I think your best approach to a fairly routine task like this is to look at websites of your competitors. You will often find that there is a ready made website package for your industry which can be bought very cheaply.
For example, I could have specified what I wanted in a discussion forum, given it to a website designer and paid thousands of euro to get it developed. But, instead, I paid a few hundred dollars to vBulletin to buy the software package, which is much better than anything I could have specified and which is being continuously improved.
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