Hosting at home is never reasonable - look at your maximum upload speed (this is the max download speed for the other end) - then imaging 10, 100, or even a thousand (hopefully) members and potential members sharing this bandwidth.
A pay site (mainstream or adult) should never be hosted anywhere but at facility(ies) that can support the type of traffic the site can generate.
Hosting is not really expensive compared to even a few years ago. If you figure I can get a very nice dedicated or virtual package for for less than the business phone package at my mainstream business, it's a steal.
If you can't turn at least a few hundred bucks per month on a pay site - some thing's wrong.
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