www.scottrade.com very basic...1 chart...10 quotes.......good for realtime back up. not the best, but its free like a sore weiner, you can't beat it.
I don't know of any free real time chats. There are a few rooms that give a free one week trail. IM me for good rooms.
I like scottrade, too. Especially the new high/low ticker. Here's another chart link http://www.prophetfinance.com/charts/pc.asp