What is Notary E & O?

A notary public is an appointed position by the Secretary of State’s department in a given state. Just like most public officials, the State requires that the person get a surety bond prior to getting their appointment. This bond “makes sure” that when the official violates the public trust through neglect of their responsibilities, funds are available to reimburse the State for its loss.

The principal duty of notaries public is to validate that the individual parties to a contract are who they claim to be. The State may experience a loss if the notary forgets to properly ensure the identity of the parties.

As a public official, the notary causes harm to the public trust by failing in their duty to confirm identity. If a Texas notary public doesn’t confirm identity and a loss occurs, an injured party can file a claim against that State for the loss, because the State was negligent through its appointed representative.

A surety bond is a promise to pay to the obligee (the State) when losses occur for a penalty amount of the bond. Notary bonds are generally provided by a surety company (typically an insurance carrier). The bond generally runs concurrently with the term of the notary’s commission.

You’re probably familiar with a homeowners insurance policy. When you have an Indiana home insurance loss, the insurance carrier pays the claim and writes off the loss. You aren’t required to reimburse the company for the loss. Unlike a home insurance policy however, a notary bond is simply a promise that the finances will be available should losses occur. The surety (insurance company) pays the State up to the penalty amount of the bond. However, this claim paid by the carrier is not simply written off. The surety will most likely seek reimbursement from the bonded party, the notary themself.

A notary bond protects the public. Who protects the notary? Insurance coverage is available to provide this protection – it’s called Notary Errors and Omissions and can also be obtained for a nominal fee from insurance companies.

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Shaving is a real pain

Shaving is something that men have had to do for a long time. It’s just something we have to do.It’s just one of life’s little daily jobs. But there’s a right way and a wrong way to shave.

When you wet shave you are supposed to move the blade in the direction of the hair – not against it. You have to go with the grain, so to speak. Now that’s all well and good, but for many men it’s difficult to get a really close shave without going against the grain.

So what about using an electric shaver? Is that any different? Well, using products such as Philips HS8060 you can get a very good, clean shave. And since it uses a special moisturizing system your face will feel pretty good afterwards, too. But even with an electric shaver you still have to follow a few simple rules.

Using something like the HS8060 you need to make sure your face is clean before shaving. Sounds obvious, right? Wrong! Many men shave with a dirty face, figuring that the shave will clean them. Clean your face first, before shaving.

Next, when you first switch to an electric shaver, give yourself some time for your face to get used to it. You probably won’t get the best shave the first few times, that’s for sure. Over a few days your face and beard will adapt to the new shaving process. For some men it mght take a few weeks, so don’t give up too soon.

And don’t push hard against your face like you’re mowing the lawn – that won’t give you a closer shave and it will irritate your skin. Let the blade glide over your face, almost floating. You’ll find you get a suprisingly good shave that way.

The built in moisturising system on the HS 8060 keeps your skin supple while you’re shaving and that’s important for a close shave too.

If you’ve had enough of wet shaving, why not consider one of the new breed of electric shavers? You might find you get just as good a shave with one of the modern top of range shavers. And your skin will thank you for it too!

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