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If you google "*any-voip-solution* + problems" you're going to get results. First, because everything has problems at some point, second because anyone with problems now posts it, and third because too many voip users have no clue that using their magic jack on a 56k dial-up connection while watching lolcats on youtube may not work well. Since you're on CP I know that you know the quality of your internet (my inlaws had Magic Jack and couldn't understand why it wasn't working on a public internet connection at a campground - any ideas?).
I've been researching phone solutions recently as well and my two cents would be to go with something like Skype for your needs. Messing around with Magic Jack and others is likely just a waste of time - you're not likely going to find something that costs you less than $3/month that is any good and (even if you can) do you want to be spending hours searching for this solution versus spending that whopping $3? Skype (and others) offer you a really low risk trial - shell out a few bucks and try it for a month. If you don't like it, then move on to the next option. Some of the key advantages of Skype are pay-by-minute credits and unlimited options, no additional hardware requirements, recognized name (you won't likely get any raised eyebrows by asking someone to call you on Skype vs. MyCheapVOIPLine123), and used by millions (though I will admit number of users does not necessarily make something great).
Good luck.
Let us know which way you choose to go and how it works out for you.
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I use both Skype (incoming number + outgoing calls to phones) and Magic Jack (MJ). Skype works well except the caller ID is usually some random number so your call recipient will always be pleasantly surprised that you are calling from Thailand or wherever. Skype has a Windows, Android, and Windows Phone version (don't know about Mac stuff).
Skype on Windows Phone + WIFI: has excellent sound quality, but you cannot listen to voicemail. That is funny considering who owns Skype, eh? The Android version has voicemail.
I used to use a USB-to-traditional phone gadget for Skype but its software never got updated from XP. It worked, except for typing numbers from the phone.
Magic Jack on USB works with a slightly slow startup on Windows 8.1 and below. It's nice to use and old fashion heavy phone to speak with someone. You can use MJ for 911, unlike Skype. Caller ID is correct with MJ. MJ has an Android version. MJ has a hardware version for traditional phone set that does not require a separate computer and just plugs into ethernet. MJ voicemail gets emailed to you as a WAV file, which Skype does not do -- Skype only emails that there you've received a voicemail but you cannot hear it without Skype.
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Check out voip.ms. .99 per month per line plus 1.99 for E911 (if you need it). Calls cost 1/2 a cent per minute and you have all the features that the phone companies have. Also many additional features such as IVR (digital receptionist, SMS messages on home phone). Requires an ATA (analog telephone adapter) which I bought on EBay for around $20. I ran it side by side with my cable providers phone solution (VOIP) for almost a year and then cancelled my home phone service, saving about $30 per month). Any software or hardware VOIP solution (including Magic Jack) will require setting up QOS rules on your router (reserving space for the voip solution). If you use QOS your phone system will be just as good as your home telephone supplier. You can even connect a VOIP solution to your home phone wiring (just remember to disconnect the wiring from the outside line).
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I had magic jack, the 2014 version. Used it for a month or two but stopped because every call was spent saying hello...hello... are you there. Dropped calls, unintelligible noise, it was a very frustrating experience. On the other hand, I have a slightly used Magic Jack for sale if you are interested 
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We had Vonage for 3+ years and had no problems at all. We had a few minor hiccups after it was first installed, but they got those issues resolved very quickly. After that, it was smooth sailing. When the missus got a "real" cell phone, we discontinued the service. We recently got a Magic Jack for the mother-in-law, mostly for incoming calls using a standard desk phone. Her tremors are so bad she can't even hold a cell phone, let alone dial a number. If someone hasn't already, I can call you from our MJ line this evening, Friday 22 August. PM me your number. I'm in the 615 area code.
One other thing, if you decide on the MJ, do not buy a used one from Amazon or eBay. Once a MJ device is registered, it cannot be re-registered. Which means the number cannot be changed nor can you register the device in your name using your address. In that event, forget about ever using 911. Spend the extra few bucks and buy a new, unopened one.
HTH
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I've been using Oooma on Comcast for about six months and it is dependable. No real problems.
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I primarily use Skype because it seems to have the largest world-wide reach and can be used on a desktop, tablet, smartphone and even with a dedicated Skype phone, if needed.
Overall, I would say Skype is the most reliable with a decent Internet connection (200Kb or better). I have a premium account at $60 a year and I pay $30 a year for a dedicated phone number and even another number I can call to make Skype calls from anywhere to anywhere at Skype prices. It's less than $10 a month overall.
The only WEIRD thing is that Skype has no process to convert from a Personal to Business account which I thought was incredibly stupid so I didn't use them for my business phones, not to mention that their business setup is confusing as hell.
I went with Nextiva for my business phones but I am not happy with that choice so I would not recommend them.
An alternative that works really well is Google Voice but that product is confusing as it WAS a standalone app but now also seems to be merged with Google Hangouts so I don't know the long term availability or how it will end up.
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never used Magic Jack
Have used Skype with lots of success for just voice calls
Have used Google Hangouts for voice calls and it just works.
To err is human to really mess up you need a computer
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We replace our landline with Vonage 2 1/2 years ago and have no regrets. I notice no difference in clarity which I did notice with Skype. We have AT&T DSL. Saves us over half what we used to pay for overseas calls and they have an app for your cellphone so you can piggy back and get the same rates on you cell.
Toto1107
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You might look at Republic Wireless service - for $5 a month (plus adders) they give you Wifi-based "cell service" anywhere you can get Wifi. You have to pay for a Moto-G or Moto-X up front. For $10 a month (I pay around $11.70 with everything) you get voice-only cell service (Sprint-based) when you are out of Wifi range. The sound on Wifi has gotten a lot better than it used to be, too. I am still stuck with a contract cell phone, but I use this for a "home phone" that I can carry everywhere.
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If you only want a number to be called to, then Skype will do it, If you want to place calls as well (or redirect the calls to a physical line), then Skype and perhaps Viber will do it.
Right now I use Skype on this setup: a Skype number to be called on and an unlimited plan to both redirect calls to my cellphone and to place calls to other countries.
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Found it wouldn't call to a couple of the free phone conferencing systems I needed to use for work.
The out-of-box was good. Their web site and approach is all-sell, all the time, which is a bit of a put-off. Other than that, they presented a professional and no-non-sense face.
The MJ thingee worked at a couple of places, WA and CA. Not high performance net connections.
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I would add Google voice to your list. A) It gives you a permanent number, which they let you customize which you can then set to forward to any number of phones. B) Voicemail services are terrific, you can screen calls, setup custom voicemails for different people, have it text you a transcript of the voicemail. C) Google has integrated their Hangouts technology into Google Voice so you can call from your computer or a smartphone as well as send SMS messages.
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Accordion to a recent survey, replacing words with the names of musical instruments in a sentence often goes undetected.
~RaGE();
I think words like 'destiny' are a way of trying to find order where none exists. - Christian Graus
Entropy isn't what it used to.
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I have an accordion for sale... $300 oboe.
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Don't be a bassoon! $300 is too much.
/ravi
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Feel free to try before you buy. Fiddle around with it for a while and make an offer.
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I fear you're stringing me along.
/ravi
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Be careful, someone is taking notes.
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Rage wrote: often goes undetected
More often it leads to violins.
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You know there's a documented connection between sax and violins.
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Also between peace and carrots.
/ravi
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It's like in all those beauty pageants, where all the contestants are wishing for whirled peas.
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Being a pacifist and a humanitarian by nature, that always strikes a chord with me.
/ravi
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