FSX has voice capabilites built into the system, along with the other features.
with the previous versions, Teamspeak, or to a lesser extent, Roger/Wilco, and Ventrilo; are programs used by gamers for voice chat. the program of Choice for Flight Sim is Teamspeak. go to
www.goteamspeak.com to get the RC2 CLIENT. then find flight sim servers (look at the multiplayer forum) and join up.
even with the built in voice, most people still use teamspeak becuase of habit and ease of use.

hope this helps!! Welcome to SimViation Katrina, no one is a Noob here!

Ramos