Most advances in technology are synonymous with increased costs and unclear effects on liability exposure.  However, that is not necessarily the case when it comes to home phone service.  Many of you may be paying for a traditional landline phone service that is actually costing you a lot more than the more cutting-edge option:  VoIP digital phone service. Voice-Over Internet Protocol, or “VoIP” phone service, is exactly what it sounds like:  using your internet to make phone calls.  For the most basic VoIP service, you will pay under ten dollars every month!  This super-low rate…