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    Quorum - The Rationale Behind It
    1. IntroductionIn a Democratic State, all people are equal before law and given equal protection of all laws of the land. It is said that two people are better than one. In other words, it means two or more views or opinions are of better understanding over the subject matter in issue or question and the decision or solutions forwarded or made will focus on the better side or darker side of the subject or object. If there is burning issue and which involves welfare of the people or institution or the minority then only one person cannot decide over the matter because it requires more brains and guts decide. A single individual cannot think in many and different ways, what many people collectively can do. So there is need for more brains to discuss over the issue and come to a reasonable resolution. It is the majority opinion shall prevail.To decide over a matter there must be some minimum number of persons. This is called quorum. There must be a number which can be divided as majority and minority by their opinions and stance. This minimum number is called quorum. For instance, if there are fifteen members in an association, if the prescribed quorum is fixed to five members for a meeting. It means that to commence a meeting there must be minimum five members. These five members can be divided in 3:2. Three is the majority opini
    from SIPphone. In this setup, you could add incoming virtual phone numbers for $12/3 months or $35/year that will allow folks to call you. All incoming calls are free to you and to the person dialing (as long as it isn't a long- distance call, of course). They also maintains in major cities that users can dial, enter your SIP number, and then be connected to you free of charge. They also have decent outgoing rates for non-IP calls and sell making this a solution that scales well for the average user. There's even an Adium plugin available for you Mac users out there.

    Stanaphone is a free service from hosting giant Intermedia that also provides you with a free virtual phone number in the New York City area. You can also receive faxes sent to your virtual number in your email. Voice mail is also included. You can also utilize a SIP phone adapter with the service, but you'll have to pay to make outgoing calls to standard phone numbers. At 2.6 cents a minute for calls in the US, they're a bit more expensive than Gizmo/SIPphone but the free virtual number and fax receiving are nice bonuses although their service lacks in other features. Stanaphone has a softphone client for Windows and PocketPC, but Mac users can also use CounterPath's X-Lite softphone with the service. The web site also says only Stanaphone to Stanaphone calls are free, so you might be better off sticking with Gizmo and their flexible peering agreements.

    Free World Dialup offers SIP network services, but also has their own combination Video IP Phone / instant messaging prog

    How To Make Big Money On eBay Selling Other People's Stuff
    There are 35 million users on eBay's US site and 50 million users of eBay's international sites and that number grows every day. Even with those numbers, there are still millions of people who know very little about eBay or are afraid to try it.There are millions more who know about eBay, but just don't have the time or inclination to sell items themselves.Hundreds of people in your very own neighborhood have tons of things lying around the house that would sell on eBay, but they don't have the time or know-how to get them listed and sold. This means opportunity for you.Time To Start Your Own eBay Consignment BusinessAs we've discussed many times before, the biggest problem eBay sellers have is finding merchandise at a low enough price to sell on eBay.With an eBay Consignment Business, people give you merchandise to sell with no risk on your part. You auction the goods on eBay and pay the consignor (the person who gave you the goods) the proceeds of the sale less your commission and fees.If something doesn't sell, you simply return the item to the consignor.If you can find people to consign goods to you, then you have created an unstoppable money machine.How Much Can You Earn?eBay consignment professionals charge fees ranging from 10% on very high priced items up
    The buzz surrounding Voice over IP technology has been growing for quite some time, but only recently has the notion of ditching standard telephone service grown so compelling that companies like Skype can claim over 215 million downloads of its product. In this article, we'll explore the current offerings and help you make wise choices while embarking on the VoIP path.

    Let's start with vocabulary. The most important and oft-repeated acronym you must learn and understand in regards to Voice over IP is SIP. SIP stands for Session Initiation Protocol, a well-established, open-standard protocol that is the glue to the VoIP world. It allows a vast array of services, software, and hardware to work together to create flexible, feature-rich calling solutions with many attractive benefits. If it doesn't support SIP, you shouldn't support them.

    WHAT DO I NEED

    At minimum, you need a high-speed Internet connection, a SIP phone number, and a softphone. A softphone is a software version of an IP phone that lets you make calls using your computer.

    Some services, like Stanaphone and Gizmo, will provide you with a softphone to use with their system. Most of these will only let you configure SIP numbers that belong to their network. If you want to utilize multiple SIPs across different networks, your best option is to use X-Lite, a free softphone from Counterpath (formerly known as Xten Networks). With X-Lite, it appears you can configure up to 9 different SIP numbers. Like Gizmo, X-Lite comes in Mac, Windows, and PC versions.

    If you want to use your existing phone, rather than a headset or microphone and speakers, you'll need an analog phone adapter. Dedicated, SIP-compatible IP phones are also available. Wi-Fi IP phones can be carried with you and used wherever there's a wireless Internet signal. There are also WiFi mobile phones available.

    You should also receive a SIP URL which looks similar to an email address and is a simple way to share your new contact information. You can easily dial a SIP URL in your softphone application or link to it from a web page. If you're using a hardware phone, SIP Broker has a free service that can maps the SIP server names to short numeric codes, allowing you to easily dial users on over 200 different services.

    WHAT CAN I DO WITH IT

    You can make free calls to other IP phone users worldwide. You can make calls to traditional phone numbers or attach a local phone number that routes to your SIP number, allowing regular phone users to call you. If you travel, you can carry that same phone number with you wherever there's an Internet connection, and the folks back home won't incur long-distance charges when they call you. Free voice mail, too, and messages are delivered to your e-mail.

    In a business situation, you could slash or eliminate your long-distance charges by setting up free calling between remote or international offices. Videoconferencing also becomes possible without dedicated line charges. For the more adventurous, you could also setup a PBX. Asterisk is a powerful, open-source PBX system with a feature list that can give any sized business the advantages of a full-fledged digital phone system.

    If you work in a scenario where 2-way radios are utilized, DingoTel offers a product which can turn these in to VoIP walkie-talkies while making use of the radios full reception range, sometimes up to 12 miles depending on the model.

    For the budget-conscious, with some services like Gizmo and SIPphone, standard phone users in major cities can dial a free access number, enter your SIP number and speak to you via your IP phone. SIP Broker also maintains a few numbers which allow callers to dial SIP numbers on any of their 220+ supported networks.

    It may seem tedious, but programming the entire of sequence of numbers in to a phone's contacts directory is quite straightforward. Just remember to insert pauses to allow for the phone system's menu options to respond. If your friends have free long-distance calling plans, they could reach you via any of the available access numbers mentioned above at no cost to either of you.

    IPKall and Stanaphone will give you a free local number as long as you don't mind it being in Washington State or New York City. IPKall will forward your number to any SIP URL, but Stanaphone's will only work with the SIP number provided through them.

    Free World Dialup and SIPphone have peering agreements allowing you to SIP dial users on a number of different VoIP networks using a short prefix. SIP Broker can also help you reach anyone on a service that allows incoming SIP calls, which Vonage and CallVantage do not.

    There are also SIP-compatible softphones available for the Pocket PC, Palm OS, Symbian, and Linux handheld markets that can turn your handheld in to a cordless Internet phone.

    SERVICE PROVIDERS

    You have to pay when you want make calls to regular telephone numbers. If you want a local number that links to your SIP number, that'll usually cost you, too. The good news is that the prices are very reasonable. There are many service providers, plans, and packages out there to suit home and business users. Here are some important questions to ask:

  • Does the plan include hardware, i.e. an analog phone adapter?
  • Will I own the hardware being provided by the service?
  • If I am buying the hardware, is it locked to your service or can I use it with other SIP service providers?
  • Do you offer a "Bring Your Own Device" calling plan?
  • Does the plan include a virtual phone number so anyone can call me?
  • Are all incoming calls free?
  • Can I receive incoming SIP calls by number and/or URLs?
  • Make sure you understand any contracts, fees, calling rates or restrictions before agreeing to service. There are numerous service providers offering free and paid services. With a little bit of research, you'll find something ideal for your intended purpose.

    OPTIONS

    If you're looking to stay on your computer while having some room to grow, check out Gizmo. Gizmo is an excellent, cross-platform SIP softphone that works with network services from SIPphone. In this setup, you could add incoming virtual phone numbers for $12/3 months or $35/year that will allow folks to call you. All incoming calls are free to you and to the person dialing (as long as it isn't a long- distance call, of course). They also maintains in major cities that users can dial, enter your SIP number, and then be connected to you free of charge. They also have decent outgoing rates for non-IP calls and sell making this a solution that scales well for the average user. There's even an Adium plugin available for you Mac users out there.

    Stanaphone is a free service from hosting giant Intermedia that also provides you with a free virtual phone number in the New York City area. You can also receive faxes sent to your virtual number in your email. Voice mail is also included. You can also utilize a SIP phone adapter with the service, but you'll have to pay to make outgoing calls to standard phone numbers. At 2.6 cents a minute for calls in the US, they're a bit more expensive than Gizmo/SIPphone but the free virtual number and fax receiving are nice bonuses although their service lacks in other features. Stanaphone has a softphone client for Windows and PocketPC, but Mac users can also use CounterPath's X-Lite softphone with the service. The web site also says only Stanaphone to Stanaphone calls are free, so you might be better off sticking with Gizmo and their flexible peering agreements.

    Free World Dialup offers SIP network services, but also has their own combination Video IP Phone / instant messaging prog

    Low Interest Debt Consolidation Loan - Are You Young and Already Have Way Too Much Debt?
    The last thing any of us wants to start out our lives with is debt. Yet, it is often the price we must pay for a tertiary education. Unfortunately, when we graduate and get our first jobs they are not likely to be high paying. A low interest debt consolidation loan may be an answer you haven’t considered, however it could be well worth your while to give it some serious thought.Chances are you do not have just one debt as a result of going to college. You probably have a number of deferred loans that kick into life the moment you graduate. Computer loans, fees, books and even living expenses can all optimistically be put on credit to deal with at some ‘better’ future time. That time has finally arrived and you’re sinking fast. A low interest debt consolidation loan can combine all these different debts into one lower interest loan to be paid off over a definite term. This loan can significantly reduce your monthly payment costs, freeing up much needed money for current living expenses.Another important benefit of a low interest debt consolidation loan is that it will save you a lot of money over the long term. College education is expensive enough without paying out thousands of unnecessary dollars in interest charges. The lower the interest and the shorter the term of the loan, the less you will pay for your education in the l
    >

    If you want to use your existing phone, rather than a headset or microphone and speakers, you'll need an analog phone adapter. Dedicated, SIP-compatible IP phones are also available. Wi-Fi IP phones can be carried with you and used wherever there's a wireless Internet signal. There are also WiFi mobile phones available.

    You should also receive a SIP URL which looks similar to an email address and is a simple way to share your new contact information. You can easily dial a SIP URL in your softphone application or link to it from a web page. If you're using a hardware phone, SIP Broker has a free service that can maps the SIP server names to short numeric codes, allowing you to easily dial users on over 200 different services.

    WHAT CAN I DO WITH IT

    You can make free calls to other IP phone users worldwide. You can make calls to traditional phone numbers or attach a local phone number that routes to your SIP number, allowing regular phone users to call you. If you travel, you can carry that same phone number with you wherever there's an Internet connection, and the folks back home won't incur long-distance charges when they call you. Free voice mail, too, and messages are delivered to your e-mail.

    In a business situation, you could slash or eliminate your long-distance charges by setting up free calling between remote or international offices. Videoconferencing also becomes possible without dedicated line charges. For the more adventurous, you could also setup a PBX. Asterisk is a powerful, open-source PBX system with a feature list that can give any sized business the advantages of a full-fledged digital phone system.

    If you work in a scenario where 2-way radios are utilized, DingoTel offers a product which can turn these in to VoIP walkie-talkies while making use of the radios full reception range, sometimes up to 12 miles depending on the model.

    For the budget-conscious, with some services like Gizmo and SIPphone, standard phone users in major cities can dial a free access number, enter your SIP number and speak to you via your IP phone. SIP Broker also maintains a few numbers which allow callers to dial SIP numbers on any of their 220+ supported networks.

    It may seem tedious, but programming the entire of sequence of numbers in to a phone's contacts directory is quite straightforward. Just remember to insert pauses to allow for the phone system's menu options to respond. If your friends have free long-distance calling plans, they could reach you via any of the available access numbers mentioned above at no cost to either of you.

    IPKall and Stanaphone will give you a free local number as long as you don't mind it being in Washington State or New York City. IPKall will forward your number to any SIP URL, but Stanaphone's will only work with the SIP number provided through them.

    Free World Dialup and SIPphone have peering agreements allowing you to SIP dial users on a number of different VoIP networks using a short prefix. SIP Broker can also help you reach anyone on a service that allows incoming SIP calls, which Vonage and CallVantage do not.

    There are also SIP-compatible softphones available for the Pocket PC, Palm OS, Symbian, and Linux handheld markets that can turn your handheld in to a cordless Internet phone.

    SERVICE PROVIDERS

    You have to pay when you want make calls to regular telephone numbers. If you want a local number that links to your SIP number, that'll usually cost you, too. The good news is that the prices are very reasonable. There are many service providers, plans, and packages out there to suit home and business users. Here are some important questions to ask:

  • Does the plan include hardware, i.e. an analog phone adapter?
  • Will I own the hardware being provided by the service?
  • If I am buying the hardware, is it locked to your service or can I use it with other SIP service providers?
  • Do you offer a "Bring Your Own Device" calling plan?
  • Does the plan include a virtual phone number so anyone can call me?
  • Are all incoming calls free?
  • Can I receive incoming SIP calls by number and/or URLs?
  • Make sure you understand any contracts, fees, calling rates or restrictions before agreeing to service. There are numerous service providers offering free and paid services. With a little bit of research, you'll find something ideal for your intended purpose.

    OPTIONS

    If you're looking to stay on your computer while having some room to grow, check out Gizmo. Gizmo is an excellent, cross-platform SIP softphone that works with network services from SIPphone. In this setup, you could add incoming virtual phone numbers for $12/3 months or $35/year that will allow folks to call you. All incoming calls are free to you and to the person dialing (as long as it isn't a long- distance call, of course). They also maintains in major cities that users can dial, enter your SIP number, and then be connected to you free of charge. They also have decent outgoing rates for non-IP calls and sell making this a solution that scales well for the average user. There's even an Adium plugin available for you Mac users out there.

    Stanaphone is a free service from hosting giant Intermedia that also provides you with a free virtual phone number in the New York City area. You can also receive faxes sent to your virtual number in your email. Voice mail is also included. You can also utilize a SIP phone adapter with the service, but you'll have to pay to make outgoing calls to standard phone numbers. At 2.6 cents a minute for calls in the US, they're a bit more expensive than Gizmo/SIPphone but the free virtual number and fax receiving are nice bonuses although their service lacks in other features. Stanaphone has a softphone client for Windows and PocketPC, but Mac users can also use CounterPath's X-Lite softphone with the service. The web site also says only Stanaphone to Stanaphone calls are free, so you might be better off sticking with Gizmo and their flexible peering agreements.

    Free World Dialup offers SIP network services, but also has their own combination Video IP Phone / instant messaging prog

    The Basis & Functions of Debt Consolidation for Students
    Student Debt Consolidation Upon completing your education you expect to be able to get a decent job that will pay your bills and repay the loans you took out to finance your education. This is not always the case. You soon realize that even though you cannot repay your debt, the debts do continue to mount.You have your regular monthly expenses as well as student loan debts that need to be repaid and the companies that are holding your debt have no problem contacting you to make payments. As the debts continue to mount and the collection calls continue to come you will find yourself wondering how to find a way out from under the piles of bills. One way out is by making use of a student debt consolidation loan.Consolidating Student Debts Considering that you may be unemployed or barely making ends meet, you need to make the decision to consolidate your student debt with as much information and forethought as possible. Your first logical step is to search online for the best possible student debt consolidation loan available for your circumstances. You can make contact with loan organizations and get all the details before settling on a particular consolidation loan.Choosing the Right Loan In your research, you should keep in mind that your focus will be on repayment of the loan.Th
    m with a feature list that can give any sized business the advantages of a full-fledged digital phone system.

    If you work in a scenario where 2-way radios are utilized, DingoTel offers a product which can turn these in to VoIP walkie-talkies while making use of the radios full reception range, sometimes up to 12 miles depending on the model.

    For the budget-conscious, with some services like Gizmo and SIPphone, standard phone users in major cities can dial a free access number, enter your SIP number and speak to you via your IP phone. SIP Broker also maintains a few numbers which allow callers to dial SIP numbers on any of their 220+ supported networks.

    It may seem tedious, but programming the entire of sequence of numbers in to a phone's contacts directory is quite straightforward. Just remember to insert pauses to allow for the phone system's menu options to respond. If your friends have free long-distance calling plans, they could reach you via any of the available access numbers mentioned above at no cost to either of you.

    IPKall and Stanaphone will give you a free local number as long as you don't mind it being in Washington State or New York City. IPKall will forward your number to any SIP URL, but Stanaphone's will only work with the SIP number provided through them.

    Free World Dialup and SIPphone have peering agreements allowing you to SIP dial users on a number of different VoIP networks using a short prefix. SIP Broker can also help you reach anyone on a service that allows incoming SIP calls, which Vonage and CallVantage do not.

    There are also SIP-compatible softphones available for the Pocket PC, Palm OS, Symbian, and Linux handheld markets that can turn your handheld in to a cordless Internet phone.

    SERVICE PROVIDERS

    You have to pay when you want make calls to regular telephone numbers. If you want a local number that links to your SIP number, that'll usually cost you, too. The good news is that the prices are very reasonable. There are many service providers, plans, and packages out there to suit home and business users. Here are some important questions to ask:

  • Does the plan include hardware, i.e. an analog phone adapter?
  • Will I own the hardware being provided by the service?
  • If I am buying the hardware, is it locked to your service or can I use it with other SIP service providers?
  • Do you offer a "Bring Your Own Device" calling plan?
  • Does the plan include a virtual phone number so anyone can call me?
  • Are all incoming calls free?
  • Can I receive incoming SIP calls by number and/or URLs?
  • Make sure you understand any contracts, fees, calling rates or restrictions before agreeing to service. There are numerous service providers offering free and paid services. With a little bit of research, you'll find something ideal for your intended purpose.

    OPTIONS

    If you're looking to stay on your computer while having some room to grow, check out Gizmo. Gizmo is an excellent, cross-platform SIP softphone that works with network services from SIPphone. In this setup, you could add incoming virtual phone numbers for $12/3 months or $35/year that will allow folks to call you. All incoming calls are free to you and to the person dialing (as long as it isn't a long- distance call, of course). They also maintains in major cities that users can dial, enter your SIP number, and then be connected to you free of charge. They also have decent outgoing rates for non-IP calls and sell making this a solution that scales well for the average user. There's even an Adium plugin available for you Mac users out there.

    Stanaphone is a free service from hosting giant Intermedia that also provides you with a free virtual phone number in the New York City area. You can also receive faxes sent to your virtual number in your email. Voice mail is also included. You can also utilize a SIP phone adapter with the service, but you'll have to pay to make outgoing calls to standard phone numbers. At 2.6 cents a minute for calls in the US, they're a bit more expensive than Gizmo/SIPphone but the free virtual number and fax receiving are nice bonuses although their service lacks in other features. Stanaphone has a softphone client for Windows and PocketPC, but Mac users can also use CounterPath's X-Lite softphone with the service. The web site also says only Stanaphone to Stanaphone calls are free, so you might be better off sticking with Gizmo and their flexible peering agreements.

    Free World Dialup offers SIP network services, but also has their own combination Video IP Phone / instant messaging prog

    The Sales Process
    It’s important to understand that sales is a process, not simply a transaction or an isolated event. Every company has a sales process, whether it applies to selling computers, telephone systems, medical equipment, insurance, or software.The first step of the sales process is to identify the ideal prospect, to ask “what is the profile of the company that would benefit the most from our products and services?” This is actually one of the biggest problems facing companies today.According to various analyses, 35 percent of all prospects are a poor fit for a company’s products and services. It would save a lot of time and energy if the poor-fitting prospect could be identified right up front, so the sales person could move on and focus on the right prospect. Years ago, the term “Blue Bird” was used for a piece of business that just happened to fly your way. Today, a “Blue Bird” could turn into a “Black Hawk” if you don’t carefully assess whether the prospect is a good fit. This is complicated by the fact that sales people are optimists and believe every company in the world is not just a good fit for their company’s solutions, but a great fit.Qualifying prospects used to be fairly simple. Who will make the decision (the decision maker), who else are you talking to (the competition), how much have you budgeted (money), what a
    tage do not.

    There are also SIP-compatible softphones available for the Pocket PC, Palm OS, Symbian, and Linux handheld markets that can turn your handheld in to a cordless Internet phone.

    SERVICE PROVIDERS

    You have to pay when you want make calls to regular telephone numbers. If you want a local number that links to your SIP number, that'll usually cost you, too. The good news is that the prices are very reasonable. There are many service providers, plans, and packages out there to suit home and business users. Here are some important questions to ask:

  • Does the plan include hardware, i.e. an analog phone adapter?
  • Will I own the hardware being provided by the service?
  • If I am buying the hardware, is it locked to your service or can I use it with other SIP service providers?
  • Do you offer a "Bring Your Own Device" calling plan?
  • Does the plan include a virtual phone number so anyone can call me?
  • Are all incoming calls free?
  • Can I receive incoming SIP calls by number and/or URLs?
  • Make sure you understand any contracts, fees, calling rates or restrictions before agreeing to service. There are numerous service providers offering free and paid services. With a little bit of research, you'll find something ideal for your intended purpose.

    OPTIONS

    If you're looking to stay on your computer while having some room to grow, check out Gizmo. Gizmo is an excellent, cross-platform SIP softphone that works with network services from SIPphone. In this setup, you could add incoming virtual phone numbers for $12/3 months or $35/year that will allow folks to call you. All incoming calls are free to you and to the person dialing (as long as it isn't a long- distance call, of course). They also maintains in major cities that users can dial, enter your SIP number, and then be connected to you free of charge. They also have decent outgoing rates for non-IP calls and sell making this a solution that scales well for the average user. There's even an Adium plugin available for you Mac users out there.

    Stanaphone is a free service from hosting giant Intermedia that also provides you with a free virtual phone number in the New York City area. You can also receive faxes sent to your virtual number in your email. Voice mail is also included. You can also utilize a SIP phone adapter with the service, but you'll have to pay to make outgoing calls to standard phone numbers. At 2.6 cents a minute for calls in the US, they're a bit more expensive than Gizmo/SIPphone but the free virtual number and fax receiving are nice bonuses although their service lacks in other features. Stanaphone has a softphone client for Windows and PocketPC, but Mac users can also use CounterPath's X-Lite softphone with the service. The web site also says only Stanaphone to Stanaphone calls are free, so you might be better off sticking with Gizmo and their flexible peering agreements.

    Free World Dialup offers SIP network services, but also has their own combination Video IP Phone / instant messaging prog

    Did Anyone Remember to Call Grandma
    Back in mid June I was having coffee with a dear friend who regards me as his financial coach. He was relishing the fact that he convinced his grandmother to sell all her stocks and equity mutual funds and move entirely into cash and bond funds.I asked him why did he do that? " Oh come on man, get with it..oil is flying past $70 per barrel, gold is soaring past $600 an ounce and real estate is crashing all around us. The Democrats are gonna win everything, the House, the Senate...they are going to raise taxes, bail out of Iraq. There is no way the stock market can survive all this. To top it all off, Ben Bernacke, our new Fed Chairman is sticking it to us with higher interest rates. We are going to hell in a hand bag...I couldn't let my grandma suffer all this, so I got her into cash. Now, Georges as my financial investment coach, why aren't you giving me this same advice?"Would you believe I told him things are not as bad as they appear, and that we have seen this movie before? Well, I did, but I don't think he was listening, and I have to admit, after our meeting I began to question if I was missing something.Wow, June 2006, not a fun time folks. Oil going to $100, a gallon of gasoline $3, gold going to $1000 per ounce and interest rates clearly going up to at least 10%. OurPresident is not very popular either at home
    from SIPphone. In this setup, you could add incoming virtual phone numbers for $12/3 months or $35/year that will allow folks to call you. All incoming calls are free to you and to the person dialing (as long as it isn't a long- distance call, of course). They also maintains in major cities that users can dial, enter your SIP number, and then be connected to you free of charge. They also have decent outgoing rates for non-IP calls and sell making this a solution that scales well for the average user. There's even an Adium plugin available for you Mac users out there.

    Stanaphone is a free service from hosting giant Intermedia that also provides you with a free virtual phone number in the New York City area. You can also receive faxes sent to your virtual number in your email. Voice mail is also included. You can also utilize a SIP phone adapter with the service, but you'll have to pay to make outgoing calls to standard phone numbers. At 2.6 cents a minute for calls in the US, they're a bit more expensive than Gizmo/SIPphone but the free virtual number and fax receiving are nice bonuses although their service lacks in other features. Stanaphone has a softphone client for Windows and PocketPC, but Mac users can also use CounterPath's X-Lite softphone with the service. The web site also says only Stanaphone to Stanaphone calls are free, so you might be better off sticking with Gizmo and their flexible peering agreements.

    Free World Dialup offers SIP network services, but also has their own combination Video IP Phone / instant messaging program. Within one program, you can make SIP-based voice and video calls and chat with your friends whether they're on Yahoo, MSN, AOL, or ICQ. Their traditional inbound and outbound calling service is still in Beta and a bit more expensive than Gizmo. Their Communicator application is also available for PC only, although many hardware devices will work with the FWD SIP network.

    A number of service providers offer packages targeted towards specific kinds of users. Broadvoice, for example, has unlimited worldwide plans starting at $19.95, while also offering a BYOD (Bring Your Own Device) plan at just $5.95 a month. TelePacket has plans that start at just $0.95 a month while Packet 8 has plans that target videoconferencing users at $19.95 a month.

    SUGGESTIONS

    If you want to test the waters, I'd start with trying out Gizmo. It's a lightweight, feature-rich softphone that also gets you service through SIPphone. They provide local access numbers for non-VoIP users to call SIP numbers from traditional phones, have many peering agreements with other networks to keep you connected, and support options like virtual phone numbers and offer low-cost rates on calls made to standard phones to give you a more robust VoIP phone package when you're ready.

    If you want to take the plunge, check out Broadvoice or Packet 8, who offers E911 service. They both offer robust feature sets, unlimited calling plans, inexpensive virtual phone numbers, and have a good track record of reliability and service.

    As for speaking and listening on any of these services, you have three basic options: use a quality headset, purchase a phone adapter, or purchase an IP phone. A headset, of course, is the most economical option. Buying a phone adapter is a good choice if you love your phone and/or want to continue using your standard phone service. Most, if not all, phone adapters also plug in to your phone line to utilize the attached phone for both VoIP and regular phone calls. If you like the idea of an IP phone and have a wireless network, we strongly suggest getting a WiFi phone. It offers the most flexibility because it allows you to not only talk wirelessly at home, but wherever there is a wireless Internet connection.

    CONCLUSION

    Whether you just want a new toy or are looking for a replacement phone system for your home or office, the current crop of VoIP offerings present a wide array of services and options. Review each company's web site, read the fine print, and search the web for service reviews and user experiences. You're sure to find a suitable solution with the ideal combination of cost, features, and quality that you're looking for.

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