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I maintain all my domains under one roof. There are however, many good registrars out there. Namecheap is one of the better ones for sure, but there are others as well such as DynaDot - Excellent service as well and GoDaddy seems to have a large following. I would steer away from Yahoo!. I have tried them, but they seem to have some issues with their service and somehow loosing domains from accounts. I personally had this happen to one of my domains and it took forever to figure out what they did.
Maintaining your domain with your host is only a problem if use one of those host programs where you are not the actual owner. In this case it is usually a host who provides you with a free domain and specifies that you must remain with them for a specific amount of time before you will be given control of the domain and are free to transfer it. If the host is charging a price for the domain then you are the owner and free to do as you like after the normal industry 60 day wait period for transfer.
Good Luck!
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