Hi, I'm new to online trading. I put $1000 bucks in an online trading site, and I've made a few purchases of stock, but they haven't done too well so far. The site advertises that it charges $5 per trade. I was surprised by one, where they tacked on another $5 because it was foreign, but that doesn't seem too unreasonable. But I was more surprised when they tacked on another $15 for a "Settlement Amount". What is a Settlement Amount? Is that standard, and is $15 for a purchase reasonable? How do I buy stocks where I don't have to pay that? They have not added that to all of my purchases.