Mike, I presume you already have speakers connected to your computer ( Most computers do)
All you now need is a cheap microphone to plug into your sound card.
These will only cost 5 bucks.
Download skype for free from
www.skype.comYour set.
I have chatted with people USA, Canada, New Zealand and Australia.
It's very clear, ther is only a little delay in the chat but you soon get used to that.
It even works with dial up, although it can be a bit choppy at times.
I highly recommend you make the 5 buck investment