1. A computerized method for computing a cost estimate, said method comprising the steps of: reading from a database a set of costs unknown by a current user and known by at least one previous user, the set of previously known costs having been uploaded by the at least one previous user after calculating cost estimates using the computerized method, wherein the at least one previous user has profile information similar to profile information of the current user; calculating a cost estimate using the previously known set of costs and a currently known set of costs that are known by the current user; and after calculating the cost estimate using the computerized method, sending a message comprising profile information of the current user and the set of currently known costs, the message enabling updating of the database for future users.