Thank you again "iridis" for your reply. My SIP provider is Ekiga.net, the default provider for Ekiga.
I before posting my thread I set up inbound NATs and the corresponding auto rules for opening the ports Ekiga uses. Since I could not figure out how to do the port-forwarding, I figured that it was worth the risk of having the open ports to see if I coudl get Ekiga to work... no luck. So I posted this thread, hoping some user/reader may have also tried Linux's Ekiga and figured this out in m0noWall.
Have to say, I am getting a bit sad I have not been able to either figure it out myself (been googling and reading this forum all over), nor found anyone who may be able to help. I really like m0n0wall, and since I've switched from my Linksys router to my new set-up I have been enjoying increased speed to the internet (not sure exactly why, but it is amazing). ...but I am ready to drop m0n0wall, and try someting else -- I understand pfSense may run OK in my net5501, and that it has port-forwarding capabilities and much more... pfSense may likely be way overkill for my home, but I'd rather use Ekiga than pay my local phone company for the higher long-distance charges... and I'd rather not use Skype if I can help it...
Again, many thanks for your replies !!

-N