1. A method comprising: recording activity data by a portable user device on a transportable recordable medium (TRM) coupled to the user device, the recording being in response to user participation in an activity; transferring the activity data by the user device to a profiler across a network, the profiler storing a user controlled profile including the activity data; displaying the activity data and user selectable options for the user controlled profile through the user device; and initiating a monetary transaction through the user device based on one of the plurality of recommendations; and receiving a plurality of recommendations for a user at the user device inferred from the activity data by a user selected profiling program.