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M$1 Answer
My two favorites are AIM and Jabber/Google Talk. AIM is very popular, but using a more open IM protocol like Jabber can also be nice for cross-server communication.
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M$
Here is a good comparison of various IM protocols. on wiki.
http://en.wikipedia.org/wiki/Comparison_of_instant_messaging_protocols
It also includes security and audio video features.