A good, cheap mic can be built using a Panasonic WM-61A electret mic capsule available from Digi-Key electronics for under $2. If you are using a Creative SB Live, Audigy, Audigy2, etc, you already have a mono mic input that provides 5volt dc power for the mic. The mic can be built into a stick type ball point pen housing (papermate,e.g.) See the attached diagram for wiring. You will need only a 2.2K ohm resistor and a 10uF capacitor.