We have used Magic Jack for years, and it works just fine for us. We got the one that plugs into the router as opposed to plugging into a computer, as we only use laptops. It cost a little more at first for the flash drive (or dongle, or whatever it's called that goes into the router), but after that it's $39 or $49 a year (hubs and I disagree on which it is). We have a base cordless phone with answering machine, but you can have the messages come to your computer.
Others have said that there are better options than Magic Jack. We just keep it because we're used to it. You should check the ones Gordon listed.
I love having a real-size phone to talk on, with clear sounds. Cell phones drive me nuts. There's a delay, then you both start talking at the same time... oh, but that's off topic.
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