Actually, you're paying way too much, alipscomb!

If you want to spend more than 20 bucks, strongly consider www.AxVoice.com. It works out to $21/month for two numbers for unlimited calls to US and Canada; you can pay through PayPal.

If you want the best value for your money, check out www.SunRocket.com. Almost perfect connection for $17/month (you pay a year in advance) to call USA and Canada, and it includes $3 of international calls as well. With it, you can also get a wireless dual-telephone free. Oh, I forgot - you also get two numbers with it, both with their own voicemail and their own features - I forward one to a free fax line.

If you want solid quality and don't mind paying for it, use www.Quantumvoice.com; highest rating of all VoIPs, $30/month for unlimited calls to USA and Canada. They have an unusual: $40/month for a toll-free number with unlimited outgoing and incoming calls (no other company provides that).

All these companies have caller ID, call waiting, etc. Check out http://www.dslreports.com/gbu for reviews.