Hello Crusader...from Oregon... :)...!
Welcome to Multiplayer!
Multiplayer on FS 2004 is really, REALLY, easy!... ;D...!
First thing...>>> Install this...."FS Host Spy", and put the Short-cut Icon on your desktop.
http://www.chocolatesoftware.com/fshostspy/Running that program will then reveal all the Multiplayer Servers on the Internet, who is on-line, and their IP Addresses, (xxx.xxx.xxx.xxx) which you can choose, and type into your FS 2004 Multiplayer Connect option!
Pressing Enter/Return in the Sim Multiplayer will reveal the "Chat Window"...time to talk!
A few Addresses to try...>>>
Sim V: 178.63.253.134 (Password Protected!).
New Zealand InSPire: 203.114.130.15 (Free).
Worlds Serious Pilots (WSP): 66.90.73.187. (Free).
Flightsim: 67.240.51.120. (Free).
...plus lots more out there!
Don't be surprised if it appears to be very quiet...other Folks may spot you, and turn-up...on your tail!...

...!
Its lots of fun, with loads of help available!
Paul...FS 2004...G-BPLF...and a flask of hot Tea...

...!