With Skype   just download a small software program and in minutes you can be talking with any other Skype user in the world for free using your computer and Internet connection. 
 
I've found this service to be very high quality with no delays in talking. It works and works well.  All you need is a headset or microphone plugged into your computer.

The free service requires that the people you talk to also have Skype  on their computer. If you want to talk to someone on a regular phone, you'll need to purchase a 1 year, unlimited calling plan that costs a whopping $36.00. This will give you unlimited access to any phone in the US and Canada.
 
If you want to talk internationally, the costs are only about 2.1 cents per minute. But it's still free if you talk Skype to Skype.
 
If you've signed up for a ChiefExperts.com Webinar, you'll be able to join all of the conference calls for an entire year for only $36.00 Skype  Another great thing about this service is that you can also listen to the Webinars through your headset or computer speakers.