1. A method comprising establishing an ad-hoc network between nodes configured to be a borrower of bandwidth or a lender of bandwidth, at least one of the nodes advertising to be the borrower of bandwidth or the lender of bandwidth in the ad hoc network based on at least one selected factor, wherein the at least one selected factor comprises at least one of current bandwidth need; download urgency; bandwidth sharing history of at least one of the nodes; current market driven price for bandwidth; current fixed price for bandwidth; and importance to receive compensation for lent bandwidth, each selected factor of the at least one selected factor has an associated value, and each value is analyzed to determine whether to advertise as the borrower or the lender, the value is expressed as a ratio, the ratio is at least one of a download urgency ratio; a bandwidth sharing ratio; a current market driven price ratio; a current fixed price ratio; and an importance of payment ratio, and the ratio above a predetermined threshold suggests advertising as the borrower, the ratio below the predetermined threshold suggests advertising as the lender.