Social Network / Website Idea Creation

I need a programmer to create a website for me from scratch which will also resemble a game. This is similar to the "life" game sim city. Website/game must have the following features : 1. User to create an avatar 2. 2D city/property that can be explored 3. Incorporate advertisements on website (i.e Google Adsense) 4. Create a payment system for goods and services 6. Users must be able to engage in chat message conversations 7. Users must be able to deposit / withdraw money 8. User must be able to collect money from other users *If cheaper, everything can be 2D. "Second Life" is a game which can be looked at as a similar framework Further specifications upon the signing of an NDA will be provided. Looking for a company/individual with a proven track record that can complete the project at a discounted price. If agreed upon, partnership opportunity will be offered conditional on a reduced price to develop the site/game.