Real-time experts

I love the idea of the new EE "Live".  I can see how it would be useful especially in a crunch and would like to take advantage of it.  However, the only payment system I trust today is Paypal.  I like it because I can track my expenses easier and manage it from one place.  Once that becomes available, I will start using it.

I'm looking for an alternative to freelancer.com, elance.com, and prestoexperts.com because despite the fact that they do have experts, they have a lot of people who say they are immediately available, when in reality they are not.  Even freelancer.com with their chat service doesn't go far enough and people often say they are working on something when they really have no intention of it.

I'm looking for alternatives where I don't have to give my credit card to the site.  Assistance is greatly appreciated.