Already made community networks

I was not sure if such a question would fit in this place, yet thought better to try then not to. I am actually at this moment looking for an already made community based program -- where it would have features such as IM, business meetings, places where you can store folders of info -- and folders within folders (until your heart is content), a run-on chat -- where people get to post to the discussion when they wish (kind of like is going on here), and you get to create groups, group posts, and other forms of organization --- yet it still lets you create a pretty outside page.

The programs I have seen are way overpriced, and some say that you have to stay on their server (which becomes a monopoly as they can raise prices too high), etc. As well as it is difficult to find one with all that I am looking for.

Does anyone know of a fair-priced community-based program out there, where you could use it on other servers, with the features that I need?

Thanks!