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Headsets with Microphone
Headsets with Microphone

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For PC-to-phone calls, you can reduce interference between speakers and a microphone by using a headgear with a mike attached to it.  Don't spend a lot, however.  A headset for $10 or less would be good enough for the purpose.  You would not hear "pindrop" anyway.
1. Do your own research.

2. Specific vendor

Other Saving Ideas on the Net

--- DSL / dial-up Internet access providers: Free/Paid

--- Internet Auto Buying

--- Free Greeting Cards Online

--- Get Music online: MP3, CD, DVD, tapes, videos

--- Internet Banking
         Online Instant Payments for Auctions and between Friends

--- Online Stock Brokers

--- Tax Returns Online: Find forms, prepare returns or e-file.

--- Free Long Distance Calls: PC-to-Phone or PC-to-PC
         Phone-to-Phone Long Distance Calls: Free/Paid
         Free Voicemail / Answering Machine / Fax
         Free Answering Machine / Receive Fax without a fax machine