First off, what is Talk.com? It's basically a chat-room set up by the folks at HotWired. It allows real time chat in a fairly user-friendly enviorenment that is free access. Talk.com can be accessed two different ways, either by using the Java chatroom, or by accessing their server through Telnet. The way I will attempt to lead through, will be how to use the Java chatroom. The use of the Telnet feature requires some knowledge of Unix and I just can't explain it. Sorry!
To be able to use the Java chatroom, obviously your computer must be able to support Java. People on commercial ISPs should have no restrictions on Java. For those using university or government servers, might encounter some sort of restriction. The more common problem is that Java requires a 32-bit OS like Windows 95. So basically if you're not running the latest version of Netscape or (dare I say it) Internet Explorer on Windows 95, you can't use the Java chatroom.
Step by Step
Now you should be all ready to try it out. I hope the Step by Step is comprehensive enough for you to start out on the path to chatting. If you have any queries, just direct them to me and I'll see if I can help. Have fun!