Web/Tech Feed

Those Cables Underneath the Ocean that provide Internet Are Improving

The myths and rumors you may hear about where there are cables underneath the ocean that provide internet service throughout the world are actually true. Cool story of the day is that Microsoft is improving it's efficiency: http://www.zdnet.com/article/microsofts-subsea-speed-monster-a-cable-16-million-times-faster-than-your-broadband/

The Future of Tires

Michelin Tires has been working on Research & Development for 3D Printed tires. Since I have a background in this I found this particually cool. Very excited to see the future of tires and how it will disrupt the "Rim" industry and what new industries and jobs will be created when we have majority of tires being 3D printed vs. not. The only downside currently is the cost to make 3D printed tires as it will be a long time IMO when the cost of rubber tires exceeds the cost of 3D printed tires.

For reference and more information see this article:


Just be a good person - Richart Ruddie

Had one of the nicest compliments this past weekend. A new friend said "Chart do you know why I like you?"

"At the end of the day you're just a genuine person Richart Ruddie"

You're not looking for anything from anybody, you are just here to be happy and have a good time and if you can facilitate others to be happy as well then you do your part to ensure all others around you are happy.

I was telling a new friend as we shared a Lyft into the city about this interaction and he noted that it's great that you can showcase this without trying and others notice. In life I've blogged about making it and then mattering. I strive to reach a pinnacle and a second part of my life where I can matter in making the world a better place and helping to solve initaitves that really matter.

That is why I appreciate the Chan Zuckerberg initiative

"We want every child to grow up in a better world. Our hopes for the future center on two ideas: advancing human potential and promoting equality."

Use your power for good and be genuine and stop wanting something from everybody around you and then you will have found peace in yourself to grow as a human. 

Richart Ruddie in Binary Code

Richart Ruddie 

01010010 01101001 01100011 01101000 01100001 01110010 01110100 00100000 01010010 01110101 01100100 01100100

Richart Ruddie  Richart Ruddie  Richart Ruddie  Richart Ruddie  Richart Ruddie  Richart Ruddie  

Rich Ruddie in Binary Code

01010010 01101001 01100011 01101000 00100000 01010010 01110101 01100100 01100100 01101001 01100101

Rich Ruddie Rich Ruddie Rich Ruddie Rich Ruddie Rich Ruddie Rich


01010010 01101001 01100011 01101000 01100001 01110010 01110100 01010010 01110101 01100100 01100100 01101001 01100101


Chart Ruddie

01000011 01101000 01100001 01110010 01110100 00100000 01010010 01110101 01100100 01100100 01101001 01100101

What does Reddit Stand For?

A recent Reddit thread has some thoughts on what it would stand for if it did stand for something and here are some of the highlights:







(R.E.D.D.I.T.) Reason Everybody Doesnt Do Important Tasks

Read Endless Debates Devoid of Intelligent Thought

Read Everyone's Dumb and Delightful Internet Thoughts

Really elaborate discussions discussing irrelevant topics

Revealing Everyone's Deepest Darkest Internet Thoughts

Redundant Extrapolations Deduced & Discussed by Internet Trolls

Read. Evaluate. Deliberate. Decide. Instigate. Troll.


I personally love the Troll comments.

Richart Ruddie - To Be Deeper With You

Ever have certain sayings that you want out of your vocabulary? Certain sayings may affect you negatively and you may not even notice it. For example saying "To be honest with you" might imply that you are not always being honest. Do you want to work with somebody who is not always honest? So I make a conscience effort to say something different and last night heard "To be deeper with you" as an alternative.

Other sayings to avoid: "I had a stressful day" avoid setting off these poisonous sayings that breed negativity and think positively.

-Richart Ruddie

Restaurant Tonight - It's Restaurant Roulette With Uber

Thank you for downloading Restaurant Tonight. Our application gives you the opportunity to play Restaurant Roulette to find a restaurant to eat at tonight and you get to ride there with the well known Uber application. Please provide your feedback, questions, or comments below and we will have a support representative reach out to you right away.


Screen Shot 2016-02-25 at 6.08.41 PM

For those of you who have downloaded the application and given us great feedback I wanted to extend a special thank you. This is a really cool concept that takes the choice out of picking a place to eat dinner at tonight.

Follow the rest of my posts and entrepreneurial adventures here @ my Richart Ruddie Typepad Blog.

Notarize App Issues

A recent Product Hunt feature on a really cool and innovative idea called Notarize has hit headlines recently. When showcased to friends within my network I was forwarded an email as seen below on some of the Legal issues with the Application. The biggest issue is that it's not seen as a valid notarization by the courts in which it is deemed for.

"legal framework in most states hasn’t caught up with this technological innovation.   The validity of a Virginia or Montana remote notarization for real estate transactions in other states has not yet been confirmed by the courts":

Emailed information seen verbatim below:

To: All Policy Issuing Agents of WFG National Title Insurance Company

From: Underwriting Department

Date: February 19, 2016

Bulletin No. NB2016-02

Subject: Web Cam Notarization





A number of our agents have received advertisements from web and app based services that purport to allow a Virginia Notary to “remotely” notarize any document for anybody, anywhere. This is based on a 2011 Virginia law that allows its notaries to make use of video and audio technology on the Internet to confirm identities and allow a party to have their signature notarized without being in the physical presence of the notary.  A similar, but more limited law, was adopted in Montana in 2015. [1]  Some of these advertisements represent that their notary service is valid in all 50 US states and the District of Columbia.

Unfortunately the legal framework in most states hasn’t caught up with this technological innovation.   The validity of a Virginia or Montana remote notarization for real estate transactions in other states has not yet been confirmed by the courts.   Legislatures or officials in Arizona<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct1_0/1?sid=m4dUyYii1>, Arkansas<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct2_0/1?sid=m4dUyYii1>,  California<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct3_0/1?sid=m4dUyYii1>, Colorado<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct4_0/1?sid=m4dUyYii1>, Connecticut<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct5_0/1?sid=m4dUyYii1>, Maine<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct6_0/1?sid=m4dUyYii1>, Nevada<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct7_0/1?sid=m4dUyYii1>, New Hampshire<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct8_0/1?sid=m4dUyYii1>, Iowa<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct9_0/1?sid=m4dUyYii1>, New Jersey<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct10_0/1?sid=m4dUyYii1>, North Carolina<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct11_0/1?sid=m4dUyYii1>, the Northern Mariana Islands, Oklahoma<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct12_0/1?sid=m4dUyYii1>, Ohio<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct13_0/1?sid=m4dUyYii1>, Oregon<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct14_0/1?sid=m4dUyYii1>, Rhode Island<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct15_0/1?sid=m4dUyYii1>, West Virginia<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct16_0/1?sid=m4dUyYii1>, Wisconsin<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct17_0/1?sid=m4dUyYii1>, and Utah<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct18_0/1?sid=m4dUyYii1> have expressly declared web cam notarizations unacceptable in their jurisdictions.  While not specifically prohibited in other States, “remote notarization” is not authorized in any states other than Virginia and Montana.

In many states, if a deed, mortgage or deed of trust is not properly notarized, it is ineligible for recording and/or even if recorded may not provide “Constructive Notice” to a subsequent purchaser or lender.   Both of those outcomes have the potential to lead to a policy-limits claim.   To date, there have been no reported cases construing remotely notarized real estate transactions.



[1] This Webcam Notarization is not the same as electronic notarization (commonly called eNotarization). With an eNotarization, the documents and notarial certificate are in digital form; the signer and Notary both sign digitally, and are in the physical presence of one another.  WFG agents may rely on eNotarization for any instrument, after confirming that the recording office is able to receive it.


The Underwriting Standards:

Until the law catches up with the technology in all states, or we have a definitive Federal Court ruling, WFG agents SHOULD NOT use any of the web cam or remote notary services that does not require the party being notarized to be in the physical presence of the notary to execute and notarize any insured deed, mortgage or deed of trust, or any corrective instrument or other instrument which will form a part of the chain of title of an insured property.   With the lender’s approval, documents which will not be recorded or form part of the chain of title may be executed and notarized using such services.

WFG will rely on the remote notarization statutes in Virginia and Montana ONLY where all of these conditions are met:

1.     The Notary and person whose signature is being notarized are both physically located within either Virginia or Montana at the time of execution.

2.     The affected property is entirely within the state (either Virginia or Montana) where the notarization occurred.

3.     The planned use of the remote notarization service has been discussed in advance your WFG underwriter.  There are very specific technology requirements for a valid remote notarization that must be confirmed and documented.


If your search indicates that an instrument back in the chain was notarized remotely or electronically, please contact your WFG Underwriter before agreeing to insure based on that instrument.


Please click on the link below to obtain a downloadable version of the National Underwriting Bulletin.

National Underwriting Bulletin No. NB2016-02<http://willistonfinancial.actonservice.com/acton/ct/16335/s-00b5-1602/Bct/l-0068/l-0068:7d/ct19_0/1?sid=m4dUyYii1>

NOTE: This Bulletin should not be interpreted as reflecting negatively upon the character of an individual or entity mentioned herein and is for the sole purpose of establishing underwriting positions and policies reflecting WFG National Title Insurance Company’s best business judgment. The information contained in this Bulletin is intended solely for the use of employees of WFG National Title Insurance Company, its title insurance agents and approved attorneys. Disclosure to any other person is expressly prohibited unless approved in writing by the WFG National Title Insurance Company’s Underwriting Department.

The Agent may be held responsible for any loss sustained as a result of the failure to follow the standards set forth above.