I personally recommend Nextiva or Packet8 for personal and small business VOIP. Both offer reasonable fees, and good quality VOIP services. You will need a broadband connection, but generally your total fees even with an 800 number are included in a flat rate.
I would recommend using a service like Grasshopper, Virtual PBX or OneBox. These types of services are designed for small businesses and are relatively cheap (starting around $10 a month). You can get an 800 number, a certain number of minutes and pretty cool features like call forwarding, custom greetings and voicemail extensions if you add employees. Plus you wouldn t have to worry about long distance charges.
any regular phone account set us as a BUSINESS account is going to be infinitely more expensive than a residential line - you pretty much have to pay by the minute and with 800 # s you pay by the minute for all INCOMING callsmagicjack required a broadband internet connection to work - not sure if - domestic long distance is free - I doubt you can connect an 800 # to it though