Hi guys,
As I really like when people let others know about their findings I try to be the same as well. I spent hours and hundrets of dollars researching this, trying out every chat application I could find. Wanted to have it integrated to my webpage so visitors could discuss as much as they want directly on my site.
I decided to go with Rumbletalk as it offers the biggest amount of functions. I specially like the ability to change the design, ability to use it on phones just as smooth as on computers, I often post some videos or charts as well and it works with that beautifully.
It is also not a resourse hog as I often had problem with other applications. Well it really is decent embed live chat. Worth checking it out!