What Kind of Customers Need Help From Mortgage Advisors?

Mortgage advisors are qualified financial advisors who help property buyers to make informed choices and complete the mortgage application process. Advisors spend a lot of time working closely with their customers in order to understand their personal and financial situation, so if you are considering mortgage advisor jobs it is important to think about the types of customers you will be serving.

Client Relationships

Many mortgage advisors work for a bank or building society, providing advice on the mortgage products offered by their employers. Such advisors will typically work out of a branch office and deal with customers who have approached the lender with the intention of applying for a mortgage, although advice may also be given by phone for clients who are completing mortgage applications online.

Mortgage advisors may also take mortgage broker jobs, in which case they may be able to advise their customers on a broader range of products, from different lenders, although there may still be some limitations. Again, their clients will usually be prospective buyers who have approached the brokerage firm for advice, although chasing leads can play a part, and advisors may meet with clients in their own homes.

Some chains of estate agents employ mortgage advisors in their offices. As when working for a broker, advisors at these agencies may be free to recommend any product, or tied to particular companies if their employer has an agreement with the lender. Customers will usually be directed to the mortgage advisor when they are in the process of buying a house through the agency.

Mortgage advisors can also work for independent financial advice groups or work independently for themselves, in which case they will be free to recommend products from any lender. Clients may seek help because they prefer to speak to an independent advisor or because they are experiencing difficulties with their mortgage application.

Advisors working in any capacity are required to inform their clients whether they are giving independent advice or if they are tied to a particular company; and they always have a legal duty of care to their clients.

Who Needs a Mortgage Advisor?

A mortgage is one of the largest and longest financial commitments that most people will ever make, so it isn’t unusual for a buyer to seek expert advice to ensure they are making the right decisions. Demand for mortgage advisors has also grown recently due to the increasing complexity of the mortgage application process, so most buyers will now speak to an advisor before making a purchase. Many advisors will therefore spend their time assisting individual buyers who are taking out or changing a mortgage for their own home. The advisor might be dealing with anyone from a young first time buyer to a family remortgaging their home or a pensioner buying a retirement property.

However, there are also some more complex cases that can arise. Landlords and property developers may need advice before buying a property, in which case the advisor will need to consider the local rental market or the feasibility of the developer’s plans when determining whether the mortgage is affordable. Companies can also require advice when they are taking out a mortgage on business premises, which will again add to the complexity of the case, as the adviser will need to consider the future financial prospects of the business when determining which mortgage to recommend.

The Secrets to Finding a Financial Advisor

1. How often do they meet with their clients?

It is important to know how often your financial advisor expects to meet with you. As your personal situation changes you want to ensure that they are willing to meet frequently enough to be able to update your investment portfolio in response to those changes. Advisors will meet with their clients at varying frequencies. If you are planning to meet with your advisor once a year and something were to come up that you thought was important to discuss with them; would they make themselves available to meet with you? You want your advisor to always be working with current information and have full knowledge of your situation at any given time. If your situation does change then it is important to communicate this with your financial advisor.

2. Ask if you can see a sample of a financial plan that they have previously prepared for a client.

It is important that you are comfortable with the information that your advisor will provide to you, and that it is furnished in a comprehensive and usable manner. They may not have a sample available, but they would be able to access one that they had fashioned previously for a client, and be able to share it with you by removing all of the client specific information prior to you viewing it. This will help you to understand how they work to help their clients to reach their goals. It will also allow you to see how they track and measure their results, and determine if those results are in line with clients’ goals. Also, if they can demonstrate how they help with the planning process, it will let you know that they actually do financial “planning”, and not just investing.

3. Ask how the advisor is compensated and how that translates into any costs for you.

There are only a few different ways for advisors to be compensated. The first and most common method is for an advisor to receive a commission in return for their services. A second, newer form of compensation has advisors being paid a fee on a percentage of the client’s total assets under management. This fee is charged to the client on an annual basis and is usually somewhere between 1% and 2.5%. This is also more common on some of the stock portfolios that are discretionarily managed. Some advisors believe that this will become the standard for compensation in the future. Most financial institutions offer the same amount of compensation, but there are cases in which some companies will compensate more than others, introducing a possible conflict of interest. It is important to understand how your financial advisor is compensated, so that you will be aware of any suggestions that they make, which may be in their best interests instead of your own. It is also very important for them to know how to speak freely with you about how they are being compensated. The third method of compensation is for an advisor to be paid up front on the investment purchases. This is typically calculated on a percentage basis as well, but is usually a higher percentage, approximately 3% to 5% as a onetime fee. The final method of compensation is a mix of any of the above. Depending on the advisor they may be transitioning between different structures or they may alter the structures depending on your situation. If you have some shorter term money that is being invested, then the commission from the fund company on that purchase will not be the best way to invest that money. They may choose to invest it with the front end fee to prevent a higher cost to you. In any case, you will want to be aware, before entering into this relationship, if and how, any of the above methods will translate into costs for you. For example, will there be a cost for transferring your assets from another advisor? Most advisors will cover the costs incurred during the transfer.

4. Does your advisor have a Certified Financial Planner Designation?

The certified financial planner (CFP) designation is well recognized across Canada. It affirms that your financial planner has taken the complex course on financial planning. More importantly, it ensures that they have been able to demonstrate through success on a test, encompassing a variety of areas, that they understand financial planning, and can apply this knowledge to many different applications. These areas include many aspects of investing, retirement planning, insurance and tax. It shows that your advisor has a broader and higher level of understanding than the average financial advisor.

5. What designations do they have that relate to your situation?

A Certified Financial Planner (CFP) should spend the time to look at your whole situation and help with planning for the future, and for achieving your financial goals.

A Certified Financial Analyst (CFA) typically has more focus on stock picking. They are usually more focused on selecting the investments that go into your portfolio and looking at the analytical side of those investments. They are a better fit if you are looking for someone to recommend certain stocks that they feel are hot. A CFA will usually have less frequent meetings and be more likely to pick up the phone and make a call to recommend purchasing or selling a specific stock.

A Certified Life Underwriter (CLU) has more insurance knowledge and will usually provide more insurance solutions to help you in reaching your goals. They are very good at providing techniques to preserve an estate and passing assets on to beneficiaries. A CLU will generally meet with their clients once a year to review their insurance picture. They will be less involved with investment planning.
All of these designations are well recognized across Canada and each one brings a unique focus on your situation. Your financial needs and the type of relationship you wish to have with your advisor, will help you to determine the necessary credentials for your advisor.

6. Have they done any extra courses and for what reasons?

Ask your prospective advisor why they have done their extra courses and how that pertains to your personal situation. If an advisor has taken a course with a financial focus, that also deals with seniors, you should ask why they have taken this course. What benefits did they achieve? It is fairly easy to take a number of courses and get several new designations. But it is really interesting when you ask the advisor why they took a certain course, and how they perceive that it will add to the services offered to their clients.

7. Who will be meeting with you?

In future meetings will you be meeting with the financial advisor, or with their assistant? It is your personal preference whether or not you wish to meet with someone other than the financial advisor. But, if you want that personal attention and expertise, and you want to work with only one individual, then it is good to know who that person will be, today and in the future.

8. Are you the ideal client for the advisor?

Are your financial needs similar to many of their clients? What can they show you that indicates a specialization in your area and that they have other clients in your situation? Has the advisor created any marketing pieces that are client friendly for those clients in your situation, over and above what they offer other clients? Do they really understand your situation? Once you have explained your personal needs and the type of client you are, it should be easy to determine if you are an ideal client for the services they provide.

9. How many clients do they work with?

It is important to know how many clients your prospective advisor works with. Are you one of 100 clients or one of 1000? Based on your assets are you in the top 15%, or the bottom 15% of their clients? These are important things to know. Ask if you are one of their top clients or one of their bottom clients, if will you receive more attention or less attention?

10. Do they have a network of professionals that they trust and can refer you to when you have a need?

It is valuable for an advisor to have a strong network of professional individuals available to their clients, in which they have full trust. Your advisor should know and trust these individuals completely, so that if an issue arises with them, your advisor will be able to go to bat for you.

11. Ask the financial advisor for a list of clients that you can contact.

Are there any clients that have given testimonials and who would be willing to speak to you about the advisor and the services provided? Ask these individuals how they enjoy working with the advisor and their staff. Ask some of the questions that you have asked the advisor, such as, Who do they meet with when they have their meetings, the advisor or an assistant?

12. How does the financial advisor contribute to the community?

Whether or not this is important to you, it is a good question to ask. You will discover if the advisor has given back to the community and if they are doing things over and above the day-to-day job to give back and help others.

13. How do they feel they will best help you and support you in achieving your goals?

This may be a question that you want to ask the advisor in a second meeting, if you have a two meeting process. Ask: How can they bring value to the relationship? What do they feel they can help you with? What will they do to ensure that you achieve your goals?

14. Do they have any tools that they have developed specifically for their clients?

I have touched on this earlier as well. This is really where you can see if a financial advisor is pro-active and if they specialize in a specific area or a specific type of client. An advisor who is pro-active should be creating some tools or have some processes in place to support their clients in their target market. Some of the tools will be used behind the scenes, but should be able to be explained to you, and provided to you during your relationship, to help you achieve your goals and keep you on track.

15. Do they prefer to meet at their office or are they willing to come to your house and why?

It is a great idea to go to the advisor’s office to meet with them initially if you are able to do so. This will allow you to see their office and their working environment; and, it will give you a sense of what type of an advisor they are, and the clients, with which they work. In the same respect, if you do not live close to their office, you should question if they are willing to come to meet with you at your home. If not, you will want to understand why they want to meet only in their office. Likely, they believe that they can provide the best possible service where all of their paperwork and resources are readily available, despite which questions might arise. They may prefer to come to your home once to see your environs and to get a better understanding and feel for the type of client you are. But, if you are unable to get out to meet with them, or if your situation in this regard changes in the future, you will want to know how this will be managed.

16. Do they do financial planning, and if so, do they charge for it?

If you are looking for somebody who is going to look at your overall situation, and who is going to spend the time to help you plan how to meet your goals, you will want an advisor who is proficient at financial planning. If you are looking for a broker whom you simply want to be able to phone to have them place a trade for you, then you will not need financial planning. Understanding whether financial planning is provided is a key component. Be very careful that you are actually getting financial planning when you ask an advisor if they do financial planning. Also, you must understand whether or not there are any fees associated with the planning service. Some advisors may charge an additional fee for the planning on top of everything else that they do, while others will provide you with an actual financial plan at no additional cost.

17. Do they look at the whole picture or only one area?

It is important to know if the prospective advisor has a particular focus. Are they proficient with investments, insurance, financial planning, retirement planning, taxes, and estates? Will this one person be able to take over all of these areas for you? Will you be able to establish a relationship with one solid individual who understands all aspects of your financial situation? Or will they only help you with your investments and have someone else do your taxes, your insurance, your estate planning and retirement planning? Will you need to go out and find the others who do that? It is important to understand if the advisor can look at the whole picture or only one or two areas. You will be able to achieve your goals more quickly if an advisor can service your entire financial portfolio, because each of those areas mentioned, needs to understand and complement the others, while not undermining them, which may occur if various individuals are working on different aspects of your financial plan.

Things to think about during the process

Is it convenient to meet with the advisor? Are they able to meet with you at a time of your liking, or did you have to go out of your way to set up the initial meeting? Are you comfortable with them and their staff? Do you get a good feeling from what they do and what they say to you? Do you sense that they have your best interests in mind? Is their office setting efficient and comfortable?

The Role of Mortgage Loan Advisors in Home Mortgage

Well, the field of investment and finance is really difficult to understand. You really need to work hard in order to become successful here. This article could certainly help you in understanding a few concepts of home mortgage. Further in this article we are going to talk particularly about the role of mortgage loan consultants. These loan consultants are really very important for you. Purchasing a home is an essential process of all our lives. So, you really need to make a sound decision when it comes to selecting a proper mortgage loan advisor.

Before delving further in to the topic, let us first understand a few important things regarding home mortgage loan advisors. Well, mortgage advisors are professionals who are legally trained for this field. You can simply rely on these individuals when it comes to your house mortgage options. These professional help you secure best possible deals in house mortgages. They also help you in bringing down the cost of mortgage. So, we can say that all in all they are extremely dependable options for you.

I would like to bring this to your knowledge that mortgage advisors really provide you a number of benefits. A good mortgage consultant utilizes his understanding and abilities to offer the most appropriate home mortgage to go well with a client’s private needs and requirements. The mortgage loan advisor will not though, manage the assembling of the credit and consequently the customer would require to contract straightforwardly with the banking institution to assemble the house mortgage. These consultants usually do not subsist single-handedly in this field.

Now, given below are some of the most important benefits of appointing a mortgage loan officer for your home mortgage.

1. These advisors take care of their client’s requirements moderately. They even sustain and notify the customer from preliminary enquiry all the time.

2. Mortgage loan consultants take time to put on thorough understanding of the client’s individual conditions and objectives.

3. These trained professionals offer unbiased, skilled, exterior inspection of home mortgage products.

4. These professionals and consultants can recognize the most probable mortgage lender in strange circumstances, thus preventing the requirement for numerous credit checks.

Besides, all these things loan professionals offer a knowledgeable examination on the lodging market in common. So, these are some of the essential things regarding mortgage home advisors. Make sure you read this article properly before appointing an advisor for your home mortgage. It could certainly provide you some assistance in this field.

Surviving a Bad Graduate School Advisor

There are bad advisors in every institution of higher education in the world. Bad advisors cost students thousands of dollars, many months of unnecessary toil, and in too many cases, the graduate degree they are seeking. The EBD “degree” (Everything but the Dissertation) is frequently the result of bad advisement. Graduate students are abused by unscrupulous advisors, some of whom may be ignorant of their responsibilities toward the student, some who are deliberately abusive because graduate students represent an unwanted annoyance, or worse, advisors who enjoy the feeling of empowerment over another human being.

Red Flags

Students should be aware of red flags when choosing an advisor, such as:

1. A faculty member new to the department can make a bad advisor. He or
she is probably on a tenure track, meaning their work will be scrutinized by other members of the department and the college to which they belong.

I heard the following complaint typical of this red flag within the last month: “My department chair said Professor Smith was a rising star and had a lot of creative ideas. When I chose her and started my dissertation, she turned down the research topic I wanted to do and made me do her own. I am now doing my ninth revision of the proposal to do research, and she still keeps correcting practically every word I write.” I have heard this complaint, or a similar one, for 30 years.

New faculty members may be more interested in making a good impression on their new colleagues than in moving a student through the process in an expeditious manner, and the result can be an endless round of corrections and additions to a thesis or dissertation as they try to turn out a perfect piece of work on their first try. Also, they may never have managed a graduate student, and lack the skills to do so. Advisors do not take a class in how to be an advisor. Consequently, they tend to put students through the same process they went through themselves, and it may not have been a good model.

2. “You can call me Bob.” An advisor who insists that the student call them

by their first name is a red flag. This unfortunate behavior instantly puts the student at a disadvantage because forever afterward this artificial “friendship” prevents the student from speaking up, and may lead to all kinds of requests of the student that are not appropriate. The opposite is the advisor who acts like a king on a throne and forces the student to become a supplicant.

3. “Professor Jones is the finest researcher and scholar we have on the staff. He is supporting 10 graduate students, and is in demand as a speaker. It is an honor to be his student because he can really help you professionally.” This recommendation by a helpful faculty member is a red flag. An advisor who has a string of publications on their record and several research projects may look good on paper, but they do not necessarily make good advisors because graduate students can at the bottom of their priorities. They have little time to spare, are almost never in their offices, every meeting is hurried, and their trips to conferences and meetings can keep a student from making deadlines.

4. An advisor who fails to apprise a student of 1) the ground rules of the
departmental graduate or graduate school processes, or 2) the ground rules of their personal process for moving a student through research and writing a thesis or dissertation. The omission of information lays traps students. This particular red flag is hard to detect before it is too late, so the student should study the thesis and dissertation process of both the university and their department as if it were another class. There are several books about the process available on Amazon.com., particularly “Writing the Winning Thesis or Dissertation” by Glatthorn and Joyner.

The Rules

The unspoken rules of the graduate process keep students blind from the beginning. First, the chain of command is never explained. When in graduate school the Dean of the graduate school is the Dean presiding over the graduate student, not the Dean of the college. This arrangement is one of the checks and balances in place to protect graduate students from abuse. The position of graduate Dean is often a part-time appointment in addition to a regular faculty role. Consequently, the graduate school Editor, or an Assistant Dean are charged with the responsibility for solving student problems, and bringing those they cannot solve to the Dean’s attention.

When I was a graduate school editor I had the lofty title of Research and Writing Coordinator, but I was just an editor. Because there was no Assistant Dean, I was usually the first person to hear about abuse of a student. Only twice in 12 years was it too late to salvage the situation with the help of the Dean. Often, it was a matter of teaching the student to “manage upward,” as I called it, which I will discuss later in this article.

Second, a department must prove it is a viable asset to the university. In large part, departmental value to the university is based upon how many students they graduate per year. For instance, if a philosophy department only graduates one or two students a year, the department may be eliminated through programmatic reduction, including all faculty, tenured or not.

The university adds up the cost of the space a department occupies, the overhead to maintain that space, the cost of journal subscriptions for the library ordered by the department (that can cost a small fortune), classroom space, and all other costs of maintaining a degree-granting department. If the department cannot justify the expense of maintaining the program, it is in danger of being eliminated. This is one reason departments write research grants. A large percentage of grant money is given to the university for “overhead,” some is used to support the research project, and some supports graduate students.

One would think advisors would be cognizant that the very existence of their department is on the line when they abuse students to the degree that they never graduate.

Bad Behavior in the Ranks

Choosing an advisor should be easy after a student has taken a few classes from each member of the department, but it is not. A “nice” instructor may be the worst advisor in the department. A bad advisor has one or more of the following characteristics after they accept a student for advisement:

1. They treat graduate students like servants, asking them to sweep floors, stock
shelves, run errands, and do other tasks more appropriately assigned to a secretary or a paid assistant, and may ask a student to help out in their personal life by grocery shopping, cleaning the pool, or taking a car in for service. One student I counseled, in addition to all of the above, was cleaning up dog scat from his advisor’s back yard every day.

2. They take credit for student work, publishing papers under their own

name, talking about discoveries in meetings as if they were their own, and may go so far as to flunk the student out and then publish on the research the student generated. I know of two cases where the graduate student shot the advisor between the eyes for this last scurrilous behavior.

In another instance, the advisor of one student I counseled, together with two of the committee members, destroyed all of the student’s notes from which the dissertation was to be written, destroyed (or hid) the mutant strain of fruit flies that the student had developed, and threw away all of the student’s possessions, claiming that they thought this abrasive, but brilliant student, had left for good when he had only gone on vacation. The research represented a breakthrough in cancer research. In this case, the graduate dean signed the three-page dissertation himself as a committee of one, and the three faculty members were fired.

3. They do not define the graduate process for students by
withholding information, such as the need for approval to use of human subjects, which is a Federal law, the need to submit only letter-perfect complete drafts for approval (there is no such thing as a “rough” draft in graduate school), graduate school editorial requirements, deadlines, or other information critical for continuous forward progress. “They’re supposed to be adults. They should find out these things for themselves,” several advisors have told me. Nonsense. This bad behavior is entrapment.

4. They deliberately delay giving a draft back in a timely manner until the student is obliged to register for another semester. This behavior is particularly prevalent in online universities, many of whom are more interested in money than they are in granting degrees to students. I know of seven students from four different online institutions who will never graduate because after three or more years of working on their dissertations they have run out of money for additional semester hours. “Register for just one more semester and we will finish up,” is what students are told. There are no checks and balances in online universities to stop advisor abuse. In at least one case, it is the online institution that is abusive.

5. They riddle draft after draft with hundreds of corrections again and again.
These advisors frequently correct their own corrections. These advisors want the thesis or dissertation to sound like they wrote it themselves, and will endlessly correct language in the belief that they are making necessary changes.

6. They read a few token pages of a draft, find a few things wrong, and send the draft back for a complete revision, giving the student the unhelpful comment “Continue as shown.” If the student could read the advisor’s mind, this would be reasonable advice. If the student knew what the advisor wanted, it would have been done right the first time.

7. They demand that the student copy the exact format of the last several theses
or dissertations the advisor chaired, whether it suits the content or not. This behavior has one of two possible causes. Either the advisor is arrogant and egotistical and thinks his format is perfect, or the advisor is afraid to depart from a format with which he or she is familiar. In fact, I read a dissertation that had only 5 pages of text – and 50 pages of pictures of the wings of dragonflies. The dissertation represented four years of research. There is no “perfect” thesis or dissertation.

8. They allow students to propose such a huge research project that it will take

years, and/or thousands of dollars, to collect the data. Such students usually quit because they run out of money, or time, and become EBDs. One student I recently counseled had been allowed to propose collecting data by conducting personal interviews from over 1,000 elementary school teachers, one at a time. She would never have completed this task before her tenure in graduate school was terminated. Another last year was going to survey a giant sample of people scattered across the entire U.S. for a thesis. First, such a project for a thesis was inappropriate, and second, it would have taken years.

9. They do not have the courage to tell the student that they should drop out
of graduate school because they are not doing graduate level work. When I was
the graduate school editor I read an appalling dissertation from a very nice student. She had an advisor and three committee members. One committee member said he would “never” sign her dissertation after the oral defense, and she had come to complain about it. Her committee member was right. The dissertation looked like the work of a seventh-grade student. I wondered how she had gotten so far in higher education, and why she had not been stopped sooner by her advisor or the other committee members. Apparently, only one committee member had the courage to refuse her dissertation. She sued the university, but she did not get her doctor’s degree

There are other bad behaviors not listed here. The sign that a student has a bad advisor is when deadlines are missed, forward progress is attenuated, and no end is in sight. Becoming a victim of the Stockholm syndrome should not be the only way to get a degree.

The Cost of a Bad Advisor

Count the cost of a bad advisor. By the time a student gets to the thesis or dissertation “proposal to do research,” they have already paid 2-3 years of tuition, books and fees, and more expense looms ahead for an indefinite period of time. They have lived in places that may have been less than desirable. They have lost wages they could have had if they had not been geographically tied to the degree-granting university and unable to seek the best paying job elsewhere. They have lost 2-3 years of life when they could have been doing something more enjoyable and less costly in time and money, which is why graduate students become doormats for bad advisors. They are afraid their entire investment will be lost if they protest their treatment.

If your advisor has any one of the nine above described characteristics or others that are impeding your forward progress you need to seek help. It only takes one bad behavior on the part of an advisor to make your graduate experience a nightmare. There are several Websites that specialize in assisting students from the time they choose a research topic to the end of the oral defense, or contact the author of this article.

Manage Upward

People think of the word “manage” as downward actions people execute who are responsible for subordinates and programs. The key to surviving a bad advisor, or later, a bad boss, is to develop the skills to manage upward. Manage the manager.

Following are some tips for surviving a bad advisor.

1. Graduate school is professional school, and students should act like
the professionals they hope to be from the first day they set foot in the department. That means dressing well, keeping an appropriate social distance from members of the faculty, and keeping the majority of their personal life to themselves.

Students should choose an advisor as carefully as choosing a partner in life. The student should interview graduate students a year or two ahead in the program, or better, some who have graduated who had the same prospective advisor. Those who are still in the department may not want to say anything negative about their advisor because their own degrees might be threatened if negative remarks got back to their advisor. Some departments assign an advisor in an effort to level the work load, and the student has no choice. The bad advisors get the same number of students as everyone else, and they can hide in the numbers.

Before making a choice students should go to the library and find the last two or three theses or dissertations a prospective advisor has chaired and look at the format, the depth of the statistical analysis, the length of the review of literature, and the intensity of the detail. This should be done by every graduate student. Advisors tend to repeat themselves student after student.

2. If a student has an advisor with any one of the bad behaviors listed previously,
or another behavior that is delaying forward progress, the student should seek help immediately. Following are three Websites that specialize in assisting graduate students, or contact this author for a reference.

A. disseretationadvisors.com features consultants who have experience assisting students throughout the thesis or dissertation process including advisement about 1) choosing a research topic, and 2) writing the proposal to do research. In addition, consultants will edit all that the student writes. These consultants can also prepare the student for the defense.

Should You Remove the Content Advisor Password?

How often are you using the Internet? Do you find that a number of the websites are blocked because of your content advisor? The content advisor is a great way to remove vulgarity from your computer and you don’t even need to install or purchase a program to do it. However it can get tedious to type in a password every time you want to go chat with your pals in a discussion group.

The content advisor is one of the best ways to stay safe online and to keep other people in your home from going to trashy websites that just don’t belong in your home. If you are tired of inputting the password each time, you can always remove the password or shut off the content advisor so you don’t have to deal with it anymore.

To remove just the password from your Content Advisor, head to your Start menu and click on RUN. Now you need to type in “regedit” and click OK. This will pull up a different menu where you need to look for this phrase HKEY_LOCAL_MACHINE. Once you find this, click on it and then continue to scan through your registry until you find the ratings folder. Now you want to look for the Registry window and click on Key and then delete it.

In order for the changes to take effect you need to exit your registry edit restart your computer. This will allow you to go to sites without actually needing to type in the password. However, what are you going to do if you are tired of the Content advisor altogether? You can disable it so it will stop blocking you from some of your favorite websites.

To disable your Content Advisor you need to open up a new internet explorer session. Go to your Tools menu and click on “Internet Options”. Once you are in your options folder you need to look for the tab that says “Content”. Click on this tab and it will pull up your content advisor. Click on “disable” and you will have a new box that asks you to confirm the disable. You don’t need to input a password since you just went to all the work of deleting the password. Once you have disabled it, click on OK and you are good to go.

Now is it really a good idea to disable your Content Advisor? It may seem like a good idea to you but have you stopped to think about all the other people in your home that use the internet? Are they going to be able to browse the internet safely and securely? Perhaps you have children at home that will suddenly get exposed to pornographic sites when they accidentally typed a wrong word into the search engine.

What about a person in your home that has a pornography addiction? Do you really think it is worth it for their sake to take the Content Advisor off? The content advisor can completely destroy the success they have been able to find with it on. If you are considering taking it off, talk to a couple of the people living with you to find out what they think about the content advisor. You may find that a lot of them may want to keep it on because it does help them avoid some of the temptations that come along with the internet.