Guys, thanks for the help with the VOIP. My dad is using the Callback option on BopCall.com and its awesome - I mean, calling India for $3.5 an HOUR? And only a dollar an hour for USA/Canada/Australia et all. All this on a regular ol' phone :)
 I switched from progressive to AAA for car insurance and am saving $400 for the year! AND I get the AAA membership too :) The higher costs at other places was 'cause they counted both traffic violations last March where I slowed (but did not come to a complete stop) at a stop sign and failed to signal. Never mind that I lived a block away. The cop literally followed me home ;__;
AAA was awesome enough to count them as just one violation which got me the lower rate. My sis also made the switch a few weeks back.
 ANGRY TWILIGHT FANS + snarky commentary about their fannish defenses - shinga kicks so much ass XD