The pillars of wudu are: washing the face, washing the arms up to the elbows, wiping the head, washing the feet up to the ankles, washing these parts in order, doing these actions consecutively.

Talking during Wudu is permissible, because there is nothing to indicate that this is not allowed according to Shari`ah.

It is obligatory to remove anything that may prevent water from reaching the skin, but one is forgiven for a very small amount such as dirt under the fingernails or in cracks in the feet, after trying hard to remove it.