Anyone who registers and logs in can use the Chat feature. When you click the link a new browser window should open to take you there.
It's a great place to hang out and chat with others.
Think of it as a room though. When you go in you might be the only one there. Look to the top right corner of the window for a list of who is in the room.
Better yet, look to the bottom of the Forum Home page for a list of rooms and who is in each room.
Come on in and hang out until others join you.
(Sorry you had so much trouble with the chat room tonight eatdirt1)