If his conception of GD matures further, he will trust in Him in all the means, those that are demanding and those that are undemanding, and his aim in employing them will be to serve GD and fulfill His commandments. pg 469
Daily Halacha 21 Teves
1. Shulchan Aruch rules that idle talk is forbidden in shul, even when prayers are not being recited. The idle talk includes a conversation about one's livelihood or other essential needs. Nowadays, there is some room for leniency concerning such talk since some Rishonim rule that shuls are generally built with a "precondition" allowing them to be used for essential matters other than davening.
2. During a scheduled prayer session, one may NOT separate himself from the congregation and engage in idle talk.
3. Talking during prayers causes a chillul H'shem since it, unfortunately, lends support to the widely held perception that non-Jews are more careful than Jews to maintain proper decorum in their houses of worship
4. When one is wearing his tefillin, he should refrain from idle talk
5. During certain portions of davening, talking is provided for additional reasons as well. Sometimes talking is considered a hefsek, an "interruption," which may invalidate the portion which is being interrupted, while at other times, talking is prohibited because the congregation must give its undivided attention to that portion of the service