lesson for me and others is to accept validation from others, but not be driven by it. There are times when you will have to champion your ideas, your business, your brand whether other people get it or not.
Thanks to Tai Goodwin of Launch While Working
2. Release, Declare And DecreeAs a christian visionary leader, empowerment speaker, and a multi-tasking mompreneur to 7 children. I've learned many things in 2012. Everyday has been a unique learning experience. I woud like to share something learned that will take you beyond measures in your life and as an entrepreneur. It is human nature to tolerated things and people, but if you want to grow, you have to release your divine decree for your life. You have to set a decree like you set a goal.
Thanks to Pamela Almond Hope of Empowerment For Success Personal Development and Business Services
3. Keep PushinI learned that just because God told you to do it, doesn't mean things are going to work out neatly and in order. If you read up on successful people they have mostly all went through a trial and tribulations. I learned to keep on pushin no matter how hard it got. Its Not over until you WIN!!!
Thanks to Terri Clay of Terri L Clay Enterprises
4. Don't Reveal All Your Entrepreneurial Secrets!You always learn new things even if you are a seasoned entrepreneur. I recently hired an intern to help me with my social media marketing. I provided her with tips on getting clients, ways to work efficiently and other business "secrets". Well, before I knew it she started her own business as competition to mine, and then wanted to charge me 3 times more for the same services. I learned a valuable lesson -- do not give away all your secrets when you hire someone -- they may become a competitor!
Thanks to Diane Castro of Young at Heart Communications, LLC
5. Taking Care Of Business = Taking Care Of METhis was a year rife with lots of UPs and DOWNs - primarily due to health challenges. I found that the more active and "successful" I became in the business - and the more I put aside my fitness goals, quiet reflection time, or time with family and friends because of it, the more likely I was to have a DOWN period afterwards. I'd get sick, injure my back, or not properly recover from a simple cold. In 2013 I'd encourage everyone to take time to take care of themselves FIRST, no matter what!
Thanks to Karen Clark of My Business Presence
6. Actions First...Feelings Follow!Actions First…Feelings Follow! If you feel that you aren’t where you want to be today, take action. Tomorrow will be no different from today if you do the same things you’ve always done. That old classic definition of insanity comes to mind here: doing the same thing over and over, yet expecting different results. Change happens TO you, transformation happens WITHIN. You may not feel like trying something different, do it anyway…your feelings will follow.
Thanks to Kelley Moore of See Your Possibilities
7. The Proper Way To NetworkOften times we all go out & exchange business cards or set up a website, then sit back & wonder why we do not have more business. The one thing that has been retaught to me in 2012 is the wonder of proper networking & the exchange of business referrals. Looking back in October I helped others do over a total of $350,000 of business conducted with none of this being with our company. So why do it? Have since been in various magazines for free which in turn will be an even bigger payoff in 2013!
Thanks to Tonie Boaman of Dash Notary, LLC
8. Anything You Create,you Must Be Willing To Tolerate.I've learned that quality is far more better than quanity. I have alwsys felt that
If you had more people supporting you then the more you would
have. I have now come to realize that I didn't need Devine connections only Covenant connections. There is.such a big difference. Devine Connections limits you from developing a relationship with others,but Covenant connections gives you friends and confidants for life.
Thanks to Phyllis Smart of Next level living
9. Merry-Go-Round No More... There comes a time in everyone's life when you decide its time to change EVERYTHING.
Nothing makes this more relevant that the dizzying ride of the same thing over and over. Stagnation is smothering.
This years end has allowed me a significant opportunity to embrace a change, a strategic model / formula for my success. I have leaped off the merry-go-round and plunged into a journey of reinvention and investment in myself...and My dream...EnVoi will prevail!
2013 is the year of getting paid!
Thanks to Dianne C Lemon of EnVoi Boutique
10. Implement NOW, Perfect LATERWhat I learned in 2013 was that to keep moving your feet NO MATTER WHAT! Don't let anything or lack of anything hold you back. EVERYTHING you need to be successful will be delivered to you if you just follow your faith and NOT your fear. I was able to get over my need to be a perfectionists in favor of execution. Not that I was never afraid, but that I made sure I kept my fear in check, followed my heart and chased my dreams. If I had to do it over I wouldn't do a thing differently. Now GO!
Thanks to Dawniel Patterson Winningham of Dawniel Patterson Winningham INTL
11. Your Community Reflects Who You Are, Choose WiselyThis year has been an incredibly busy year - writing my new book The Right T-Shirt and creating new online products but I would have never done it without the support of a great business community. So my tip for 2013 is to find yourself a supportive community who will back you all the way with whatever you want to achieve in 2013. People who not only think like you but also are willing to share information that is for the mutual good of all the community. We can't do this alone so don't!
Thanks to Jessica McGregor Johnson of jessicamcgregorjohnson.com
12. You Can't Want It More Than Your Client!I'm so passionate about supporting entrepreneurs in shining their light brighter than sometimes I want their success more than they do. It's a hard lesson - to see people's brilliance, obscured by 'paper dragon' obstacles and have to stand by while they try to figure out that they are focusing on their shadow instead of their light - the one that's CAUSING the shadow! My role is to hold the light so they can see their own... I am honored to do so. May they each do so in right timing. :+)
Thanks to Lynn Scheurell of Creative Catalyst
13. Simplify & Focus!We're all hit with 1001 different ways to market your business, be the next big name, etc. What I've seen more than anything is that with all these wonderful options, we get paralyzed and end up trying to do 100 things a little bit instead of being fully committed to just a small handful of great projects.
By spending your time and energy on being GREAT at one or two things, instead of "ok" on 50 we can really see massive forward movement in our businesses.
Simplification is the new cool!
Thanks to Ely Delaney of Your Marketing University
14. Letting Go Of Keeping Up!What I learned best in 2012 was the importance of what I call "Stopping the World" - early in the year - I had a huge personal crisis with my son that took a ton out of me energetically and emotionally and as the "Golden Goose" in my business who was down on my knees I needed to just stop everything for a while and regroup. Taking a two month retreat to the mountains & lake was just the Medicine that I needed to rejuvenate and come back into my world renewed. Self care is now my top prior
Thanks to Amethyst Wyldfyre of The Empowered Messenger
And Carol Sankar with The Millionaire Mindset Entrepreneurship Program™ for letting me repost this great information so all of us could glean this information!
As you guys know I try to help promote a few businesses a week to help you in your businesses ~ Today is about Patty Farmer with www.bizlinkglobal.com She is doing a special that is truly out of this world and if you take your business seriously please consider doing this package through her. A few of the details are in the photo! Call her or email firstname.lastname@example.org
I do not know about you but I am VERY excited to be attending the National Notary Conference in 2013. Think of the networking and knowledge we get to glean off others at the conference. Are you like me where if you attend a conference you make lifelong friendships? If so, please make sure to find me while your attending!
Here are the details:
Registration to our annual conference in Austin, TX is now open! Register today and save $100 off the regular registration prices. http://www.nationalnotary.org/conference/registration.html
The National Notary Association will hold its 35th Annual Conference June 2-5 at the Marriott Renaissance Austin Hotel. Austin promises to be an exciting destination for attendees with panels, workshops, and exclusive industry speakers.
As the official "Live Music Capital of the World" Austin promises a multitude of activities, restaurants, and nearby live events. For ideas on what to do in Austin, other than NNA 2013 of course, visit our Pinterest board here: http://bit.ly/WhatToDoInAustin
Save the date for the 'Notary Event of the Year' and plan to join us in Austin, TX!
The long-awaited approval by the Office of Management and Budget of the new FCC rules has today been published in the Federal Register. For those just tuning in, the FCC released a Report and Order in February of this year that made significant changes to its regulations issued under the Telephone Consumer Protection Act. These changes had implementation periods that were based on the publication of the OMB’s approval. Accordingly, the following timeframes now apply for implementation of the following rules:
• October 16, 2013 – Provisions requiring prior express consent be in writing for telemarketers employing predictive dialers to call cell phones
• October 16, 2013 – Provisions phasing out the EBR exemption related to prerecorded calls to residential lines (i.e., telemarketers have until 10/16/2013 to cease utilization of the EBR relationship as evidence of consumer consent to receive prerecorded telemarketing calls)
• November 15, 2012 – Provisions regarding calculation of abandonment rate (i.e., per campaign, successive 30 day measurement rule)
• January 14, 2013 – Provisions requiring an automated, interactive opt-out mechanism for prerecorded telemarketing calls and for abandoned call messages
Click Here for the FCC Report and Order Summary
Reason Interviewed: Randy's Success in NYC & his letter of introduction on LinkedIN is one of the best I have seen in over 10 + years.
Company: Keller Williams NYC opened in Manhattan less than 2 years ago. Today we have approximately 200 agents and we are still growing rapidly. We are the # 2 agency in the U’S. and aim to be # 1, both across our nation and locally. We DO try harder!
Title: Licensed Salesperson
First job: Working as a clerk on the American Stock Exchange at age 19.
Worst job: I can honestly say that I haven’t had something that could qualify as a worst job. After 30 years as a member of the American Stock and NY Mercantile Exchange’s, followed up by a real estate career that I love, I just can’t complain!
Best part of your job: Meeting people, the constant interactivity with new customers and clients make for a different type of day, every day.
Life Culture in the office: Keller Williams is such an agent centric organization that coupled with the endless educational and motivational opportunities they provide, that I could not be happier being under a corporate umbrella.
Management style: Easy and relaxed, but at the same time driven. I like to get a lot of work accomplished with a smile on my face.
Biggest pet peeve: Buyers who don’t realize that they can have an agent represent them at no cost, only benefit to them. The sellers agent owes them, the buyer only fairness while they owe the seller fiduciary responsibility. That means that anything a buyer divulges to the sellers agent that is material to the deal MUST be passed on to the seller. And the seller is paying the same commission regardless of whether the buyer has their own agent, so it will not result in a lower price paid for the apartment by both buyer and seller using the seller’s agent.
Strengths: Integrity, professionalism, character and experience. Add in an ability to understand the “numbers” of a deal stemming from 30 years as an Option Market Maker, and you pretty much have all the bases you need covered.
Weaknesses: Caring too much. As a veteran of the financial markets for so many years, I could see the fall that was about to take place in early 2008. I could not, in good conscience push any buyers to do a deal knowing full well that they would be underwater almost immediately. That resulted in a lot less deals done back then but my customers know when I say that I believe prices are about to rise, I really mean it. Short term loss for my business, but long term gain!
Family: I’m a single parent of a wonderful, beautiful, talented 14 year old girl. She also happens to be quite an athlete, placing 8th at this past summer’s USA Diving Nationals on platform for her age group.
Weekends: Like most real estate agents…..Work, work, work!
Reading Material: My emails LOL, board packages, and every now and then, on a vacation…a novel.
TV: I’m a certified News and Sports junkie.
Something people don’t know about you: How about one good thing and one not so good? Good: I have boxed in Madison Square Garden. Not so good: I have been knocked out in Madison Square Garden, LOL!
What’s next for your company? Helping Keller Williams blaze a trail to become the # one agency in NYC.
Best advice: There is a poem by Rudyard Kipling called “IF” I’ve tried to live my life by it and I would recommend it to all… http://www.poemhunter.com/poem/if/
Licensed Real Estate Salesperson
Keller Williams l NYC
425 Park Ave 6th Floor l New York, NY 10022
O: 212 838.3700 l C: 917.435.4870
So this week we are receiving the interviews back from folks who have expressed an interest!
Talk with you all later, Warmly Tonie Boaman, Editor of Dash Notary Express©
Tonie Boaman always finds others interesting! Please join me in learning about their businesses & personal lives.
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