My ears are bleeding!

How do I make her stop????
I know that 10 years from now, I'll wish she was talking to me, but now, I can't do anything without a lengthy, all over the place conversation (one-way) from her. I've tried to play quiet games, set rules (no talking to me while I'm on the phone or in a conversation with another adult), redirected her activities (crafts, electronic games, computer, pretend play) but she just KEEPS TALKING!!
I don't want to punish her, but my patience these days is very thin. I try to tune her out, but she just keeps speaking louder!
And, it's not that I don't pay enough attention to her or don't talk to her enough. I'm always talking with her. There are just some times (when I'm paying bills or on the phone or trying to spend some time with DS) that I need quiet!
Any ideas?