Hi Kenneth,
My current plan is a dedicated server, not owned by me. I do not think you'd be able to physically visit the server. (It might end up being in Texas.) I'm also running on a shoe-string, so shelling out to buy a good server is beyond me, especially given the relative prices for dedicated hosting vs colocation. Better at this point in the game to get a dedicated server, especially since virtual machines are relatively easy to relocate...
Your current situation sounds pretty bad - makes my ISDN line look good! :P
Cathy