Hi guys:
Today I finally got around to loading a newer m0n0wall firmware version...v 1.33. Yipee...it worked.

The old firmware version was the culprit.

Now I can answer the one VoIPo phone when it's called...all without port forwarding.

I still have an old lingering problem with one way audio when one VoIPo phone calls the other VoIPo phone...only when my m0n0wall router is used. It's a problem caused by my router.

If I use the Linksys router I have two way audio just like I should. So there is some kind of an issue in m0n0wall causing one way audio, but thats not a big deal since no one ever calls me thats using a VoIPo phone.

So I thank everybody for the great posts and help.