1. A user computing device for retrieving recommendations on behalf of a user, comprising: a processor of the user computing device executing a personal agent program, the personal agent program comprising: a monitoring engine executed by the processor of the user computing device and configured to: monitor user activity with a plurality of computer programs according to a user authorization, the user activity including a detected current location of and direction of travel of the user and calendar activity of the user, the monitoring engine being configured to learn a behavioral pattern from the user activity; and receive notifications of monitored friend activity of a friend using a friend computing device, the friend activity including a detected current location of and direction of travel of the friend and calendar activity of the friend; and a recommendation engine executed by the processor of the user computing device and configured to: estimate that the user and the friend will approach an intersecting location within a predetermined window of time, based on the respective detected current locations and directions of travel of the user and the friend; determine that the user and the friend are available to meet in the predetermined time window based on calendar information; send a request to a recommendation server for a recommendation for a target service offered at a service location within a threshold distance of the intersecting location, which can facilitate a meeting between the user and the friend; receive the recommendation from the recommendation server, the recommendation including a recommended service offered at the service location; and display the recommendation to meet the friend at the service location on a display associated with the user computing device.