diff --git a/indra/llui/lltextparser.cpp b/indra/llui/lltextparser.cpp
index 707dd0afd..84c9e29a3 100644
--- a/indra/llui/lltextparser.cpp
+++ b/indra/llui/lltextparser.cpp
@@ -245,15 +245,14 @@ LLSD LLTextParser::loadFromDisk()
 bool LLTextParser::saveToDisk(LLSD highlights)
 {
 	mHighlights=highlights;
-	std::string filename=getFileName();
-	if (filename.empty())
+	if (gDirUtilp->getLindenUserDir(true).empty())
 	{
-		llwarns << "LLTextParser::saveToDisk() no valid user directory." << llendl; 
-		return FALSE;
+		// User didn't login, so nothing to save.
+		return false;
 	}	
 	llofstream file;
-	file.open(filename.c_str());
+	file.open(getFileName().c_str());
 	LLSDSerialize::toPrettyXML(mHighlights, file);
 	file.close();
-	return TRUE;
+	return true;
 }
diff --git a/indra/newview/llconsole.cpp b/indra/newview/llconsole.cpp
index 937ccec24..db2d474b0 100644
--- a/indra/newview/llconsole.cpp
+++ b/indra/newview/llconsole.cpp
@@ -456,6 +456,14 @@ void LLConsole::Paragraph::updateLines(F32 screen_width, LLFontGL* font, bool fo
 LLConsole::Paragraph::Paragraph (LLWString str, const LLColor4 &color, F32 add_time) 
 						: mParagraphText(str), mAddTime(add_time), mMaxWidth(-1)
 {
-	makeParagraphColorSegments(color);
+	// Only call makeParagraphColorSegments if the user logged in already (we come
+	// here before he logged in when they disabled login/logout screens).
+	// Otherwise makeParagraphColorSegments calls LLTextParser::getInstance() which
+	// causes a one-time initialization by reading highlights.xml, which fails
+	// when not logged in because it's per account.
+	if (!gDirUtilp->getLindenUserDir(true).empty())
+	{
+		makeParagraphColorSegments(color);
+	}
 }
 	
diff --git a/indra/newview/llfloaterchat.cpp b/indra/newview/llfloaterchat.cpp
index 88030b6b0..f9e99c6d6 100644
--- a/indra/newview/llfloaterchat.cpp
+++ b/indra/newview/llfloaterchat.cpp
@@ -497,6 +497,10 @@ void LLFloaterChat::addChat(const LLChat& chat,
 //static
 void LLFloaterChat::triggerAlerts(const std::string& text)
 {
+	// Cannot instantiate LLTextParser before logging in.
+	if (gDirUtilp->getLindenUserDir(true).empty())
+	  return;
+
 	LLTextParser* parser = LLTextParser::getInstance();
 //    bool spoken=FALSE;
 	for (S32 i=0;i<parser->mHighlights.size();i++)