I must say that I love my Voip phone especially as I live in the country, saves on all those STD calls.
Currently don't have it for incoming as I don't get a lot of incoming traffic but great for outgoings.
Mine is set up with a "real" phone so I am not tied to my computer. It doesn't cost me anything per month and my calls are 12.5c untimed. It is a prepaid but that is fine at that low price it lasts forever. Oh and I am with www.mynetfone.com.au
If anyone has any questions, feel free to throw them at me!