1. An electronic messager with a predictive text editor, comprising: a receiver for receiving an incoming communication from one of a plurality of a user's contacts; a storage unit for storing a data structure associating, for each one of the plurality of the user's contacts, usage data for a history of usage of words in communications with the user contact; a data manager coupled with said storage unit, for generating the data structure in said storage unit, and for updating the data structure as additional communications with each user contact are conducted and additional usage data is obtained therefrom; a text predictor coupled with said storage unit, for receiving as input a character string and a designated user contact, and for generating as output an ordered list of predicted words, based on usage data in the data structure associated with the designated user contact; and a reply generator coupled with said receiver and with said text predictor for generating a reply communication to the incoming communication, by (i) parsing the incoming communication to identify questions, phone numbers and special phrases therein, (ii) presenting possible responses that the user may choose from, based on identified questions, phone numbers and special phrases, and (iii) presenting the ordered list of predicted words for the user to choose from, based on character strings input by the user.