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"consumerismcommentary", "is_initial_load": true, "is_authenticated": false, "timestamp": "2009-11-29_01:38:28", "remote_domain": "", "page": 1, "is_moderator": false, "display_username": "", "points": null, "subscribe_on_post": 2, "moderator_can_edit": false, "is_remote": false, "is_verified": false, "missing_perm": null}, "realtime_paused": false, "posts": {"21301415": {"up_voted": false, "ip": "", "has_replies": false, "message": "You sound a lot like me.  I haven'ttaken the LSAT but I have considered law.  I am planing on taking the GMAT though and am in the process of finding a new employer that will pay my way through business school.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-12_12:16:36", "killed": false, "user_key": "5abbe9c1da262d74a5537c18068ac50e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/12/2006 12:16 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301416": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hey Flexo, here are some of the negatives of being a financial advisor, especially if you are with a firm like Merrill vs an independent. They want you to gather money and put in with money managers. They don't really want you picking stocks etc...to much liability.Tremendous pressure to produce-make big numbers or else. I retired because they wanted every speech I gave to be approved by the compliance dept.You can make a very good living but there are trade offs! Good Luck", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-12_13:14:13", "killed": false, "user_key": "52717774f971ffe4b09eded1a237cfac", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/12/2006 01:14 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301417": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hahaha... they ranked Software Engineer as #1. It feels more like #1 million to me today. Ah well.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-12_13:42:26", "killed": false, "user_key": "5186531f05720fa6b8e726ba104a36da", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/12/2006 01:42 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301418": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, I was excited to read this article until I saw that they ranked \"college professor\" as the second best job. <br><br>That shot their credibility all to heck.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-12_14:37:41", "killed": false, "user_key": "716299c64cd4909ec3ce576314e01ef4", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/12/2006 02:37 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301419": {"up_voted": false, "ip": "", "has_replies": false, "message": "The college professors I know are all extremely satisfied with their jobs.  Sometimes it takes a certain kind of person, though.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-12_14:48:01", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "04/12/2006 02:48 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21301420": {"up_voted": false, "ip": "", "has_replies": false, "message": "Wow!  Another new design, Flexo?  I liked the last one.  This one is fine... but that one had a certain character to it that was nice.<br><br>Anyhow, I feel about the same way about everything I have been doing for my career.  Throughout my entire childhood (well, since I was eight and cared) I wanted to be an architect.  I took drafting classed, loved to learn about carpentry, took shop classes, and I designed houses in my free time.  When I was 14 I taught myself HTML, and somehow landed a job straight out of high school doing light support and web development.  That somehow migrated to network administration, and I have been doing that since.  I am an MCSE, and I am about to graduate from business school majoring in Information Systems.  I thought about minoring in Music and maybe getting a MA in Music.  However, for a couple years, my plan has been to do an MBA or MBA/JD.  I am thinking I will do them seperately, though.  Indiana University has an online MBA program that you meet one week per year (all two years...) onsite.  It is very expensive... ~$800/credit hour... but I can probably get my employer to cover most of it.  They are a top 25 MBA school, which matters to some of the big boys... but not so much to others.  However, I do not really even want to work for anyone, so I don't know why I care.  I will probably do the JD at IU as well, as they rank highly, and it is in town at the Indianapolis campus.  I always wanted to go to Notre Dame, for architecture, but it is almost in Michigan, and it is very expensive.  My best shot would be the MBA, as they have an Executive MBA program that meets three days a month, but you need a few years of managerial experience already... and the extent of my managerial experience includes a year at Burger King, and a year at MSN in the tech support department.  I highly doubt that would work for me.  So, it looks like it is IU for me.<br><br>As far as MoneyDummy said, those other results have me questioning the credibility of the article as well.  If you have a PhD or something, they make good money and get plenty of time to research things they enjoy... but beyond that, you would have to be a very liberal person to enjoy the internal politics of a university... and I am pretty much the anti-thesis of that.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-12_15:49:20", "killed": false, "user_key": "e47fabc4efb48e992ffb1ce12aa2f017", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/12/2006 03:49 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301421": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hey Flexo,<br><br>I was looking at taking a course or two just for fun and discovered that UCLA offers CFP certification classes online - finish the program and you're eligible for the exam. Just thought you might be interested. Good luck with the new job!<br><br>Cathy", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-14_10:34:50", "killed": false, "user_key": "cf52d85b81e4bfaaa39ee142f25e8b4e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/14/2006 10:34 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301422": {"up_voted": false, "ip": "", "has_replies": false, "message": "There are some major differences between a Financial Advisor who pushes product, a Financial Advisor who practices financial planning, and a Financial Planner (I could keep going with these descriptions).  The Money Magazine highlight comes up short on describing what exactly they are defining as a Financial Advisor and how that supports the #s they are giving.<br><br>What exactly are you looking at doing as a financial advisor/financial planner, Mr. Flexo?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-16_10:55:40", "killed": false, "user_key": "37ec6e99fe0cc11b73429165f9d14a00", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/16/2006 10:55 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301423": {"up_voted": false, "ip": "", "has_replies": false, "message": "I've also been interested in going into financial advising/planning.  The one worry I've had about going into the field of financial advising is all the conflict of interest problems in that industry.  I think if I ever do decide to go into financial planning, I'll have to do it under my own terms by starting my own business.  Maybe it will be my second career.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-16_16:29:49", "killed": false, "user_key": "ca39e9aec4c59939c24a0ac711ea9738", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/16/2006 04:29 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301424": {"up_voted": false, "ip": "", "has_replies": false, "message": "I read this article, too, and my first reaction was also \"Hey! Maybe I could be a financial advisor.\" I went so far as to discuss the possibility with my wife (who made supportive noises). I love dealing with people. I'm interested in the topic. I'm smart. But: I have no background in this (other than personal education), and I have a hunch that my idea of what a financial advisor is and does is completely different than reality.<br><br>If I were a financial advisor, I'd want to teach people to pay off their debts, help them learn to save, instill good money habits. Learning to invest is certainly a piece of this, but it's not the only piece, and I suspect that's the primary focus of financial advisors. What's more, I'm willing to bet that financial advisors are required to shill for the comanies that employ them, and that would kill me. I don't want to be a salesman. I want to teach people good financial skills. Goading them into buying my investments is just shifting bad habits to my favor (or the favor of my company).<br><br>Still, I'm going to take a deeper look into this...", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-17_11:39:07", "killed": false, "user_key": "03754464402edc8279f16572f5ea9af3", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/17/2006 11:39 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301425": {"up_voted": false, "ip": "", "has_replies": false, "message": "To answer Financial Fruition's question, and to address some of the issues here, I'd be more interested in working the way a psychologist works, guiding people along a path to financial freedom, explaining the options and teaching how to make decisions, and not pushing any particular product.  That means no commissions, but that would be fine.<br><br>It would mean working for myself (though possibly not at first) to make sure I'm not tied to any specific company's products.<br><br>My thoughts are along the lines of J.D.'s above.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-17_13:32:22", "killed": false, "user_key": "flexocc", "has_been_anonymized": false, "edited": false, "author_is_moderator": true, "from_request_user": false, "votable": true, "date": "04/17/2006 01:32 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": true, "is_realtime": false}, "21301426": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo, if you are interested in how people think about money and addressing the underlying mental issues that cause a financial decison making dysfucntion, think about becoming an LCSW too. I have thought about getting an LCSW and CFP combination since being a CFP is a lot about counseling people to make better financial decisions.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-17_14:51:49", "killed": false, "user_key": "75aa648268cfc91dd0d9226d3eb7a0d7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/17/2006 02:51 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301427": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo, I would seriously look at Fee Only Financial Planning firms, where you could get your feet wet.  This seems to be the type of Financial Advising you are talking about.  Your compensation is based on an hourly rate, net assets, etc.  It is not tied to any financial product you recommend.<br><br>A good source for reading up on financial planning is at the boards of <a href=\"http://financial-planning.com\" rel=\"nofollow\">financial-planning.com</a> (<a href=\"http://www.financial-planning.com/phorum/index.php\" rel=\"nofollow\">http://www.financial-planning.com/phorum/index.php</a>)<br><br>Good luck!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-18_18:33:45", "killed": false, "user_key": "37ec6e99fe0cc11b73429165f9d14a00", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/18/2006 06:33 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301428": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo, a couple of points.  First the average \"salary\" that they mention is not a base salary, it is the average earnings of financial advisers.  I have worked in this industry for nearly ten years for a few firms, and no one who works in client advisory makes this as a base.  If you are a financial analyst for a mutual fund or hedge fund, perhaps.  But even then your pay is tied to assets and performance.<br><br>I agree that working for a fee only planning firm is the way to go.  If you are sales averse, however, this is not the profession for you.  Before you can advise a client, they must trust you enough to agree to pay you in some form.  That is sales.  There are so many people in this industry telling people that they are financial advisers, when in fact they may be insurance salespeople, stock brokers or mutual fund or annuity salespeople that the masses do not know what to think or whom to trust.  You can tell them, \"but I'm a fee only planner, I'm the one you can trust.\"  But the other guys are saying other things and convincing the people to trust them.<br><br>The income potential is high, the flexibility is nice, but yes, it is stressful.  Clients expect performance and top service.  If you don't deliver, there are a thousand waiting in the wings.  Clients can be fickle.  One client expects you to outperform the market, the other expects you to outperform his brother who got lucky dumping a bunch of money in a gold fund a year ago.<br><br>If you are serious about it, go for the CFP.  See my post on how to become a CFP. You can start the process by taking the classes.  Even if you complete the classes and pass the comprehensive exam, you cannot call yourself CFP until you have two years of advising clients.<br><br>Good luck, let me know if you want any further advice.  If you have any specific questions, you can email me at lamoneyguy (at) <a href=\"http://gmail.com\" rel=\"nofollow\">gmail.com</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-18_23:38:31", "killed": false, "user_key": "8ec4806b2d68a3497dff04150da5969f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/18/2006 11:38 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301429": {"up_voted": false, "ip": "", "has_replies": false, "message": "You might periodically review the types of questions that financial advisors answer over at <a href=\"http://mechanicsofmoney.com\" rel=\"nofollow\">mechanicsofmoney.com</a>, to see if you might be interested in doing this kind of work on a day to day basis.  Personally, I love the job and I think Money may have messed up (being a financial planner should have ranked number one...).  <br><br><br>Gary", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-21_17:38:20", "killed": false, "user_key": "23435cf2c6a83f443a0003a9ad1e68e8", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/21/2006 05:38 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301431": {"up_voted": false, "ip": "", "has_replies": false, "message": "Having been an advisor and having attained the credential of portfolio manager over the last 8 yrs at two of the top wirehouses, I can say with conviction that you are only as good as your conviction and ethics.  I swore that I would quit the day that I was told I had to push anything.  I only use independent research firms and my own due diligence to make investment decisions for myself and my clients.  For all the bad press that is out there regarding \"full service\" brokers, there are about 25% of us that make a good living while improving the lives of our clients and their families.  Like so many things in this crazy world, if you are honest, hard working and ALWAYS put your client's interest first; you can make a great living and really help those that are not able to manage their own money.  Just my 2 cents.<br>Good luck<br>Jim", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-22_00:26:31", "killed": false, "user_key": "19bc68b86eb57506cf70d08c2629470b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/22/2006 12:26 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301432": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am a CFP(R) and started my career (and worked for 11 years) with two of the largest brokerage firms.  If you have high ethical standards (most of the people I worked with did) there should be no conflicts--just do what's right.<br><br>My career has evolved and now I run the financial planning offering for a fee-based wealth management firm.  We are currently only offering planning for our investment management clients and charge between $2500 and $5000 for a plan, depending on its complexity.  I love what I do, it's challenging and rewarding.<br><br>Anyone considering becoming certified as a financial planner should keep in mind that one of the requirements is 3 years experience in the business.  The curriculum and exam preparation can also be quite expensive.  Find an employer who will help pay some of the costs.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-22_14:43:35", "killed": false, "user_key": "a13b8be4520db7cce81371122fa7f52b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/22/2006 02:43 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301433": {"up_voted": false, "ip": "", "has_replies": false, "message": "I've been a financial advisor, and am now a college professor (never did software design, though).<br><br>The biggest downside to being a successful advisor is then first few years - your services are seldom \"bought\" initially - they're usually sold. SO, the first few years involves essentially selling yourself.  If you don't have a salesman's (or wonman's) personality and a REALLY thick skin, it's not an easy thing.  However, once the business is built, it's pretty good.<br><br>As for being a \"perfessor\", I'd disagree that it's that high on the list - it should be HIGHER. It's different for different fields, but I think being a finance professor is at the top of the heap (other may differ, but they can make their own comment).  There are lots of jobs and you spend your days asksing (and answering) interesting questions (at least if you;re at a research school). You get to teahch people about something you find really interesting.  And best of all, they pay you extremely well (at better schools the starting pay is around $105-120K+ a year. <br><br>The downside is that you need a Ph.D., which almost always involves minimum of three years (and more likely 4-5) of post-MBA work, a lot of extremely difficult coursework (math out the yazoo), and writing a dissertation.  But if you make it through those hoops, I think it's about the most fun you can have with your clothes on.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-22_20:46:45", "killed": false, "user_key": "3ca132abc3687e9c9838f67301fc9e7a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/22/2006 08:46 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301434": {"up_voted": false, "ip": "", "has_replies": false, "message": "It took me a while to zoom in on Political Science as my major. I have a variety of interests as well. I'm going to grad school, gotta max the GRE, but I've considered double majoring in Business Administration or picking up an MBA. They're so useful. <br><br>Eh, who knows. A career as a financial advisor could be rewarding. And you'd have great insight to write personal finance articles!!!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-04-23_20:23:25", "killed": false, "user_key": "1340d1d238bc68b887b784eb40072c8e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/23/2006 08:23 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301435": {"up_voted": false, "ip": "", "has_replies": false, "message": "Flexo,  I am in the same boat as you.  I have been a software quality assurance analyst for just short of nine years now.  I have had a few different employeers.  However, I have never found much enjoyment in this profession.  Especially now that good jobs are harder to find and salaries are going down.<br><br>It became so depressing to me, that I found a psychologist that deals with people who have career issuse.  After speaking with me and having me take some interest inventory, she seemed to think I should look into becoming a Financial advisor.  Even before the Money magazine article.  Now I am facing the issue of finding more info about how to get into this field.  <br><br>Also, I am thinking about going back for my MBA.  It was useful when I was a consultant, but not much as a 'desk junkie QA'.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-05-09_17:35:49", "killed": false, "user_key": "aff9e69d58c3989a0caf38f2fdd918bd", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/09/2006 05:35 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301436": {"up_voted": false, "ip": "", "has_replies": false, "message": "Downside to being a financial advisor?   <br><br>The emotional and financial rollercoaster that comes with any sales job.  <br><br>You've got to sell stuff (mainly yourself) but you've got to sell a product and/or a service...otherwise, you can kiss that six figure income goodbye.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-13_14:08:24", "killed": false, "user_key": "38d0f5198ba670f9f60e749d5a2ef9da", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/13/2006 02:08 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301437": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hey Flexo,<br><br>Lamoneyguy makes some good points in his comment.  When you decide to be a financial advisor, you have to consider how you want to specialize.  You mentioned that the \"psychologist\" aspect of advising appeals to you.  You'd be surprised how few advisors are good at reading through the lines and understanding their clients.  Many advisors have a financial way of thinking and aren't all that good with people skills.  The problem generally comes up onnce you manage enough money to make a living- and you find yourself less interested in meeting with clients and more focused on gathering assets.  Working for an independent firm is, in my opinion, a good idea, and becoming a CFP never hurts.  I wouldn't say to work on a \"fee-only\" basis b/c sometimes, believe it or not, clients prefer to pay on a commission scale.  You might as well give yourself the choice to do both. Regards.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-09-19_11:58:42", "killed": false, "user_key": "29da016a5af428a08c2ff3000b46ec40", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/19/2006 11:58 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301438": {"up_voted": false, "ip": "", "has_replies": false, "message": "Some of the big firms such as Merrill, UBS, and Morgan Stanley seem to be constantly looking for financial advisor trainees. They usually offer a base salary and comprehensive training.  Does anyone know anything about these positions (positives and negatives)?  <br>Thanks,<br>Mich", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-10-11_14:35:49", "killed": false, "user_key": "e2ceae273172df96998be6cf332c280b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "10/11/2006 02:35 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301439": {"up_voted": false, "ip": "", "has_replies": false, "message": "Well, if I am looking at the same article, I guess I am in the #1 career listed.  I earn in excess of the 'average' listed and I suppose that should be 'good' but money isn't everything.  After 12 years of software development, I am sick of it.  Like Flexo, I have considered financial consulting and stumbled across this site.  The real problem is how to walk away from a job making decent living to start over in a career when you have a family. The course work in a certificate level program takes 18 to 24 months.  You then still have to pass the CFP exam and gain 3 years experience.  I guess it all depends on how bad you want to do something but that is a lot to go through.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-11-07_15:52:16", "killed": false, "user_key": "3e5db13db45536a809eb275563e53f0a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/07/2006 03:52 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301440": {"up_voted": false, "ip": "", "has_replies": false, "message": "Words from an old man - When I was younger [18], an older man told me to always pay myself first. I followed his advice and today I live very well. It makes me very sad today when I talk to my older friend who did not follow his own advice. He still lives from check to check. So pay yourself first, invest, and if you lose a little, it's OK. Just keep going. After 10 or 20 years, it will add up.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-11-16_08:22:12", "killed": false, "user_key": "9623a0c3ba086f8b6aec64615a5748ba", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "11/16/2006 08:22 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301441": {"up_voted": false, "ip": "", "has_replies": false, "message": "I go to the Financial Advisor Symposium every year in Las Vegas and I find it to be a big help!!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2006-12-27_14:12:41", "killed": false, "user_key": "d9d12a77dc84a77aabeb10ad430beda2", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "12/27/2006 02:12 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301443": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hi -- lIke many of you, I am considering becoming a financial advisor. I have a super extroverted personality, love talking and being with people and am high energy. Also, I just completed a MBA. <br><br>I too am suspect since it seems all the big companies are offering these training programs -- I have to wonder,\" What's the catch?\"", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-03-01_21:28:20", "killed": false, "user_key": "1d82c6e87cc14cf97d561cc497e329a6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/01/2007 09:28 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301444": {"up_voted": false, "ip": "", "has_replies": false, "message": "There are some very interesting points made in the previous comments.  Although I've been told on many occasions I should be a car salesman, I too am not interested in pushing stocks and funds (outside interests) on anyone.  My interest lies in teaching/guiding people how to manage their income, assets, etc so that they can establish very little debt and achieve independent economic success (large net worth).<br><br>Can anyone tell me if having a degree is required in addition to the CFP?  <br><br>I do not have a college degree.  However, I served seven years active duty Army from 94-01 and have a very likable personality and strong work ethic.  Since leaving the Army in 01, I have achieved the six figure income I dreamed of while not enjoying the job (computer work) and living in Northern Virginia.<br><br>I've recently given up the six figure income and relocated to Oklahoma City for a better quality of life.  People here just seem to be more real.<br><br>I enjoy crunching numbers and analyzing different strategies on how to best make my money work for me.  I drive my wife nuts!  <br><br>At any rate, any additional information on how to move forward with pursuing this profession will be greatly appreciated.<br><br><br>Cheers,<br>Chad", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-03-06_09:02:10", "killed": false, "user_key": "3bc8165ef4919a3ab0fdfec4a734ec54", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/06/2007 09:02 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301445": {"up_voted": false, "ip": "", "has_replies": false, "message": "Chad,<br><br>I may be mistaken but ANYONE can call themselves a \"financial advisor\" and if you can find anyone to pay you for your advice/services, you are in the business.  I am considering this line of work down the road when I retire in a maximum of 10 years.  I want to be at the point where I don't need the money and will do it because I enjoy it.  <br><br>I am not a salesman but would enjoy helping people (by word of mouth) build a plan for low cost.  A lot of this stuff is not rocket science and there's a niche of people that don't need a professional (CFP) to work with them.  I'm not willing to put the work/expense into what it would take for that (CFP) but I possess a lot of personal experience that I feel I can share with certain folks.  Unfortunately, if you have to make a living off of financial advising, it will take more than the casual effort I'm prepared to give.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-03-16_14:54:45", "killed": false, "user_key": "47cf6ad111259e1a51dbe11c1ce3931d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/16/2007 02:54 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301446": {"up_voted": false, "ip": "", "has_replies": false, "message": "#3 job?  they must not be doing a good job, otherwise they wouldn't have had to do the bankruptcy reform that happened in 2005 in BAPCPA law.  General personal finance should be taught in high school.  Drop the home economics and teach these kids how to balance a checkbook, how not to spend what they don't have, and how to live within their means!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-03-29_21:50:47", "killed": false, "user_key": "7477a744831f667e679a8cdec0c93a15", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/29/2007 09:50 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301447": {"up_voted": false, "ip": "", "has_replies": false, "message": "I just wrote something similar to this -  we're similar in our conclusion and desires (but you're much more closer to the point I want to be).<br><br>I'm still working towards my degree in Finance, if I ever get to the point of a CFP I'll let you know :)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-04-13_09:38:06", "killed": false, "user_key": "934f0f33ab0dd812ba4a8b326cb41194", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/13/2007 09:38 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301448": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hello.  I am 31 years old and will be graduating with my MBA in December.  I have four children (young ones) and am looking to return to the workforce after being off for a year and a half.  I have fourteen years of accounting experience and am wondering if I should become a financial advisor.  I do not have ANY sales experience but I am a likealbe person and a very hard worker.  I interviewed with Merrill Lynch and have been given the opportunity to go through their training program.  I am not sure if this is what I want to do.  I need advice.  I want to know if anyone has worked for them and also if this is the best company to go through?  I also am curious to what the actual job entails?  How many hours do I really have to work over 40 and would working my forty plus maybe a Monday night and Saturday morning would do?  Also, would it be more feasible to just go get a job or do this?  Any advice would be greatly appreciated?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-04-24_22:47:40", "killed": false, "user_key": "08be3d29187eb89dbfc1fe46f8277e3b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/24/2007 10:47 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301449": {"up_voted": false, "ip": "", "has_replies": false, "message": "Can someone tell me what the difference is between these three credentials and also which one makes the most money and which one is the hardest job?<br>a CFP, a ChFC or a PFS (Personal Financial Specialist).-thanks :)", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-04-24_23:21:05", "killed": false, "user_key": "08be3d29187eb89dbfc1fe46f8277e3b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/24/2007 11:21 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301450": {"up_voted": false, "ip": "", "has_replies": false, "message": "From my (very limited) research:<br>CFP is Certified Financial Planner.<br>Est. income: ~$60k<br><br>ChFC - Chartered Financial Consultant has a higher income (according to one site) of 51%.<br><br>PFS - Personal Financial Specialist is for CPAs who want to get into financial planning.<br><br>PFS sounds like your best option (IMHO) but the other two require more experience in the financial sector (if I read it right). You should always double-check, as I am not any of these designations, just a Finance Student!<br><br>Here's an article that goes more in-depth: <a href=\"http://www.careerjournal.com/salaryhiring/industries/financialservices/20060427-hube.html\" rel=\"nofollow\">link</a>", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-04-25_07:07:52", "killed": false, "user_key": "934f0f33ab0dd812ba4a8b326cb41194", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/25/2007 07:07 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301451": {"up_voted": false, "ip": "", "has_replies": false, "message": "Terry leeders.<br>the sad part about BK is that kids are not really the ones filling, the grown ups are doin it in large numbers at least til the new rules became effective aprox 30% of the grown up US population. just by constantly reading the horror stories of how ignorant most people are when it comes to ther finances. leads me to believe that there's a great deal of opportunity in the profession. i've been involved in a similar profession the last 14 years of my life achieving the 6 figure income but of course it's getting old for me so I think a change will do me good, I know I'm good with people so for me it's just a matter of compleating all  my courses and hooking up with the right company. Any recommendation of a good company will be greatly appreciated.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-04-27_18:54:36", "killed": false, "user_key": "f25776733d7f5265b7fdd29c0b442df6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/27/2007 06:54 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301452": {"up_voted": false, "ip": "", "has_replies": false, "message": "Catbat77: I'm getting ready to enter the field after practicing law for many years.  My suggestion is to network as much as possible with others in the field before making a decision.  Find someone you know in the field or get a referral from someone in the field then go from there asking if there is anyone else you should meet.  I talked to at least 10 people in the field and spent 2 days on the job with a friend.  I also met with the branch manager and other advisers in the branch at least 5 times before getting an offer. Talk to wirehouse professionals and fee based independent planners. Find out as much as you can before making the decision.  Most people will want to talk about what they do and will help give you information. Take your time.  The industry is always looking for good people so the job will be there when and if you are ready.  Good Luck.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-05-03_02:51:39", "killed": false, "user_key": "96762a8374f19b22efb745e28e5d1510", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/03/2007 02:51 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301453": {"up_voted": false, "ip": "", "has_replies": false, "message": "I have just decided to work on getting a CFP.  There are several online programs that I am looking at, particularly one from Boston University.  I'm not quitting my day job, though.   My current plan is to offer services at very low cost in my home town.  I just want to be able to get out of it what I pay into it in tuition.   After that, I think I would do it for almost nothing.  <br><br>I want to be able to help people and I think this is a good way to do it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-06-25_16:50:44", "killed": false, "user_key": "620886b78ca80c5dcbcfa8d7bdf7713d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/25/2007 04:50 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301454": {"up_voted": false, "ip": "", "has_replies": false, "message": "I agree with matthewbart67 on his advice of networking to find the right match. I graduated with a degree in finance only one year ago and have since been working in insurance underwriting. If you don't network, it is very difficult to understand what your career as a \"financial advisor\" will entail. There are many places to work for in this career and from the research and interviewing I have done, they can be very different. I have been offered a position in which I would sell insurance and financial products. I'm not sure if this is the way to go. Would selling financial products exclusively be a better option? They claim that being able to sell insurance products helps to get their foot in the clients door. Then they go after the clients investments. Sounds to me like they are glorified insurance sales agents. Any thoughts or input?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-08-15_13:00:42", "killed": false, "user_key": "9554450f6e7b482d84ec49fb3536cb72", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/15/2007 01:00 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301455": {"up_voted": false, "ip": "", "has_replies": false, "message": "If you want to be a college professor, get your advanced degrees in business, law, medicine, or the hard sciences. Do not even THINK about the humanities, the arts, education, or anything you imagine  might interest you more than the subjects above.<br><br>The only university faculty who get paid well are teaching in colleges of business, law, or medicine, or are researchers in engineering &amp; pure science. With a Ph.D. in English; 15 years of real-world experience as a journalist; two scholarly books, three trade books; and uncountable magazine and newspaper articles in print; 10 years of teaching experience--with top performance ratings--on the upper-division and graduate level, I was earning $43,500 before I moved to a better-paying supervisory job. The local newspaper published an article listing wages for city workers; staff in the city's maintenance department were earning more than I was.  <br><br>At my university, the people who earn in the triple digits are in business, law, medicine, &amp; the sciences. The rest of us who have the privilege of teaching gigantic classes of required courses never come anywhere near that kind of earning power.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-08-18_12:55:25", "killed": false, "user_key": "e2adaaabcd164b1554468f9cc383a9df", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/18/2007 12:55 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301456": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am a software / networking professional. I have been doing it a long time and I agree it feels like a million. Especially now with foreign competion and recent grads the wages are down.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-08-26_08:08:56", "killed": false, "user_key": "fb25053988f0ab30997b04092db567cf", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/26/2007 08:08 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301457": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am considering a career as a Financial Advisor with SmithBarney for the three year paid training program. I finished my MBA in marketing in May of this year. I am wondering what is the salary they will be offering or what salary I should be asking for? I have many years in sales if anyone could give me some insight on the salary I should be expecting, pros &amp; cons about being a Financial Advisor I will greatly appreciate it.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-09-15_19:31:55", "killed": false, "user_key": "630ed2ae90bee17a78a53f5895bafae1", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "09/15/2007 07:31 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301458": {"up_voted": false, "ip": "", "has_replies": false, "message": "hey clemente mba, what did you find out about smith barney? I am looking to change careers (from the car business to Financial advisor). I am trying to find some needed info and salary expectations.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-12-07_20:47:42", "killed": false, "user_key": "862178eeed4d97ca8e4e739809841b82", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "12/07/2007 08:47 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301459": {"up_voted": false, "ip": "", "has_replies": false, "message": "i am new to this Financial Life and am trying to learn about it. i am almost done getting my bills payed off and will soon be able to start a portfolio. i was hoping someone could point me in the right direction to a good book to help me learn how to manage a portfolio", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-12-08_02:46:03", "killed": false, "user_key": "37d120bceb11443d8d38961e574d353a", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "12/08/2007 02:46 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301460": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am an advisor, and make north of the total you mentioned.  I am only in my early thirtees, and have made a nice income in my eight years.  But the negatives are aplenty:<br><br>1  You are always on call.  You depend on your clients for your income and referrals, so your cell is always near, and always on.<br><br>2.  You will get yelled at all of the time.  It is a numbers game.  With 700 clients, 10% will be mad at you.  That is a lot of yelling.<br><br>3.  People are sue happy.  If you happen to start during a bear market, look out.  Most advisors are always under the stress of being sued.<br><br>Other than that, there are a lot of positives.  Best of luck!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2007-12-12_21:25:07", "killed": false, "user_key": "6433c840aebafed250411c8afe331d2d", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "12/12/2007 09:25 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301461": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am a third year law student, who is considering becoming a financial advisor.  I have been through a few interviews. and it sounds pretty interesting.  Can anyone compare financial advisor to being an attorney at a small to mid size firm?  The pros and cons? Thanks", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-01-20_08:52:57", "killed": false, "user_key": "74677e96e9351a1eb414bc89c360b4e7", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/20/2008 08:52 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301462": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am interested in the financial analyst/manager type career move.  I have taught government as a full professor for 15 years, I have a law degree, I would change careers for the money.  Not as much free time, but more money.  Student loans, husband had major surgery that our insurance would not cover.  So money is on my mind.  I make about 70K now and I have not passed the Bar.<br><br><br>Well, what do you think?  I am 45, no children, great husband who also teaches, but we never have enough money!", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-02-18_17:24:46", "killed": false, "user_key": "f5431301b6883a31f55d8b1dab991cd6", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "02/18/2008 05:24 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301463": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am also interested in this career path as well... but like you Ive avoided making any really solid decisions about what I really want to with my life.  This is after 2 Masters degrees and toying with the idea of a third along with the CFA designation.  Web development is something that I really wish I'd pursued when I first moved to DC.  <br><br>DEcisions decisions...<br><br>The only thing that really kills me about the CFA position is the selling.  I am sooo not a sales person and I like working from home in my pajamas.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-03-04_14:19:46", "killed": false, "user_key": "d9a3be76c7f5147a51eebc3b9e076f9f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "03/04/2008 02:19 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301464": {"up_voted": false, "ip": "", "has_replies": false, "message": "After reading this blog here are a few of my comments.  <br><br>I have been investigating this job thoroughly because I am interviewing for positions and am planning on accepting my offer from Smith Barney.  <br><br>If you love finance but you do not like sales, then this is not the career for you.  You would likely be happier as an analyst at an investment company.  Similarly if you are an excellent salesman but have not started studying finances this is going to be very difficult and probably not a good choice long term.  A financial advisor must posses two very different personality traits they must be highly social and highly analytical.  <br><br>The first few years you need to build a book of business.  After you get your insurance and broker licenses you are basically expected given a business card and told that you have X amount of time to get Y millions of dollars under management.  Now what?  Here is where you will need to sell.  In order to sell to people the idea that you should advise them on their finances and investments they will expect you to know about finances.  Hopefully you are like me and investing is has been a passion of yours for years.  <br><br>As time progresses the job transitions from sales to consulting.  Eventually you have built a large enough book of business, and have enough clients that trust you with their investments, such that you do not spend much of anytime selling.  Now the job is to make sure that all of your clients are meeting their financial goals, and that their assets are allocated properly.  If you do this well you should get a few more referrals and your business continues to grow to your ideal level. <br><br>All of the companies out there have different offers.  Northwestern basically wants you to peddle insurance.  You make money no matter what you sell, but you make a heck of a lot more when it is their insurance.  I could never work in an environment like that.  I want to be able to do what is truly best for my clients.   Then their are companies like Ameriprise financial.  They seem to want everyone with a bachelors degree that can pass a relatively easy test.  They had about twenty of us in a conference room where they tried to sell us on the job.  Evidently the base salary and commission is in the middle tier and they charge clients in the middle range.  Ameriprise also expects the financial advisor to front the $1,000 for the insurance and brokerage licenses.  Then after about ten weeks of study and waiting for the results, if you pass they will hire you and they will reimburse you for the licenses.<br>Edward Jones pays slightly higher than Ameriprise.  <br><br>At the high end of training and salary are Smith Barney, Merrill Lynch, Morgan Stanley, and UBS.  These are full brokerage wirehouses that also have the resources of the largest investment banks in the world.  For example Smith Barney is owned by Citigroup.  In the list of the top 100 advisors in terms of assets under management it is dominated by Smith Barney and Merrill Lynch, with a slight edge to Smith Barney.  <br><br>I don't know about all of these companies internal pay scales, but I went through interviews with Smith Barney and have received an offer.  They allow advisors to build the business as that advisor seems appropriate within approved guidelines.  This means you can build a business where you make purely a commission on everything that your clients buy and sell, or you can make a fee for assets held under management.  Like most Smith Barney Advisors I would choose to build my business in a Fee Only or Fee Based style.  I do not like the idea of my income being purely tied to when a client buys or sells stock.  It creates a bad incentive for me to buy and sell stock rather than create wealth.  I will want my clients to know that I only make more money by making them more money.  <br><br>Someone asked how much they would make with Smith Barney.  There is probably a range depending on your background and what you made in your last position.  That said, the three year base salary I was offered is in the mid $50s for the first 2 years and then begins to decline. With this base, the research I have seen shows that after all the bonuses and fees the first year total compensation range is $60,000 for such bad performance that you should start looking for a new job to $120,000 for the top ten percent.  This is assuming you are brand new and are not bringing existing clients with you from another advisory. As you can imagine they are highly selective about who they will choose.  Even after being carefully selected only about 60% of the new advisors build a successful book of business, and survive past one and a half years. The vast majority of those that hit the rigorous 1.5 year keep your job quota will survive to make a successful business.  Five years out the average earnings for a Smith Barney advisor is approximately $250,000.  Top 10% performers earn in the millions at that point.  For a reference Edward Jones had similar failure rates but the average starting earnings was half to two thirds of this and the five year out pay was closer to what is quoted in the above magazine article.  It is much like starting your own business except with lower failure rates and not quite as large of a financial pay off.  Maybe half make it and they have a solid shot at being a millionaire.  Try to start the next Microsoft and you are looking at maybe 2% make it but if you make it you have a shot at getting on the Forbes list.  Just like any investment there is a trade off between risk and reward.<br><br>There are also independent advisor companies.  Raymond James is one of the best in that area.  They allow you to buy the franchise and have less oversight.  The veterans are moving this way because they do not like the compliance that comes with being with one of the major wirehouses.  They also get more freedom, but they have to do all their own back office work and they give up all of the research and company professionals that work for the worlds largest banking companies.  In addition, I find the independent route particularly challenging for someone like me who is brand new in the business.  I could really use the training, mentoring, and brand name recognition that is available at a company like Citigroup's Smith Barney Advisors, Merrill Lynch, Morgan Stanley, or UBS.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-04-13_02:02:24", "killed": false, "user_key": "1c7ffb7b46f7333b1df2c24814b95296", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "04/13/2008 02:02 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301465": {"up_voted": false, "ip": "", "has_replies": false, "message": "Many of you looking at his career opportunity are not seeing the whole picture. There's more to being an advisor than asset management. There are 77,000,000 'Boomers' that have run out of time to build a portfolio and simply need solutions to their retirement problems such as:<br>1. How to get out of debt before retirement.<br>2. How to get the maximum sustainable lifetime income from the nest egg.<br>3. How to get control of monthly expenses.<br>4. How to minimize tax liabilities.<br>There are 3 quadrants of the personal balance sheet that are being completely ignored by the wirehouse advisors.<br>....and, you don't need to be a \"registered rep\" to work with people in these areas. You can be completely independent, make a good income, and it's not about selling, either. It's about educating. It's about positioning.<br>People have big problems out there. There are practical and effective solutions. By positioning yourself between the two, your have value. Client will seek that value and you don't have to \"sell\" anything.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-05-02_13:26:27", "killed": false, "user_key": "48c1437a2de681844e2ce6f15df84c0f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/02/2008 01:26 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301466": {"up_voted": false, "ip": "", "has_replies": false, "message": "Witty,<br><br>Thanks for your post.  That really gave some great information.  I am currently interviewing with Smith Barney and Wachovia Securities.  I really like the fact that Smith Barney doesn't decline the salary for two years.  Most first start declining the salary very quickly.<br><br>Did you start with Smith Barney?", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-05-16_15:20:18", "killed": false, "user_key": "2bd0291060412e1ad65cb3c01f40577f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/16/2008 03:20 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301467": {"up_voted": false, "ip": "", "has_replies": false, "message": "I've been selling long term care insurance for years and am licensed in CT, NY and MA I'm doing well but would like to work more with CFPs.  Specifically, I'd like to be the backoffice for all their client's LTC needs. This would include doing all the work from marketing, conducting semianrs under the CFP's name, client meetings, administration and appeals. All done pursuant to a split commission arrangement.  I'd appreciate any advice on approaches or strategies to becoming a CFP's backoffice on long term care insurance.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2008-08-05_19:43:03", "killed": false, "user_key": "9f1b821e75050da618168990ddb29532", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "08/05/2008 07:43 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301469": {"up_voted": false, "ip": "", "has_replies": true, "message": "Get the Facts.  Can you bring in 30 to  50 million in Assets in 2 or 3 years?  The firms care about production.   If you are not 250 to 400,00 in production within 5 years you have wasted your career and the industry is pushing you out.  I left a 6 figure job to become an Financial Advisor.  Ever since this industry has gotten worse.  Are you ready to cold call every day, go door to door knocking?  They expect it yet the success rate of doing so is very poor.  Oh by the way you could open accounts all day long and you will fail if it isnt enough money.  I am talking big accounts.   All the big firms are pushing to eliminate pay on accounts under 50k - proposed by Smith Banrey, already 75k or close at Morgan Stanley, Merril, who knows who else given the landscape over the last year.    I left a 100k job have been in this business over 3 years worked 3 of 4 weekends per month for the first year or so.  I busted my ass.  My last pay check for 30 days was under $2000.  I dress sharp, have succeeded in every job I have ever had and built a nest egg of over 400k before entering this business.  I am 40.  I was about making money, investments, providing education and taking care of clients.  My work ethic was never in question.   There is not one FA in my office under 8 years that is confident about there future, their business.  If you are retired already and want to do it or if you are 2o something and aren't making any money aNYWAY.  Go for it.  My honest opinion is this business is a piece of shit.  That being said everything about investing, taking care of clients is great.  Compliance is terrible.  It is business hinderance.  The firms, they want someone to bring in million dollar accounts and relationships.  If you can't do that regularly you will be basing a career on hope and hype.   Trust me I am living it, I am a professional, hard working and educated.  This career move has me in a position I can barely feed my family.   If I didn't already have the assets to live from I would be in foreclosure.   MOst firms pay sALARY for one year, most banks 20k to low 30's base.   I wish someone would have been more blatenly open with me.  In the time frame of my training there was over 125 people that went through training.  Of that amount 25 are left.  I know 12 of them.  Three will likely survive.  Two joined teams and the other was given assets/business (so were many others and they will still not survive).  I could write a book on this.  I am 4 years into a piece of shit career built on the hope and hype that was relayed to me.  Average guy makes 160k year.   It wasn't until years later I found that was based on the average person being in the business for 15 years.   If you can make it past 5 years you have a chance if your production numbers are over 400k.  Do you know what it akes to get there?  How much in assets?  I know guys with well over 30 million in assets and they are not there.   Get your facts, get the answers and ask questions before taking the leap.   Lets say you charge 1 percent on fee based you get paid to grid 30 to 40 percent.  So if everything goes perfect your client invests 100k and everything is under fee you raise $1000 for the firm.  You get paid to grid 30, 35, maybe if your lucky 40%.     That's 300 - 400 per year for that.    How many $100,000 accounts do you need to make 50 or 60k a year.   Exactly.  Think about it.   How many millionaires can you make be part of your business?   Even if you know some the process is the larger the money the longer it takes to get there business. Good luck.  Do not be as Naive as I was.  I felt it was what I wanted to do I was going to work hard and never look back.   I jumped in hard with the premise this is what I was going to do no matter what.  What the ___ was I thinking.  Call around and ask a lot of guys that have been in the business 5 to 8 years what they are making - really.   Have them show you there paycheck after the salary runs out.    You will be surprised.  Ask those under 5 years if they would recommend the job to their best friend.   Are they comfindent about there career or future?  I guess it is all relative if you wish to make 30, 40, 50 or 60k.   At least for awhile until the firm doesn' want you because your production is to low.    Lowest quintile and at 5 years oh, your pay - that's right your grid falls to like 20.   What happens when they stop paying you a salary!   Sorry, to be negative.   People act like this is the best job ever.   The only people I see making it are the ones that were handed business (money/assets) and a lot or plain got lucky or new many millionaires willing to give them money.  Hard work doesn't mean anything don' let them full you.   The industry is much different then it was even 5 years ago.   I wish I could share more.   Let's see Wachovia, Merril, Smith Barney keep naming names.  How many times did employees wonder who they were going to be working for?  what there pay would be or if they were going to get cut.   Don't jeopardize your family on this career move without facts.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-12_20:24:29", "killed": false, "user_key": "a821b129486025d68a5e65fc465df04e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/12/2009 08:24 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301470": {"up_voted": false, "ip": "", "has_replies": false, "message": "I read the statement after 5y ears Smith Barney advisors make $250,000.   If you think that is true you are clueless.  They may make $250,000 in production.   That would be about 75k likely a little more.   That is right.  If you survive the first 5 years and your production is 250k or more your grid depending on the firm is 30-40%.   You can call every branch in your state.   250k in income at 5 years what a hoot..   If you find that to be true ask to see he is pay check.  Then, still you better understand how he got there and how that relates to you.   That statement my friend is very naive and is without merrit.   A lot of hype and hope.   Another thing someone else said if you like investing and want to play the market it likely isn't for you.   That is not what the business is about.   Stockbrokers are the minority.   You can still do it but good luck trying to be succesful with your business.  Not too mention every trade you do for yourself even after the 50% discount is still going to cost you $30 - $150 per trade.  That is right you the broker your fee.   My advice: Get the facts and don't jeopardize your family.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-12_20:43:23", "killed": false, "user_key": "a821b129486025d68a5e65fc465df04e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/12/2009 08:43 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301471": {"up_voted": false, "ip": "", "has_replies": true, "message": "The bigger firms have more to offer clients more fund choices, more private money mangers, separately managed accounts, more resources period, CDs from many banks, bond trading desks, insuraqnce, lending, you name it.  It really is who is the client and what makes sense for them given what is out there period.   An insurance guy who offers nothing but insurance solutions isn't a financial advisor.  At least not in my opinion.  There are major differences in the top fims (UBS, Merril, Morgan Stanley, Smith Barney,) vs. mid tier and regionals Raymond James, Edward Jones, AG Edwards (now Wachovia I mean Wells Fargo.   Merril, I mean Bank of America and Smith Banrey Soon to mean Morgan Stanley), the insurance carriers Lincoln, John Hancock, Prudential, Pacific Life, .., and the low end Ameriprise, lowest end primerica.   The banks are equal to the regionals in offerings usually unless connected to the wirehouses.  Last but not least you can work with Allstate, statefarm, etc.  Primerica is about as low as you get.  They convince the masses in that one.  It is more important to sign someone else up then it is to selll anything or give advice.    Educate yourself, be smart ask serious questions, don't rush into it and know what it is you are selling besides yourself.  Don't jeopardize your family.  I have said enough.  Too many people in here talking circles about the idea.  I wish I would have had more facts and committed to the idea of an exit strategy sooner.   Good luck.  If you know a lot of business owners and can bring in millions in assets this could be the easiest job you ever had.   Ex.  If you had 1 client worth 100 million and you charged 1%.  At most firms you likely would get 50% grid - that's money.   The fact is the less clients you have that are really wealthy the easier it will be.  If you can't have $5 million in assets the first year and at least that every year after you should assess who you are going to work for and what you will be paid.  15 million you only make about 50k a year.    The insurance guys make a lot more - closer to 90% grid.  Then you get insurance and you offer insurance.  Hi  mr. client of our 5 insurance products you fit into plan B.  I really should stop now.   Sorry about the grammer, spelling, run ons etc.   This was more a factual  vent.  Given this career I have jeopardized my family and now need to get paid.  This game is over for me.     Also, I think it is important to note I interviewed with American Express now Ameriprise, Wachovia, Edward Jones.  I took a job at Legg Mason first based on the corporate culture which was very important to me.  I went to Smith Barney through citigroup acquision.  I have had conversations with many advisors from many firms and have discussed and work with many advisors at insurance companies.  I actually got Life &amp; Health certified back in the day looking into Primerica. Once they told me it was more important to sign people up then it was to work with clients I did some short research and realized that was nothing but multi level marketing.   I hope my ramble helps someone.  I am not checking back to follow up here and only hope that I am not hunted down by the eye in the sky for my honesty.    Understand how you get paid and said time limts for your expectations and goals.  Have an exit strategy.  I can't tell you how many great FA's I listened to preach their pitch set up by the company because they were doing great - only to find them no longer in the business a year or two later.   I will shut up now.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-12_21:28:09", "killed": false, "user_key": "a821b129486025d68a5e65fc465df04e", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/12/2009 09:28 PM", "approved": true, "num_replies": 1, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301472": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hello,<br>I am a recent business commerce graduate and interested in becoming an Financial Advisor and starting my own business. I read a blog here recently referring to advisors transitioning a Financial Advisor Business to a successor. Discussing also the growing population of investors becoming underserved by advisors due to financial advisors retiring at the same time baby boomers are requiring retirement planning services.  I've not yet found a Mentorship program or advisor in my area looking for a junior advisor to step in as a successor, but all of the research I've done seems to come back to The Advisor Business Exchange site looks like a great way to get your foot in the door! I'm hoping this year with depreciated portfolio values and also baby boomers retiring, the timing will be right for me to start a career as a financial planner.<br><br>Any advice would be greatly appreciated if there are other approaches I should consider.<br><br>thx, Charles", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-01-13_17:32:17", "killed": false, "user_key": "673e54ab551e7625cd6772476e7af13f", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "01/13/2009 05:32 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301473": {"up_voted": false, "ip": "", "has_replies": false, "message": "Smith Barney Advisor:<br><br>I can remember getting my B.S. in finance and later my MBA and interviewed with MSDW, SSB, the Pru and Axa. Everytime I was offered a job I didnt like the 1) instability of the economy (my B.S. was earned and 9/11 happened immediately after, consequently driving the stock market down..and upon getting my MBA we have hit a major recession) and 2) the attrition rates. I opted for the accounting side of business and have worked in it for close to 10 years. I found the stability of a paycheck a better bet than making the big bucks. I make around 50k now but I work in the educational finance field. I occasionally get offers from advisors..\"well, hey you have degree in finance and an MBA, you would do great\" To me that sounds more like they are recruiting someone with a heartbeat. I dont get paid a whole lot but great health benefits and stability give me more piece of mind. Now in my 40's and single w/ no children I still will opt for the slow and steady (and smart) route to retirement rather than jump on a fast train to nowhere. Your writing has helped me understand what I need to understand at mid-life...I'm just not cut out for the sales oriented business..my gut has always told me this..so I stick with govt work, rely on years of service and highest pay grade to solidify my happy retirement. Thanks for the words", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-05-10_02:36:37", "killed": false, "user_key": "5289e6d4e755db3bc342792c5c892c44", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/10/2009 02:36 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21301469, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301474": {"up_voted": false, "ip": "", "has_replies": false, "message": "Smith Barney Advisor,<br><br>Thanks for your candid rant...I feel enlightened and appreciate your posts!<br><br>I recently retired from the Military (23 years) and was pursuing a second career as a FA.  I have a B.S. in Computer Science &amp; Mathematics and a MS in Computer Science.  Neither degree is current nor do I have a passion to become a 'code monkey'.  For me programming and technology has always been a recreational interest.  I always told myself my second career needed to be a passion regardless of income; hence, the idea of becoming an FA.<br><br>I don't have formal training in finance but I've always been passionate about investing.  With that said, I'm currently in the last phase of the being hired as a FA with Edward Jones.  One of the steps prior to the final interview with Edward Jones was to knock on doors and conduct surveys.  The exercise was very applicable and generally defined what would be expected.  I spent 4 hours knocking on 110 doors that resulted in 15 'decline to interviews' and 25 'full interviews'.  Many people were not home or chose not to answer the door.  I believe in the value of being a FA and I can sell the hell out of things I believe in.  I can easily see my self doing this for 2 years or so to develop my client book eventually shifting more to an advisory roll vs a client building roll; however, the possibility of having the rug pulled out from under me after putting the insane effort into building a client book has me second guessing the FA path.  My final interview is scheduled for Friday and I find myself browsing the web for nuggets of clarity.  What to do what to do?<br><br>Options as I see it:<br>1.  Become an FA.  Obtain the series 7 license and CFP designation.  Fulfill the 3 year contract obligation and then decide to remain a FA or take my new found experience and move on to another area within the finance industry...maybe become a Financial Analyst instead.  3 years wasted???  Depends on how you look at it.  Fortunately, I'm collecting a retirement and my family won't starve if I'm limited to making chump change.<br>2.  Considering the crappy economy and the current unemployment rate, go back to school and earn my MBA.  I'm considering an Executive MBA but don't know the pros and cons of an EMBA.  Bottom line:  Those baby boomers WILL eventually retire and corporate America will need management types to move up the food chain.  I used to manage Defense contracts for the government and I believe a fast track may be there for me, who knows.<br><br>Anyway, I just wanted to post a Thank You for the insight you provided.", "is_last_child": true, "can_reply": true, "down_voted": false, "real_date": "2009-05-25_03:27:13", "killed": false, "user_key": "46094845f9670117d3146b1a5e9e7d9b", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "05/25/2009 03:27 AM", "approved": true, "num_replies": 0, "is_first_child": true, "email": "", "parent_post_id": 21301471, "depth": 1, "points": 0, "author_is_creator": false, "is_realtime": false}, "21301475": {"up_voted": false, "ip": "", "has_replies": false, "message": "Hello,<br>I have found these posts useful, especially those from experienced advisors.  I have been managing<br>my porfolios for 15 years, with detailed tracking of 8 personal portfolios vs. various indexes, and<br>enter the value of each converted to a NAV on a friday closing basis, so I can track all this over time<br>on an excel sheet, during various market cycles and market events.<br><br>I exited the marke largely in 2007/2008, and have largely re-invested (70%) mostly in March/April,<br>anticipating a bottom to the bear market.  I follow market cycles and look at a lot of historical data<br>and trends.  I have perhaps 10-15 friends and aquaintences that have asked me to manage their<br>accounts, and I've looked at starting an RIA business.  But I would prefer to work with an established<br>RIA for the mentoring, and so I would not have to re-invent the wheel.  I basically would charge a %<br>of assets under management (1%+), but primarily educate and guide clients on all their financlal<br>and related matters, as I have a natural nack for this, and meet people all the time who need help.<br><br>I almost took a position with AG Edwards (which I thought was one of the better Brokerage firms), but<br>they were very inclined to push high fee accounts, and didn't seem to care about market cycles or<br>protecting the clients portfolio.   I also talked with 2 private money managers, and would like to work<br>with a money manager as a support person, and also to grow an expanding client base on a <br>platform of asset allocation which makes sense and takes advantage of market cycles and trends.<br><br>If there is any advisor in the NJ area who might need some help or is willing to help with information;<br>I really would like to help the growth of a business, while I grow my own business and assets.<br><br>Thanks, FIV", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-06-09_16:30:03", "killed": false, "user_key": "f6bbd4251c12925ac2dcb7fa03351d2c", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": null, "votable": true, "date": "06/09/2009 04:30 PM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}, "21350612": {"up_voted": false, "ip": "", "has_replies": false, "message": "I am interviewing with ML for their Practice Management Development Financial Advisor in NY and I wondered if anyone has experience with the interviews and more importantly what the basic salary is - I have $100k in loans to pay to for my MBA so not really looking to be destitute for the first year.", "is_last_child": false, "can_reply": true, "down_voted": false, "real_date": "2009-10-30_09:38:38", "killed": false, "user_key": "michael0909", "has_been_anonymized": false, "edited": false, "author_is_moderator": false, "from_request_user": false, "votable": true, "date": "10/30/2009 09:38 AM", "approved": true, "num_replies": 0, "is_first_child": false, "email": "", "parent_post_id": null, "depth": 0, "points": 0, "author_is_creator": false, "is_realtime": false}}, "integration": {"receiver_url": "", "theme": 4, "reply_position": true, "disqus_logo": false}, "timer": {"timer_url": "http://localhost:8005", "thread_id": "42489750", "user_id": "anonymous", "forum_id": "214864", "hash": -5569899033416679679}, "thread": {"days_alive": 0, "slug": "be_a_financial_advisor", "paginate": false, "num_pages": 1, "num_posts": 59, "per_page": 0, "total_posts": 0, "realtime_paused": true, "id": 42489750, "queued": false}, "reactions_limit": 10, "context": {"show_reply": true, "use_fb_connect": true, "forum_facebook_key": "a754e38c7443c66a17fb4f842187453e", "use_yahoo": true, "subscribed": false, "use_twitter_signin": true, "use_openid": true, "realtime_speed": 5000}, "reactions_start": 0, "settings": {"debug": false, "disqus_url": "http://disqus.com", "media_url": "http://media.disqus.com"}, "media_url": "http://media.disqus.com"};
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Dsq.FmtStrings = new function() {
	// Seems we have to use named interpolation for Django to translate. Investigate more.
	this.LOGGED_IN_AS = function(username) {
		return Dsq.Utils.interpolate('Logged in as %(username)s', {username:username});
	};

	this.LOGOUT_FROM = function(disqus) {
		return Dsq.Utils.interpolate('Logout from %(disqus)s', {disqus:disqus});
	};

	this.SHOWING_COMMENTS_FULL = function(total, num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comment", {num:num, total:total});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> of <span id='dsq-total-posts'>%(total)s</span> comments", {num:num, total:total});
		}
	};

	this.SHOWING_COMMENTS_WITHOUT_PAGINATION = function(num) {
		if (num === 1) {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comment", {num:num});
		} else {
			return Dsq.Utils.interpolate("Showing <span id='dsq-num-posts'>%(num)s</span> comments", {num:num});
		}
	};

	this.NUMBER_OF_COMMENTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s comment'
				: '%(num)s comments'
			), {num:num});
	};

	this.NUMBER_OF_LIKES = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s like'
				: '%(num)s likes'
			), {num:num});
	};

	this.NUMBER_OF_POINTS = function(num) {
		return Dsq.Utils.interpolate(
			(num == 1
				? '%(num)s point'
				: '%(num)s points'
			), {num:num});
	};
};
// Dsq.FmtStrings





Dsq.CSRF_TOKEN = '4f0bfca82e06c976a1efdd7c783a5fd0';
Dsq.COMMENTS_RE = /(<li.*?id="?dsq-comment-(\d+)"?.*?>)((?:.|\s)*?)(<\/li>)/gim;
Dsq.POST_RE = /(<div.*?id="?dsq-comment-header-(\d+)"?.*?>)((?:.|\s)*?)(<\/div>)\s*(<div.*?class="?dsq-comment-body"?.*?>)((?:.|\s)*)(<\/div>)/gim;
Dsq.POST_BODY_RE = /\s*(<div.*?id="?dsq-comment-message-(\d+)"?.*?>)((?:.|\s)*)(<\/div>)/gim;
// HACK: Safari ends with "-->" while other browsers end with "--&gt;" as expected.
Dsq.MEDIA_POST_RE = /&lt;!--\[(.*?)\]--(?:>|&gt;)/gim;



var FragmentPacket = function(reader, writer, writer_url, is_child, receiveCallback) {
	var that = this;
	this.reader = reader;
	this.writer = writer;
	this.writer_url = writer_url;

	this.is_child = is_child || false;
	this.receiveCallback = receiveCallback;

	this._lastHash = null;

	this._accumMsg = '';

	this._lastSeqno = 0;

	this.MAX_DATA_LEN	= 1024;

	this.WAIT_TIME		= 10;

	this.READY		= 0x1;
	this.WRITING	= 0x2;
	this.FIN		= 0x4;
	this.ACK		= 0x8;

};

FragmentPacket.prototype.createListener = function() {
	var that = this;
	var listener = function() {
		that.recv();
	};
	return window.setInterval(listener, 10);
};

FragmentPacket.prototype.log = function(msg) {



};

FragmentPacket.prototype.recv = function() {
	var hash;
	if (/MSIE/.test(navigator.userAgent)) {

		hash = this.reader.name;
	} else {

		var hashIndex = this.reader.location.href.indexOf('#');
		if (hashIndex == -1) {
			return;
		}
		hash = this.reader.location.href.substring(hashIndex+1);
	}
	var flags = parseInt(hash.substring(0, 4), 10);
	var seqno = parseInt(hash.substring(4, 24), 10);
	var data  = hash.substring(24);

	if (this._lastHash !== hash) {
		this._lastHash = hash;
		this.log('recv: ' + hash);

		this.log(' flags: ' + flags);
		this.log(' seqno: ' + seqno + ' len: ' + hash.substring(4, 24).length + ' (' + hash.substring(4, 24) + ')');
		this.log(' data: ' + data + ' len: ' + data.length);

		this._lastSeqno = seqno;

		if (flags & this.WRITING) {
			this._accumMsg += data;
			this.sendFlag(this.ACK, seqno);
			if (flags & this.FIN) {
				this.log('recv finished: ' + decodeURIComponent(this._accumMsg));
				this.receiveCallback(decodeURIComponent(this._accumMsg));

				this._accumMsg = '';

				this.sendFlag(this.READY | this.ACK, this._lastSeqno);
			}
		}
	}

	return {
		flags: flags,
		seqno: seqno,
		data: data
	};
};

FragmentPacket.prototype.sendRawPacket = function(packet) {
	if (/MSIE/.test(navigator.userAgent)) {
		this.writer.name = packet;
	} else {

		this.writer.location.href = this.writer_url + '#' + packet;
	}

};

FragmentPacket.prototype.sendFlag = function(flag, seqno) {
	this.sendRawPacket(this._zerofill(flag, 4) + this._zerofill(seqno, 20));
};

FragmentPacket.prototype.send = function(msg) {
	this._send(0, encodeURIComponent(msg));
};

FragmentPacket.prototype._send = function(packetNum, msg) {
	var that = this;
	var recvBuf = this.recv();

	if (packetNum === 0) {

		if (!(recvBuf.flags & this.READY)) {
			this.log('client is not ready, waiting...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		}
	} else {

		if (!( (recvBuf.flags & this.ACK) && (recvBuf.seqno === this._lastSeqno) )) {
			this.log('waiting for ack from client...');
			window.setTimeout(function() { that._send(packetNum, msg); }, this.WAIT_TIME);
			return;
		} else {
			this.log('received ack: ' + this._lastSeqno + ' ' + recvBuf.seqno);
		}
	}

	var flags = this.WRITING;
	var num_packets = Math.ceil(msg.length / this.MAX_DATA_LEN);
	this.log('num_packets: ' + num_packets);

	if (num_packets === packetNum) {

		this.log('message successfully sent!');
		this.sendFlag(this.READY | this.ACK, this._lastSeqno);
		return true;
	}

	this._lastSeqno++;

	if (packetNum == num_packets-1) {
		flags |= this.FIN;
	}

	var data = msg.substring(packetNum * this.MAX_DATA_LEN, (packetNum+1) * this.MAX_DATA_LEN);
	var packet = this._zerofill(flags, 4) + this._zerofill(this._lastSeqno, 20) + data;

	this.log('sending raw packet: ' + packet);
	this.sendRawPacket(packet);

	return this._send(packetNum + 1, msg);
};

FragmentPacket.prototype._zerofill = function(num, width) {
	var retval = num.toString();
	var retval_len = retval.length;
	for (var i = 0; i < width - retval_len; i++) {
		retval = '0' + retval;
	}
	return retval;
};

var PostMessagePacket = function(receiver, receiveCallback, id, receiverId) {
	var that = this;
	this.receiver = receiver;
	this.receiveCallback = receiveCallback;
	this.id = id;


	this.receiverId = receiverId;
};

PostMessagePacket.prototype.createListener = function() {
	var that = this;

	var listener = function(e) {

		if (!that.id) {
			that.id = e.data;
			return;
		}


		var id = e.data.split(';')[0];
		if (id !== that.id) {
			return;
		}
		var data = e.data.substring(e.data.indexOf(';') + 1);

		that.receiveCallback(data);
	};

	if (typeof window.attachEvent == 'function') {
		window.attachEvent('onmessage', listener);
	} else if (typeof window.addEventListener == 'function') {
		window.addEventListener('message', listener, false);
	} else {
		throw new Error('No method found to create event listener for PostMessagePacket.');
	}
};

PostMessagePacket.prototype.send = function(msg) {



	var needs_reget = false;
	try {
		if (typeof this.receiver.id == 'undefined' || typeof this.receiver.postMessage == 'undefined') {
			needs_reget = true;
		}
	} catch(e) {


	}
	if (needs_reget && typeof this.receiverId != 'undefined') {
		this.receiver = document.getElementById(this.receiverId).contentWindow;
	}

	var packet;
	if (!msg) {

		packet = this.id;
	} else {
		packet = this.id + ';' + msg;
	}
	this.receiver.postMessage(packet, '*');
};

PostMessagePacket._last_unique_id = null;
PostMessagePacket._get_unique_id = function() {
	var id = (new Date()).getTime();
	if (id == PostMessagePacket._last_unique_id) {
		id++;
	}
	PostMessagePacket._last_unique_id = id;
	return id.toString();
};

var JsonRpc = function() {

	this.ids = {};

	this.objectToJSON = function(obj) {
		var json = '';
		var results = [];

		if (obj === undefined || obj === null) {
			return 'null';
		}

		switch (obj.constructor) {
			case Object:
				for (var property in obj) {
					if (obj.hasOwnProperty(property)) {
						results.push(this.objectToJSON(property) + ': ' + this.objectToJSON(obj[property]));
					}
				}
				json = '{' + results.join(', ') + '}';
				break;
			case Array:
				for (var i = 0; i < obj.length; i++) {
					results.push(this.objectToJSON(obj[i]));
				}
				json = '[' + results.join(', ') + ']';
				break;
			case Number:
			case Boolean:
				json = obj.toString();
				break;
			case String:

				var specialChars = {'\b': '\\b', '\t': '\\t', '\n': '\\n', '\f': '\\f', '\r': '\\r', '\\': '\\\\'};

				json = obj.replace(/[\x00-\x1f\\]/g, function(match) {
					var ch = specialChars[match];
					return ch ? ch : '\\u00' + match.charCodeAt().toPaddedString(2, 16);
				});

				json = '"' + json.replace(/"/g, '\\"') + '"';
				break;
			default:

				json = 'null';
				break;
		}

		return json;
	};

	this.createHandler = function(send_func, registered_funcs) {
		var that = this;
		var handler = function(message) {

			try {
				var rpc = eval('(' + message + ')');
			} catch(e) {
				alert('bad JSON: ' + message);
				return;
			}
			if (rpc.method) {

				if (!registered_funcs[rpc.method]) {
					return;
				}

				var retval = registered_funcs[rpc.method].apply(null, rpc.params);
				if (rpc.id) {
					var response = {
						result: retval,
						error: null,	// TODO
						id: rpc.id
					};
					send_func(that.objectToJSON(response));
				}
			} else if(rpc.result) {

				if (!that.ids[rpc.id]) {
					return;
				}

				that.ids[rpc.id](rpc.result);
				delete that.ids[rpc.id];
			}
		};
		return handler;
	};

	this.execute = function(send_func, method, params, response_callback) {
		response_callback = response_callback || null;
		var id = (response_callback) ? (new Date()).getTime() : null;

		var request = {
			method: method,
			params: params,
			id: id
		};

		send_func(this.objectToJSON(request));

		if (id) {
			this.ids[id] = response_callback;
		}
	};
};
JsonRpc = new JsonRpc();

var ParentMessenger = function(childUrl, receiverUrl, container, receiveCallback) {


	if (navigator.userAgent.indexOf('Safari') >= 0 && parseInt(navigator.userAgent.substring(navigator.userAgent.indexOf('Version/') + 8), 10) == 3) {
		throw new Error("unsupported.");
	} else if (window.opera) {
		throw new Error("unsupported.");
	}



	if (!receiverUrl &&
		navigator.userAgent.indexOf('Gecko') >= 0 &&
		parseFloat(navigator.userAgent.slice(navigator.userAgent.indexOf('rv:') + 3, navigator.userAgent.indexOf('rv:') + 6)) < 1.9) {
		throw new Error("unsupported.");
	}


	if (/msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent)) {


		if (document.domain == window.location.hostname) {
			receiverUrl = '';
		}
	}

	var that = this;
	this.childUrl = childUrl;
	this.receiverUrl = receiverUrl;
	this.container = container || document.body;

	this.packetHandler = null;


	this._ready = false;
	this._error = false;


	var _createReceiverForFragmentPacket = function() {

		that.receiver = document.createElement('iframe');
		that.receiver.src = receiverUrl;
		that.receiver.id = 'receiver_' + (new Date()).getTime();
		that.receiver.name = that.receiver.id;

		that.receiver.frameBorder = '0';
		that.receiver.frameSpacing = '0';
		that.receiver.style.borderStyle = 'none';

		var receiver_onload = function() {
			var receiver = document.getElementById(that.receiver.id).contentWindow;

			try {
				receiver.document.body.innerHTML = '';
			} catch(e) {

				that._error = true;
			}
			receiver.document.body.style.padding = '0px';
			receiver.document.body.style.margin = '0px';

			var child = receiver.document.createElement('iframe');
			child.id = 'child';
			child.name = 'child';
			child.src = that.childUrl;

			child.frameBorder = '0';
			child.frameSpacing = '0';
			child.style.borderStyle = 'none';
			child.style.width = '100%';
			child.style.height = '100%';
			receiver.document.body.appendChild(child);

			that.child = receiver.document.getElementById('child').contentWindow;
			that.receiver = receiver;

			that.packetHandler = new FragmentPacket(that.receiver, that.child, that.childUrl, false, receiveCallback);

			that._listener = that.packetHandler.createListener();

			that.packetHandler.sendFlag(that.packetHandler.READY, 0);

			that._ready = true;
		};

		that.receiver.onreadystatechange = function() {
			if (this.readyState == 'complete') {
				receiver_onload();
			}
		};

		that.receiver.onload = receiver_onload;







		if (Dsq.Utils.ie) {
			if (that.container.clientWidth === 0) {

				var _waitForWidth = function() {
					if (that.container.clientWidth > 0) {
						Dsq.Utils.fixIframesIE(that.container.id);
					} else {
						window.setTimeout(_waitForWidth, 100);
					}
				};
				_waitForWidth();

				that._once = false;
				that.receiver.onresize = function() {
					if (!that._once) {
						Dsq.Utils.fixIframesIE(that.container.id);
					}
					that._once = true;
				};
			}
		}

		that.container.appendChild(that.receiver);
	};


	var _createReceiverForPostMessage = function() {

		var receiver_onload = function() {

			that.packetHandler.send();
			that._ready = true;
		};

		var id = PostMessagePacket._get_unique_id();
		var receiverId = 'child_' + id;


		ParentMessenger['_receiver_onload_' + receiverId] = receiver_onload;

		that.container.innerHTML += '<iframe ' +
			'src="' + childUrl + '" ' +
			'id="' + receiverId + '" ' +
			'name="' + receiverId + '" ' +
			'onload="ParentMessenger._receiver_onload_' + receiverId +'();" ' +
			'></iframe>';

		that.receiver = document.getElementById(receiverId).contentWindow;
		that.packetHandler = new PostMessagePacket(that.receiver, receiveCallback, id, receiverId);
		that._listener = that.packetHandler.createListener();
	};

	if (typeof window.postMessage == 'function') {
		_createReceiverForPostMessage();
	} else {
		_createReceiverForFragmentPacket();
	}

};

ParentMessenger.prototype.sendMessage = function(message) {
	var that = this;
	if (!this._ready) {

		window.setTimeout(function() { that.sendMessage(message); }, 10);
		return;
	}
	this.packetHandler.send(message);
	return true;
};

Dsq.NewFrames = function(url) {
	this.url = url;
};

Dsq.NewFrames.prototype.init = function(onFailure) {
	var that = this;

	try {
		this.messenger = new ParentMessenger(this.url, Dsq.jsonData.integration.receiver_url, this.container, this.receive_callback);
	} catch(e) {
		if (typeof onFailure == 'function') {
			onFailure();
		}
	}

	if (typeof onFailure == 'function') {
		var iId = window.setInterval(function() {
			if (typeof that.messenger == 'undefined') {
				window.clearInterval(iId);
				return;
			}
			if (that.messenger._ready) {
				window.clearInterval(iId);
			} else if (that.messenger._error) {
				window.clearInterval(iId);
				onFailure();
			}
		}, 10);
	}
};

Dsq.NewFrames.prototype._execute = function(method, args, callback) {
	var that = this;
	if (typeof that.messenger == 'undefined') {
		return false;
	}
	JsonRpc.execute(
		function(msg) { that.messenger.sendMessage(msg); },
		method,
		args || [],
		callback);
	return true;
};

Dsq.ReplyFrame = function(container, parent_post_id) {
	var that = this;
	this.container = container;
	this.parent_post_id = parent_post_id;

	var sendFunc = function(msg) {

		Dsq.Debug.log('Dsq.ReplyFrame.sendFunc');
		that.messenger.sendMessage(msg);
	};


	var postComment_onSuccess = function(response) {
		Dsq.jsonData.posts[response.message.id] = response.message.post_meta;
		if (!Dsq.jsonData.users[response.message.post_meta.user_key]) {
			Dsq.jsonData.users[response.message.post_meta.user_key] = response.message.user_meta;
		}


		var reply_position = (typeof(disqus_insert_wrt_sort) == 'undefined' 
			? (Dsq.jsonData.forum.reply_position ? -1 : null) 
			: (Dsq.jsonData.request.sort == 2 ? null : -1));
		
		if (response.message.post_meta.approved) {
			Dsq.Post.insert(response.message.post_meta.parent_post_id || reply_position, response.message.id, response.message.post_meta.message);
		}

		Dsq.Templates.postComment_onSuccess(response, parent_post_id, response.message.id);
	};

	var postComment_onFailure = function(response) {
		Dsq.Popup.popModal(response.message, 'Error');
		Dsq.Templates.postComment_onFailure(response, parent_post_id, response.message.id);
	};

	var editComment_onSuccess = function(response) {
		var post_id = parent_post_id;
		var message = Dsq.$('dsq-comment-message-' + post_id);
		
		message.innerHTML = response.message;
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};
	
	var editComment_onFailure = function(response) {
		var post_id = parent_post_id;
		
		Dsq.Popup.popModal('Sorry, there was an error editing this comment.', 'Edit Error');
		Dsq.Templates.toggleEdit(post_id);
		Dsq.Templates.setLoadingButton(false);
	};

	var getUserByEmail_onSuccess = function(response) {
		var msg = response.message;
		var fields = Dsq.Templates.getFormFields(parent_post_id);

		if (msg.username) {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'login', {
				'username': msg.username,
				'display_name': msg.display_name,
				'avatar_url': msg.avatar_url,
				'verified': msg.verified,
				'email': fields.email.value
			});
		} else {

			Dsq.Templates.lightboxAuthenticate(parent_post_id, 'register');
		}
	};

	var validateAuth_onSuccess = function(response, auth_choice) {
		Dsq.Templates.postComment(parent_post_id, null, true, auth_choice);
	};

	var validateAuth_onFailure = function(response, auth_choice) {
		var pid = parent_post_id ? '-' + parent_post_id : '';
		var msg = response.message;

		if (auth_choice == 'register') {
			var fields = ['email', 'username', 'password'];

			for (var i = 0; i < fields.length; i++) {
				var field = fields[i];
				var errorDiv = Dsq.$('dsq-' + field + '-errors' + pid);

				if (msg[field]) {
					errorDiv.innerHTML = msg[field];
				} else {
					errorDiv.innerHTML = '';
				}
			}
		} else if (auth_choice == 'login') {
			Dsq.$('dsq-lightbox-errors' + pid).innerHTML = '<p>We couldn\'t log you in. Please verify your login.</p>';
		}
		
		Dsq.Templates.setLoadingButton(false);
	};

	this.receive_callback = JsonRpc.createHandler(sendFunc, {
		'postComment.onSuccess': postComment_onSuccess,
		'postComment.onFailure': postComment_onFailure,
		'editComment.onSuccess': editComment_onSuccess,
		'editComment.onFailure': editComment_onFailure,		
		'getUserByEmail.onSuccess': getUserByEmail_onSuccess,
		'validateAuth.onSuccess': validateAuth_onSuccess,
		'validateAuth.onFailure': validateAuth_onFailure,
		'reload': function() { window.location.reload(); }
	});

	this.url = Dsq.Urls.REPLY +
		'?' + (new Date()).getTime() +
		'&f=consumerismcommentary' +
		'&t=be_a_financial_advisor' +
		'&ff=' + Dsq.Thread.ff +
		'&default_text=' + disqus_default_text +
		'&ifrs=' + encodeURIComponent(disqus_iframe_css);
	if (this.parent_post_id) {
		this.url += '&parent_post=' + this.parent_post_id;
	}
};

Dsq.ReplyFrame.prototype = new Dsq.NewFrames(Dsq.ReplyFrame.url);

Dsq.ReplyFrame.prototype.post = function(author_name, author_email, author_url, authenticate, sharing_services, subscribe) {
	this._execute('postComment', [author_name, author_email, author_url, authenticate, sharing_services, subscribe]);
};

Dsq.ReplyFrame.prototype.edit = function(post_id, message) {
	this._execute('editComment', [post_id, message]);
};

Dsq.ReplyFrame.prototype.setState = function(parent_post_id, depth) {
	this._execute('setState', [parent_post_id, depth]);
};

Dsq.ReplyFrame.prototype.getUserByEmail = function(email) {
	this._execute('getUserByEmail', [email]);
};

Dsq.ReplyFrame.prototype.validateAuth = function(auth_choice, email, username, password) {
	this._execute('validateAuth', [auth_choice, email, username, password]);
};

Dsq.ReplyFrame.prototype.authenticateFacebook = function(session, forum_url) {
	this._execute('authenticateFacebook', [session, forum_url]);
};

	Dsq.Facebook = function() {
	var that = this;

	var handleSessionData = function(session) {

		var forum_url = Dsq.jsonData.forum.url;




		if (typeof disqus_facebook_forum != 'undefined') {
			forum_url = disqus_facebook_forum;
		}
		Dsq.frames.reply_0.authenticateFacebook(session, forum_url);
	};

	var onLogin = function() {
		FB.Connect.getSignedPublicSessionData(handleSessionData);
	};

	this.login = function() {
		FB.Connect.requireSession(onLogin, true);
	};
};
Dsq.Facebook = new Dsq.Facebook();


	






Dsq.Themes = {};

Dsq.Themes.narcissus = new function() {
	this.addPostContainer = 'dsq-form-area';
	this.textareaContainer = 'dsq-textarea-wrapper';



	
	this.header = function() {
		var comments_count, total_posts, num_posts;
		var html = '';
		var missing_perm_tmpl;

		if (Dsq.jsonData.request.missing_perm) {
			missing_perm_tmpl = Dsq.Templates.missingPermissions();
			if (missing_perm_tmpl) {
				html += '<div class="dsq-missing-permissions">' + missing_perm_tmpl + '</div>';
			}
		}

		total_posts = Dsq.jsonData.thread.total_posts;
		num_posts = Dsq.jsonData.thread.num_posts;

		if (total_posts) {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_FULL(total_posts, num_posts);
		} else {
			comments_count = Dsq.FmtStrings.SHOWING_COMMENTS_WITHOUT_PAGINATION(num_posts);
		}

		html += ' \
		<div id="dsq-comments-title"> \
			<h3>' + comments_count + '</h3> \
		</div> \
		';

		html += ' \
		<div class="dsq-options"> \
			<span class="dsq-item-sort">'
				+ Dsq.Strings.SORT_BY + ' \
				<select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);"> \
					<option value="hot" ' + (Dsq.jsonData.request.sort == 4 ? 'selected="selected"' : '') + '>' + Dsq.Strings.POPULAR_NOW + '</option> \
					<option value="best" ' + (Dsq.jsonData.request.sort == 3 ? 'selected="selected"' : '') + '>' + Dsq.Strings.BEST_RATING + '</option> \
					<option value="newest" ' + (Dsq.jsonData.request.sort == 2 ? 'selected="selected"' : '') + '>' + Dsq.Strings.NEWEST_FIRST + '</option> \
					<option value="oldest" ' + (Dsq.jsonData.request.sort == 1 ? 'selected="selected"' : '') + '>' + Dsq.Strings.OLDEST_FIRST + '</option> \
				</select> \
				&nbsp; \
			</span> \
			<span class="dsq-subscribe-email"> \
				<img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle"> \
				<span id="dsq-subscribe">'
					+ (Dsq.jsonData.context.subscribed
						? '<a href="#" onclick="Dsq.Thread.subscribe(0); return false">' + Dsq.Strings.UNSUBSCRIBE + '</a>'
						: '<a href="#" onclick="Dsq.Thread.subscribe(1); return false">' + Dsq.Strings.SUBSCRIBE_BY_EMAIL + '</a>')
				+ '</span> \
			</span> \
			<span class="dsq-subscribe-rss" style="width:12px;height:12px;vertical-align:middle"> \
				<img src="http://media.disqus.com/images/embed/bullet-feed.png" alt="" /> \
				<a href="http://consumerismcommentary.disqus.com/be_a_financial_advisor/latest.rss">' + Dsq.Strings.SUBSCRIBE_BY_RSS + '</a> \
			</span> \
		</div> \
		';

		
		

		return html;

	};
	
	this.footer = function() {
		var html = '';

		html += Dsq.Templates.pagination();

		
		
			html += Dsq.Templates.realtime();
			html += Dsq.Templates.showThreadSettings();
			html += Dsq.Templates.postBox();

		html += Dsq.Templates.reactions();

		


		if (Dsq.jsonData.request.is_global_moderator) {
 			html += ' \
				<div class="dsq-global-moderator-extras">'
					+ '<strong>shortname:</strong> ' + Dsq.jsonData.forum.url
					+ '<strong>thread id:</strong> ' + Dsq.jsonData.thread.id
					+ '<strong>thread slug:</strong> ' + Dsq.jsonData.thread.slug
				+ '</div> \
			';
		}

		return html;
	};
	
	this.realtime = function() {
		var html = '';
		
		if (Dsq.jsonData.realtime_enabled) {
			html += '<div id="dsq-realtime-options" class="dsq-options">'
					 + Dsq.Strings.REALTIME_UPDATING_IS + ' <strong id="dsq-realtime-status" style="text-transform: lowercase">' + Dsq.Strings.ENABLED + '</strong>. \
					 <a href="#" id="dsq-realtime-toggle" style="text-transform: capitalize"></a> \
					</div>';
		}

		if (!Dsq.jsonData.forum.streaming_realtime) {
			html += ' \
				<div style="display: none" id="dsq-realtime-alert" class="dsq-realtime-alert"><span id="dsq-realtime-queued"></span> <a href="#" id="dsq-realtime-show"></a></div> \
			';
		}
		
		return html;
	};

	this.showThreadSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return '';
		}

		html = '<div id="dsq-thread-settings" class="dsq-thread-settings">' + Dsq.Strings.MODERATOR_OPTIONS;
		html += '<a href="#" onclick="Dsq.Thread.showSettings(); return false;">' + Dsq.Strings.SETTINGS + '</a>';
		if (Dsq.jsonData.forum.reactions_enabled && Dsq.jsonData.reactions.length === 0) {
			html += '<a href="#" onclick="Dsq.Reaction.reportMissingReactions(); return false;">'
						+ Dsq.Strings.REPORT_MISSING_REACTIONS
						+ '</a>';
		}
		html +='</div>';

		return html;
	};

	this.postBox = function(post_id, use_fallback_iframe) {


		var html;
		var display_sharing_options = Dsq.jsonData.request.is_authenticated;
		if (Dsq.jsonData.request.is_remote) {


			if (!Dsq.jsonData.request.sharing.hasOwnProperty(Dsq.jsonData.request.remote_domain)) {
				display_sharing_options = false;
			}
		}
		
		if (post_id) {
			var _meta = Dsq.jsonData.posts[post_id];
			var userData = Dsq.jsonData['users'][_meta.user_key];				
		}
		
		var pid = post_id ? '-' + post_id : '';

		var _requestUserInfo = function() {
			var html;



			var user_has_email = false;

			html = '<div class="dsq-request-user-info"> <!-- // If authenticated --> \
				<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.LOGOUT + '?ctkn=' + Dsq.CSRF_TOKEN + '" class="dsq-request-user-logout">' + Dsq.Strings.LOGOUT + '</a> \
				<table> \
					<tr> \
						<td rowspan="2">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' : '')
								+ '<img src="' + Dsq.Urls.REQUEST_USER_AVATAR + '" width="48" height="48" class="dsq-request-user-avatar">'
							+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '</a>' : '')
						+ '</td> \
						<td class="dsq-request-user-name">'
								+ (Dsq.jsonData.request.is_remote
									 ? '<span class="dsq-badge-small dsq-badge-' + Dsq.jsonData.request.remote_domain + '">' + Dsq.jsonData.request.remote_domain + '</span>'
									 : (Dsq.jsonData.request.is_verified
											? '<span class="dsq-badge-small dsq-badge-verified">Verified</span>'
											: '<span class="dsq-badge-small dsq-badge-registered">Registered</span>'))
							+ ' <a href="' + Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE + '">' + Dsq.jsonData.request.display_username + '</a>'
							+  (Dsq.jsonData.request.is_remote && user_has_email ? ' <small>(<a href="#" onclick="Dsq.Popup.remoteAccountSettings(); return false;">change settings</a>)</small>' : '')
							+  (!Dsq.jsonData.request.is_remote && !Dsq.jsonData.forum.disqus_auth_disabled ? ' <small>(<a href="' + Dsq.jsonData.settings.disqus_url + '/profile/info/" target="_blank">change name</a> or <a href="' + Dsq.jsonData.settings.disqus_url + '/profile/avatar/" target="_blank">picture</a>)</small>' : '')
						+ '</td> \
					</tr> \
					<tr> \
						<td class="dsq-request-user-stats"> \
							<span><big>' + Dsq.jsonData.request.comments_count + '</big> ' + (Dsq.jsonData.request.comments_count == 1 ? 'comment' : 'comments') + '</span> \
							<span><big>' + Dsq.jsonData.request.likes_count + '</big> ' + (Dsq.jsonData.request.likes_count == 1 ? 'like' : 'likes') + '</span> \
							<span><big>' + Dsq.jsonData.request.points + '</big> ' + (Dsq.jsonData.request.points == 1 ? 'point' : 'points') + '</span> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';
			return html;
		};

		var _loginOptions = function() {
			var html;
			html = ' \
			<div class="dsq-authenticate"> \
				<p class="dsq-autheneticate-copy">'
				+ (Dsq.jsonData.forum.allow_anon_post
					? Dsq.Strings.YOU_ARE_COMMENTING_AS_A + ' <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. ' + Dsq.Strings.OPTIONAL + ': ' + Dsq.Strings.LOGIN_BELOW + '.'
					: Dsq.Strings.REQUIRED + ': ' + Dsq.Strings.PLEASE_LOGIN_BELOW_TO_COMMENT + '.')
				+ '</p> \
				<ul class="dsq-login-buttons">'
					+ (!Dsq.jsonData.forum.disqus_auth_disabled ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Popup.login(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-disqus.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_fb_connect ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Facebook.login(); return false;"><img src="http://media.disqus.com/images/themes/narcissus/login-facebook.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_twitter_signin ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-twitter.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_openid ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.OpenID.requestURL(); return false" ><img src="http://media.disqus.com/images/themes/narcissus/login-openid.gif" /></a></li>' : '')
					+ (Dsq.jsonData.context.use_yahoo ? '<li class="dsq-login-button"><a href="#" onclick="Dsq.Yahoo.startYahooConnect(); return false"><img src="http://media.disqus.com/images/themes/narcissus/login-yahoo.gif" /></a></li>' : '')
				+ '</ul> \
			</div> \
			';
			return html;
		};

		if (!Dsq.jsonData.context.show_reply) {


			if (!Dsq.jsonData.request.is_authenticated) {



				return '<div id="dsq-form-area" style="display:none"><div id="dsq-textarea-wrapper"></div></div>' + _loginOptions();
			} else {
				return '';
			}
		}

		html = ' \
		<div id="' + (post_id 
			? 'dsq-reply-post-' + post_id
			: 'dsq-new-post')
		 	+ '" class="dsq-post-area"> \
			<div class="dsq-dc-logo"> \
				<a href="http://disqus.com/comments" target="_blank"><img src="http://media.disqus.com/images/themes/narcissus/disqus-logo.png"></a> \
			</div>'
			+ (post_id 
				? '<h3>' + Dsq.Strings.REPLYING_TO + ' ' + userData.display_name + '</h3>'
				: '<h3>' + Dsq.Strings.ADD_NEW_COMMENT + '</h3>')
			+ (Dsq.jsonData.request.is_authenticated 
				? _requestUserInfo()
				: _loginOptions() )
			+ '<div id="dsq-form-area' + pid + '">'
			+ '<div class="dsq-textarea"> \
				<div class="dsq-textarea-wrapper" id="dsq-textarea-wrapper' + pid + '"></div> \
			</div>'
			+ (!Dsq.jsonData.request.is_authenticated
			? ' \
			<div class="dsq-post-fields"> \
				<form action="." method="GET" onsubmit="Dsq.Templates.postComment(' + post_id + ', this, false); return false;"> \
				<table> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-name' + pid + '" type="text" value="' + (disqus_def_name ? disqus_def_name : (Dsq.jsonData.session.name ? Dsq.jsonData.session.name : Dsq.Strings.NAME + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'name\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'name\')" /></div></td> \
						<td class="dsq-post-fields-right"><div class="dsq-input-wrapper"><input id="dsq-field-website' + pid + '" type="text" value="' + (Dsq.jsonData.session.url ? Dsq.jsonData.session.url : Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')" class="dsq-placeholder') + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'website\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'website\')" /></div></td> \
					</tr> \
					<tr> \
						<td class="dsq-post-fields-left"><div class="dsq-input-wrapper"><input id="dsq-field-email' + pid + '" type="text" value="' + (disqus_def_email ? disqus_def_email : (Dsq.jsonData.session.email ? Dsq.jsonData.session.email : Dsq.Strings.EMAIL + '" class="dsq-placeholder')) + '" onfocus="Dsq.Templates.handlePlaceholder(event, this, \'email\')" onblur="Dsq.Templates.handlePlaceholder(event, this, \'email\')" /></div></td> \
						<td class="dsq-post-fields-right"> \
							<div class="dsq-subscribe"> \
								<a href="#" onclick="Dsq.Templates.chooseSubscribe(' + post_id + '); return false" class="dsq-subscribe-menu"><span id="dsq-subscribe-select' + pid + '">' + (Dsq.jsonData.request.subscribe_on_post ? Dsq.Strings.SUBSCRIBE_TO_ALL_COMMENTS_BY_EMAIL : Dsq.Strings.DO_NOT_SUBSCRIBE_TO_COMMENTS) + '</span> <small>&#9660;</small></a> \
								<ul class="dsq-panel" id="dsq-subscribe-menu' + pid + '"> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(2, this, ' + post_id + '); return false">Subscribe to all comments by email</a></li> \
									<li><a href="#" onclick="Dsq.Templates.setSubscribe(0, this, ' + post_id + '); return false">Do not subscribe to comments</a></li> \
								</ul> \
								<input id="dsq-subscribe-on-post' + pid + '" type="hidden" value="' + Dsq.jsonData.request.subscribe_on_post + '" /> \
							</div> \
						</td> \
					</tr> \
				</table> \
				</form> \
			</div>'
			: '')
			+ '<div class="dsq-post-footer"> \
				<div class="dsq-sharing-options" ' + (!display_sharing_options ? 'style="display:none;"' : '') + '> \
					<button class="dsq-button-small" onfocus="document.getElementById(\'dsq-post-button' + pid + '\').focus();"><span>' + Dsq.Strings.SHARING_OPTIONS + ' <small>&#9660;</small></span></button> \
					<div class="dsq-panel"> '
						+ (Dsq.jsonData.request.sharing.twitter !== undefined
								&& Dsq.jsonData.request.sharing.twitter.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-twitter' + pid + '"'
								  + (Dsq.jsonData.request.sharing.twitter.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-twitter' + pid + '">' + Dsq.Strings.SHARE_ON + ' Twitter</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.facebook
								&& (Dsq.jsonData.request.sharing.facebook.enabled === true ||
										(Dsq.jsonData.request.is_remote && Dsq.jsonData.request.remote_domain == 'facebook'))
							? '<div><input type="checkbox" id="dsq-sharing-facebook' + pid + '"'
									+ (Dsq.jsonData.request.sharing.facebook.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-facebook' + pid + '">' + Dsq.Strings.SHARE_ON + ' Facebook</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.yahoo !== undefined
								&& Dsq.jsonData.request.sharing.yahoo.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-yahoo' + pid + '"'
									+ (Dsq.jsonData.request.sharing.yahoo.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-yahoo' + pid + '">' + Dsq.Strings.SHARE_ON + ' Yahoo!</label> \
								</div>'
							: '')
						+ (Dsq.jsonData.request.sharing.tumblr !== undefined
								&& Dsq.jsonData.request.sharing.tumblr.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-tumblr' + pid + '"'
									+ (Dsq.jsonData.request.sharing.tumblr.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-tumblr' + pid + '">' + Dsq.Strings.SHARE_ON + ' Tumblr</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.wordpress !== undefined
								&& Dsq.jsonData.request.sharing.wordpress.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-wordpress' + pid + '"'
									+ (Dsq.jsonData.request.sharing.wordpress.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-wordpress' + pid + '">' + Dsq.Strings.SHARE_ON + ' Wordpress</label> \
								 </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.movabletype !== undefined
							  && Dsq.jsonData.request.sharing.movabletype.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-movabletype' + pid + '"'
									+ (Dsq.jsonData.request.sharing.movabletype.auto === true ? 'checked=true' : '') + '/> \
									<label for="dsq-sharing-movabletype' + pid + '">' + Dsq.Strings.SHARE_ON + ' Movable Type</label> \
							   </div>'
							: '')
						+ (Dsq.jsonData.request.sharing.typepad !== undefined
							  && Dsq.jsonData.request.sharing.typepad.enabled === true
							? '<div><input type="checkbox" id="dsq-sharing-typepad' + pid + '"'
									+ (Dsq.jsonData.request.sharing.typepad.auto === true ? 'checked=true' : '') + '/> \
								  <label for="dsq-sharing-typepad' + pid + '">' + Dsq.Strings.SHARE_ON + ' TypePad</label> \
							   </div>'
							: '')
						+ '<div><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections/" target="_blank" class="dsq-configure-options">' + Dsq.Strings.CONFIGURE_OPTIONS + '</a></div>'
					+ '</div> \
				</div>'
				+ '<button class="dsq-button" id="dsq-post-button' + pid + '" onclick="Dsq.Templates.postComment(' + post_id + ', this, false)"><span>' + Dsq.Strings.POST_AS + ' '
				+ (Dsq.jsonData.request.display_username
					? Dsq.jsonData.request.display_username
					: Dsq.Strings.GUEST)
				+ '</span></button>'
				+ (post_id
					? '<button class="dsq-button" id="dsq-cancel-button' + pid + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"><span>' + Dsq.Strings.CANCEL + '</span></button>'
					: '')
			+ '</div>'
			+ '</div>' // end dsq-form-area
		+ '</div> \
		';
		
		return html;
	};




	this.appendPost = function(post_id) {
		var html = '<div id="dsq-append-post-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		html = ' \
		<table> \
			<tr> \
				<td id="dsq-header-avatar-' + post_id + '" class="dsq-header-avatar" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
					<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
					+ (Dsq.jsonData.forum.show_avatar
					? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
					: '')
				+ '</a> \
				</td> \
				<td class="dsq-comment-header-meta"> \
		';

		
		return html;
	};
	
	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var html;
		var parent_display_name = '';
		
		if(_meta.parent_post_id) {

			var _parent_meta = Dsq.jsonData.posts[_meta.parent_post_id];

			if (_parent_meta) {
				var parentUserData = Dsq.jsonData['users'][_parent_meta.user_key];
				parent_display_name = parentUserData.display_name;
			}
		}

		html = ' \
		<img src="http://media.disqus.com/images/themes/narcissus/moderator.png" class="dsq-moderator-star" title="Moderator" /> \
		<span class="dsq-comment-header-time"><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')" title="Permalink">' + (_meta.is_realtime ? Dsq.Strings.JUST_NOW : _meta.date) + '</a></span> '
		+ (_meta.parent_post_id && parent_display_name
			? '<a href="#comment-' + _meta.parent_post_id + '" title="Jump to comment">in reply to ' + parent_display_name + '</a>'
			: '')
		+ '</td> \
		<td id="dsq-like-pts-' + post_id + '" class="dsq-comment-header-likes">'
		+ (_meta.points
			? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this.'
			: '')
		+ '</td> \
		</tr> \
		</table> \
		';
		return html;
	};

	this.preBody = function(post_id) {
		var html = '';
		return html;
	};

	this.postFooter = function(post_id) {
		var html;
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed || !_meta.approved) { return ''; }
		
		html = ' \
		<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
			<div class="dsq-comment-footer-left">'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
					? '<a href="#" onclick="Dsq.Templates.moderateOptions(' + post_id+ '); return false">' + Dsq.Strings.MODERATE + '</a>'
					: '')
				+ '<a href="#" id="dsq-post-report-' + post_id + '" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">' + Dsq.Strings.FLAG + '</a> \
			</div> \
			<div class="dsq-comment-footer-right">'
				+ (_meta.votable 
					? '<span id="dsq-like-' + post_id + '" class="dsq-like">'
					+ (!_meta.up_voted
						? '<button class="dsq-button-small" onclick="Dsq.Post.rate(this, ' + post_id + ', 1)" >Like</button>'
						: 'You liked this.&nbsp;&nbsp;')
					+ '</span>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<button class="dsq-button-small dsq-post-edit" onclick="Dsq.Post.edit(this, ' + post_id + ')" >' + Dsq.Strings.EDIT + '</button>'
					: '')
				+ (_meta.can_reply
					? '<span class="dsq-comment-footer-reply" id="dsq-comment-footer-reply-' + post_id + '" onclick="Dsq.Post.toggleReply(' + post_id +', this)"> \
						<button class="dsq-button-small">' + Dsq.Strings.REPLY + '</button> \
						<button class="dsq-comment-footer-reply-tab">' + Dsq.Strings.REPLY + '</button><span></span> \
					</span>'
					: '')
			+ '</div> \
		</div> \
		';
		
		return html;
	};



	
	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		var item = '<li class="dsq-comment dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-comment-header"> \
			<table> \
			<tr> \
			<td class="dsq-header-avatar"> \
			';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'" class="dsq-avatar">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {

			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar92.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += (reaction.author_url && reaction.author_url !== ''
				? '</a>'
				: '')
			+ '</td>'
			+ '<td><cite class="dsq-comment-cite">' + reaction.author_name + '</cite> <span class="dsq-comment-header-time">' + reaction.date_created + '</span></td>'
			+ '<td class="dsq-comment-header-likes"></td>'
			+ '</tr></table></div>' // end dsq-comment-header
			+ '<div class="dsq-reaction-header" \
				<table> \
					<tr> \
						<td class="dsq-reaction-header-left">'
							+ '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png" />'
							+ ' From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
							+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
						+ '</td>'
						+ '<td class="dsq-reaction-header-right">';
			
			if(reaction.retweets) {
				var num_retweets = reaction.retweets.length;
				if (num_retweets > 0) {
					if (num_retweets == 1) {
						item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
					} else {
						item += (num_retweets + ' more retweets from ');
						item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
						var n_tweets = (num_retweets > 3) ? 3 : num_retweets;
						item += Dsq.Templates.showRetweets(reaction.id, n_tweets);
						if (n_tweets != num_retweets) {
							item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
								+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
						}
					}
				}
			}	
			item += '</td></tr> \
			</table> \
			</div>' // end dsq-reaction-header
			+ '<div class="dsq-comment-body"> \
				<div class="dsq-comment-message">' + reaction.body + '</div>'
			+ '</div> \
			<div class="dsq-comment-footer"> \
				<div class="dsq-comment-footer-left"> \
				</div>'
				+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator 
					? ' \
					<div class="dsq-comment-footer-right"> \
						<button class="dsq-button-small dsq-hide-reaction" onclick="Dsq.Reaction.hide(' + reaction.id + ')">Hide</button> \
					</div>'
					: '')
			+ '</div>'
		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions" class="dsq-show-more-reactions"><button class="dsq-button-small" onclick="' + handler + '">Show more reactions</button></li>';
		}

		return '<h3 id="dsq-reactions-title" class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-container"> \
			<table> \
				<tbody> \
					<tr> \
						<td class="dsq-popup-tl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-tr"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-b"></td> \
						<td class="dsq-popup-body"> \
							<div class="dsq-popup-content"> \
								<div class="dsq-popup-title"> \
									<button class="dsq-button-small" style="float:right" onclick="Dsq.Popup._closePopup(null, true)">Close</button>' 
									+ content['header'] 
								+ '</div>'
								+ content['body']
							+ '</div> \
							<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
						</td> \
						<td class="dsq-popup-b"></td> \
					</tr> \
					<tr> \
						<td class="dsq-popup-bl"></td><td class="dsq-popup-b"></td><td class="dsq-popup-br"></td> \
					</tr> \
				</tbody> \
			</table> \
		</div> \
		';
	};



	
	this.chooseSubscribe = function(post_id) {

		var pid = post_id ? '-' + post_id : '';
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		menu.style.display = menu.style.display == 'block' ? 'none' : 'block';
		
	};
	
	this.setSubscribe = function(value, el, post_id) {

		var pid = post_id ? '-' + post_id : '';
		var input = Dsq.$('dsq-subscribe-on-post' + pid);
		var select = Dsq.$('dsq-subscribe-select' + pid);
		var menu = Dsq.$('dsq-subscribe-menu' + pid);
		
		select.innerHTML = el.innerHTML;
		input.value = value;
		this.chooseSubscribe(post_id);
	};
	
	this.getFormFields = function(post_id) {

		var fields = {};
		var pid = post_id ? '-' + post_id : '';
		var name = Dsq.$('dsq-field-name' + pid);
		var email = Dsq.$('dsq-field-email' + pid);
		var website = Dsq.$('dsq-field-website' + pid);
		var username = Dsq.$('dsq-field-username' + pid);
		var password = Dsq.$('dsq-field-password' + pid);

		fields = {
			'name': name,
			'email': email,
			'website': website,
			'username': username,
			'password': password
		}
		
		return fields;
	}
	
	this.validateFields = function(post_id) {
		
		if(Dsq.jsonData.request.is_authenticated) { return true; }
		
		var fields = Dsq.Templates.getFormFields(post_id);
		
		var nameField = fields.name;
		var websiteField = fields.website;
		var emailField = fields.email;
		
		websiteField.value = (websiteField.value == Dsq.Templates.placeholder['website']) ? '' : websiteField.value;
		
		var v = [{

			validator: Dsq.Validators.name,
			value: nameField.value
		}, {

			validator: Dsq.Validators.email,
			value: emailField.value
		}, {

			validator: Dsq.Validators.url,
			value: websiteField.value
		}];
		
		return Dsq.Validators.validate(v, function(e) { Dsq.Popup.popModal(e, 'Oops...') } );
	};
	
	this.checkExistingUser = function(post_id) {
		var fields = Dsq.Templates.getFormFields(post_id);		
		Dsq.Popup.loading(post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].getUserByEmail(fields.email.value);
		} else {
			Dsq.frames['reply_0'].getUserByEmail(fields.email.value);
		}
	};

	this.validateAuth = function(el_clicked, post_id, auth_choice) {
		var fields = Dsq.Templates.getFormFields(post_id);
		var email = fields.email ? fields.email.value : '';
		var username = fields.username ? fields.username.value : '';
		var password = fields.password ? fields.password.value : '';
		
		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		
		if (post_id) {
			Dsq.frames['reply_' + post_id].validateAuth(auth_choice, email, username, password);
		} else {
			Dsq.frames['reply_0'].validateAuth(auth_choice, email, username, password);
		}
	};

	this.lightboxUpdateEmail = function(post_id, new_email) {
		var fields = Dsq.Templates.getFormFields(post_id);
		fields.email.value = new_email;
	};

	this.lightboxAuthenticate = function(post_id, auth_choice, auth_data) {
		var title, body;
		var pid = post_id ? '-' + post_id : '';

		if(typeof(auth_data) == 'undefined') {
			var auth_data = Dsq.Templates.getFormFields(post_id);
		}

		d = auth_data;

		switch(auth_choice) {
			case 'register':
				var suggestedUsername = d.name.value.replace(/[^a-zA-Z0-9-]/g,'').toLowerCase();
			
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Register a <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';

				body = ' \
				<ul class="dsq-lightbox-register-reasons"> \
				<li>Verify your comments</li> \
				<li>Edit and delete comments</li> \
				<li>Manage comments and replies</li> \
				</ul> \
				';

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Email</td> \
							<td><input type="text" value="' + d.email.value + '" onchange="Dsq.Templates.lightboxUpdateEmail(' + post_id + ', this.value)" /><div id="dsq-email-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Username</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + suggestedUsername + '"/><div id="dsq-username-errors' + pid + '"></div></td> \
						</tr> \
						<tr> \
							<td>Password</td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /><div id="dsq-password-errors' + pid + '"></div></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'login\'); return false">Login instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Register and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			case 'login':
				title = Dsq.jsonData.forum.allow_anon_post ? 'Optional:' : 'Required:';
				title += ' Login to your <img src="http://media.disqus.com/images/embed/disqus-profile.png" alt=Disqus Profile" />';
				body = '';
				
				if(d.avatar_url) {
					body += '<div class="dsq-lightbox-recognized"><table><tr>';
					body += '<td><img src="' + d.avatar_url + '" alt="" /></td>';
					body += '<td><span class="dsq-badge ' + (d.verified ? 'dsq-badge-verified' : 'dsq-badge-registered') + '">' + (d.verified ? 'Verified' : 'Registered') + '</span></td>';
					body += '<td>Hey <strong>' + d.display_name + '</strong>, is that you? Login below to claim this comment.';
					body += '</tr></table></div>';
				}

				body += ' \
				<div class="dsq-lightbox-auth-fields"> \
					<table> \
						<tr> \
							<td>Username or Email</td> \
							<td><input id="dsq-field-username' + pid + '" type="text" value="' + (d.avatar_url ? d.username : '') + '" /></td> \
						</tr> \
						<tr> \
							<td>Password <a href="http://disqus.com/forgot" target="_blank">(cannot log in?)</a></td> \
							<td><input id="dsq-field-password' + pid + '" type="password" /></td> \
						</tr> \
					</table> \
					<div class="dsq-lightbox-switch-auth"><a href="#" onclick="Dsq.Templates.lightboxAuthenticate(' + post_id + ',\'register\'); return false">Register instead</a></div> \
				</div> \
				<div id="dsq-lightbox-errors' + pid + '" class="dsq-lightbox-errors"></div> \
				<div class="dsq-lightbox-submit"> \
					<div class="dsq-lightbox-auth-post"><button class="dsq-button" onclick="Dsq.Templates.validateAuth(this, ' + post_id + ',\'' + auth_choice + '\')">Login and Post comment</button></div>'
					+ (Dsq.jsonData.forum.allow_anon_post
						? '<div class="dsq-lightbox-auth-skip"><button class="dsq-button-small" onclick="Dsq.Templates.postComment(' + post_id + ', this, true)">Just post as a Guest</button></div>'
						: '')
				+ '</div> \
				';
				break;
			default:
				break;
		}
		Dsq.Popup.lightbox(body, title, post_id);
		Dsq.$('dsq-field-username' + pid).focus();
	};
	
	this.buttonsToRestore = [];
	this.setLoadingButton = function(btn, post_id) {
		var pid = post_id ? '-' + post_id : '';
		if (btn) {

			var loadingBtn = document.createElement('button');
			loadingBtn.id = btn.id + '-loading';
			loadingBtn.innerHTML = '<img src="http://media.disqus.com/images/loading-lite.gif" alt="" /> Just a moment...';
			loadingBtn.className = btn.className + ' dsq-post-loading';
			btn.parentNode.appendChild(loadingBtn);
			btn.style.display = 'none';
			var cancelBtn = Dsq.$('dsq-cancel-button' + pid);
			if(cancelBtn) { cancelBtn.style.display = 'none'; this.buttonsToRestore.push(cancelBtn); }
			this.buttonsToRestore.push(btn);
		} else {

			var buttons = this.buttonsToRestore;
			for(var i = 0; i < buttons.length; i++) {
				buttons[i].style.display = 'inline';
				Dsq.Utils.deleteNode(Dsq.$(buttons[i].id + '-loading'));
			}
		}
		
	};

	this.postComment = function(post_id, el_clicked, force, auth_choice) {
		var append_id = post_id ? '-' + post_id : '';
		var fields = Dsq.Templates.getFormFields(post_id);

		if (Dsq.Templates.validateFields(post_id)) {

			if (!Dsq.jsonData.request.is_authenticated && !force &&
				((!Dsq.Utils.readCookie('skipped_auth') && !disqus_skip_auth && !Dsq.jsonData.forum.disqus_auth_disabled) || !Dsq.jsonData.forum.allow_anon_post)) {
				Dsq.Templates.checkExistingUser(post_id);
				return false;
			}
			var params = [];
			if (!Dsq.jsonData.request.is_authenticated) {
				params.push(fields.name.value,
					fields.email.value,
					fields.website.value);

				if (auth_choice == 'login' || auth_choice == 'register') {
					params.push({
						auth_choice: auth_choice,
						username: fields.username.value,
						password: fields.password.value,
						email: fields.email.value
					});
				} else {
					params.push(null);
				}

				params.push(null /* sharing options */, Dsq.$('dsq-subscribe-on-post' + append_id).value);
			} else {
				var service_checked = function(name) {
					var el = Dsq.$('dsq-sharing-' + name + append_id);
					return (el !== null && el.checked === true) ? '1' : '0';
				};
				params.push(null, null, null, null, {
					tw: service_checked('twitter'),
					fb: service_checked('facebook'),
					tr: service_checked('tumblr'),
					wp: service_checked('wordpress'),
					mt: service_checked('movabletype'),
					tp: service_checked('typepad'),
					yh: service_checked('yahoo')
				});
			}

			var frame = Dsq.frames['reply_' + (post_id ? post_id : 0)];
			frame.post.apply(frame, params);

			if (el_clicked) {
				Dsq.Templates.setLoadingButton(el_clicked, post_id);
			}
			
			if (force) {
				Dsq.Utils.createCookie('skipped_auth', true);	
			}
			
		} else {
			return false;
		}
	};

	this.editComment = function(el_clicked, post_id) {
		var edited_message = Dsq.$('dsq-edit-textarea-' + post_id).value;

		Dsq.Templates.setLoadingButton(el_clicked, post_id);
		Dsq.frames['edit_' + post_id].edit(post_id, edited_message);
	};

	this.toggleEdit = function(post_id) {
		var body = Dsq.$('dsq-comment-body-' + post_id);
		var message = Dsq.$('dsq-comment-message-' + post_id);

		if (!Dsq.Post.stateEditToggled[post_id]) {


			message.style.display = 'none';
			if (Dsq.$('dsq-edit-' + post_id)) {
				Dsq.$('dsq-edit-' + post_id).style.display = 'block';
			} else {

				var edit_area = document.createElement('div');
				edit_area.id = 'dsq-edit-' + post_id;
				edit_area.className = 'dsq-edit dsq-textarea';
				edit_area.innerHTML = ' \
				<div class="dsq-textarea-wrapper"> \
					<textarea class="dsq-edit-textarea" id="dsq-edit-textarea-' + post_id + '">' + message.innerHTML + '</textarea> \
				</div> \
				<div class="dsq-save-edit"> \
					<button onclick="Dsq.Templates.editComment(this, ' + post_id + ')" class="dsq-button-small">Save Edit</button> \
				</div> \
				<div id="dsq-edit-iframe-' + post_id + '" style="display: none"></div> \
				';

				body.appendChild(edit_area);

				if (!Dsq.frames['edit_' + post_id]) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['edit_' + post_id] = new Dsq.ReplyFrame(Dsq.$('dsq-edit-iframe-' + post_id), post_id);
					Dsq.frames['edit_' + post_id].init();
					Dsq.frames['edit_' + post_id].setState(post_id, _meta.depth);
				}
			}
		} else {

			message.style.display = 'block';
			Dsq.$('dsq-edit-' + post_id).style.display = 'none';
		}
		
		Dsq.Post.stateEditToggled[post_id] = !Dsq.Post.stateEditToggled[post_id];
	};
	
	this.edit = function(el, post_id) {

		Dsq.Templates.toggleEdit(post_id);
	};

	this.toggleReply = function(post_id, button) {
		
		if(!this.stateReplyToggled[post_id]) {

			if (Dsq.$('dsq-reply-post-' + post_id)) {
				Dsq.$('dsq-append-post-' + post_id).style.display = 'block';
			} else {
				Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id);
				var container = Dsq.$('dsq-textarea-wrapper-' + post_id);
				if (!Dsq.frames['reply_' + post_id] && container) {
					var _meta = Dsq.jsonData.posts[post_id];
					Dsq.frames['reply_' + post_id] = new Dsq.ReplyFrame(container, post_id);
					Dsq.frames['reply_' + post_id].init(function() {

						Dsq.$('dsq-append-post-' + post_id).innerHTML = Dsq.Templates.postBox(post_id, true);
						Dsq.$('dsq-form-area-' + post_id).innerHTML = '';

						var theme = (typeof disqus_frame_theme == 'undefined') ? 'default' : disqus_frame_theme;
						Dsq.Iframes.showReplyIframeInContainer(Dsq.$('dsq-form-area-' + post_id), post_id, {theme: theme});

					});
					Dsq.frames['reply_' + post_id].setState(post_id, _meta.depth);
				}
			}
			Dsq.$('dsq-append-post-' + post_id).className = 'dsq-append-post';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply-active';
			
		} else {

			Dsq.$('dsq-append-post-' + post_id).style.display = 'none';
			Dsq.$('dsq-append-post-' + post_id).className = '';
			Dsq.$('dsq-comment-footer-reply-' + post_id).className = 'dsq-comment-footer-reply';
		}
		
		this.stateReplyToggled[post_id] = !this.stateReplyToggled[post_id];

		if(Dsq.Utils.ie && this.stateReplyToggled[post_id]) {

		}

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: post_id,
			opened: this.stateReplyToggled[post_id]
		});
	};
	
	this.moderateOptions = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		
		if(!Dsq.jsonData.request.is_moderator && !Dsq.jsonData.request.is_global_moderator) { return false; }

		var html;
		
		html = ' \
		<div class="dsq-moderate-options"> \
		<table>'
		+ (_meta.email ? '<tr><td>Email</td><td>' + _meta.email + '</td></tr>' : '')
		+ (_meta.ip ? '<tr><td>IP address</td><td>' + _meta.ip + '</td></tr>' : '')
		+ '<tr> \
			<td>Actions</td> \
			<td><ul>'
			+ (Dsq.jsonData.request.moderator_can_edit
				? '<li><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Edit Comment</a></li>'
				: '')
			+ '<li><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); Dsq.Popup._closePopup(null, true); return false;">Delete Comment</a></li> \
			<li><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); Dsq.Popup._closePopup(null, true); return false;">Mark Spam</a></li> \
			<li><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li> \
			</ul></td> \
			</table> \
		</div> \
		';
		
		html += '<p>Go to the full <a href="http://disqus.com/comments/moderate/" target="_blank">moderate panel</a> for more options.</p>';
		
		return Dsq.Popup.popModal(html, 'Moderate Options', post_id);
	};
	
	this.placeholder = {
		'class': 'dsq-placeholder',
		'name': Dsq.Strings.NAME,
		'email': Dsq.Strings.EMAIL,
		'website': Dsq.Strings.WEBSITE + ' (' + Dsq.Strings.OPTIONAL.toLowerCase() + ')'
	};
	
	this.handlePlaceholder = function(evt, el, key) {
		var placeholder = Dsq.Templates.placeholder[key];
		var className = Dsq.Templates.placeholder['class'];
		
		switch(evt.type) {
			case 'focus':
				if(el.value == placeholder) {
					el.value = '';
					el.className = '';
				}
				break;

			case 'blur':
				if(el.value == '') {
					el.value = placeholder;
					el.className = className;
				}
				break;
			default:
				break;
		}
	};
	
	this.paginate = function(page, el_clicked) {

		var extra_params = '';

		if(typeof disqus_per_page != 'undefined') {
			extra_params += '&per_page=' + disqus_per_page;
		}
		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			Dsq.Templates.setLoadingButton(el_clicked);
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'be_a_financial_advisor'
			+ '&p='		+ page
			+ extra_params);
	};
	
	
	this.rate = function(el, id, vote) {


		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
				Dsq.$('dsq-like-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
			}
			Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/vote.js'
				+ '?post_id='    + id
				+ '&vote='        + vote);
		} else {
			Dsq.Popup.login('To rate, please log in');
		}
	};

	this.voted = function(post_id, points, vote) {

		Dsq.$('dsq-like-pts-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this.';

		if(vote) {
			Dsq.$('dsq-like-' + post_id).innerHTML = 'You liked this.&nbsp;&nbsp;';
		}
	};




	this.postComment_onSuccess = function(response, parent_post_id, post_id) {
		var approved = response.message.post_meta.approved;

		if (parent_post_id) {
			Dsq.Post.toggleReply(parent_post_id);
		}

		Dsq.Popup._closePopup(null, true);
		
		if (approved) {
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		} else {			
			var unapproved_msg = 'Thanks for posting!\
	 Your comment must be approved by a moderator before appearing here.\
			';
			Dsq.Popup.popModal(unapproved_msg, 'Comment awaiting approval', post_id);
		}

		var sharing_results = response.message.sharing_results;
		var sharing_errors = '';
		for (var service in sharing_results) {
			if (sharing_results.hasOwnProperty(service) === true) {
				if (sharing_results[service].error === true) {
					sharing_errors += service + ', ';
				}
			}
		}

		if (sharing_results.facebook && sharing_results.facebook.callback) {
			FB.ensureInit(function() {
				FB.Connect.streamPublish('', sharing_results.facebook.attachment);
			});
		}

		if (sharing_errors !== '') {
			var message = 'Your comment was posted, but there were errors sharing with the following connections: ';
			message += sharing_errors.replace(/,\s$/, '');
			message += '<p><a href="' + Dsq.jsonData.settings.disqus_url + '/profile/connections" target="_blank">Configure your connections here</a></p>'
			Dsq.Popup.popModal(message, 'Sharing options');
		}

		Dsq.Templates.setLoadingButton(false);
	};

	this.postComment_onFailure = function(response, parent_post_id, post_id) {

		Dsq.Templates.setLoadingButton(false);
	};
};




// TODO: It might be faster to use string methods to find all <li (...) </li> blocks and pass to Dsq.PostHandler manually.
Dsq.CommentsHandler = function(str, head, post_id, content, tail, offset, s) {
	var prepend_post = Dsq.Templates.prependPost(post_id);
	var append_post = Dsq.Templates.appendPost(post_id);

	content = content.replace(Dsq.POST_RE, Dsq.PostHandler);
	Dsq.Templates.postLoopCounter++;
	head = Dsq.Templates.Filters.commentContainer(post_id, head);
	return prepend_post + head + content + tail + append_post;
};

Dsq.PostHandler = function(str, h_head, post_id, h_content, h_tail, b_head, b_content, b_tail, offset, s) {
	var prepend_header = Dsq.Templates.postPrependHeader(post_id);
	var append_header = Dsq.Templates.postAppendHeader(post_id);
	var prepend_body = Dsq.Templates.preBody(post_id);
	var append_body = Dsq.Templates.postBody(post_id);
	var append_footer = Dsq.Templates.postFooter(post_id);

	b_content = b_content.replace(Dsq.POST_BODY_RE, Dsq.PostBodyHandler);
	return h_head + prepend_header + h_content + append_header + h_tail + b_head + prepend_body + b_content + append_body + b_tail + append_footer;
};

Dsq.PostBodyHandler = function(str, head, post_id, content, tail, offset, s) {
	content = Dsq.Templates.Filters.commentContent(post_id, content);
	return head + content + tail;
};

Dsq.MediaPostHandler = function(str, args, offset, s) {
	args = args.split(' ');
	if(args[0] == 'seesmic') {
		return '<br />' + Dsq.Templates.mediaSeesmic(args[1], args[2]);
	}
	return '';
};


/**
 * Shorcuts
 */
Dsq.$ = function(element) { return document.getElementById(element); };
Dsq.$b = document.body || document.getElementsByTagName('body')[0];


/**
 * Dsq.Debug: Logging functions.
 */

Dsq.Debug = new function() {this.log=function(s){};this.profile=function(f){if(typeof f == 'function')return f();else return eval(f);};};


/**
 * Dsq.Urls: URL paths
 */
Dsq.Urls = new function() {
	this.LOGIN = '/profile/login/';
	this.LOGOUT = '/logout/';
	this.REPLY = 'http://consumerismcommentary.disqus.com/be_a_financial_advisor/reply.html';
	this.REQUEST_USER_PROFILE = '/AnonymousUser/';
	this.REQUEST_USER_AVATAR = 'http://media.disqus.com/uploads/forums/21/4864//avatar92.jpg';
};
// Dsq.Urls

/**
 * Dsq.Validators: Validation for form fields
 */
Dsq.Validators = new function() {
	this.VALID_EMAIL_RE = /^[a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*\@(([a-z0-9\-\_\+]+(\.[a-z0-9\-\_\+]+)*)+\.[a-z]{2,}|([0-9]+\.){3}[0-9]+)$/i;
	this.name = function(name) {
		var error = false;

		if(typeof Dsq.Templates.placeholder !== 'undefined' &&
		   name == Dsq.Templates.placeholder.name) {
			error = true;
		}
		if(name.length <= 1) {
			error = true;
		}

		if(error) {
			return "Please enter a name to comment.";
		} else {
			return true;
		}
	};
	this.email = function(addr) {
		if(Dsq.Validators.VALID_EMAIL_RE.test(addr)) {
			return true;
		} else {
			return "Please enter a valid email to comment.";
		}
	};
	this.url = function(addr) {
		if(!addr || addr.indexOf('.') != -1) {
			return true;
		} else {
			return "Please check your website URL (this field is optional).";
		}
	};

	this.validate = function(bulk_validation, failure_callback) {
		failure_callback = failure_callback || function(e){ alert(e); };

		for(var i = 0; i < bulk_validation.length; i++) {
			v = bulk_validation[i];
			ret = v.validator(v.value);
			if(ret !== true) {
				failure_callback(ret);
				return false;
			}
		}
		return true;
	};
};

/**
 * Dsq.Utils: Generic utility functions.
 */
Dsq.Utils = new function() {
	this.ie = /msie/i.test(navigator.userAgent) && !/opera/i.test(navigator.userAgent);
	this.ie7 = (document.all && !window.opera && window.XMLHttpRequest) ? true : false;
	this.ie6 = (!window.XMLHttpRequest) ? true: false;
	this.webkit = navigator.userAgent.indexOf('AppleWebKit/') >= 0;
	this.gebiFromElementCollectionCache = {};
	this._styleSheet = null;

	this.gebiFromElement = function(el, id, tag) {
		// This only method only helps IE.
		if(!this.ie) {
			return Dsq.$(id);
		} else {
			var cacheKey = el.id + '-' + tag;
			tag = tag || 'div';
			if(typeof this.gebiFromElementCollectionCache[cacheKey] != 'undefined') {
				collection = this.gebiFromElementCollectionCache[cacheKey];
			} else {
				collection = el.getElementsByTagName(tag);
				this.gebiFromElementCollectionCache[cacheKey] = collection;
			}

			for(var i = 0; i < collection.length; i++) {
				if(collection[i].id == id) {
					return collection[i];
				}
			}
			return null;
		}
	};

	this.execOnReady = function(func) {
		var node = document.createElement('document:ready');
		try {
			node.doScroll('left');
			func();
			node = null;
		} catch(err) {
			setTimeout(function() { Dsq.Utils.execOnReady(func); }, 10);
		}
	};


	// Courtesy of http://www.quirksmode.org/js/cookies.html
	this.createCookie = function(name,value,days) {
		if (days) {
			var date = new Date();
			date.setTime(date.getTime()+(days*24*60*60*1000));
			var expires = "; expires="+date.toGMTString();
		}
		else var expires = "";
		document.cookie = name+"="+value+expires+"; path=/";
	};

	this.readCookie = function(name) {
		var nameEQ = name + "=";
		var ca = document.cookie.split(';');
		for(var i=0;i < ca.length;i++) {
			var c = ca[i];
			while (c.charAt(0)==' ') c = c.substring(1,c.length);
			if (c.indexOf(nameEQ) == 0) return c.substring(nameEQ.length,c.length);
		}
		return null;
	};

	this.eraseCookie = function(name) {
		Dsq.Utils.createCookie(name,"",-1);
	};

	this.deleteNode = function(node) {
		if(node) {
			this.deleteChildren(node);
			if(typeof node.outerHTML != 'undefined') { node.outerHTML = ''; }
			else if(node.parentNode) { node.parentNode.removeChild(node); }
			delete node;
		}
	};

	this.deleteChildren = function(node) {
		if(node) {
			for(var x = node.childNodes.length-1; x >= 0; x--) {
				var childNode = node.childNodes[x];
				if(childNode.hasChildNodes()) { this.deleteChildren(childNode); }
				if(typeof childNode.outerHTML != 'undefined') { childNode.outerHTML = ''; }
				else node.removeChild(childNode);
				delete childNode;
			}
		}
	};

	this.findPos = function(obj) {
		var curleft = 0;
		var curtop = 0;
		if (obj.offsetParent) {
			do {
				curleft += obj.offsetLeft;
				curtop += obj.offsetTop;
			} while (obj = obj.offsetParent);
		}
		return [curleft,curtop];
	};

	this.getWindowSize = function() {
		var windowWidth = -1;
		var windowHeight = -1;

		if(typeof(window.innerWidth) == 'number') { //Non-IE
			windowWidth = window.innerWidth;
			windowHeight = window.innerHeight;
		} else if(document.documentElement) { // IE 6+ in 'standards compliant mode'
			windowWidth = document.documentElement.clientWidth || document.body.clientWidth;
			windowHeight = document.documentElement.clientHeight || document.body.clientHeight;
		}

		return [windowWidth, windowHeight];
	}

	this.getScrollPos = function() {
		var scrollWidth, scrollTop;

		if(document.documentElement && (document.documentElement.scrollTop || document.documentElement.scrollWidth)) {
			scrollWidth = document.documentElement.scrollWidth;
			// IE is weird here.  If no doctype is provided, document.body.scrollTop is 0,
			// otherwise document.documentElement.scrollTop is 0.
			scrollTop = document.documentElement.scrollTop || document.body.scrollTop;
		} else if(document.body.scrollTop && document.body.scrollWidth) {
			scrollWidth = document.body.scrollWidth;
			scrollTop = document.body.scrollTop;
		}

		return [scrollWidth, scrollTop];
	}

	this.addEventListener = function(instance, eventName, listener) {
		var listenerFn = listener;
		if (instance.addEventListener) {
			instance.addEventListener(eventName, listenerFn, false);
		} else if (instance.attachEvent) {
			listenerFn = function() {
				listener(window.event);
			};
			instance.attachEvent("on" + eventName, listenerFn);
		} else {
			throw new Error("Event registration not supported");
		}
		return {
			instance: instance,
			name: eventName,
			listener: listenerFn
		};
	};

	this.removeEventListener = function(event) {
		var instance = event.instance;
		if (instance.removeEventListener) {
			instance.removeEventListener(event.name, event.listener, false);
		} else if (instance.detachEvent) {
			instance.detachEvent("on" + event.name, event.listener);
		}
	};

	this.fixIframesIE = function(id) {
		var disqusThread = Dsq.$(disqus_container_id);
		var iframes = disqusThread.getElementsByTagName('iframe');

		if(id) {
			var container = Dsq.$(id);
		} else {
			var container = Dsq.$('dsq-content');
		}

		for(i = 0; i < iframes.length; i++) {
			if (container) {
				iframes[i].style.width = container.offsetWidth;
			}
		}
	};

	this.getElementsByClassName = function(oElm, strTagName, strClassName) {
	/* Credit: Jonathan Snook [http://www.snook.ca/jonathan], Robert Nyman [http://www.robertnyman.com] */
		var arrElements = (strTagName == "*" && oElm.all)? oElm.all : oElm.getElementsByTagName(strTagName);
		var arrReturnElements = new Array();
		strClassName = strClassName.replace(/\-/g, "\\-");
		var oRegExp = new RegExp("(^|\\s)" + strClassName + "(\\s|$)");
		var oElement;
		for(var i = 0; i < arrElements.length; i++) {
			oElement = arrElements[i];
			if(oRegExp.test(oElement.className)) {
				arrReturnElements.push(oElement);
			}
		}
		return (arrReturnElements);
	};

	this.postToUrl = function(url, post_data, opt_redirect) {
		var form = document.createElement('form');
		var iframe_container = document.createElement('div');
		var id = 'dsq-temp-iframe-' + (new Date()).getTime();

		form.method = 'POST';
		form.action = url;
		if (!opt_redirect) {
			form.target = id;
		}
		iframe_container.innerHTML = '<iframe style="display:none" name="' + id + '" id="' + id + '"></iframe>';

		for(var key in post_data) {
			if(post_data.hasOwnProperty(key)) {
				var input = document.createElement('input');
				input.name = key;
				input.type = 'hidden';
				input.value = post_data[key];

				form.appendChild(input);
			}
		}

		Dsq.$b.appendChild(iframe_container);
		Dsq.$b.appendChild(form);
		form.submit();
	};

	// Strips integer id from id of element in the form ('some-id-###')
	this.extractId = function(e) {
		var chunks = e.id.split('-');
		if(chunks.length <= 1) {
			return 0;
		} else {
			return parseInt(chunks[chunks.length-1]);
		}
	};

	this.getStyle = function(el, styleProp) {
		if(el.currentStyle) {
			var y = el.currentStyle[styleProp];
		} else if(window.getComputedStyle) {
			var y = document.defaultView.getComputedStyle(el, null).getPropertyValue(styleProp);
		}

		if(y == 'transparent' || y == '') {
			this.getStyle(el.parentNode, styleProp);
		} else {
			return y;
		}
	};

	this.execScript = function(url, append_qs, container) {
		var script = document.createElement('script');
		append_qs = typeof append_qs == 'undefined' ? true : append_qs;
		container = container || Dsq.container;

		if(append_qs) {
			var j = (url.indexOf('?') >= 0) ? '&' : '?';
			url += j + (new Date()).getTime();
		}
		script.type = 'text/javascript';
		script.charset = 'UTF-8';
		script.src = url;
		container.appendChild(script);
		return script;
	};

	this.pluralize = function(num, singular, plural) {
		return (num != 1) ? plural || 's' : singular || '';
	};

	this.getRequestParams = function(queryString /* optional */) {
		var pairs, tuple;
		var params = {};

		queryString = queryString || window.location.search.substring(1);
		pairs = queryString.split('&');

		for (var i = 0, pair; pair = pairs[i]; i++) {
			tuple = pair.split('=');
			params[tuple[0]] = (tuple[1] || true);
		}

		return params;
	};

	this.addCssRule = function(selector, styleText, index) {
		var stylesheet;
		index = index || 0;

		if(!this._styleSheet) {
			var styleEl = document.createElement('style');
			document.getElementsByTagName('head')[0].appendChild(styleEl);
			this._styleSheet = styleEl.sheet;
			if(!this._styleSheet) {
				// IE does not like our newly created stylesheet.
				this._styleSheet = document.styleSheets[document.styleSheets.length-1];
			}
		}
		stylesheet = this._styleSheet;

		if(stylesheet.insertRule) {
			var ruleText = selector + ' { ' + styleText + ' }';
			if(index == -1) {
				index = stylesheet.cssRules.length;
			}
			stylesheet.insertRule(ruleText, index);
		} else if(stylesheet.addRule) {
			stylesheet.addRule(selector, styleText, index);
		}
	};

	this.forEachIn = function(obj, callback) {
		for(var key in obj) {
			if(obj.hasOwnProperty(key)) {
				callback(key, obj[key]);
			}
		}
	};

	this._interpolateGlobalContext = {
		// values that get used a lot and are global to the request
		'profile_url': Dsq.Urls.REQUEST_USER_PROFILE,

		'disqus_url': Dsq.jsonData.settings.disqus_url,
		'media_url': Dsq.jsonData.settings.media_url,
		'request_username': Dsq.jsonData.request.username,
		'request_display_username': Dsq.jsonData.request.display_username,
		'forum_name': Dsq.jsonData.forum.name
	};

	this.renderFromContextStack = function(key, contexts) {
		// Returns the first instance of `key` in the array of objects `contexts` or else ''
		for (var i=0; i<contexts.length; i++) {
			if (contexts[i][key] !== undefined) {
				return String(contexts[i][key]);
			}
		}
		throw new Error('key ' + key + ' not found in context');
	};

	var that = this;
	this.interpolate = function(fmt, opt_localContext) {
		// Interpolate `fmt` named-format string with an assumed global context.
		// Based on `interpolate` in django.views.i18n
		var contextStack = [opt_localContext || {}, that._interpolateGlobalContext];
		return fmt.replace(/%\(\w+\)s/g, function(match){
			return that.renderFromContextStack(match.slice(2,-2), contextStack);
		});
	};

	this.stripTags = function(s) {
		// Removes HTML tags from `s`
		return s.replace(/(<([^>]+)>)/g,"");

	};

	this.assert = function(b) {
		if (!b) {
			throw new Error('Assertion error.');
		}
	};

};
// Dsq.Utils

/**
 * Dsq.Popup: Popup helper functions.
 */
Dsq.Popup = new function() {
	this.timeHide = new Array();
	this.timeShow = new Array();
	this.activePopup = {};
	this.profileCache = {};
	this.statusCache = {};

	this.showTimer = function(post_id) {
		// clear the hide timer
		clearTimeout(this.timeHide[post_id]);

		// start the timer
		if(!Dsq.Popup.profileIsOn && !Dsq.Thread.adminIsOn) {
			this.timeShow[post_id] = setTimeout("Dsq.Popup.popProfile(\"" + post_id + "\")", 400);
		}
	};

	this.hideTimer = function(post_id) {
		// clear the show timer
		clearTimeout(this.timeShow[post_id]);
	};

	this.updateProfile = function(username) {
		// Callback from /embed/profile.js
		if (this.statusCache[username]) {
			var statusEl = Dsq.$('dsq-profile-status-' + username);
			statusEl.innerHTML = this.statusCache[username];
			statusEl.style.display = 'block';
		}

		if (this.profileCache[username]) {
			var _cache = this.profileCache[username];

			var _genhtml = function(text) { return '<span><big>' + text + '</big></span>'; };
			var _no_comments = _genhtml(Dsq.FmtStrings.NUMBER_OF_COMMENTS(_cache.comments_count));
			var _no_likes = _genhtml(Dsq.FmtStrings.NUMBER_OF_LIKES(_cache.likes_count));
			var _no_points = _genhtml(Dsq.FmtStrings.NUMBER_OF_POINTS(_cache.points));

			var statsEl = Dsq.$('dsq-popup-profile-user-stats-' + username);
			statsEl.innerHTML = '';

			if (Dsq.jsonData.users[username].registered) {
				statsEl.innerHTML = _no_comments + _no_likes;
			}
			statsEl.innerHTML += _no_points;

			var activeSites = '';
			for (var i = 0; i < _cache.active_sites.length; i++) {
				var site = _cache.active_sites[i];
				activeSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (activeSites !== '') {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = activeSites;
			} else {
				Dsq.$('dsq-popup-profile-active-sites-' + username).innerHTML = 'This site.';
			}

			var moderatedSites = '';
			for (var i = 0; i < _cache.moderated_sites.length; i++) {
				var site = _cache.moderated_sites[i];
				moderatedSites += '<li><a href="' + site.url + '"> \
					<img src="' + site.favicon + '"/ width="16" height="16"/></a>\
					<a href="' + site.url + '">' + site.name + '</a></li>';
			}
			if (moderatedSites !== '') {
				Dsq.$('dsq-popup-profile-moderated-' + username).innerHTML = moderatedSites;
			} else {
				Dsq.$('dsq-popup-profile-moderated-wrapper-' + username).innerHTML = '';
			}
		}

		// Reposition popup after full HTML is rendered
		if(Dsq.Popup.activePopup && Dsq.Popup.activePopup.el) {
			Dsq.Popup.initPopup(Dsq.Popup.activePopup.el, Dsq.Popup.activePopup.id, Dsq.Popup.activePopup.type);
		}

	};

	this.showCookieMsgs = function() {
		var title = '';
		var message = '';
		var numAlerts = 0;

		Dsq.Utils.forEachIn(Dsq.jsonData.cookie_messages, function(k, v) {
			if (!v) return;

			switch(k) {
				// Cookie: Twitter
				case 'post_twitter':
					if (v === 'error') {
						title = 'Twitter Error!';
						message += '<li id="dsq-msg-twitter-error">Oops, we couldn\'t tweet this comment. Please check your <a href="http://disqus.com/account/services">account settings</a>.</li>';
					} else {
						var _msg = v.split(':');
						title = 'Tweeted!';
						message += '<li id="dsq-msg-twitter-success">Your comment was successfully tweeted. <a href="http://twitter.com/' + _msg[0] + '/status/' + _msg[1] + '">Click here to view the tweet</a>.</li>';
					}
					break;
				// Cookie: Unapproved Post
				case 'post_not_approved':
					title = 'Comment awaiting approval by a moderator';
					message += '<li id="dsq-msg-post-not-approved">Your comment must be approved by a moderator before appearing here.</li>';
					break;
				// Cookie: Profile Found
				case 'post_has_profile':
					title = 'Use your existing commenter profile';
					message += '<li id="dsq-msg-post-has-profile">You have just posted your commment as a <span class="dsq-badge-guest">Guest</span>, but you may already have a <span class="logo-disqus">Disqus</span> Profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a></li>';
					break;
				case 'user_created':
					var _data = v.split(':');
					title = 'Profile created!';
					message += '<li id="dsq-msg-user-created">You have just created a <span class="logo-disqus">Disqus</span> Profile, the best way to claim, manage, and track your comments all over the web. \
					<br /><br />A confirmation is being sent to <strong>' + _data[1] + '</strong>. Please check for this email in order to verify your profile. \
					<ul class="dsq-list-tick"> \
						<li>Your username is <strong>' + _data[0] +'</strong>. <a href="http://disqus.com/people/' + _data[0] + '/" target="_blank">Click here to view your public profile</a>.</li> \
						<li>Be sure to set your profile picture, as well as connect your <span class="dsq-badge-facebook">Facebook</span> and <span class="dsq-badge-twitter">Twitter</span> accounts. <a href="http://disqus.com/account/" target="_blank">Click here for account settings</a>.</li> \
					</ul> \
					</li>'
					break;
				default:
					break;
			}
			numAlerts++;
		});

		if(numAlerts > 1) {
			message = '<ul class="dsq-list-bluebullet">' + message;
			message += '</ul>';
			title = 'Thanks for posting!';
		}
		if(numAlerts > 0) {
			if(typeof(disqus_cookie_msgs) == 'function') {
				disqus_cookie_msgs(message, title);
			} else {
				Dsq.Popup.popModal(message, title);
			}
		}
	};

	this.helpBadges = function(post_id) {
		var html = ' \
			<ul class="dsq-popup-help"> \
				<li><span class="dsq-badge dsq-badge-verified">Verified</span> has a <span class="logo-disqus">Disqus</span> Profile with a confirmed email address.</li> \
				<li><span class="dsq-badge dsq-badge-registered">Registered</span> has a <span class="logo-disqus">Disqus</span> Profile, but has not yet confirmed his or her email address.</li> \
				<li><span class="dsq-badge dsq-badge-guest">Guest</span> is not logged in with any account and has not claimed his or her comments.</li> \
				<li class="dsq-help-otheraccts">Other accounts</li> \
				<li><span class="dsq-badge dsq-badge-facebook">Facebook</span> is using his or her Facebook profile via Facebook Connect.</li> \
				<li><span class="dsq-badge dsq-badge-twitter">Twitter</span> is using his or her Twitter profile via Twitter Sign-in.</li> \
				<li><span class="dsq-badge dsq-badge-openid">OpenID</span> is using his or her OpenID.</li> \
			</ul> \
		';

		this.popModal(html, 'Help: Types of Commenters', post_id);
		return;
	};

	this.permalink = function(post_id) {
		var header = 'Link to this comment';
		var body = '<strong>You are anchored to</strong>:<br />' + document.location.protocol + '//' + document.location.host + document.location.pathname + document.location.search + '#comment-' + post_id;

		this.popModal(body, header, post_id);
	};

	this.login = function(header, body) {
		var h = header || 'Login or Register';
		var b = body || '';
		b += Dsq.Templates.frameLogin({id: 'dsq-popup-login'});
		b += '</iframe>'; // HACK: Sometimes there is something funky with the IFRAME SRC that causes no end tag
		this.popModal(b, h, null, true, 'dsq-popup-login');
	};

	this.blacklist = function(id) {
		var _meta = Dsq.jsonData.posts[id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		var title = 'Add to Blacklist';
		var message = ' \
		Adding this person to the blacklist will block him or her from commenting on this site. Check the following types that you would like to add to the blacklist:'
		+ (userData['registered'] ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-username" type="checkbox" checked> \
				<label for="dsq-blacklist-username"><strong>Username</strong>: ' + userData['username'] + '</label> \
			</div>'
			: '')
		+ (_meta.email ?
			'<div class="dsq-blacklist-option"> \
				<input id="dsq-blacklist-email" type="checkbox" checked> \
				<label for="dsq-blacklist-email"><strong>Email address</strong>: ' + _meta.email + '</label> \
			</div>'
			: '')
		+ '<div class="dsq-blacklist-option"> \
			<input id="dsq-blacklist-ip" type="checkbox" onclick="Dsq.$(\'dsq-blacklist-ip-warning\').style.display=\'block\'"> \
			<label for="dsq-blacklist-ip"><strong>IP address</strong>: ' + _meta.ip + '</label> \
		</div> \
		';

		message += ' \
			<p id="dsq-blacklist-ip-warning" style="display:none">	\
				Note: Blocking this person\'s IP address may also unintentionally prevent others, who share his/her IP address, from commenting on this site. \
				This may include people who are sharing the same computer, living in the same house, or using the same Internet provider. Only block an IP address as a last resort. \
			</p> \
		';

		message += ' \
			<p style="text-align:center"><button onclick="Dsq.Post.blockUser(' + id + '); this.disabled=true; this.innerHTML=\'Just one moment...\'">Add to Blacklist</button></p> \
		';

		Dsq.Popup.popModal(message, title);
	};

	this.remoteAccountSettings = function() {
		var body = '';
		// Set up IFrame.
		var params = {};
		var base_url = 'http://disqus.com/forums/consumerismcommentary/_auth/embed/remote_settings/';
		var attributes = {id: 'dsq-popup-account-settings'};
		if (typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}

		body = Dsq.Templates._frameGeneric(base_url, params, attributes);
		this.popModal(body, 'Account Settings', null, true, 'dsq-popup-account-settings');
	};

	this.popModal = function(message, title, post_id, use_listener, extra_classes) {
		var container = document.createElement('div');
		var header, body;

		Dsq.Popup._closePopup(null, true);

		if(typeof(title) == 'undefined') { title = ''; }
		if(typeof(use_listener) == 'undefined') { use_listener = true; }

		if(post_id) {
			container.id = 'dsq-popup-message-' + post_id;
		} else {
			container.id = 'dsq-popup-message';
		}

		header = title;
		body = message;

		container.innerHTML = Dsq.Templates.popupModal(header, body);
		Dsq.Popup.initPopup(container, post_id, 'message', extra_classes);
		if(use_listener) {
			Dsq.Popup.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', Dsq.Popup._closePopup);
		}
	};

	this.popAlert = this.popModal;

	this.loading = function(post_id) {
		var title = Dsq.Strings.JUST_A_MOMENT;
		var body = '<div style="text-align:center; padding: 5px 0 10px 0"><img src="http://media.disqus.com/images/loading.gif" alt="" /></div>'
		Dsq.Popup.lightbox(body, title, post_id);
	};

	this.lightbox = function(message, title, post_id) {
		// Wraps Dsq.Popup.popModal

		var overlay = document.createElement('div');
		overlay.id = 'dsq-overlay';
		overlay.className = 'dsq-overlay';
		Dsq.$b.appendChild(overlay);
		
		Dsq.Popup.popModal(message, title, post_id, false, 'dsq-lightbox');
	};

	this.popProfile = function(post_id, userKey) {
		var post = Dsq.jsonData['posts'][post_id];
		if (post && post.has_been_anonymized) {
			Dsq.Popup.popModal('This message was anonymized by its previous owner.', 'Anonymized', post_id);
			return;
		}

		if(post_id) {
			userKey = Dsq.jsonData['posts'][post_id].user_key;	
		}
		var userData = Dsq.jsonData['users'][userKey];
		var elId = 'dsq-popup-profile-' + userKey;
		var container = document.createElement('div');

		if(this.activePopup.el) {
			this._closePopup(null, true);
			if(this.activePopup.linkClicked) {
				this.activePopup.linkClicked = false;
				return;
			}
		}

		container.id = elId;
		container.innerHTML = Dsq.Templates.popupProfile(userKey);

		this.initPopup(container, post_id, 'profile');
		this.popupListener = Dsq.Utils.addEventListener(document, 'mouseup', this._closePopup);

		if(!this.profileCache[userKey]) {
			Dsq.Utils.execScript('http://disqus.com/embed/profile.js'
				+ '?username=' + userKey
				+ '&anon=' + (userData['registered'] ? 0 : 1)
				+ '&f=' + Dsq.jsonData['request'].forum);
		} else {
			this.updateProfile(userKey);
		}
	};

	this._closePopup = function(e, force) {
		var activePopup = Dsq.Popup.activePopup.el;
		var id = Dsq.Popup.activePopup.id;
		var link = 'dsq-avatar-' + id; // HACK: Specific to profile toggle target

		// HACK: This event should be gone if there is no active popup.
		if(!activePopup) {
			return;
		}
		if(force || !Dsq.Popup.isClicked(e, activePopup.id)) {
			// TODO: This is breaking iE?
			if(Dsq.Popup.popupListener) {
				Dsq.Utils.removeEventListener(Dsq.Popup.popupListener);
			}
			
			// Kill overlay
			var overlay = Dsq.$('dsq-overlay');
			if(overlay) { Dsq.Utils.deleteNode(overlay); }
			
			try {
				Dsq.Utils.deleteNode(activePopup);
			} catch(e) {
				// HACK: IE6 throws an error when using deleteNode() with a node containing a <table> in the html.
				activePopup.parentNode.removeChild(activePopup);
			}
			Dsq.Popup.activePopup = {};
		}

		if(!force && Dsq.Popup.isClicked(e, link)) {
 			Dsq.Popup.activePopup.linkClicked = true;
		}

	};

	this.initPopup = function(popup, post_id, type, extra_classes) {
		popup.className = 'dsq-popup dsq-popup-' + type + ' ' + (extra_classes ? extra_classes : '');
		if(Dsq.Utils.ie6 || Dsq.Utils.ie7) {
			// HACK: We can't modify the body before it's ready, so we need
			//       to use an IE-safe "DOMReady" workaround before loading
			//       our popup.
			Dsq.Utils.execOnReady(function() {Dsq.$b.appendChild(popup); });
		} else {
			Dsq.$b.appendChild(popup);
		}

		popup.style.display = 'block';

		var xPos = (Dsq.Utils.getWindowSize()[0] - popup.offsetWidth) / 2;
		var yPos = (Dsq.Utils.getWindowSize()[1] - popup.offsetHeight) / 2;

		if(Dsq.Utils.ie6) {
			yPos += Dsq.Utils.getScrollPos()[1];
		}

		popup.style.left = xPos + 'px';
		popup.style.top = yPos + 'px';

		Dsq.Popup.activePopup = {
			'el' : popup,
			'id' : post_id,
			'type': type,
			'linkClicked' : false
		};
	};

	this.isClicked = function(e, id) {
		var t = e.target || e.srcElement;
		while(t && t.parentNode) {
			if(t.id == id) {
				return true;
			}

			t = t.parentNode;
		}
		return false;
	};
};
// Dsq.Popup

/**
 * Dsq.Templates
 */
Dsq.Templates = new function() {
	/*
	 * Counter keeping track of the number of posts iterated over.
	 */
	this.postLoopCounter = 0;
	this.filters = {};
	this.addPostContainer = 'dsq-post-add';
	this.textareaContainer = 'dsq-post-add';

	this.registerTemplate = function(name, func) {
		this['$$_' + name] = func;

		if(typeof DsqLocal.Filters != 'undefined'
		&& typeof DsqLocal.Filters[name] == 'function') {
			// Push filters to this.filters to unify code.
			this.filters[name] = this.filters[name] || [];
			this.filters[name].push(DsqLocal.Filters[name]);
		}

		this[name] = function() {
			var ret;

			if(typeof DsqLocal.Templates != 'undefined'
			&& typeof DsqLocal.Templates[name] == 'function') {
				ret = DsqLocal.Templates[name].apply(this, arguments);
			}

			if(ret === undefined) {
				ret = this['$$_' + name].apply(this, arguments);
			}

			if(this.filters[name]) {
				var args = [ret];

				args.push.apply(args, arguments);
				for(var i = 0; i < this.filters[name].length; i++) {
					ret = this.filters[name][i].apply(this, args);
				}
			}

			return ret;
		};
	};

	this.registerFilter = function(name, func) {
		this.filters[name] = this.filters[name] || [];
		this.filters[name].push(func);
	};

	/**
	 * Dsq.Templates.Filters
	 */
	this.Filters = new function() {
		this.commentContainer = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			var classes = [];
			if(Dsq.jsonData.request.page > 1) {
				classes.push('dsq-append');
			}

			//
			// Extra classes used for custom themes
			//

			if(_meta.depth) {
				classes.push('dsq-comment-child', 'dsq-depth-' + _meta.depth, 'dsq-parent-is-' + _meta.parent_post_id);
			}


			//

			if(_meta.author_is_creator) {
				// TODO: We need to deprecate the "special" class since it is not properly prefixed.
				classes.push('special', 'dsq-special');
			}
			if(_meta.author_is_moderator) {
				classes.push('dsq-moderator');
			}
			classes.push(['dsq-odd', 'dsq-even'][Dsq.Templates.postLoopCounter % 2]);

			s = s.substring(0, s.lastIndexOf('>'));
			return s + ' class="dsq-comment ' + classes.join(' ') + '" style="margin-left:' + _meta.depth*30 + 'px">';
		};

		this.commentContent = function(post_id, s) {
			var _meta = Dsq.jsonData.posts[post_id];
			if (_meta.killed) {
				return '<em>Comment removed.</em>';
			} else if (!_meta.approved) {
				return '<em>This comment was flagged for review.</em>';
			}

			s = s.replace(Dsq.MEDIA_POST_RE, Dsq.MediaPostHandler);
			return s;
		};
	};

	//
	// Thread
	//
	// TODO: These need to be stripped of all Django template tags.

	this.authPost = function() {
		if (!Dsq.jsonData.context.show_reply) {
			return '';
		}
		var result = [];
		result = result.concat([
				'<div id="dsq-auth"',
						Dsq.jsonData.integration.reply_position ? 'class="dsq-auth-bottom"' : '',
						'>',
					'<div class="dsq-by">',
						'<a href="http://disqus.com" target="_blank">',
							(Dsq.jsonData.integration.disqus_logo ?
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/by-disqus.png" alt="discussion by DISQUS">') :
								Dsq.Utils.interpolate('<img src="%(media_url)s/images/embed/dsq-button-120x19.png" alt="discussion by DISQUS">')
							),
						'</a>',
					'</div>',
					'<div class="dsq-auth-header">',
						'<h3 id="dsq-add-new-comment" class="dsq-h3-addcomment">',
								Dsq.Strings.ADD_NEW_COMMENT,
						'</h3>',
						'<div id="dsq-login">',
						(!Dsq.jsonData.request.is_authenticated && Dsq.jsonData.forum.allow_anon_post
								? '<p class="dsq-login-message" id="dsq-login-message">You are commenting as a <a class="dsq-help" title="Click for more information" href="#" onclick="Dsq.Popup.helpBadges(); return false">Guest</a>. You may select one to log into:</p>'
								: '')
		]);
		if (!Dsq.jsonData.request.is_authenticated) {
			result = result.concat([
							Dsq.Utils.interpolate(
								'<a id="dsq-login-toggle" href="%(disqus_url)s%(login_url)s?next=article:%(thread_id)s" onclick="Dsq.Popup.login(); return false"><img class="dsq-login-icon" src="%(media_url)s/images/dsq-profile-btn.png" title="%(log_into)s" alt="%(log_into)s"/></a>',
								{login_url: Dsq.Urls.LOGIN, thread_id: Dsq.jsonData.thread.id, log_into: Dsq.Strings.LOG_INTO_DISQUS}
								),
							'&nbsp; ',
							(Dsq.jsonData.context.use_fb_connect ?
								'<div id="dsq-fbc-login" onlogin="DisqusFbcParentController.onLogin()" size="medium" background="light" length="short" style="display:inline; margin-right:7px"></div>' :
								''
							),
							(Dsq.jsonData.context.use_twitter_signin ?
								Dsq.Utils.interpolate(
									'<div id="dsq-twitter-login" class="dsq-twitter-login" onclick="Dsq.Twitter.startTwitterConnect();" style="display:inline; cursor: pointer"><img src="%(media_url)s/images/twitter-signin-short.png" style="margin-right:7px" /></div>', {}) : ''),
							(Dsq.jsonData.context.use_openid ?
								Dsq.Utils.interpolate(
									'<div id="dsq-openid-login" class="dsq-openid-login" onclick="Dsq.OpenID.requestURL();" style="display:inline; cursor:pointer;"><img src="%(media_url)s/images/openid-login-button.png"/></div>', {}
								) : '')
			]);
		}
		result = result.concat([
						'</div>', // dsq-login
					'</div>', // dsq-auth-header
					'<div id="dsq-authenticated" class="dsq-authenticated" ',
						Dsq.jsonData.request.is_authenticated ? 'style="display:block"' : '',
						'>',
						'<div class="dsq-authenticated-pic">',
								Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">' +
																			'<img class="dsq-post-avatar" src="%(avatar_url)s" alt="" /></a>',
																			{avatar_url: Dsq.Urls.REQUEST_USER_AVATAR,
																			url: (Dsq.jsonData.request.is_remote
																					 ? Dsq.jsonData.request.url
																					 : Dsq.jsonData.settings.disqus_url + Dsq.Urls.REQUEST_USER_PROFILE) }),
						'</div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									(Dsq.jsonData.request.is_remote
										? Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(url)s" title="%(request_display_username)s">%(request_display_username)s</a>', {url:Dsq.jsonData.request.url})
										  )
										: Dsq.FmtStrings.LOGGED_IN_AS(
												Dsq.Utils.interpolate('<a href="%(disqus_url)s%(profile_url)s" title="%(request_display_username)s">%(request_display_username)s</a>')
											)
									),
								'</li>',
								'<li class="logout">',
									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<img class="dsq-login-icon" src="%(media_url)s/images/dsqicon12.png" alt="%(logged_in_as)s"/>&nbsp',
											{logged_in_as: Dsq.FmtStrings.LOGGED_IN_AS(Dsq.jsonData.request.display_username)})
										: ''),

									(!Dsq.jsonData.request.is_remote
										? Dsq.Utils.interpolate('<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="%(logout_from_disqus)s">',
											{logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN, logout_from_disqus: Dsq.FmtStrings.LOGOUT_FROM('DISQUS')})
										: ((Dsq.jsonData.request.remote_domain == 'twitter')
												? Dsq.Utils.interpolate('using Twitter (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
												 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
												: ((Dsq.jsonData.request.remote_domain == 'openid')
													 ? Dsq.Utils.interpolate('using OpenID (<a href="%(disqus_url)s%(logout_url)s?ctkn=%(csrf_token)s" title="Logout">Logout</a>)',
													 {logout_url: Dsq.Urls.LOGOUT, csrf_token: Dsq.CSRF_TOKEN})
													 : ''
													)
											)
									),

									(!Dsq.jsonData.request.is_remote ? Dsq.FmtStrings.LOGOUT_FROM('<span class="logo-disqus">DISQUS</span>') : ''),
									'</a>',
								'</li>',
							'</ul>',
						'</div>',
					'</div>'
		]);
		if (Dsq.jsonData.context.use_fb_connect) {
			result = result.concat([
					'<div id="dsq-fbc-authenticated" class="dsq-authenticated">',
						'<div id="dsq-fbc-profilepic" class="dsq-authenticated-pic" uid="loggedinuser" type="FB.XFBML.ProfilePic" size="square" facebook-logo="true"></div>',
						'<div class="dsq-authenticated-info">',
							'<ul>',
								'<li>',
									'Logged in as <span id="dsq-fbc-name" uid="loggedinuser" type="FB.XFBML.Name" linked="true" useyou="false"></span>',
								'</li>',
								'<li class="logout">using Facebook Connect <a href="#" onclick="javascript:DisqusFbcParentController.logout();return false;">(Logout)</a></li>',
							'</ul>',
						'</div>',
					'</div>'
			]);
		}
		result = result.concat([
				'</div>', // dsq-auth
				'<div id="dsq-toolbar-items">',
				'</div>'
		]);
		result = result.concat([
					//
					//
					//
				((!Dsq.jsonData.forum.allow_anon_post && !Dsq.jsonData.request.is_authenticated) ?
					// Needs to be translated:
					('<p id="dsq-no-anon-msg">Required: Please log into <span class="logo-disqus">Disqus</span> ' +
					(Dsq.jsonData.context.use_fb_connect ? 'or connect with Facebook ' : '') +
					(Dsq.jsonData.context.use_twitter_signin ? 'or sign in with Twitter ' : '') +
					(Dsq.jsonData.context.use_openid ? 'or sign in using OpenID ' : '') +
					Dsq.Utils.interpolate('to comment on <strong>%(forum_name)s</strong>.</p>')) :
					''
				),
				'<div id="dsq-post-add"></div>',
				'<div style="margin:10px 0">',
				((Dsq.jsonData.forum.use_media) ?
						'<a href="#" id="dsq-media-link" onclick="Dsq.Post.showMenu(this, false, \'media\'); return false">' + Dsq.Strings.USE_MEDIA + ' <small>&#9660;</small></a>' :
						''),
				'</div>'
		]);
		return result.join('');
	};


	this.header = function() {

		var html = '\<h3 id="dsq-comments-count" class="dsq-h3-commentcount">\
	 <span id="dsq-num-posts">59</span> Comments\
	 &nbsp;\
	 <span class="dsq-item-feed">\
	 <a href="http://consumerismcommentary.disqus.com/be_a_financial_advisor/latest.rss"><img src="http://media.disqus.com/images/embed/bullet-feed.png"></a>\
	 </span>\
	 </h3>\
	 <div id="dsq-options" style="margin:15px 0">\
	 <span class="dsq-item-sort">\
	 Sort by\
	 <select id="dsq-sort-select" onchange="Dsq.Thread.sortBy(this.value);">\
	 <option value="hot" selected="selected">Popular now</option>\
	 <option value="best" >Best Rating</option>\
	 <option value="newest" >Newest first</option>\
	 <option value="oldest" >Oldest first</option>\
	 </select>\
	 &nbsp;\
	 </span>\
	 <span class="dsq-item-cp"><a href="http://consumerismcommentary.disqus.com/be_a_financial_advisor/">Community Page</a>&nbsp;&nbsp;&nbsp;</span>\
	 <span class="dsq-item-subscribe">\
	 <img src="http://media.disqus.com/images/embed/email.png" style="width:12px;height:12px;vertical-align:middle">\
	 <span id="dsq-subscribe">\
	 <a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a>\
	 </span>\
	 </span>\
	 </div>\
	 <div id="dsq-alerts">\
	 </div>\
		';

		

		
		if (Dsq.jsonData.request.is_moderator) { 
			html = ' \
			<div class="dsq-alert-message dsq-upgrade-message"> \
				<strong>Disqus upgrade available.</strong> Hi ' + Dsq.jsonData.request.display_username + ', this message is being displayed to you because you are a moderator of this site. <a href="#" onclick="Dsq.$(\'dsq-upgrade-message\').style.display=\'block\';this.style.display=\'none\';return false">Click here for details.</a> \
				<div style="display:none; margin-top:10px;" id="dsq-upgrade-message"> \
					A new theme is available with added features. <a href="http://disqus.com/comments/settings/' + Dsq.jsonData.forum.url + '/?p=customize">To change your theme, click here</a> and choose the theme Narcissus. \
					If you do not upgrade, you are missing out on features such as: real-time commenting, new sign-in integrations, and an upgrade interface. \
					<strong>This message will automatically go away in one week.</strong> \
				</div> \
			</div> \
			' + html; 
		}
		return html;
	};

	this.footer = function() {
		var html = Dsq.Templates.pagination();

		
			html += Dsq.Templates.authPost();
		

		html += Dsq.Templates.reactions();

		

		return html;
	};

	this.pagination = function() {
		var html = '';
		
		if (Dsq.$('dsq-pagination')) { Dsq.$('dsq-pagination').innerHTML = ''; }
		if (!Dsq.jsonData.thread.paginate) { return ''; }

		//
		// TODO: num_paginator still uses the template tag for pagination, 
		// 		while append_paginator does it all in JavaScript.
		//		This should all be in JavaScript.
		//

		if (Dsq.jsonData.thread.num_pages > 1 && Dsq.jsonData.request.page < Dsq.jsonData.thread.num_pages) {
			html = ' \<a class="dsq-paginate-append-text" href="#" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this); return false">Show more comments...</a>\
	 <button class="dsq-button-small dsq-paginate-append-button" onclick="Dsq.Thread.paginate(Dsq.jsonData.request.page + 1, this);">Load more comments</button>\
			';
		}
		
		if (Dsq.$('dsq-pagination')) {
			Dsq.$('dsq-pagination').innerHTML = html;
			return '';
		} else {
			return '<div id="dsq-pagination" class="dsq-pagination">' + html + '</div>';
		}
	};

	this.trackbacks = function() {
		var html = '';

		if(typeof DsqLocal != 'undefined' && DsqLocal.trackback_url && DsqLocal.trackbacks) {
			var trackbacks = DsqLocal.trackbacks;
			var trackback_url = DsqLocal.trackback_url;
		} else {
			var trackbacks = [
			
			
			];
			var trackback_url = 'http://consumerismcommentary.disqus.com/be_a_financial_advisor/trackback/';
		}

		html += '<div class="dsq-item-trackback">Trackback URL&nbsp;&nbsp;<input class="dsq-trackback-url" onclick="this.select()" readonly="true" value="' + trackback_url + '"></div>';

		if(trackbacks.length) {
			html += '<ul id="dsq-references">'
			for(var i = 0; i < trackbacks.length; i++) {
				var trackback = trackbacks[i];
				html += '<li><cite><a href="' + trackback.author_url + '" rel="nofollow">' + trackback.author_name + '</a></cite> \
						<p class="dsq-meta">' + trackback.date + '</p> \
						<p class="dsq-content">' + trackback.excerpt + '</p></li>';
			}
			html += '</ul>';
			html = '<h3 class="dsq-h3-trackbacks">Trackbacks</h3>' + html;
		}

		return html;
	}

	this.showRetweets = function(id, limit, element_id /* Optional */) {
		var source, html = '';

		for (var i = 0, reaction; reaction = Dsq.jsonData.reactions[i]; i++) {
			if (reaction.id === id) {
				source = reaction.retweets;
			}
		}

		if (source) {
			if (limit === 0) {
				limit = source.length;
			}

			for (var j = 0; j < limit; j++) {
				var rt = source[j];
				html += '<a href="' + rt.url + '">' + rt.author_name + '</a>'	+ ((j === (limit - 1)) ? '.' : ', ');
			}
		}

		if (element_id === undefined) {
			return html;
		}

		var element = document.getElementById(element_id);
		element.innerHTML = html;
		return element;
	};

	this.showMoreReactions = function(reactions, has_more, start, limit) {
		var link = document.getElementById('dsq-show-more-reactions');
		var container = link.parentNode;
		container.removeChild(link);

		for (var i = 0, reaction; reaction = reactions[i]; i++) {
			var el = Dsq.Templates.generateReactionHTML(reaction);
			if (el) {
				container.innerHTML += el;
			}
		}

		if (has_more) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = start;
			var l = limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			container.innerHTML += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}
	};

	this.generateReactionHTML = function(reaction) {
		if (reaction.body === null || reaction.body == '') {
			return;
		}

		if (reaction.author_name === '') {
			reaction.author_name = '&nbsp;';
		}

		if (reaction.url === '') {
			reaction.url = reaction.get_service_url;
		}

		/* Reaction HTML begins */
		var item = '<li class="dsq-reaction" id="dsq-reaction-' + reaction.id + '">'
			+ '<div class="dsq-reaction-header">'
			+ '<div class="dsq-header-avatar">';

		if (reaction.author_url && reaction.author_url !== '') {
			item += '<a target="_blank" href="' + reaction.author_url +'">';
		} else {
			item += '<a target="_blank" href="#" onclick="return false;">';
		}

		if (reaction.avatar_url && reaction.avatar_url !== '') {
			item += '<img src="' + reaction.avatar_url + '"/>';
		} else {
			item += '<img src="' + Dsq.jsonData.media_url + '/images/noavatar32.png"/>';
		}

		var service_icon = (reaction.get_service_name == 'trackback' || reaction.get_service_name == 'pingback' ? 'rss' : reaction.get_service_name.replace(' ', ''));
		item += '<img class="dsq-service-icon" src="' + Dsq.jsonData.media_url + '/images/reactions/services/' + service_icon + '.png"/>'
			+ '</a></div>'
			+ '<cite><span>' + reaction.author_name + '</span></cite>'
			+ '<span class="dsq-header-meta"><a class="dsq-header-time">' + reaction.date_created + '</a></span>'
			+ '</div><div class="dsq-reaction-body">'
			+ '<div class="dsq-reaction-message">' + reaction.body + '</div>'
			+ '<div class="dsq-reaction-footer">From <a class="dsq-service-name" target="_blank" href="' + reaction.url + '">' + reaction.get_service_name + '</a> '
			+ 'via ' + (reaction.source == 'backtype' ? '<a href="http://backtype.com/">BackType</a>' : '<a href="' + reaction.source_url + '">UberVU</a>')
			+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator ? '&nbsp;&bull;&nbsp;<a class="dsq-hide-reaction" href="#" onclick="Dsq.Reaction.hide(' + reaction.id + '); return false;">Hide</a>' : '') + '</div></div>';

		if(reaction.retweets) {
			var num_retweets = reaction.retweets.length;
			if (num_retweets > 0) {
				item += '<div class="dsq-reaction-retweets">';
				if (num_retweets == 1) {
					item += 'One more retweet from <a href="' + reaction.retweets[0].url + '">'  + reaction.retweets[0].author_name + '</a>';
				} else {
					item += (num_retweets + ' more retweets from ');

					item += '<span id="dsq-reaction-retweets-' + reaction.id + '">';
					var n_tweets = (num_retweets > 15) ? 15 : num_retweets;
					item += Dsq.Templates.showRetweets(reaction.id, n_tweets);

					if (n_tweets != num_retweets) {
						item += '</span> <a onclick="Dsq.Templates.showRetweets(' + reaction.id + ', 0, \'dsq-reaction-retweets-' + reaction.id + '\');'
							+ 'this.parentNode.removeChild(this); return false;" href="#">Show all</a>';
					}
				}
				item += '</div>';
			}
		}

		item += '</li>'; /* Reaction HTML ends */
		return item;
	};

	this.reactions = function() {
		var html, reaction;

		if (Dsq.jsonData.reactions === undefined || Dsq.jsonData.reactions.length === 0) {
			return '';
		}

		html = '';
		for (var i = 0; reaction = Dsq.jsonData.reactions[i]; i++) {
			var item = Dsq.Templates.generateReactionHTML(reaction);
			if (item) {
				html += item;
			}
		}

		if (Dsq.jsonData.has_more_reactions) {
			var d = Dsq.jsonData.settings.disqus_url;
			var f = Dsq.jsonData.forum.url;
			var t = Dsq.jsonData.thread.id;
			var s = Dsq.jsonData.reactions_start;
			var l = Dsq.jsonData.reactions_limit;

			var handler = 'Dsq.Utils.execScript(\'' + d + '/forums/' + f + '/more_reactions.js?t=' + t + '&s=' + s + '&l=' + l + '\', true); return false;';
			html += '<li id="dsq-show-more-reactions"><a href="#" onclick="' + handler + '">Show more reactions</a></li>';
		}

		return '<h3 class="dsq-h3-reactions">Reactions</h3><ul id="dsq-reactions" class="dsq-reactions">' + html + '</ul>';
	};
	
	this.missingPermissions = function() {
		return '';
	};

	//
	// Post
	//

	this.prependPost = function(post_id) {
		var html = '<div id="comment-' + post_id + '"></div>';
		return html;
	};

	this.appendPost = function(post_id) {
		var html = '<div id="dsq-comment-reply-' + post_id + '"></div>';
		return html;
	};

	this.postPrependHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};

		return ' \
			<div class="dsq-header-avatar" id="dsq-header-avatar-' + post_id + '" onmouseover="Dsq.Post.dropProfile(' + post_id + ')"> \
				<a id="dsq-avatar-' + post_id + '" class="dsq-avatar" href="' + userData.url + '" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">'
			+ (Dsq.jsonData.forum.show_avatar
				? '<img src="' + Dsq.jsonData.users[_meta.user_key].avatar + '" alt="" />'
				: '')
			+ '</a>'
			+ '</div> \
		';
	};

	this.postAppendHeader = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];

		return ''
			+ (_meta.author_is_moderator
				? '<img class="dsq-mod-star" src="http://media.disqus.com/images/bullet-star.png" title="Moderator" alt="" />'
				: '')
			+ '<span class="dsq-header-meta"> \
				<a id="dsq-time-' + post_id + '" class="dsq-header-time" href="#comment-' + post_id + '" title="Permalink">' + _meta.date + '</a> \
			</span>';
	};

	this.preBody = function(post_id) {
		return '';
	}

	this.postBody = function(post_id) {
		// TODO: Deprecate flagging conditional
		var _meta = Dsq.jsonData.posts[post_id];
		return ''
			+ (_meta.edited
				? '<p class="dsq-editedtxt">(Edited by a moderator)</p>'
				: '')
			;
	};

	this.postFooter = function(post_id) {
		// TODO: Use media should be conditional
		var _meta = Dsq.jsonData.posts[post_id];
		if(_meta.killed) { return ''; }

		return ' \
			<div class="dsq-comment-footer" id="dsq-comment-footer-' + post_id + '"> \
				<div id="dsq-points-' + post_id + '" class="dsq-likedtxt">'
				+ (_meta.points
					? _meta.points + Dsq.Utils.pluralize(_meta.points, ' person', ' people') + ' liked this comment.'
					: '')
				+ '</div>'
				+ '<ul class="dsq-comment-options dsq-list-style">'
				+ (_meta.votable
					? '<li class="dsq-list-first dsq-rate" id="dsq-rate-cont-' + post_id + '">'
					+ (!_meta.up_voted
						? '<a href="#" onclick="Dsq.Post.rate(this, ' + post_id + ', 1); return false;">Like</a>'
						: 'You liked this.') + '</li>'
					: '')
				+ '<li class="dsq-report' + (!_meta.votable ? ' dsq-list-first' : '') + '" id="dsq-post-report-' + post_id + '"><a href="#" class="dsq-post-report" onclick="Dsq.Post.report(' + post_id + ', false); return false;">Report</a></li> \
				</ul> \
				<ul class="dsq-list-style">'
				+ (_meta.can_reply
					? '<li class="dsq-list-first"><a href="#" id="dsq-reply-link-' + post_id +'" onclick="Dsq.Post.toggleReply(this, ' + post_id +'); return false;">Reply</a></li>'
					: '')
				+ (_meta.can_reply && !_meta.has_replies && _meta.from_request_user
					? '<li id="dsq-edit-el-' + post_id + '"><a id="dsq-edit-link-' + post_id + '" href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit</a></li>'
					: '')
				+ '<li class="' + (!_meta.can_reply ? 'dsq-list-first' : '') + '" id="dsq-more-el-' + post_id + '"><a id="dsq-more-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'more\'); return false">More <small>&#9660;</small></a></li>'
				+ (Dsq.jsonData.forum.use_media
					? '<li id="dsq-media-el-' + post_id +'" style="display:none"><a id="dsq-media-link-' + post_id + '" href="#" onclick="Dsq.Post.showMenu(this, ' + post_id + ', \'media\'); return false">Use Media <small>&#9660;</small></a></li>'
					: '')
				+ '</ul>'
				+ '<div id="dsq-reply-bar-' + post_id + '" class="dsq-reply-bar" style="display:none"> \
						<div id="dsq-reply-bar-items-' + post_id + '" class="dsq-reply-bar-items"> \
						</div> \
						<div id="dsq-reply-bar-auth-' + post_id + '" class="dsq-reply-bar-auth"> \
							 \
								 \
								 	<a href="#" class="dsq-help dsq-reply-req-opt" title="You are commenting as a Guest. You may choose to log into an existing DISQUS Profile, your Facebook, Twitter or OpenID account to comment on Consumerism Commentary" onclick="Dsq.Popup.helpBadges(); return false">Optional:</a> \
								 \
								<img class="dsq-login-icon" src="http://media.disqus.com/images/dsq-favicon-16x16.png" alt="" /> \
								<a id="dsq-reply-login-' + post_id + '" href="http://disqus.com/profile/login/?next=article:42489750" onclick="Dsq.Popup.login(); return false">Login</a> \
								 \
									&nbsp;or&nbsp; \
									<img class="fb_login_image" src="http://static.ak.fbcdn.net/images/fbconnect/login-buttons/connect_light_small_short.gif" alt="Facebook Connect"/> \
									<a href="#" onclick="FB.Connect.requireSession(DisqusFbcParentController.onLogin); return false;">Connect</a> \
								 \
								&nbsp;or&nbsp; \
									<img src="http://media.disqus.com/images/twitter-signin-icon.png" alt="" /> \
									<a href="#" onclick="Dsq.Twitter.startTwitterConnect(); return false">Sign-in</a> \
								 \
								&nbsp;or&nbsp; \
									 <img src="http://media.disqus.com/images/openid-login-icon.png" alt="" /> \
									 <a href="#" onclick="Dsq.OpenID.requestURL(); return false">OpenID</a> \
								 \
							 \
						</div> \
					</div> \
					<div id="dsq-reply-' + post_id + '"></div> \
			</div> \
		';
	};

	//
	// Iframes
	//

	this._makeAttributes = function(attributes) {
		// Makes a tag attributes string out of an object.
		// Caller is responsible for making sure nothing needs to be escaped.
		var result = [];
		for (key in attributes) {
			result.push(' ' + key + '="' + attributes[key] + '"');
		}
		result = result.join('');
		return result;
	};

	this._frameGeneric = function(base_url, params, attributes) {
		if(typeof(disqus_callback_params) == 'undefined') {
			disqus_callback_params = '';
		}

		var default_params = {
			// TODO: These should be moved to Dsq.jsonData.
			'f'				: 'consumerismcommentary',
			't'				: 'be_a_financial_advisor',
			// Do we need encodeURIComponent here?
			'ifrs'			: encodeURIComponent(disqus_iframe_css),
			'to_redirect'	: encodeURIComponent(window.location),
			'cbp'			: disqus_callback_params,
			'ff'			: Dsq.Thread.ff,
			'fc'			: Dsq.Thread.fc,
			'ac'			: Dsq.Thread.ac,
			'default_text'	: disqus_default_text
		};

		base_url += '?' + (new Date()).getTime();
		// Add params to default_params.
		if(params) {
			for(var key in params) {
				if(params.hasOwnProperty(key)) {
					default_params[key] = encodeURIComponent(params[key]);
				}
			}
		}
		// Build querystring.
		for(var key in default_params) {
			if(default_params[key] && default_params.hasOwnProperty(key)) {
				base_url += '&' + key + '=' + default_params[key];
			}
		}

		return [
			'<iframe marginwidth="0" marginheight="0" hspace="0" vspace="0" frameborder="0"',
			(' allowtransparency="true" src="' + base_url + '"'),
			this._makeAttributes(attributes),
			'</iframe>'].join('');
	};

	this.frameLogin = function(opt_attributes) {
		var params = {};
		var base_url = 'http://disqus.com/embed/login.html';
		var attributes = opt_attributes || {};
		attributes['class'] = 'dsq-post-login';

		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameReply = function(post_id, extra_params, attributes) {
		// Returns the HTML for a reply iframe. Called by Dsq.Iframes.setReplyIframeToContainer
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = Dsq.Urls.REPLY;
		var params = {
			'def_email'		: disqus_def_email,
			'def_name'		: disqus_def_name
		};
		if(extra_params) {
			for(var key in extra_params) {
				if(extra_params.hasOwnProperty(key)) {
					params[key] = extra_params[key];
				}
			}
		}
		if(_meta) {
			params['parent_post'] = post_id;
		}
		if(typeof disqus_per_page != 'undefined') {
			params['per_page'] = disqus_per_page;
		}
		if(typeof disqus_frame_theme != 'undefined') {
			params['theme'] = disqus_frame_theme;
		}
		if(Dsq.jsonData.request.is_authenticated) {
			attributes['class'] += '-authenticated';
		}
		return this._frameGeneric(base_url, params, attributes);
	};

	this.frameEdit = function(post_id) {
		var _meta = (typeof post_id != 'undefined') ? Dsq.jsonData.posts[post_id] : false;
		var base_url = 'http://disqus.com/embed/edit.html';
		var params = {
			'p' : post_id
		};
		return this._frameGeneric(base_url, params, {'class': 'dsq-post-edit', 'name': 'dsq-edit_' + post_id + '-frame'});
	};

	//
	// Menus
	//

	this.menuMore = function(post_id) {
		// TODO: "Remove post" button should hide menu.
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];
		return ' \
			<li><a href="#comment-' + post_id + '" onclick="Dsq.Popup.permalink(' + post_id + ')">Link</a></li> \
			<li><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Profile</a></li>'
	+ (Dsq.jsonData.request.is_moderator || Dsq.jsonData.request.is_global_moderator
		? '	<li class="dsq-menu-sep"></li>' + (_meta.email ? '<li class="dsq-admin-email">' + _meta.email + '</li>' : '')
		+ '	<li class="dsq-admin-ip">' + _meta.ip + '</li> \
			<li class="dsq-menu-sep"></li>'
		+ (Dsq.jsonData.request.moderator_can_edit
			? ' <li class="dsq-admin-edit"><a href="#" onclick="Dsq.Post.edit(this, ' + post_id + '); return false;">Edit Comment</a></li>'
			: '')
		+ ' <li class="dsq-remove"><a href="#" onclick="Dsq.Post.removePost(' + post_id + ', 1); return false;">Remove Comment</a></li> \
			<li class="dsq-report-spam"><a href="#" onclick="Dsq.Post.reportSpam(' + post_id + '); return false;">Mark Spam</a></li> \
			<li class="dsq-block-user"><a href="#" onclick="Dsq.Popup.blacklist(' + post_id + '); return false">Block User</a></li>'
		: '');
	};

	this.menuMedia = function(post_id) {
		return ' \
			<li><a href="#" onclick="Dsq.Post.toggleMediaReply(this, ' + post_id + ', \'seesmic\'); return false;">Record video</a></li> \
		';
	};

	this.dropProfile = function(post_id) {
		var _meta = Dsq.jsonData.posts[post_id];
		var userData = Dsq.jsonData['users'][_meta.user_key];

		var _includeServices = function() {
			var userServices = Dsq.Post.getUserServices(null, post_id);
			var html = '';
			var hiddenThreshold = 3; // Define # of services to show before stuffing them in hidden div

			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == hiddenThreshold
					? '<li id="dsq-drop-hidden-' + post_id +'" class="dsq-drop-hidden"><ul>'
					: '')
				+ '<li class="dsq-drop-services"> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank"> \
						<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '">'
					+ userServices[i].name
					+ '</a> \
				</li>';
			}

			if(i >= hiddenThreshold) {
				html += '</ul></li> \
				<li id="dsq-drop-more-' + post_id + '" class="dsq-drop-more"><a href="#" onclick="Dsq.Post.dropProfileMore(this, '+ post_id + '); return false"><small>&#9660;</small></a></li> \
				';
			}
			return html;
		};


		var menu = '<li class="dsq-drop-showlnk"><a href="#" onclick="Dsq.Popup.popProfile(' + post_id + '); return false;">Expand &#8663;</a></li>';
		var pointsMessage = '';
		if (userData['registered']) {
			pointsMessage = 'with ' + userData['points'] + ' points (more points are better).';
		}

		if (userData['is_remote']) {
			var domain = userData['remote_domain_name'];
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' is a ' + domain + ' user ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
			menu += '<span class="dsq-badge-' + domain.toLowerCase() + '">' + domain + '</span></li>';
		} else if (userData['registered']) {
			if (userData['verified']) {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a verified commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-verified">Verified</span></li>';
			} else {
				menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has a registered, but unverified, commenter profile ' + pointsMessage + '" onclick="Dsq.Popup.helpBadges()">';
				menu += '<span class="dsq-badge-registered">Registered</span></li>';
			}
		} else {
			menu += '<li class="dsq-drop-badge" title="' + userData['display_name'] + ' has not claimed this commenter profile." onclick="Dsq.Popup.helpBadges()"><span class="dsq-badge-guest">Guest</span></li>';
		}

		menu += _includeServices();
		return menu;
	};

	//
	// Popups
	//

	this._popupGeneric = function(content) {
		return ' \
		<div class="dsq-popup-content"> \
			<div class="dsq-popup-top"></div> \
			<div class="dsq-popup-body" class="clearfix"> \
				<div class="dsq-popup-body-padding"> \
					<div class="dsq-popup-header"> \
						<a class="dsq-close-link" href="#" onclick="Dsq.Popup._closePopup(null, true); return false"><img src="http://media.disqus.com/images/modal-close.png" alt="" /></a>'
						+ content['header']
					+ '</div>'
					+ content['body']
					+ '<div class="powered-by"><a href="http://disqus.com/comments/">Powered by <img src="http://media.disqus.com/images/embed/disqus-logo.png" alt="Disqus Comments" style="margin-bottom:-5px" /></a></div> \
				</div> <!-- padding --> \
			</div> <!-- body --> \
			<div class="dsq-popup-bottom"></div> \
		</div> \
		';
	};

	this.popupProfile = function(user_key) {
		var userServices = Dsq.Post.getUserServices(user_key, null);
		var userData = Dsq.jsonData['users'][user_key];
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		var _includeServices = function() {
			var html = '';
			for(var i = 0; i < userServices.length; i++) {
				html +=
				(i == 0
					? '<h4>Connections</h4><ul>'
					: '')
				+ '<li> \
					<img src="' + Dsq.jsonData.media_url + '/images/embed/services/' + userServices[i].name.toLowerCase() + '.png" alt="' + userServices[i].name.toLowerCase() + '" title="' + userServices[i].name.toLowerCase() + '" /> \
					<a class="dsq-service-' + userServices[i].name.toLowerCase() + '" href="' + userServices[i].url + '" target="_blank">'
					+ userServices[i].name
					+ '</a> \
				</li>'
				+ (i+1 == userServices.length ? '</ul>' : '');
			}
			return html;
		};

		headerHtml = ' \
			<table> \
				<tr> \
					<td> \
						<a class="dsq-profile-userurl" href="' + userData.url + '"><img class="dsq-popup-profile-avatar" src="' + userData['avatar'] + '" alt="" /></a> \
					</td> \
					<td> \
						<div class="dsq-popup-profile-user"> \
							<h3>' + userData['display_name'] + '</h3> \
							<div class="dsq-popup-profile-user-stats" id="dsq-popup-profile-user-stats-' + user_key + '">Loading...</div> \
						</div> \
					</td> \
				</tr> \
			</table> \
		';

		bodyHtml = ' \
			<div class="dsq-popup-profile-state"> \
				This is a&nbsp;<span class="'
					+ (userData['registered']
						? (userData['verified']
							? ' dsq-badge-verified'
							: (userData['is_remote']
								? ' dsq-badge-' + userData['remote_domain_name'].toLowerCase()
								: ' dsq-badge-registered')
							)
							: ' dsq-badge-guest') + '">'
			+ (userData['registered']
				? (userData['verified']
					? 'Verified'
					: (userData['is_remote']
						 ? userData['remote_domain_name']
						 : 'Registered')
					)
				: 'Guest')
			+ '</span>&nbsp;commenter profile.'
			+ '&nbsp;<a class="dsq-profile-userurl" href="' + userData.url + '"><strong>View more comments </strong></a>'
			+ (!userData['points']
				? '<p class="dsq-popup-notice">If this is you, <a href="http://disqus.com/profile" target="_blank">claim it now</a> to manage your comments.</p>'
				: '')
			+ ((userData['registered'] && !userData['verified'] && (Dsq.jsonData.request.username && (Dsq.jsonData.request.username == userData['username'])) && !userData['is_remote'])
				? '<p class="dsq-popup-notice"><strong>Alert</strong>: You have not verified this account. <a href="http://disqus.com/verify">Verify it now.</a></p>'
				: '')
			+ '</div> \
			<div id="dsq-profile-status-' + user_key + '" class="dsq-popup-profile-status" style="display:none"></div> \
			<div class="dsq-popup-profile-snapshot"> \
				<table> \
					<tr> \
						<td> \
							<div id="dsq-popup-profile-active-sites-wrapper-' + user_key + '"> \
								<h4>Most active sites</h4> \
								<ul id="dsq-popup-profile-active-sites-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
						<td>'
							+ _includeServices()
							+ '<div id="dsq-popup-profile-moderated-wrapper-' + user_key + '"> \
								<h4>Moderator of</h4> \
								<ul id="dsq-popup-profile-moderated-' + user_key + '"> \
									<li>Loading...</li> \
								</ul> \
							</div> \
						</td> \
					</tr> \
				</table> \
			</div> \
			';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupReblog = function() {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<cite><span>Reblog this comment</span></cite> \
		';

		bodyHtml = ' \
			<div id="dsq-reblog-form" class="dsq-reblog-form"> \
			</div> \
		';

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.popupModal = function(title, message) {
		var headerHtml = '';
		var bodyHtml = '';
		var content = {};

		headerHtml = ' \
			<h3>' + title + '</h3> \
		';

		bodyHtml = message;

		content = {
			'header': headerHtml,
			'body': bodyHtml
		};

		return this._popupGeneric(content);
	};

	this.alertContent = function(name, post_id) {
		var alert = {
			'post_not_approved': {
				'title': 'Comment awaiting approval by a moderator',
				'message': 'Thanks for posting. Your comment must be approved by a moderator before appearing here.'
			},
			'post_has_profile': {
				'title': 'Use your existing commenter profile',
				'message': 'You have just posted your commment as a <span class="dsq-badge dsq-badge-guest">Guest</span>, but you may already have a <span class="dsq-badge dsq-badge-registered">Registered</span> commenter profile.<br /><br /><a href="http://disqus.com/claim">Log in and claim this comment!</a>'
			}
		};
		return alert[name] || false;
	};

	//
	// Actions
	//

	this.voted = function(post_id, points, vote) {
		// Update number of points
		Dsq.$('dsq-points-' + post_id).innerHTML = points + Dsq.Utils.pluralize(points, ' person', ' people') + ' liked this comment.';

		// Update link text
		if(vote) {
			Dsq.$('dsq-rate-cont-' + post_id).innerHTML = 'You liked this.';
		}
	};

	this.subscribed = function(status) {
		var title, message;

		if(status) {
			title = 'Subscribed!';
			message = 'You have subscribed to this comment thread. New comments will be sent directly to your email inbox, where you may read and respond by email.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(0); return false">Unsubscribe</a> \
			';
		} else {
			title = 'Unsubscribed';
			message = 'You have unsubscribed to this comment thread. New comments will no longer be sent to your email inbox.';
			Dsq.$('dsq-subscribe').innerHTML = ' \
				<a href="#" onclick="Dsq.Thread.subscribe(1); return false">Subscribe by email</a> \
			';
		}

		Dsq.Popup.popModal(message, title);

	};
	
	this.highlighted = function() {
		Dsq.Popup.popModal('This comment has been highlighted.', 'Highlighted comment');
	};

	//
	// Media
	//

	this.mediaSeesmic = function(id, thumb) {
		return ' \
			<div id="dsq-seesmic-' + id + '_preview" class="dsq-seesmic-preview"><a href="http://www.seesmic.com/video/' + id + '" target="_blank" class="see_link">&nbsp;</a> \
				<div style="display:block;width:160px; height:120px; border:none; background-image:url(http://t.seesmic.com/thumbnail/' + thumb + ')"> \
					<div id="dsq-seesmic-' + id + '_hide" class="seePlayOverlay" style="display:none;"><img onclick="see_play_video(\'' + id + '\',false)" src="http://media.disqus.com/images/seesmic/stopOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; padding-top: 30px; padding-left: 50px" alt="" /></div> \
					<div id="dsq-seesmic-' + id + '_show" class="seePlayOverlay"><img onclick="see_play_video(\'' + id + '\',true)" src="http://media.disqus.com/images/seesmic/playOverlay.png" width="50" height="50" style="cursor:pointer; cursor:hand; border:none; padding-top: 30px; padding-left: 50px" alt="" /></div> \
				</div> \
			</div> \
			<div id="' + id + '_content" style="display:block; width:100%; padding-top:5px"></div> \
		';
	};

	//
	// Callbacks
	//

	this.postComment_onSuccess = function(parent_post_id) {
		// Increment post count
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');
		
		if (num_posts) { 
			num_posts.innerHTML = parseInt(num_posts.innerHTML) + 1;
		}
		if (total_posts) { 
			total_posts.innerHTML = parseInt(total_posts.innerHTML) + 1;
		}
	};
};
// Dsq.Templates


/**
 * Dsq.Post
 */
Dsq.Post = new function() {
	this.openedMenu = {};
	this.menuEventListener = null;
	this.stateReplyToggled = {};
	this.stateEditToggled = {};
	this.stateRecordLink = {};

	/**
	 * Inserts a new post into the document.
	 *
	 * @param after_id {Number}	Insert a post before specified id.  If after_id
	 *							evaluates to false, then post in the front.  If
	 *							after_id is -1, post at the end.
	 */
	this.insert = function(after_id, id, message, author) {
		// Skeleton template from thread_posts.html.
		var skeleton = ' \
			<li id="dsq-comment-%(id)s"> \
				<div id="dsq-comment-header-%(id)s" class="dsq-comment-header"> \
					<cite id="dsq-cite-%(id)s" class="dsq-comment-cite"> \
						<a id="dsq-author-user-%(id)s" href="%(author_url)s" target="_blank" rel="nofollow">%(author_name)s</a> \
					</cite> \
				</div> \
				<div id="dsq-comment-body-%(id)s" class="dsq-comment-body"> \
					<div id="dsq-comment-message-%(id)s" class="dsq-comment-message">%(message)s</div> \
				</div> \
			</li> \
		';
		var _meta = Dsq.jsonData.posts[id];
		var _user_meta = Dsq.jsonData.users[_meta.user_key];
		var markup = Dsq.Utils.interpolate(skeleton, {
			id: id,
			message: message,
			author_url: _user_meta.blog,
			author_name: _user_meta.display_name
		});
		var div = document.createElement('div');
		markup = markup.replace(Dsq.COMMENTS_RE, Dsq.CommentsHandler);
		div.innerHTML = markup;

		if (after_id === -1) {
			Dsq.$('dsq-comments').appendChild(div);
		} else if (!after_id) {
			Dsq.$('dsq-comments').insertBefore(div, Dsq.$('dsq-comments').firstChild);
		} else if (Dsq.$('dsq-comment-' + after_id)) {
			// Get next node after "after_id", so we can insert before it.
			// If "after_id" is the last comment, the target node is the
			// last node.
			
			// var append_post_id = Dsq.Templates.appendPost(after_id).replace('<div id="','').replace('"></div>', '');
			var append_post_id = 'dsq-append-post-' + after_id;
			var node = Dsq.$(append_post_id);
			while (node = node.nextSibling) {
				if (!node || node.nodeType == 1) { // 1 == Node.ELEMENT_NODE
					break;
				}
			}
			if (!node) {
				node = Dsq.$(append_post_id);
			}
			node.parentNode.insertBefore(div, node);
		}
	};

	this.incrementPostCount = function() {
		
		var num_posts = Dsq.$('dsq-num-posts');
		var total_posts = Dsq.$('dsq-total-posts');

		if (num_posts) {
			num_posts.innerHTML = parseInt(num_posts.innerHTML, 10) + 1;
		}
		if (total_posts) {
			total_posts.innerHTML = parseInt(total_posts.innerHTML, 10) + 1;
		}
	}
	
	this.outlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className += ' dsq-comment-outline';
		setTimeout("(function () { Dsq.Post.clearOutlineComment(" + post_id + ") })()", 3000);
	};
	
	this.clearOutlineComment = function(post_id) {
		Dsq.$('dsq-comment-' + post_id).className = Dsq.$('dsq-comment-' + post_id).className.replace('dsq-comment-outline', '');
	};

	this.showMenu = function(el, id, name) {
		var anchorPos = Dsq.Utils.findPos(el);
		var menu = document.createElement('ul');

		if(this.openedMenu) {
			if(this.openedMenu.linkClicked) {
				this.openedMenu.linkClicked = false;
				return;
			}
		}

		switch(name) {
			case 'more':
				menu.innerHTML = Dsq.Templates.menuMore(id);
				break;
			case 'media':
				menu.innerHTML = Dsq.Templates.menuMedia(id);
				break;
			default:
				break;
		}

		// Add menu to document body
		menu.id = 'dsq-menu-' + id;
		menu.className = 'dsq-menu';
		Dsq.$b.appendChild(menu);

		// Position and show
		anchorPos[1] += 15;
		menu.style.left = anchorPos[0] + 'px';
		menu.style.top = anchorPos[1] + 'px';
		menu.style.display = 'block';

		// Set global reference
		this.openedMenu = {
			'el' : menu,
			'id' : id,
			'name' : name,
			'linkClicked' : false
		};

		// Set listener
		this.menuEventListener = Dsq.Utils.addEventListener(document, 'mouseup', this._hideMenu);
	};

	this._hideMenu = function(e) {
		var el = e.target || e.srcElement;
		var openedMenu = Dsq.Post.openedMenu.el;
		var id = Dsq.Post.openedMenu.id;

		if(!id) {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link';
		} else {
			var link = 'dsq-' + Dsq.Post.openedMenu.name + '-link-' + id;
		}

		if(!openedMenu) {
			return;
		}

		if(!Dsq.Popup.isClicked(e, openedMenu.id)) {
			openedMenu.style.display = 'none';
			Dsq.Utils.removeEventListener(Dsq.Post.menuEventListener);
			Dsq.Utils.deleteNode(openedMenu);

		} else {
			// Hide the menu if a link was clicked inside the menu.  We can't
			// completely remove the menu until the onclick event on the link
			// fires, but the menuEventListener will prevent multiple menus
			// from polluting the DOM.
			if(el && typeof el.href != 'undefined') {
				openedMenu.style.display = 'none';
				Dsq.Post.openedMenu.el = null;
			}
		}

		if(Dsq.Popup.isClicked(e, link)) {
 			Dsq.Post.openedMenu.linkClicked = true;
		}
	};


	this.getUserServices = function(user_key, id) {
		if(!user_key && id) {
			var _meta = Dsq.jsonData.posts[id];
			user_key = _meta.user_key;
		}
		var userData = Dsq.jsonData['users'][user_key];
		var userServices = [];

		// Keep a full list of supported services. This is the order they will display in the drop-profile.
		// Each service must have a corresponding case in _buildServiceUrl()
		var supportedServices = ['blog', 'twitter', 'facebook', 'tumblr'];

		function _buildServiceUrl(serviceName) {
			var data = userData[serviceName];
			var services = {
				blog:		function(d) { return d; },
				twitter:	function(d) { return d; },
				facebook:	function(d) { return d; },
				tumblr:		function(d) { return 'http://' + d + '.tumblr.com'; }
			};
			return services[serviceName](data);
		}

		for(var i = 0; i < supportedServices.length; i++) {
			if(userData[supportedServices[i]]) {
				var serviceUrl = _buildServiceUrl(supportedServices[i]);
				userServices.push({'name' : supportedServices[i], 'url' : serviceUrl});
			}
		}
		return userServices;
	}

	this.dropProfile = function(id) {
		var dp = Dsq.$('dsq-drop-profile-' + id);

		// IE6 needs JS to display/hide. All other browsers use CSS.
		if(dp) {
			if(Dsq.Utils.ie6) dp.style.display = (dp.style.display == 'inline') ? 'none' : 'inline';
			return false;
		} else {
			dp = document.createElement('ul');
		}

		dp.id = 'dsq-drop-profile-' + id;
		dp.className = 'dsq-drop-profile';

		if(Dsq.Utils.ie6) { dp.style.display = 'inline'; }

		var container = Dsq.$('dsq-header-avatar-' + id);
		dp.innerHTML = Dsq.Templates.dropProfile(id);
		container.appendChild(dp);
	};

	this.dropProfileMore = function(el, id) {
		var hiddenItems = Dsq.$('dsq-drop-hidden-' + id);

		hiddenItems.style.display = 'inline';
		el.parentNode.style.display = 'none';
	};

	this._updateReplyLinks = function(el, id) {
		// Update "reply / cancel" links based on state.
		var displayDict = {};

		if(id) {
			if(this.stateReplyToggled[id]) {
				el.innerHTML = 'Cancel';
				displayDict['media'] = 'inline';
				displayDict['edit'] = 'none';
			} else {
				el.innerHTML = 'Reply';
				displayDict['media'] = 'none';
				displayDict['edit'] = 'inline';
			}
		}

		for(var key in displayDict) {
			if(displayDict.hasOwnProperty(key)) {
				var	linkEl = Dsq.$('dsq-' + key + '-el-' + id),
					spacer = Dsq.$('dsq-' + key + '-spacer-' + id);

				if(linkEl) {
					linkEl.style.display = displayDict[key];
					if(spacer) spacer.style.display = displayDict[key];
				}
			}
		}
	};

	this._updateMediaLinks = function(el, id) {
		// Update "use media / cancel" links based on state.
		var appendId = (id) ? ('-' + id) : '';
		var link = Dsq.$('dsq-media-link' + appendId);

		if(this.stateRecordLink[id]) {
			link.innerHTML = 'Cancel Media';
			link.onclick = function() { Dsq.Post.toggleMediaReply(link, id); return false; };
		} else {
			link.innerHTML = 'Use Media <small>&#9660;</small>';
			link.onclick = function() { Dsq.Post.showMenu(link, id, 'media'); return false; };
		}
	};

	this.toggleReply = function(el, id) {
		// Create reply IFrame
		if (window.disqus_use_postmessage) {
			if (!this.stateReplyToggled[id]) {
				Dsq.$('dsq-reply-' + id).style.display = 'block';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				// Create IFrame if it doesn't exist.
				if (!Dsq.frames['reply_' + id]) {
					var _meta = Dsq.jsonData.posts[id];
					Dsq.frames['reply_' + id] = new Dsq.ReplyFrame(Dsq.$('dsq-reply-frame-' + id), id);
					Dsq.frames['reply_' + id].init();
					Dsq.frames['reply_' + id].setState(id, _meta.depth);
				}
			} else {
				Dsq.$('dsq-reply-' + id).style.display = 'none';
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
			}
		} else {
			// DEPRECATED
			if(!this.stateReplyToggled[id]) {
				// Reply toolbar
				Dsq.$('dsq-reply-bar-' + id).style.display = 'block';
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(Dsq.$('dsq-reply-' + id), id);
			} else {
				Dsq.$('dsq-reply-bar-' + id).style.display = 'none';
				Dsq.Iframes.hideAllInContainer(Dsq.$('dsq-reply-' + id));
				if(this.stateRecordLink[id]) {
					// HACK: Cancel media before canceling self.
					this.toggleMediaReply(Dsq.$('dsq-media-link-' + id), id);
				}
			}
		}

		this.stateReplyToggled[id] = !this.stateReplyToggled[id];
		this._updateReplyLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-reply-' + id); }

		Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_TOGGLED, {
			postId: id,
			opened: this.stateReplyToggled[id]
		});
	};

	this.toggleMediaReply = function(el, id, xtype) {
		id = id || 0;
		if(id) {
			var container = Dsq.$('dsq-reply-' + id);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(!this.stateRecordLink[id]) {
			Dsq.Iframes.showReplyIframeInContainer(container, id, {xtype:xtype}, 'dsq-post-video');
		} else {
			Dsq.Iframes.showReplyIframeInContainer(container, id);
		}
		this.stateRecordLink[id] = !this.stateRecordLink[id];
		this._updateMediaLinks(el, id);

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};

	this.edit = function(el, id) {
		Dsq.$('dsq-comment-message-' + id).innerHTML = Dsq.Templates.frameEdit(id);
		el.parentNode.style.display = 'none';
		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE('dsq-comment-message-' + id); }
	};

    this.rate = function(el, id, vote) {
		if(Dsq.jsonData.request.is_authenticated || Dsq.jsonData.forum.allow_anon_votes) {
			if(vote == 1) {
                Dsq.$('dsq-rate-cont-' + id).innerHTML = '<img src="http://media.disqus.com/images/loading-small.gif">';
            }

            Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/vote.js'
                + '?post_id='    + id
                + '&vote='        + vote);

		} else {
			Dsq.Popup.login(Dsq.Strings.TO_RATE_PLEASE_LOG_IN);
		}
    };

	this.report = function(id, confirmed) {
		if(confirmed) {
			Dsq.Utils.postToUrl('http://disqus.com/forums/consumerismcommentary/be_a_financial_advisor/post_report/', {'post_id': id});
			Dsq.Popup.popModal('Thank you. This comment has been flagged for moderator attention.', 'Successfully flagged');
			Dsq.Utils.deleteNode(Dsq.$('dsq-post-report-' + id));
		} else {
			var title = Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT;
			var message = Dsq.Strings.ARE_YOU_SURE_YOU_WOULD_LIKE_TO_REPORT_THIS_COMMENT_TO_A_MODERATOR + '? \
			<br /><br /> \
			<button onclick="Dsq.Popup._closePopup(null, true)"><strong>' + Dsq.Strings.NO + '</strong>, ' + Dsq.Strings.NEVER_MIND + '</button>&nbsp;&nbsp;&nbsp;<button onclick="Dsq.Post.report(' + id + ', true);"><strong>' + Dsq.Strings.YES + '</strong>, ' + Dsq.Strings.FLAG_INAPPROPRIATE_COMMENT + '</button><br /><br />'
			+ Dsq.Strings.THIS_WILL_FLAG_COMMENTS_FOR_MODERATORS_TO_TAKE_ACTION + '. \
			';

			Dsq.Popup.popModal(message, title, id);
		}
	};



	this.showAlert = function(id, msg) {
		var msgEl = Dsq.$('dsq-comment-message-' + id);
		var alert = '<div class="dsq-comment-alert">' + msg + '</div>';

		msgEl.innerHTML = alert + msgEl.innerHTML;
	};

};
// Dsq.Post


/**
 * Dsq.Thread
 */
Dsq.Thread = new function() {
	this.fc = null;
	this.ff = null;
	this.ac = null;

	
	this.adminIsOn = false;

	
	
	

	this.hlComment = null;
	this.hlCommentClass = null;

	this.getNextComment = function(el) {
		var start_id = el.id;
		while(el = el.nextSibling) {
			if(el.id && el.id.indexOf('dsq-comment-') != -1 && el.id != start_id) {
				return el;
			}
		}
		return null;
	};

	this.getActiveCommentId = function() {
		if (document.URL.indexOf('#comment-') >= 0) {
			var anchor = document.URL.slice(document.URL.indexOf('#') + 1);
			return anchor.replace('comment-', '');
		}
		return null;
	};

	this.highlightAnchor = function() {
		var i = this.getActiveCommentId();
		if (i == null) return false;
		var id = 'dsq-comment-' + i;
		var hash = window.location.hash;

		// Toggle the hash incase the comment isn't available when the page loads
		// for WebKit-based browsers.
		if (Dsq.Utils.webkit) {
			window.location.hash = '';
			window.location.hash = hash;
		}

		this.hlComment = Dsq.$(id);
		// Adding this conditional guard pending #289
		if (!this.hlComment) {
			return;
		}
		this.hlCommentClass = this.hlComment.className;
		this.hlComment.className += ' dsq-hl-anchor';

		setTimeout("Dsq.Thread.highlightClear()", 3000);
	};

	this.highlightClear = function() {
		if (!this.hlComment) {
			return;
		}
		this.hlComment.className = this.hlCommentClass;
	};

	this.login = function(toggle) {
		// toggle id is #dsq-reply-login-[id]
		var postId;
		if(toggle.id.indexOf('dsq-reply-login') != -1) {
			postId = toggle.id.slice(16);
			var container = Dsq.$('dsq-reply-' + postId);
		} else {
			var container = Dsq.$('dsq-post-add');
		}

		if(toggle) {
			if(toggle.className == 'dsq-login-active') {
				Dsq.Iframes.showReplyIframeInContainerIfAllowed(container, postId);
				toggle.className = '';
			} else {
				Dsq.Iframes.showLoginIframeInContainer(container, postId);
				toggle.className = 'dsq-login-active';
			}
		} else {
			Dsq.Iframes.showLoginIframeInContainer(container, postId);
		}

		if(Dsq.Utils.ie) { Dsq.Utils.fixIframesIE(); }
	};


	this.paginate = function(page, el_clicked, per_page) {
		// Use extra_params to pass any override parameters that we need to persist.
		var extra_params = '';

		// "Per page" can either be overriden by providing it as an argument
		// (per-call) or setting the disqus_per_page override variable (global).
		if(typeof per_page == 'undefined') {
			per_page = null;
		}
		if(typeof disqus_per_page != 'undefined' && per_page === null) {
			per_page = disqus_per_page;
		}

		if(typeof disqus_sort != 'undefined') {
			extra_params += '&sort=' + disqus_sort;
		}
		if(per_page !== null) {
			extra_params += '&per_page=' + per_page;
		}

		Dsq.$('dsq-pagination').innerHTML += '<img src="http://media.disqus.com/images/loading-small.gif">';
		
		if(el_clicked) {
			el_clicked.style.display = 'none';
		}
		
		Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'be_a_financial_advisor'
			+ '&p='		+ page
			+ extra_params);
	};

	this.sortBy = function(sort) {
		var disqus_script = document.createElement('script');
		var disqus_date = new Date();

		if (location.hash != '') {
			location.hash = '#disqus_thread';
		}

		if(typeof(disqus_url) == 'undefined') {
			disqus_url = disqus_href;
		}
		disqus_script.type = 'text/javascript';
		disqus_script.src = 'http://disqus.com/forums/consumerismcommentary/thread.js'
			+ '?slug='	+ 'be_a_financial_advisor'
			+ '&sort='	+ sort
			+ '&title='
			+ '&'		+ disqus_date.getTime();

		Dsq.$('dsq-comments').innerHTML = '<img src="http://media.disqus.com/images/loading.gif">';
		Dsq.container.appendChild(disqus_script);
	};

	this.subscribe = function(status, email) {
		// `status` is an int -- 1 to subscribe, 0 to unsubscribe
		if(Dsq.jsonData.request.is_authenticated || email) {
			// If authenticated user OR anonymous email provided

			if(email) {
				Dsq.Popup._closePopup(null, true);
			}

			Dsq.Utils.execScript('http://disqus.com/forums/consumerismcommentary/subscribe.js'
				+'?status=' 	+ status
				+ '&slug='		+ 'be_a_financial_advisor'
				+ '&email=' 	+ encodeURIComponent(email));

		} else if(!email) {
			// If anonymous user and no email has been provided yet, prompt for email

			var title = 'Subscribe to this comment thread';
			var message = ' \
				New comments will be sent directly to your email inbox! \
				<div class="dsq-subscribe-submit"> \
					<p><strong>Enter your email address below.</strong></p> \
					<input type="text" id="dsq-subscribe-email"> \
					<button onclick="Dsq.Thread.subscribe(1, Dsq.$(\'dsq-subscribe-email\').value)">Subscribe</button> \
				</div> \
			';

			Dsq.Popup.popModal(message, title);
		}
	};

	this.showSettings = function() {
		if (!Dsq.jsonData.request.is_moderator) {
			return;
		}

		/* The form has to be re-designed when more options will come out. */
		var html = 'Automatically close comments after <input size="3" id="dsq-thread-days-alive" value="' + Dsq.jsonData.thread.days_alive + '" type="text" /> days. Existing comments will still be displayed.<br /><br />(Using 0 days will disable this feature)<br /><br />'
								 + '<button onclick="Dsq.Thread.updateDaysAlive();" class="dsq-button-small"><span>Save</span></button>'
								 + '<span id="dsq-thread-settings-status" class="dsq-options-status"></span>';
		Dsq.Popup.popModal(html, 'Settings');
	};

	this.updateDaysAlive = function() {
		var days = Dsq.$('dsq-thread-days-alive').value;
		var status = Dsq.$('dsq-thread-settings-status');
		Dsq.Utils.postToUrl('http://disqus.com/forums/consumerismcommentary/update_days_alive.js', {days:days,thread:Dsq.jsonData.thread.id});
		status.innerHTML = 'Saved!';
		window.setTimeout(function() { status.innerHTML = ''; }, 1000);
	};
};
// Dsq.Thread

Dsq.Events = function() {
	var obj = {};

	// Private
	var handlers = {};
	var getHandlers = function(event) {
		if (handlers[event] === undefined) {
			handlers[event] = [];
		}
		return handlers[event];
	};

	// Public
	// Value keys : postId, node, xtype
	obj.REPLY_IFRAME_CREATED = 1;
	// Value keys : postId, opened
	obj.REPLY_IFRAME_TOGGLED = 2;
	obj.fire = function(event, opt_value) {
		if (!event) {
			throw new Error('Unknown event');
		}
		var value = opt_value || {};
		for (var i=0; i<getHandlers(event).length; i++) {
			getHandlers(event)[i](value);
		}
	};
	obj.addHandler = function(event, callback) {
		getHandlers(event).push(callback);
	};

	return obj;
}();

/**
 * Dsq.Realtime
 */
Dsq.Realtime = new function() {
	var initialized = false;
	var interval = null;
	var last_checked = Dsq.jsonData.request.timestamp;
	var new_posts = [];
	var ongoing_request = false;
	var prev_script = null;

	function updateNewPostCount() {
		Dsq.$('dsq-realtime-alert').style.display = new_posts.length ? 'block' : 'none';

		Dsq.$('dsq-realtime-queued').innerHTML = new_posts.length
		+ ' new '
		+ Dsq.Utils.pluralize(new_posts.length, 'comment', 'comments')
		+ Dsq.Utils.pluralize(new_posts.length, ' was', ' were')
		+ ' just posted.';

		Dsq.$('dsq-realtime-show').innerHTML = '(' + Dsq.Strings.SHOW + ')';
	}

	function insertNewPosts() {
		var post_id = null;
		var after_id = Dsq.$('dsq-sort-select').value === 'oldest' ? -1 : null;

		for (var i=0; i<new_posts.length; i++) {
			post_id = new_posts[i];
			Dsq.Post.insert(after_id, post_id, Dsq.jsonData.posts[post_id].message);
			Dsq.Post.incrementPostCount();
			Dsq.Post.outlineComment(post_id);
		}
		new_posts = [];
	}

	this.enableInterval = function() {
		interval = setInterval(Dsq.Realtime.check, Dsq.jsonData.context.realtime_speed);
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.ENABLED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.PAUSE + ')';
	}

	this.disableInterval = function() {
		if (interval) {
			clearInterval(interval);
			interval = null;
		}
		Dsq.$('dsq-realtime-status').innerHTML = Dsq.Strings.PAUSED;
		Dsq.$('dsq-realtime-toggle').innerHTML = '(' + Dsq.Strings.RESUME + ')';
	}

	this.toggleInterval = function() {
		if (!interval) {
			Dsq.Realtime.enableInterval();
		} else {
			Dsq.Realtime.disableInterval();
		}
		return false;
	}

	this.initialize = function() {
		if (!initialized) {
			initialized = true;
			Dsq.$('dsq-realtime-toggle').onclick = this.toggleInterval;
			if (!Dsq.jsonData.forum.streaming_realtime) {
				Dsq.$('dsq-realtime-show').onclick = this.show;
				updateNewPostCount();
			}
			if (Dsq.jsonData.thread.realtime_paused) {
				Dsq.Realtime.disableInterval();
			} else {
				Dsq.Realtime.enableInterval();
			}
		}
	}

	this.show = function() {
		insertNewPosts();
		updateNewPostCount();
		return false;
	}

	this.check = function() {
		if (!ongoing_request && Dsq.jsonData.realtime_enabled) {
			if (prev_script) {
				prev_script.parentNode.removeChild(prev_script);
			}
			ongoing_request = true;
			prev_script = Dsq.Utils.execScript('http://disqus.com/forums/42489750/realtime.js?timestamp=' + last_checked);
		}
	};

	this.update = function(timestamp, posts, users) {
		ongoing_request = false;
		last_checked = timestamp;

		if (users) {
			for (var user_id in users) {
				if (users.hasOwnProperty(user_id)) {
					if (!Dsq.jsonData.users[user_id]) {
						Dsq.jsonData.users[user_id] = users[user_id];
					}
				}
			}
		}

		if (posts) {
			for (var post_id in posts) {
				if (posts.hasOwnProperty(post_id)) {
					if (!Dsq.jsonData.posts[post_id]) {
						Dsq.jsonData.posts[post_id] = posts[post_id];
						new_posts.push(post_id);
					}
				}
			}

			if (Dsq.jsonData.forum.streaming_realtime) {
				insertNewPosts();
			} else {
				updateNewPostCount();
			}
		}
	};

}();

// DEPRECATED
Dsq.Iframes = function() {
	// Different style of object from the above. Hoping to switch to this for some reason.
	var obj = {};

	// Private
	var showIframeInContainer = function(container, id, markup) {
		// Look through container for iframes, hiding them, except show one that matches id
		// If none of them matched id, create a new iframe using markup and insert it.
		// Returns the iframe node if and only if it was newly created.
		var found = false;
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				if (child.id == id) {
					child.style.display = 'block';
					found = true;
				} else {
					child.style.display = 'none';
				}
			}
		}
		if (found) {
			return;
		}
		// The iframe wasn't found, so construct it and add it to the container.
		// Don't use innerHTML because it might reload iframes
		var div = document.createElement('div');
		div.innerHTML = markup;
		var iframe = div.childNodes[0];
		div.removeChild(iframe);
		container.appendChild(iframe);
		return iframe;
	};

	// Public
	obj.makeReplyIframeId = function(opt_postId, opt_xtype) {
		var id = 'dsq-post-add-iframe';
		if (opt_xtype) {
			id += '-' + opt_xtype;
		}
		if (opt_postId) {
			id += '-' + opt_postId;
		}
		return id;
	};
	obj.makeLoginIframeId = function(opt_postId) {
		if (!opt_postId) {
			return 'dsq-login-iframe';
		}
		return 'dsq-login-iframe-' + opt_postId;
	};
	obj.makeReplyIframeName = function(opt_postId, opt_xtype) {
		var name = 'dsq-reply-frame';
		if (opt_xtype) {
			name += '-' + opt_xtype;
		}
		if (opt_postId) {
			name += '-' + opt_postId;
		}
		return name;
	};
	obj.showReplyIframeInContainer = function(container, opt_postId, opt_extraParams, opt_className) {
		// Construct the id so we can check if it's already present.
		// Hide any other iframes we find, and show this one if it's found.
		var params = opt_extraParams || {};
		// use xtype in the id and name so we can distinguish media replies from text replies:
		var id = Dsq.Iframes.makeReplyIframeId(opt_postId, params.xtype);
		var name = Dsq.Iframes.makeReplyIframeName(opt_postId, params.xtype);
		var attributes = {
			'id': id,
			'name': name,
			'class': opt_className || 'dsq-post-reply'
			};
		var markup = Dsq.Templates.frameReply(opt_postId, opt_extraParams, attributes);
		var iframe = showIframeInContainer(container, id, markup);
		// It was newly created
		if (iframe) {
			Dsq.Events.fire(Dsq.Events.REPLY_IFRAME_CREATED, {
				postId: opt_postId,
				node: iframe,
				xtype: params.xtype
			});
		}
	};
	obj.showLoginIframeInContainer = function(container, opt_postId) {
		var id = Dsq.Iframes.makeLoginIframeId(opt_postId);
		var markup = Dsq.Templates.frameLogin({id: id});
		showIframeInContainer(container, id, markup);
	};
	obj.showReplyIframeInContainerIfAllowed = function(container, opt_postId) {
		if (Dsq.jsonData.context.show_reply) {
			obj.showReplyIframeInContainer(container, opt_postId);
		} else {
			obj.hideAllInContainer(container);
		}
	};
	obj.hideAllInContainer = function(container) {
		for (var i=0; i<container.childNodes.length; i++) {
			var child = container.childNodes[i];
			if (child.nodeName == 'IFRAME') {
				child.style.display = 'none';
			}
		}
	};

	return obj;
}();

Dsq.Twitter = new function() {
	var that = this;

	this.startTwitterConnect = function() {
		var popupParams = 'location=0,status=0,width=800,height=400';
		that._twitterWindow = window.open(Dsq.jsonData.settings.disqus_url + '/_ax/twitter/begin/', 'twitterWindow', popupParams);
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Dsq.container.className = "clearfix";
Dsq.container.innerHTML = ' \
<ul id="dsq-comments">\
	 <li id="dsq-comment-21301415">\
	 <div id="dsq-comment-header-21301415" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301415" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301415" href="http://themoneytree.blogspot.com/" target="_blank" rel="nofollow">Easy E</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301415" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301415" class="dsq-comment-message">You sound a lot like me.  I haven\'ttaken the LSAT but I have considered law.  I am planing on taking the GMAT though and am in the process of finding a new employer that will pay my way through business school.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301416">\
	 <div id="dsq-comment-header-21301416" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301416" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301416" href="http://incashflowwetrust.blogspot.com/" target="_blank" rel="nofollow">Steve Mertz</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301416" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301416" class="dsq-comment-message">Hey Flexo, here are some of the negatives of being a financial advisor, especially if you are with a firm like Merrill vs an independent. They want you to gather money and put in with money managers. They don\'t really want you picking stocks etc...to much liability.Tremendous pressure to produce-make big numbers or else. I retired because they wanted every speech I gave to be approved by the compliance dept.You can make a very good living but there are trade offs! Good Luck</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301417">\
	 <div id="dsq-comment-header-21301417" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301417" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301417" href="http://www.punny.org/" target="_blank" rel="nofollow">Nick</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301417" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301417" class="dsq-comment-message">Hahaha... they ranked Software Engineer as #1. It feels more like #1 million to me today. Ah well.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301418">\
	 <div id="dsq-comment-header-21301418" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301418" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301418" href="http://www.moneydummy.net/" target="_blank" rel="nofollow">MoneyDummy</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301418" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301418" class="dsq-comment-message">Well, I was excited to read this article until I saw that they ranked "college professor" as the second best job. <br><br>That shot their credibility all to heck.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301419">\
	 <div id="dsq-comment-header-21301419" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301419" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301419" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301419" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301419" class="dsq-comment-message">The college professors I know are all extremely satisfied with their jobs.  Sometimes it takes a certain kind of person, though.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301420">\
	 <div id="dsq-comment-header-21301420" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301420" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301420" href="http://finfree4all.blogspot.com/" target="_blank" rel="nofollow">Dus10</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301420" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301420" class="dsq-comment-message">Wow!  Another new design, Flexo?  I liked the last one.  This one is fine... but that one had a certain character to it that was nice.<br><br>Anyhow, I feel about the same way about everything I have been doing for my career.  Throughout my entire childhood (well, since I was eight and cared) I wanted to be an architect.  I took drafting classed, loved to learn about carpentry, took shop classes, and I designed houses in my free time.  When I was 14 I taught myself HTML, and somehow landed a job straight out of high school doing light support and web development.  That somehow migrated to network administration, and I have been doing that since.  I am an MCSE, and I am about to graduate from business school majoring in Information Systems.  I thought about minoring in Music and maybe getting a MA in Music.  However, for a couple years, my plan has been to do an MBA or MBA/JD.  I am thinking I will do them seperately, though.  Indiana University has an online MBA program that you meet one week per year (all two years...) onsite.  It is very expensive... ~$800/credit hour... but I can probably get my employer to cover most of it.  They are a top 25 MBA school, which matters to some of the big boys... but not so much to others.  However, I do not really even want to work for anyone, so I don\'t know why I care.  I will probably do the JD at IU as well, as they rank highly, and it is in town at the Indianapolis campus.  I always wanted to go to Notre Dame, for architecture, but it is almost in Michigan, and it is very expensive.  My best shot would be the MBA, as they have an Executive MBA program that meets three days a month, but you need a few years of managerial experience already... and the extent of my managerial experience includes a year at Burger King, and a year at MSN in the tech support department.  I highly doubt that would work for me.  So, it looks like it is IU for me.<br><br>As far as MoneyDummy said, those other results have me questioning the credibility of the article as well.  If you have a PhD or something, they make good money and get plenty of time to research things they enjoy... but beyond that, you would have to be a very liberal person to enjoy the internal politics of a university... and I am pretty much the anti-thesis of that.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301421">\
	 <div id="dsq-comment-header-21301421" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301421" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301421" href="http://chieffamilyofficer.blogspot.com/" target="_blank" rel="nofollow">Cathy</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301421" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301421" class="dsq-comment-message">Hey Flexo,<br><br>I was looking at taking a course or two just for fun and discovered that UCLA offers CFP certification classes online - finish the program and you\'re eligible for the exam. Just thought you might be interested. Good luck with the new job!<br><br>Cathy</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301422">\
	 <div id="dsq-comment-header-21301422" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301422" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301422" href="http://www.financialfruition.com/" target="_blank" rel="nofollow">Financial Fruition</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301422" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301422" class="dsq-comment-message">There are some major differences between a Financial Advisor who pushes product, a Financial Advisor who practices financial planning, and a Financial Planner (I could keep going with these descriptions).  The Money Magazine highlight comes up short on describing what exactly they are defining as a Financial Advisor and how that supports the #s they are giving.<br><br>What exactly are you looking at doing as a financial advisor/financial planner, Mr. Flexo?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301423">\
	 <div id="dsq-comment-header-21301423" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301423" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301423" href="http://www.fatpitchfinancials.com/" target="_blank" rel="nofollow">George</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301423" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301423" class="dsq-comment-message">I\'ve also been interested in going into financial advising/planning.  The one worry I\'ve had about going into the field of financial advising is all the conflict of interest problems in that industry.  I think if I ever do decide to go into financial planning, I\'ll have to do it under my own terms by starting my own business.  Maybe it will be my second career.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301424">\
	 <div id="dsq-comment-header-21301424" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301424" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301424" href="http://www.getrichslowly.org/blog/" target="_blank" rel="nofollow">J.D. @ Get Rich Slowly</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301424" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301424" class="dsq-comment-message">I read this article, too, and my first reaction was also "Hey! Maybe I could be a financial advisor." I went so far as to discuss the possibility with my wife (who made supportive noises). I love dealing with people. I\'m interested in the topic. I\'m smart. But: I have no background in this (other than personal education), and I have a hunch that my idea of what a financial advisor is and does is completely different than reality.<br><br>If I were a financial advisor, I\'d want to teach people to pay off their debts, help them learn to save, instill good money habits. Learning to invest is certainly a piece of this, but it\'s not the only piece, and I suspect that\'s the primary focus of financial advisors. What\'s more, I\'m willing to bet that financial advisors are required to shill for the comanies that employ them, and that would kill me. I don\'t want to be a salesman. I want to teach people good financial skills. Goading them into buying my investments is just shifting bad habits to my favor (or the favor of my company).<br><br>Still, I\'m going to take a deeper look into this...</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301425">\
	 <div id="dsq-comment-header-21301425" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301425" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301425" href="http://consumerismcommentary.com/" target="_blank" rel="nofollow">Flexo</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301425" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301425" class="dsq-comment-message">To answer Financial Fruition\'s question, and to address some of the issues here, I\'d be more interested in working the way a psychologist works, guiding people along a path to financial freedom, explaining the options and teaching how to make decisions, and not pushing any particular product.  That means no commissions, but that would be fine.<br><br>It would mean working for myself (though possibly not at first) to make sure I\'m not tied to any specific company\'s products.<br><br>My thoughts are along the lines of J.D.\'s above.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301426">\
	 <div id="dsq-comment-header-21301426" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301426" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301426" href="http://brcmapgirl.blogspot.com/" target="_blank" rel="nofollow">mapgirl</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301426" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301426" class="dsq-comment-message">Flexo, if you are interested in how people think about money and addressing the underlying mental issues that cause a financial decison making dysfucntion, think about becoming an LCSW too. I have thought about getting an LCSW and CFP combination since being a CFP is a lot about counseling people to make better financial decisions.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301427">\
	 <div id="dsq-comment-header-21301427" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301427" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301427" href="http://www.financialfruition.com/" target="_blank" rel="nofollow">Financial Fruition</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301427" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301427" class="dsq-comment-message">Flexo, I would seriously look at Fee Only Financial Planning firms, where you could get your feet wet.  This seems to be the type of Financial Advising you are talking about.  Your compensation is based on an hourly rate, net assets, etc.  It is not tied to any financial product you recommend.<br><br>A good source for reading up on financial planning is at the boards of <a href="http://financial-planning.com" rel="nofollow">financial-planning.com</a> (<a href="http://www.financial-planning.com/phorum/index.php" rel="nofollow">http://www.financial-planning.com/phorum/index.php</a>)<br><br>Good luck!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301428">\
	 <div id="dsq-comment-header-21301428" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301428" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301428" href="http://www.itsjustmoney.blogs.com/" target="_blank" rel="nofollow">lamoneyguy</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301428" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301428" class="dsq-comment-message">Flexo, a couple of points.  First the average "salary" that they mention is not a base salary, it is the average earnings of financial advisers.  I have worked in this industry for nearly ten years for a few firms, and no one who works in client advisory makes this as a base.  If you are a financial analyst for a mutual fund or hedge fund, perhaps.  But even then your pay is tied to assets and performance.<br><br>I agree that working for a fee only planning firm is the way to go.  If you are sales averse, however, this is not the profession for you.  Before you can advise a client, they must trust you enough to agree to pay you in some form.  That is sales.  There are so many people in this industry telling people that they are financial advisers, when in fact they may be insurance salespeople, stock brokers or mutual fund or annuity salespeople that the masses do not know what to think or whom to trust.  You can tell them, "but I\'m a fee only planner, I\'m the one you can trust."  But the other guys are saying other things and convincing the people to trust them.<br><br>The income potential is high, the flexibility is nice, but yes, it is stressful.  Clients expect performance and top service.  If you don\'t deliver, there are a thousand waiting in the wings.  Clients can be fickle.  One client expects you to outperform the market, the other expects you to outperform his brother who got lucky dumping a bunch of money in a gold fund a year ago.<br><br>If you are serious about it, go for the CFP.  See my post on how to become a CFP. You can start the process by taking the classes.  Even if you complete the classes and pass the comprehensive exam, you cannot call yourself CFP until you have two years of advising clients.<br><br>Good luck, let me know if you want any further advice.  If you have any specific questions, you can email me at lamoneyguy (at) <a href="http://gmail.com" rel="nofollow">gmail.com</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301429">\
	 <div id="dsq-comment-header-21301429" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301429" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301429" href="http://www.Mechanicsofmoney.com/" target="_blank" rel="nofollow">Gary</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301429" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301429" class="dsq-comment-message">You might periodically review the types of questions that financial advisors answer over at <a href="http://mechanicsofmoney.com" rel="nofollow">mechanicsofmoney.com</a>, to see if you might be interested in doing this kind of work on a day to day basis.  Personally, I love the job and I think Money may have messed up (being a financial planner should have ranked number one...).  <br><br><br>Gary</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301431">\
	 <div id="dsq-comment-header-21301431" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301431" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301431">Jim B</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301431" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301431" class="dsq-comment-message">Having been an advisor and having attained the credential of portfolio manager over the last 8 yrs at two of the top wirehouses, I can say with conviction that you are only as good as your conviction and ethics.  I swore that I would quit the day that I was told I had to push anything.  I only use independent research firms and my own due diligence to make investment decisions for myself and my clients.  For all the bad press that is out there regarding "full service" brokers, there are about 25% of us that make a good living while improving the lives of our clients and their families.  Like so many things in this crazy world, if you are honest, hard working and ALWAYS put your client\'s interest first; you can make a great living and really help those that are not able to manage their own money.  Just my 2 cents.<br>Good luck<br>Jim</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301432">\
	 <div id="dsq-comment-header-21301432" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301432" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301432" href="http://happycapitalist.blogspot.com/" target="_blank" rel="nofollow">thc</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301432" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301432" class="dsq-comment-message">I am a CFP(R) and started my career (and worked for 11 years) with two of the largest brokerage firms.  If you have high ethical standards (most of the people I worked with did) there should be no conflicts--just do what\'s right.<br><br>My career has evolved and now I run the financial planning offering for a fee-based wealth management firm.  We are currently only offering planning for our investment management clients and charge between $2500 and $5000 for a plan, depending on its complexity.  I love what I do, it\'s challenging and rewarding.<br><br>Anyone considering becoming certified as a financial planner should keep in mind that one of the requirements is 3 years experience in the business.  The curriculum and exam preparation can also be quite expensive.  Find an employer who will help pay some of the costs.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301433">\
	 <div id="dsq-comment-header-21301433" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301433" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301433" href="http://financialrounds.blogspot.com/" target="_blank" rel="nofollow">The Unknown Professor</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301433" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301433" class="dsq-comment-message">I\'ve been a financial advisor, and am now a college professor (never did software design, though).<br><br>The biggest downside to being a successful advisor is then first few years - your services are seldom "bought" initially - they\'re usually sold. SO, the first few years involves essentially selling yourself.  If you don\'t have a salesman\'s (or wonman\'s) personality and a REALLY thick skin, it\'s not an easy thing.  However, once the business is built, it\'s pretty good.<br><br>As for being a "perfessor", I\'d disagree that it\'s that high on the list - it should be HIGHER. It\'s different for different fields, but I think being a finance professor is at the top of the heap (other may differ, but they can make their own comment).  There are lots of jobs and you spend your days asksing (and answering) interesting questions (at least if you;re at a research school). You get to teahch people about something you find really interesting.  And best of all, they pay you extremely well (at better schools the starting pay is around $105-120K+ a year. <br><br>The downside is that you need a Ph.D., which almost always involves minimum of three years (and more likely 4-5) of post-MBA work, a lot of extremely difficult coursework (math out the yazoo), and writing a dissertation.  But if you make it through those hoops, I think it\'s about the most fun you can have with your clothes on.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301434">\
	 <div id="dsq-comment-header-21301434" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301434" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301434" href="http://www.mymoneyforest.com/" target="_blank" rel="nofollow">Tim MMF</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301434" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301434" class="dsq-comment-message">It took me a while to zoom in on Political Science as my major. I have a variety of interests as well. I\'m going to grad school, gotta max the GRE, but I\'ve considered double majoring in Business Administration or picking up an MBA. They\'re so useful. <br><br>Eh, who knows. A career as a financial advisor could be rewarding. And you\'d have great insight to write personal finance articles!!!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301435">\
	 <div id="dsq-comment-header-21301435" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301435" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301435">Brian Schoppe</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301435" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301435" class="dsq-comment-message">Flexo,  I am in the same boat as you.  I have been a software quality assurance analyst for just short of nine years now.  I have had a few different employeers.  However, I have never found much enjoyment in this profession.  Especially now that good jobs are harder to find and salaries are going down.<br><br>It became so depressing to me, that I found a psychologist that deals with people who have career issuse.  After speaking with me and having me take some interest inventory, she seemed to think I should look into becoming a Financial advisor.  Even before the Money magazine article.  Now I am facing the issue of finding more info about how to get into this field.  <br><br>Also, I am thinking about going back for my MBA.  It was useful when I was a consultant, but not much as a \'desk junkie QA\'.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301436">\
	 <div id="dsq-comment-header-21301436" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301436" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301436">derek</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301436" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301436" class="dsq-comment-message">Downside to being a financial advisor?   <br><br>The emotional and financial rollercoaster that comes with any sales job.  <br><br>You\'ve got to sell stuff (mainly yourself) but you\'ve got to sell a product and/or a service...otherwise, you can kiss that six figure income goodbye.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301437">\
	 <div id="dsq-comment-header-21301437" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301437" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301437" href="http://www.russellbailyn.com/weblog" target="_blank" rel="nofollow">Russell Bailyn</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301437" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301437" class="dsq-comment-message">Hey Flexo,<br><br>Lamoneyguy makes some good points in his comment.  When you decide to be a financial advisor, you have to consider how you want to specialize.  You mentioned that the "psychologist" aspect of advising appeals to you.  You\'d be surprised how few advisors are good at reading through the lines and understanding their clients.  Many advisors have a financial way of thinking and aren\'t all that good with people skills.  The problem generally comes up onnce you manage enough money to make a living- and you find yourself less interested in meeting with clients and more focused on gathering assets.  Working for an independent firm is, in my opinion, a good idea, and becoming a CFP never hurts.  I wouldn\'t say to work on a "fee-only" basis b/c sometimes, believe it or not, clients prefer to pay on a commission scale.  You might as well give yourself the choice to do both. Regards.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301438">\
	 <div id="dsq-comment-header-21301438" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301438" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301438">Mich</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301438" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301438" class="dsq-comment-message">Some of the big firms such as Merrill, UBS, and Morgan Stanley seem to be constantly looking for financial advisor trainees. They usually offer a base salary and comprehensive training.  Does anyone know anything about these positions (positives and negatives)?  <br>Thanks,<br>Mich</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301439">\
	 <div id="dsq-comment-header-21301439" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301439" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301439">ASoftwareEngineer</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301439" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301439" class="dsq-comment-message">Well, if I am looking at the same article, I guess I am in the #1 career listed.  I earn in excess of the \'average\' listed and I suppose that should be \'good\' but money isn\'t everything.  After 12 years of software development, I am sick of it.  Like Flexo, I have considered financial consulting and stumbled across this site.  The real problem is how to walk away from a job making decent living to start over in a career when you have a family. The course work in a certificate level program takes 18 to 24 months.  You then still have to pass the CFP exam and gain 3 years experience.  I guess it all depends on how bad you want to do something but that is a lot to go through.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301440">\
	 <div id="dsq-comment-header-21301440" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301440" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301440">McClane</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301440" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301440" class="dsq-comment-message">Words from an old man - When I was younger [18], an older man told me to always pay myself first. I followed his advice and today I live very well. It makes me very sad today when I talk to my older friend who did not follow his own advice. He still lives from check to check. So pay yourself first, invest, and if you lose a little, it\'s OK. Just keep going. After 10 or 20 years, it will add up.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301441">\
	 <div id="dsq-comment-header-21301441" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301441" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301441">Tara</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301441" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301441" class="dsq-comment-message">I go to the Financial Advisor Symposium every year in Las Vegas and I find it to be a big help!!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301443">\
	 <div id="dsq-comment-header-21301443" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301443" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301443">unlikely MBA</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301443" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301443" class="dsq-comment-message">Hi -- lIke many of you, I am considering becoming a financial advisor. I have a super extroverted personality, love talking and being with people and am high energy. Also, I just completed a MBA. <br><br>I too am suspect since it seems all the big companies are offering these training programs -- I have to wonder," What\'s the catch?"</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301444">\
	 <div id="dsq-comment-header-21301444" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301444" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301444">Chad</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301444" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301444" class="dsq-comment-message">There are some very interesting points made in the previous comments.  Although I\'ve been told on many occasions I should be a car salesman, I too am not interested in pushing stocks and funds (outside interests) on anyone.  My interest lies in teaching/guiding people how to manage their income, assets, etc so that they can establish very little debt and achieve independent economic success (large net worth).<br><br>Can anyone tell me if having a degree is required in addition to the CFP?  <br><br>I do not have a college degree.  However, I served seven years active duty Army from 94-01 and have a very likable personality and strong work ethic.  Since leaving the Army in 01, I have achieved the six figure income I dreamed of while not enjoying the job (computer work) and living in Northern Virginia.<br><br>I\'ve recently given up the six figure income and relocated to Oklahoma City for a better quality of life.  People here just seem to be more real.<br><br>I enjoy crunching numbers and analyzing different strategies on how to best make my money work for me.  I drive my wife nuts!  <br><br>At any rate, any additional information on how to move forward with pursuing this profession will be greatly appreciated.<br><br><br>Cheers,<br>Chad</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301445">\
	 <div id="dsq-comment-header-21301445" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301445" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301445">JimmyMich</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301445" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301445" class="dsq-comment-message">Chad,<br><br>I may be mistaken but ANYONE can call themselves a "financial advisor" and if you can find anyone to pay you for your advice/services, you are in the business.  I am considering this line of work down the road when I retire in a maximum of 10 years.  I want to be at the point where I don\'t need the money and will do it because I enjoy it.  <br><br>I am not a salesman but would enjoy helping people (by word of mouth) build a plan for low cost.  A lot of this stuff is not rocket science and there\'s a niche of people that don\'t need a professional (CFP) to work with them.  I\'m not willing to put the work/expense into what it would take for that (CFP) but I possess a lot of personal experience that I feel I can share with certain folks.  Unfortunately, if you have to make a living off of financial advising, it will take more than the casual effort I\'m prepared to give.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301446">\
	 <div id="dsq-comment-header-21301446" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301446" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301446">Terry Leeders</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301446" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301446" class="dsq-comment-message">#3 job?  they must not be doing a good job, otherwise they wouldn\'t have had to do the bankruptcy reform that happened in 2005 in BAPCPA law.  General personal finance should be taught in high school.  Drop the home economics and teach these kids how to balance a checkbook, how not to spend what they don\'t have, and how to live within their means!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301447">\
	 <div id="dsq-comment-header-21301447" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301447" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301447" href="http://www.financialzen.com/" target="_blank" rel="nofollow">zen</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301447" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301447" class="dsq-comment-message">I just wrote something similar to this -  we\'re similar in our conclusion and desires (but you\'re much more closer to the point I want to be).<br><br>I\'m still working towards my degree in Finance, if I ever get to the point of a CFP I\'ll let you know :)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301448">\
	 <div id="dsq-comment-header-21301448" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301448" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301448">catbat77</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301448" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301448" class="dsq-comment-message">Hello.  I am 31 years old and will be graduating with my MBA in December.  I have four children (young ones) and am looking to return to the workforce after being off for a year and a half.  I have fourteen years of accounting experience and am wondering if I should become a financial advisor.  I do not have ANY sales experience but I am a likealbe person and a very hard worker.  I interviewed with Merrill Lynch and have been given the opportunity to go through their training program.  I am not sure if this is what I want to do.  I need advice.  I want to know if anyone has worked for them and also if this is the best company to go through?  I also am curious to what the actual job entails?  How many hours do I really have to work over 40 and would working my forty plus maybe a Monday night and Saturday morning would do?  Also, would it be more feasible to just go get a job or do this?  Any advice would be greatly appreciated?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301449">\
	 <div id="dsq-comment-header-21301449" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301449" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301449">catbat77</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301449" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301449" class="dsq-comment-message">Can someone tell me what the difference is between these three credentials and also which one makes the most money and which one is the hardest job?<br>a CFP, a ChFC or a PFS (Personal Financial Specialist).-thanks :)</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301450">\
	 <div id="dsq-comment-header-21301450" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301450" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301450" href="http://www.financialzen.com/" target="_blank" rel="nofollow">zen</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301450" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301450" class="dsq-comment-message">From my (very limited) research:<br>CFP is Certified Financial Planner.<br>Est. income: ~$60k<br><br>ChFC - Chartered Financial Consultant has a higher income (according to one site) of 51%.<br><br>PFS - Personal Financial Specialist is for CPAs who want to get into financial planning.<br><br>PFS sounds like your best option (IMHO) but the other two require more experience in the financial sector (if I read it right). You should always double-check, as I am not any of these designations, just a Finance Student!<br><br>Here\'s an article that goes more in-depth: <a href="http://www.careerjournal.com/salaryhiring/industries/financialservices/20060427-hube.html" rel="nofollow">link</a></div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301451">\
	 <div id="dsq-comment-header-21301451" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301451" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301451">Noel</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301451" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301451" class="dsq-comment-message">Terry leeders.<br>the sad part about BK is that kids are not really the ones filling, the grown ups are doin it in large numbers at least til the new rules became effective aprox 30% of the grown up US population. just by constantly reading the horror stories of how ignorant most people are when it comes to ther finances. leads me to believe that there\'s a great deal of opportunity in the profession. i\'ve been involved in a similar profession the last 14 years of my life achieving the 6 figure income but of course it\'s getting old for me so I think a change will do me good, I know I\'m good with people so for me it\'s just a matter of compleating all  my courses and hooking up with the right company. Any recommendation of a good company will be greatly appreciated.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301452">\
	 <div id="dsq-comment-header-21301452" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301452" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301452">matthewbart67</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301452" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301452" class="dsq-comment-message">Catbat77: I\'m getting ready to enter the field after practicing law for many years.  My suggestion is to network as much as possible with others in the field before making a decision.  Find someone you know in the field or get a referral from someone in the field then go from there asking if there is anyone else you should meet.  I talked to at least 10 people in the field and spent 2 days on the job with a friend.  I also met with the branch manager and other advisers in the branch at least 5 times before getting an offer. Talk to wirehouse professionals and fee based independent planners. Find out as much as you can before making the decision.  Most people will want to talk about what they do and will help give you information. Take your time.  The industry is always looking for good people so the job will be there when and if you are ready.  Good Luck.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301453">\
	 <div id="dsq-comment-header-21301453" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301453" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301453" href="http://broknowrchlatr.mypfblogs.com/" target="_blank" rel="nofollow">broknowrchlatr</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301453" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301453" class="dsq-comment-message">I have just decided to work on getting a CFP.  There are several online programs that I am looking at, particularly one from Boston University.  I\'m not quitting my day job, though.   My current plan is to offer services at very low cost in my home town.  I just want to be able to get out of it what I pay into it in tuition.   After that, I think I would do it for almost nothing.  <br><br>I want to be able to help people and I think this is a good way to do it.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301454">\
	 <div id="dsq-comment-header-21301454" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301454" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301454">jasonw32</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301454" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301454" class="dsq-comment-message">I agree with matthewbart67 on his advice of networking to find the right match. I graduated with a degree in finance only one year ago and have since been working in insurance underwriting. If you don\'t network, it is very difficult to understand what your career as a "financial advisor" will entail. There are many places to work for in this career and from the research and interviewing I have done, they can be very different. I have been offered a position in which I would sell insurance and financial products. I\'m not sure if this is the way to go. Would selling financial products exclusively be a better option? They claim that being able to sell insurance products helps to get their foot in the clients door. Then they go after the clients investments. Sounds to me like they are glorified insurance sales agents. Any thoughts or input?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301455">\
	 <div id="dsq-comment-header-21301455" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301455" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301455">Underpaid Ph.D.</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301455" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301455" class="dsq-comment-message">If you want to be a college professor, get your advanced degrees in business, law, medicine, or the hard sciences. Do not even THINK about the humanities, the arts, education, or anything you imagine  might interest you more than the subjects above.<br><br>The only university faculty who get paid well are teaching in colleges of business, law, or medicine, or are researchers in engineering &amp; pure science. With a Ph.D. in English; 15 years of real-world experience as a journalist; two scholarly books, three trade books; and uncountable magazine and newspaper articles in print; 10 years of teaching experience--with top performance ratings--on the upper-division and graduate level, I was earning $43,500 before I moved to a better-paying supervisory job. The local newspaper published an article listing wages for city workers; staff in the city\'s maintenance department were earning more than I was.  <br><br>At my university, the people who earn in the triple digits are in business, law, medicine, &amp; the sciences. The rest of us who have the privilege of teaching gigantic classes of required courses never come anywhere near that kind of earning power.</div>\
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	 </li>\
	 <li id="dsq-comment-21301456">\
	 <div id="dsq-comment-header-21301456" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301456" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301456">Joeg</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301456" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301456" class="dsq-comment-message">I am a software / networking professional. I have been doing it a long time and I agree it feels like a million. Especially now with foreign competion and recent grads the wages are down.</div>\
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	 </li>\
	 <li id="dsq-comment-21301457">\
	 <div id="dsq-comment-header-21301457" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301457" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301457" href="http://www.yourlunchroom.com/" target="_blank" rel="nofollow">Clemente M.B.A</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301457" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301457" class="dsq-comment-message">I am considering a career as a Financial Advisor with SmithBarney for the three year paid training program. I finished my MBA in marketing in May of this year. I am wondering what is the salary they will be offering or what salary I should be asking for? I have many years in sales if anyone could give me some insight on the salary I should be expecting, pros &amp; cons about being a Financial Advisor I will greatly appreciate it.</div>\
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	 </li>\
	 <li id="dsq-comment-21301458">\
	 <div id="dsq-comment-header-21301458" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301458" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301458">trying to get there</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301458" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301458" class="dsq-comment-message">hey clemente mba, what did you find out about smith barney? I am looking to change careers (from the car business to Financial advisor). I am trying to find some needed info and salary expectations.</div>\
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	 </li>\
	 <li id="dsq-comment-21301459">\
	 <div id="dsq-comment-header-21301459" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301459" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301459">andre</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301459" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301459" class="dsq-comment-message">i am new to this Financial Life and am trying to learn about it. i am almost done getting my bills payed off and will soon be able to start a portfolio. i was hoping someone could point me in the right direction to a good book to help me learn how to manage a portfolio</div>\
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	 </li>\
	 <li id="dsq-comment-21301460">\
	 <div id="dsq-comment-header-21301460" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301460" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301460">multiguy</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301460" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301460" class="dsq-comment-message">I am an advisor, and make north of the total you mentioned.  I am only in my early thirtees, and have made a nice income in my eight years.  But the negatives are aplenty:<br><br>1  You are always on call.  You depend on your clients for your income and referrals, so your cell is always near, and always on.<br><br>2.  You will get yelled at all of the time.  It is a numbers game.  With 700 clients, 10% will be mad at you.  That is a lot of yelling.<br><br>3.  People are sue happy.  If you happen to start during a bear market, look out.  Most advisors are always under the stress of being sued.<br><br>Other than that, there are a lot of positives.  Best of luck!</div>\
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	 </li>\
	 <li id="dsq-comment-21301461">\
	 <div id="dsq-comment-header-21301461" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301461" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301461">shfintz</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301461" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301461" class="dsq-comment-message">I am a third year law student, who is considering becoming a financial advisor.  I have been through a few interviews. and it sounds pretty interesting.  Can anyone compare financial advisor to being an attorney at a small to mid size firm?  The pros and cons? Thanks</div>\
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	 </li>\
	 <li id="dsq-comment-21301462">\
	 <div id="dsq-comment-header-21301462" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301462" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301462">Jaye</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301462" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301462" class="dsq-comment-message">I am interested in the financial analyst/manager type career move.  I have taught government as a full professor for 15 years, I have a law degree, I would change careers for the money.  Not as much free time, but more money.  Student loans, husband had major surgery that our insurance would not cover.  So money is on my mind.  I make about 70K now and I have not passed the Bar.<br><br><br>Well, what do you think?  I am 45, no children, great husband who also teaches, but we never have enough money!</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301463">\
	 <div id="dsq-comment-header-21301463" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301463" class="dsq-comment-cite">\
	 <a id="dsq-author-user-21301463" href="http://www.girlsjustwannahavefunds.com/" target="_blank" rel="nofollow">Ginger @ Girls Just Wanna HAve</a>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301463" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301463" class="dsq-comment-message">I am also interested in this career path as well... but like you Ive avoided making any really solid decisions about what I really want to with my life.  This is after 2 Masters degrees and toying with the idea of a third along with the CFA designation.  Web development is something that I really wish I\'d pursued when I first moved to DC.  <br><br>DEcisions decisions...<br><br>The only thing that really kills me about the CFA position is the selling.  I am sooo not a sales person and I like working from home in my pajamas.</div>\
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	 </li>\
	 <li id="dsq-comment-21301464">\
	 <div id="dsq-comment-header-21301464" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301464" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301464">wittylinehere</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301464" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301464" class="dsq-comment-message">After reading this blog here are a few of my comments.  <br><br>I have been investigating this job thoroughly because I am interviewing for positions and am planning on accepting my offer from Smith Barney.  <br><br>If you love finance but you do not like sales, then this is not the career for you.  You would likely be happier as an analyst at an investment company.  Similarly if you are an excellent salesman but have not started studying finances this is going to be very difficult and probably not a good choice long term.  A financial advisor must posses two very different personality traits they must be highly social and highly analytical.  <br><br>The first few years you need to build a book of business.  After you get your insurance and broker licenses you are basically expected given a business card and told that you have X amount of time to get Y millions of dollars under management.  Now what?  Here is where you will need to sell.  In order to sell to people the idea that you should advise them on their finances and investments they will expect you to know about finances.  Hopefully you are like me and investing is has been a passion of yours for years.  <br><br>As time progresses the job transitions from sales to consulting.  Eventually you have built a large enough book of business, and have enough clients that trust you with their investments, such that you do not spend much of anytime selling.  Now the job is to make sure that all of your clients are meeting their financial goals, and that their assets are allocated properly.  If you do this well you should get a few more referrals and your business continues to grow to your ideal level. <br><br>All of the companies out there have different offers.  Northwestern basically wants you to peddle insurance.  You make money no matter what you sell, but you make a heck of a lot more when it is their insurance.  I could never work in an environment like that.  I want to be able to do what is truly best for my clients.   Then their are companies like Ameriprise financial.  They seem to want everyone with a bachelors degree that can pass a relatively easy test.  They had about twenty of us in a conference room where they tried to sell us on the job.  Evidently the base salary and commission is in the middle tier and they charge clients in the middle range.  Ameriprise also expects the financial advisor to front the $1,000 for the insurance and brokerage licenses.  Then after about ten weeks of study and waiting for the results, if you pass they will hire you and they will reimburse you for the licenses.<br>Edward Jones pays slightly higher than Ameriprise.  <br><br>At the high end of training and salary are Smith Barney, Merrill Lynch, Morgan Stanley, and UBS.  These are full brokerage wirehouses that also have the resources of the largest investment banks in the world.  For example Smith Barney is owned by Citigroup.  In the list of the top 100 advisors in terms of assets under management it is dominated by Smith Barney and Merrill Lynch, with a slight edge to Smith Barney.  <br><br>I don\'t know about all of these companies internal pay scales, but I went through interviews with Smith Barney and have received an offer.  They allow advisors to build the business as that advisor seems appropriate within approved guidelines.  This means you can build a business where you make purely a commission on everything that your clients buy and sell, or you can make a fee for assets held under management.  Like most Smith Barney Advisors I would choose to build my business in a Fee Only or Fee Based style.  I do not like the idea of my income being purely tied to when a client buys or sells stock.  It creates a bad incentive for me to buy and sell stock rather than create wealth.  I will want my clients to know that I only make more money by making them more money.  <br><br>Someone asked how much they would make with Smith Barney.  There is probably a range depending on your background and what you made in your last position.  That said, the three year base salary I was offered is in the mid $50s for the first 2 years and then begins to decline. With this base, the research I have seen shows that after all the bonuses and fees the first year total compensation range is $60,000 for such bad performance that you should start looking for a new job to $120,000 for the top ten percent.  This is assuming you are brand new and are not bringing existing clients with you from another advisory. As you can imagine they are highly selective about who they will choose.  Even after being carefully selected only about 60% of the new advisors build a successful book of business, and survive past one and a half years. The vast majority of those that hit the rigorous 1.5 year keep your job quota will survive to make a successful business.  Five years out the average earnings for a Smith Barney advisor is approximately $250,000.  Top 10% performers earn in the millions at that point.  For a reference Edward Jones had similar failure rates but the average starting earnings was half to two thirds of this and the five year out pay was closer to what is quoted in the above magazine article.  It is much like starting your own business except with lower failure rates and not quite as large of a financial pay off.  Maybe half make it and they have a solid shot at being a millionaire.  Try to start the next Microsoft and you are looking at maybe 2% make it but if you make it you have a shot at getting on the Forbes list.  Just like any investment there is a trade off between risk and reward.<br><br>There are also independent advisor companies.  Raymond James is one of the best in that area.  They allow you to buy the franchise and have less oversight.  The veterans are moving this way because they do not like the compliance that comes with being with one of the major wirehouses.  They also get more freedom, but they have to do all their own back office work and they give up all of the research and company professionals that work for the worlds largest banking companies.  In addition, I find the independent route particularly challenging for someone like me who is brand new in the business.  I could really use the training, mentoring, and brand name recognition that is available at a company like Citigroup\'s Smith Barney Advisors, Merrill Lynch, Morgan Stanley, or UBS.</div>\
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	 </li>\
	 <li id="dsq-comment-21301465">\
	 <div id="dsq-comment-header-21301465" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301465" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301465">Dave</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301465" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301465" class="dsq-comment-message">Many of you looking at his career opportunity are not seeing the whole picture. There\'s more to being an advisor than asset management. There are 77,000,000 \'Boomers\' that have run out of time to build a portfolio and simply need solutions to their retirement problems such as:<br>1. How to get out of debt before retirement.<br>2. How to get the maximum sustainable lifetime income from the nest egg.<br>3. How to get control of monthly expenses.<br>4. How to minimize tax liabilities.<br>There are 3 quadrants of the personal balance sheet that are being completely ignored by the wirehouse advisors.<br>....and, you don\'t need to be a "registered rep" to work with people in these areas. You can be completely independent, make a good income, and it\'s not about selling, either. It\'s about educating. It\'s about positioning.<br>People have big problems out there. There are practical and effective solutions. By positioning yourself between the two, your have value. Client will seek that value and you don\'t have to "sell" anything.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301466">\
	 <div id="dsq-comment-header-21301466" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301466" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301466">lookingatFA</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301466" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301466" class="dsq-comment-message">Witty,<br><br>Thanks for your post.  That really gave some great information.  I am currently interviewing with Smith Barney and Wachovia Securities.  I really like the fact that Smith Barney doesn\'t decline the salary for two years.  Most first start declining the salary very quickly.<br><br>Did you start with Smith Barney?</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301467">\
	 <div id="dsq-comment-header-21301467" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301467" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301467">Rob</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301467" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301467" class="dsq-comment-message">I\'ve been selling long term care insurance for years and am licensed in CT, NY and MA I\'m doing well but would like to work more with CFPs.  Specifically, I\'d like to be the backoffice for all their client\'s LTC needs. This would include doing all the work from marketing, conducting semianrs under the CFP\'s name, client meetings, administration and appeals. All done pursuant to a split commission arrangement.  I\'d appreciate any advice on approaches or strategies to becoming a CFP\'s backoffice on long term care insurance.</div>\
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	 </li>\
	 <li id="dsq-comment-21301469">\
	 <div id="dsq-comment-header-21301469" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301469" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301469">Smith Barney Advisor</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301469" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301469" class="dsq-comment-message">Get the Facts.  Can you bring in 30 to  50 million in Assets in 2 or 3 years?  The firms care about production.   If you are not 250 to 400,00 in production within 5 years you have wasted your career and the industry is pushing you out.  I left a 6 figure job to become an Financial Advisor.  Ever since this industry has gotten worse.  Are you ready to cold call every day, go door to door knocking?  They expect it yet the success rate of doing so is very poor.  Oh by the way you could open accounts all day long and you will fail if it isnt enough money.  I am talking big accounts.   All the big firms are pushing to eliminate pay on accounts under 50k - proposed by Smith Banrey, already 75k or close at Morgan Stanley, Merril, who knows who else given the landscape over the last year.    I left a 100k job have been in this business over 3 years worked 3 of 4 weekends per month for the first year or so.  I busted my ass.  My last pay check for 30 days was under $2000.  I dress sharp, have succeeded in every job I have ever had and built a nest egg of over 400k before entering this business.  I am 40.  I was about making money, investments, providing education and taking care of clients.  My work ethic was never in question.   There is not one FA in my office under 8 years that is confident about there future, their business.  If you are retired already and want to do it or if you are 2o something and aren\'t making any money aNYWAY.  Go for it.  My honest opinion is this business is a piece of shit.  That being said everything about investing, taking care of clients is great.  Compliance is terrible.  It is business hinderance.  The firms, they want someone to bring in million dollar accounts and relationships.  If you can\'t do that regularly you will be basing a career on hope and hype.   Trust me I am living it, I am a professional, hard working and educated.  This career move has me in a position I can barely feed my family.   If I didn\'t already have the assets to live from I would be in foreclosure.   MOst firms pay sALARY for one year, most banks 20k to low 30\'s base.   I wish someone would have been more blatenly open with me.  In the time frame of my training there was over 125 people that went through training.  Of that amount 25 are left.  I know 12 of them.  Three will likely survive.  Two joined teams and the other was given assets/business (so were many others and they will still not survive).  I could write a book on this.  I am 4 years into a piece of shit career built on the hope and hype that was relayed to me.  Average guy makes 160k year.   It wasn\'t until years later I found that was based on the average person being in the business for 15 years.   If you can make it past 5 years you have a chance if your production numbers are over 400k.  Do you know what it akes to get there?  How much in assets?  I know guys with well over 30 million in assets and they are not there.   Get your facts, get the answers and ask questions before taking the leap.   Lets say you charge 1 percent on fee based you get paid to grid 30 to 40 percent.  So if everything goes perfect your client invests 100k and everything is under fee you raise $1000 for the firm.  You get paid to grid 30, 35, maybe if your lucky 40%.     That\'s 300 - 400 per year for that.    How many $100,000 accounts do you need to make 50 or 60k a year.   Exactly.  Think about it.   How many millionaires can you make be part of your business?   Even if you know some the process is the larger the money the longer it takes to get there business. Good luck.  Do not be as Naive as I was.  I felt it was what I wanted to do I was going to work hard and never look back.   I jumped in hard with the premise this is what I was going to do no matter what.  What the ___ was I thinking.  Call around and ask a lot of guys that have been in the business 5 to 8 years what they are making - really.   Have them show you there paycheck after the salary runs out.    You will be surprised.  Ask those under 5 years if they would recommend the job to their best friend.   Are they comfindent about there career or future?  I guess it is all relative if you wish to make 30, 40, 50 or 60k.   At least for awhile until the firm doesn\' want you because your production is to low.    Lowest quintile and at 5 years oh, your pay - that\'s right your grid falls to like 20.   What happens when they stop paying you a salary!   Sorry, to be negative.   People act like this is the best job ever.   The only people I see making it are the ones that were handed business (money/assets) and a lot or plain got lucky or new many millionaires willing to give them money.  Hard work doesn\'t mean anything don\' let them full you.   The industry is much different then it was even 5 years ago.   I wish I could share more.   Let\'s see Wachovia, Merril, Smith Barney keep naming names.  How many times did employees wonder who they were going to be working for?  what there pay would be or if they were going to get cut.   Don\'t jeopardize your family on this career move without facts.</div>\
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	 </li>\
	 <li id="dsq-comment-21301473">\
	 <div id="dsq-comment-header-21301473" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301473" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301473">paperpusher</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301473" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301473" class="dsq-comment-message">Smith Barney Advisor:<br><br>I can remember getting my B.S. in finance and later my MBA and interviewed with MSDW, SSB, the Pru and Axa. Everytime I was offered a job I didnt like the 1) instability of the economy (my B.S. was earned and 9/11 happened immediately after, consequently driving the stock market down..and upon getting my MBA we have hit a major recession) and 2) the attrition rates. I opted for the accounting side of business and have worked in it for close to 10 years. I found the stability of a paycheck a better bet than making the big bucks. I make around 50k now but I work in the educational finance field. I occasionally get offers from advisors.."well, hey you have degree in finance and an MBA, you would do great" To me that sounds more like they are recruiting someone with a heartbeat. I dont get paid a whole lot but great health benefits and stability give me more piece of mind. Now in my 40\'s and single w/ no children I still will opt for the slow and steady (and smart) route to retirement rather than jump on a fast train to nowhere. Your writing has helped me understand what I need to understand at mid-life...I\'m just not cut out for the sales oriented business..my gut has always told me this..so I stick with govt work, rely on years of service and highest pay grade to solidify my happy retirement. Thanks for the words</div>\
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	 </li>\
	 <li id="dsq-comment-21301470">\
	 <div id="dsq-comment-header-21301470" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301470" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301470">Smith Barney Advisor</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301470" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301470" class="dsq-comment-message">I read the statement after 5y ears Smith Barney advisors make $250,000.   If you think that is true you are clueless.  They may make $250,000 in production.   That would be about 75k likely a little more.   That is right.  If you survive the first 5 years and your production is 250k or more your grid depending on the firm is 30-40%.   You can call every branch in your state.   250k in income at 5 years what a hoot..   If you find that to be true ask to see he is pay check.  Then, still you better understand how he got there and how that relates to you.   That statement my friend is very naive and is without merrit.   A lot of hype and hope.   Another thing someone else said if you like investing and want to play the market it likely isn\'t for you.   That is not what the business is about.   Stockbrokers are the minority.   You can still do it but good luck trying to be succesful with your business.  Not too mention every trade you do for yourself even after the 50% discount is still going to cost you $30 - $150 per trade.  That is right you the broker your fee.   My advice: Get the facts and don\'t jeopardize your family.</div>\
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	 </li>\
	 <li id="dsq-comment-21301471">\
	 <div id="dsq-comment-header-21301471" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301471" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301471">Smith Barney Advisor</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301471" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301471" class="dsq-comment-message">The bigger firms have more to offer clients more fund choices, more private money mangers, separately managed accounts, more resources period, CDs from many banks, bond trading desks, insuraqnce, lending, you name it.  It really is who is the client and what makes sense for them given what is out there period.   An insurance guy who offers nothing but insurance solutions isn\'t a financial advisor.  At least not in my opinion.  There are major differences in the top fims (UBS, Merril, Morgan Stanley, Smith Barney,) vs. mid tier and regionals Raymond James, Edward Jones, AG Edwards (now Wachovia I mean Wells Fargo.   Merril, I mean Bank of America and Smith Banrey Soon to mean Morgan Stanley), the insurance carriers Lincoln, John Hancock, Prudential, Pacific Life, .., and the low end Ameriprise, lowest end primerica.   The banks are equal to the regionals in offerings usually unless connected to the wirehouses.  Last but not least you can work with Allstate, statefarm, etc.  Primerica is about as low as you get.  They convince the masses in that one.  It is more important to sign someone else up then it is to selll anything or give advice.    Educate yourself, be smart ask serious questions, don\'t rush into it and know what it is you are selling besides yourself.  Don\'t jeopardize your family.  I have said enough.  Too many people in here talking circles about the idea.  I wish I would have had more facts and committed to the idea of an exit strategy sooner.   Good luck.  If you know a lot of business owners and can bring in millions in assets this could be the easiest job you ever had.   Ex.  If you had 1 client worth 100 million and you charged 1%.  At most firms you likely would get 50% grid - that\'s money.   The fact is the less clients you have that are really wealthy the easier it will be.  If you can\'t have $5 million in assets the first year and at least that every year after you should assess who you are going to work for and what you will be paid.  15 million you only make about 50k a year.    The insurance guys make a lot more - closer to 90% grid.  Then you get insurance and you offer insurance.  Hi  mr. client of our 5 insurance products you fit into plan B.  I really should stop now.   Sorry about the grammer, spelling, run ons etc.   This was more a factual  vent.  Given this career I have jeopardized my family and now need to get paid.  This game is over for me.     Also, I think it is important to note I interviewed with American Express now Ameriprise, Wachovia, Edward Jones.  I took a job at Legg Mason first based on the corporate culture which was very important to me.  I went to Smith Barney through citigroup acquision.  I have had conversations with many advisors from many firms and have discussed and work with many advisors at insurance companies.  I actually got Life &amp; Health certified back in the day looking into Primerica. Once they told me it was more important to sign people up then it was to work with clients I did some short research and realized that was nothing but multi level marketing.   I hope my ramble helps someone.  I am not checking back to follow up here and only hope that I am not hunted down by the eye in the sky for my honesty.    Understand how you get paid and said time limts for your expectations and goals.  Have an exit strategy.  I can\'t tell you how many great FA\'s I listened to preach their pitch set up by the company because they were doing great - only to find them no longer in the business a year or two later.   I will shut up now.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301474">\
	 <div id="dsq-comment-header-21301474" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301474" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301474">2FAornot2FA</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301474" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301474" class="dsq-comment-message">Smith Barney Advisor,<br><br>Thanks for your candid rant...I feel enlightened and appreciate your posts!<br><br>I recently retired from the Military (23 years) and was pursuing a second career as a FA.  I have a B.S. in Computer Science &amp; Mathematics and a MS in Computer Science.  Neither degree is current nor do I have a passion to become a \'code monkey\'.  For me programming and technology has always been a recreational interest.  I always told myself my second career needed to be a passion regardless of income; hence, the idea of becoming an FA.<br><br>I don\'t have formal training in finance but I\'ve always been passionate about investing.  With that said, I\'m currently in the last phase of the being hired as a FA with Edward Jones.  One of the steps prior to the final interview with Edward Jones was to knock on doors and conduct surveys.  The exercise was very applicable and generally defined what would be expected.  I spent 4 hours knocking on 110 doors that resulted in 15 \'decline to interviews\' and 25 \'full interviews\'.  Many people were not home or chose not to answer the door.  I believe in the value of being a FA and I can sell the hell out of things I believe in.  I can easily see my self doing this for 2 years or so to develop my client book eventually shifting more to an advisory roll vs a client building roll; however, the possibility of having the rug pulled out from under me after putting the insane effort into building a client book has me second guessing the FA path.  My final interview is scheduled for Friday and I find myself browsing the web for nuggets of clarity.  What to do what to do?<br><br>Options as I see it:<br>1.  Become an FA.  Obtain the series 7 license and CFP designation.  Fulfill the 3 year contract obligation and then decide to remain a FA or take my new found experience and move on to another area within the finance industry...maybe become a Financial Analyst instead.  3 years wasted???  Depends on how you look at it.  Fortunately, I\'m collecting a retirement and my family won\'t starve if I\'m limited to making chump change.<br>2.  Considering the crappy economy and the current unemployment rate, go back to school and earn my MBA.  I\'m considering an Executive MBA but don\'t know the pros and cons of an EMBA.  Bottom line:  Those baby boomers WILL eventually retire and corporate America will need management types to move up the food chain.  I used to manage Defense contracts for the government and I believe a fast track may be there for me, who knows.<br><br>Anyway, I just wanted to post a Thank You for the insight you provided.</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301472">\
	 <div id="dsq-comment-header-21301472" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301472" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301472">Charles</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301472" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301472" class="dsq-comment-message">Hello,<br>I am a recent business commerce graduate and interested in becoming an Financial Advisor and starting my own business. I read a blog here recently referring to advisors transitioning a Financial Advisor Business to a successor. Discussing also the growing population of investors becoming underserved by advisors due to financial advisors retiring at the same time baby boomers are requiring retirement planning services.  I\'ve not yet found a Mentorship program or advisor in my area looking for a junior advisor to step in as a successor, but all of the research I\'ve done seems to come back to The Advisor Business Exchange site looks like a great way to get your foot in the door! I\'m hoping this year with depreciated portfolio values and also baby boomers retiring, the timing will be right for me to start a career as a financial planner.<br><br>Any advice would be greatly appreciated if there are other approaches I should consider.<br><br>thx, Charles</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21301475">\
	 <div id="dsq-comment-header-21301475" class="dsq-comment-header">\
	 <cite id="dsq-cite-21301475" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21301475">futureinvestmentadvisor</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21301475" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21301475" class="dsq-comment-message">Hello,<br>I have found these posts useful, especially those from experienced advisors.  I have been managing<br>my porfolios for 15 years, with detailed tracking of 8 personal portfolios vs. various indexes, and<br>enter the value of each converted to a NAV on a friday closing basis, so I can track all this over time<br>on an excel sheet, during various market cycles and market events.<br><br>I exited the marke largely in 2007/2008, and have largely re-invested (70%) mostly in March/April,<br>anticipating a bottom to the bear market.  I follow market cycles and look at a lot of historical data<br>and trends.  I have perhaps 10-15 friends and aquaintences that have asked me to manage their<br>accounts, and I\'ve looked at starting an RIA business.  But I would prefer to work with an established<br>RIA for the mentoring, and so I would not have to re-invent the wheel.  I basically would charge a %<br>of assets under management (1%+), but primarily educate and guide clients on all their financlal<br>and related matters, as I have a natural nack for this, and meet people all the time who need help.<br><br>I almost took a position with AG Edwards (which I thought was one of the better Brokerage firms), but<br>they were very inclined to push high fee accounts, and didn\'t seem to care about market cycles or<br>protecting the clients portfolio.   I also talked with 2 private money managers, and would like to work<br>with a money manager as a support person, and also to grow an expanding client base on a <br>platform of asset allocation which makes sense and takes advantage of market cycles and trends.<br><br>If there is any advisor in the NJ area who might need some help or is willing to help with information;<br>I really would like to help the growth of a business, while I grow my own business and assets.<br><br>Thanks, FIV</div>\
	 </div>\
	 </li>\
	 <li id="dsq-comment-21350612">\
	 <div id="dsq-comment-header-21350612" class="dsq-comment-header">\
	 <cite id="dsq-cite-21350612" class="dsq-comment-cite">\
	 <span id="dsq-author-user-21350612">michael0909</span>\
	 </cite>\
	 </div>\
	 <div id="dsq-comment-body-21350612" class="dsq-comment-body">\
	 <div id="dsq-comment-message-21350612" class="dsq-comment-message">I am interviewing with ML for their Practice Management Development Financial Advisor in NY and I wondered if anyone has experience with the interviews and more importantly what the basic salary is - I have $100k in loans to pay to for my MBA so not really looking to be destitute for the first year.</div>\
	 </div>\
	 </li>\
	 </ul>\
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