FWD: Free World Dialup (http://www.freeworlddialup.com/)
***FWD is now subscription based***
-Free Calling between Members on their Network
-Can be used with their SoftPhone/Other SoftPhones/ VoIP adapter
-IM other FWD members, SIP-Users, AIM/MSN/Yahoo/GTalk/Skype/ICQ (http://www.freeworlddialup.com/)
-Call other Voip Users on other networks
-Receive Calls from PSTN using access numbers (only 2 numbers really)
-VoiceMail
-They plan to be offering paid FWDout/FWDin service soon
-From personal testing the FWD Communicator, and adding IM contacts from other networks is glitchy.

Gizmo Project/ SipPhone (http://www.gizmoproject.com/ / http://www.sipphone.com/)
-Use with their SoftPhone/Others/Voip Adapter
-More aimed at putting together IM and Voip

-Free Calls to other members
-You are assigned a 1-745 number (only valid within Gizmo, not from outside)
-Can get a free 775 area code PSTN nummber (but requires a credit card and US adress)
-Gizmo All Calls Free plan (Gizmo � A free phone for your computer - Help)
If you have a friend that you regularly call or chat on Gizmo, once in a while when he/she is not on you can call their cell/home number for free. Both of you have to have Active status for All Calls Free
-Claims to let you message and call MSN/GoogleTalk/Yahoo/AIM/Jabber/SIP users (this works some times and not others; from my experimenting MSN is the most problematic)
-Is offering paid Outgoing Minutes/Incoming Numbers

TPad (http://www.tpad.com/)
-Free calls to other TPad users
-Use SoftPhone/Voip Adapter
-Gotta pay for outgoing calls to real numbers
-Can receive calls from other Users, or by someone dialing Access Numbers + TPad number
-Includes Voicemail Service - http://www.tpad.com/Tpad-Free-Voicemail.php
-The biggest plus is their access numbers in countries where it is commonly hard to find one.
-Mentioned in the WorkAround above for local calls to your Cell/Home from around the world



Feel free to make suggestions, comments or anything else you think may be useful. I will try to correct mistakes, and keep things updated.

BTW, this are some other services I am hoping to look into, but if someone already has experience with them, feel free to post a quick summary:

EMail to Phone
http://www.jangl.com
http://www.yoomba.com/

Mobile Phone (some include a Small APP)
http://www.truphone.com/
http://www.wifimobile.com/
http://www.nimbuzz.com/en/
http://www.iskoot.com/
http://www.fring.com/
http://www.eqo.com/
http://www.barablu.com/


SMS Initiatited Call
http://www.boknow.com/

Web Initiated Call
http://www.talkety.com