The first and most important step in finding an affordable and reliable business web site or email hosting provider is to itemize your needs.  Make a list.  How much disk space do you need? How much bandwidth do you expect to use?  How many email accounts do you need? What type and how many databases does your site use? Do you need a ecommerce shopping cart? Will you need an SSL certificate?  Identify the requirements of your web site before you start shopping for a hosting provider. This approach will allow you to align your business needs with the available plans.   

Here are some links to several highly rated affordable hosting companies for you to consider:

Check out each link above, review their hosting plans and then determine how your needs align with each plan. Be sure to consider the following:

1. Tech Support – The level of technical support should be one of your top differentiators when selecting a hosting company.  Before signing up for a provider, send them an email or two to evaluate their responsiveness.   Give them a call posibly on the weekend to see if they have phone support.  Many companies advertise 24/7 support, but can’t be reached promptly or don’t respond quickly particularly on weekends.    Read customer reviews.  
2. Availability – Look for a hosting company that has a history of at least 99.5% uptime.  While there will always be some problems with computer equipment, extended outages can be avoided through redundancy, backups and competent administrators.     
3. Speed – This factor is often overlooked when people evaluate a web host, but it is very important.   Speed is driven by the quality of the hosting company’s connection to the Internet, the speed of the server that will host your account and number of web sites on the server.   A simple way to test the response speed of a server is to ping the server.
4. Money-Back Guarantee - A reputable web site hosting company will offer a money back guarantee.   If you are not happy in the first 30 days, you should be able to get a full and immediate refund.  After 30 days, expect a pro-rated refund.
5. Price – This is driven by your web site needs.   The challenge is to find a hosting solution that provides enough features to handle your site adequately including ample room for growth with the lowest cost per month.  Do your homework.  Be cautious about the very cheap or free hosting plans.  Generally these are for small low bandwidth web sites. Remember, you get what you pay for.  
6. Disk Space – Estimate the size of your web site and ensure the hosting plan adequately covers your current size plus at least 25% for growth.     
7. Bandwidth – This factor is often overlooked until exceeded.  Your costs could increase substantially or your site may be disabled if you exceed your bandwidth limits. Many hosting companies are now offering unlimited bandwidth. 
8. Domains - Some hosting companies allow you to register a domain name when you purchase a hosting plan.  Be careful.  You might want to register your domain independently so that you control the domain if you ever change hosting companies.   If you plan to host multiple websites, be sure to consider the number of domains that you can have under the account. Ideally each domain would have its own IP address.   
9. SSL – If you intend on accepting credit cards orders on your web site, be sure Secure Socket Layer capabilities are included in your hosting plan.  Also determine if the SSL certificate is shared or if you have your own certificate.