I have been designing and hosting web sites since 1994 (the second year the web even existed) and at this stage in technology, I recommend using
Joomla for managing the content for most any web site. It offers a simple interface which allows easy editing and updating, without the fuss and muss of Dreamweaver InDesign or other hard core web design packages. There are oodles and oodles of free add-ons which can give you everything from Google maps to custmized online forms to a full fledged shopping cart--all for free.
The part where you may need assistance is with the "template" which provides the layout, look and feel for the site. You can start with a free template from somewhere like
joomla24.com, design your own with a program like
Artisteer, or retain a professional designer to make a custom one for you.
Most people who use professional developers to create their site don't understand that without a CMS (content management system) built in, they will likely have to pay the developer to make future changes and that will add up quickly if you are maintaining your site properly and adding new content on at least a weekly basis. With a CMS like Joomla, "anyone" can add or edit content quickly and easily from any place where they can access the web--with no software to install.
Hosting is a tricky subject because most consumers have no idea how to tell whether a hosting company is really any good or not. Often, what looks like a "great deal" will turn out to be insufficient to their needs (bandwidth is limited, size of site is too small, etc.) and they will need to upgrade (translate: pay more) to get what they need. The big boys of hosting, Godaddy, NetSol, etc., are notorious for hooking, then upselling like crazy. Granted, I own a hosting company with 15 datta centers, so I'm a little biased, but I'm trying to give the most objective advice I can here.

The place where people are REALLY abused by "professionals" is in the area of SEO (search engine optimization). Many firms charge from $700 to $7000 to "optimize" your web site to garner you higher rankings in organic (unpaid) searches with Google, etc. The truth is that in the current era of search engine algorythms, all of their expensive tricks are virtually useless and can often get your site "penalized" by Google for trickery. The key to SEO is good writing and following best practices when it comes to content management on your site. There are some free tools and plenty of great free advice out there to help you with SEO--so don't pay someone to do it for you, unless you simply want someone to "do it for you." The biggest warning I can give is to RUN from anyone who "guarantees" top ranking-- since this is IMPOSSIBLE to guarantee.
If anyone here would like FREE advice on this or related subjects, please feel free to contact me off-line. I give free classes locally on SEO, web development and related topics, so I am always glad to share my knowledge where I can.