T1/DS1 = 1.5Mbps
T3/DS3 = 45Mbps
OC3 = 155Mbps
OC12 = 622Mbps
Unless your transit provider is in the same building, chances are your circuit rides the PSTN, and there is always a charge from the telco for that circuit most commonly known as 'loop'.
Sometimes, your transit provider will be willing to eat the loop if the deal is sweet enough for them (or if they are semi-desperate).
Depending on the amount of money you have, you have the choice of hosting your own servers or having someone else host it. If you're on a budget, chances are you'll pick the latter.
If your sites have high conversion rates and you have extra cash to burn, you can do it yourself, but I honestly have to say, I only know a handful of people who have done this.
Follow the advice that many people have given here already, unless you can justify the extra cost/staff for 12 months (assuming you sign a 1 year contract, instead of getting shitty month-to-month pricing), it's probably not worth it.
If you want more info, drop me a line on ICQ @ 34215259.
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