I got sick n tired of all phone cards and finally settled down with Nickletalk.com. .35/mo to nepal and .05 to most of the developed countries. From your home or cell phone any time of the day. Direct dial and monthly or credit card billing. No more lost minutes, no more connection problem, no more trips to the stores, no more waisting time online searching for mo' beta ones. Overall, I am happy so far. It is really sofaking cool.