OTR
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Instant messaging typically goes through the server of the protocol you're using, for example, Microsoft in the case of MSN, and anyone else between you and your recipient can read all of your instant messenger conversations as it's all plain text. In comes Off-the-record messaging which adds encryption to the mix, so this is no longer an issue.
gaim is an IM client that does all of the popular IM protocols, this includes Yahoo!, MSN, Jabber, AOL, IRC, Sametime, etc.
Installation is two steps for Windows, Linux, or BSD
If you use windows, use the first windows installer, don't choose the one with no-gtk or debug in the name. Also if you use windows remember if the version you're downloading starts with a 1 or a 2.
If you use windows, download the appropriate version.