Go over to upperclass dude, I know your worried about beggars but it's easy enough just to ignore them, even if it's only temporary. Be very careful, there are some high ranking guilds around ATM that aren't all that great (from what I've been told) but I'm sure you know this already. Have a look outside the US guilds as well, it's kinda tough because of the inactivity as of late, things are starting to pick up though.
If you are interested in joining Les Imsomniaks you can PM me and I can make arrangements, we need more English speakers to make the forums bilingual, LOL XD
We are very active except for French sleepy times... And you can see Les Imsomniaks plastered everywhere... XD
Good luck with your future guild too...