Computer services that can be accessed via a computing or mobile device, namely, managing a computer-based system that enables the existence of a commercial-based on-line community of retail consumers for following the consumer-based interests of other users and for discussing, commenting, and sharing consumer-based opinions with other users and among other on-line services and communities; managing a computer-based system that enables the existence of a commercial-based on-line community of retail consumers that connects users with providers of goods and services based upon a user's consumer-based interests and opinions; managing a computer-based system that enables the existence of a commercial-based on-line community of retail consumers where users can identify and share information, opinions and interests in products available on-line or in retail settings; managing a computer-based system that enables the existence of a commercial-based on-line community of retail consumers where users can create virtual lists of desired goods and services based upon their consumer-based interests and opinions and other users can contribute funds to assist in purchasing those desired goods and services; Providing temporary use of non-downloadable software for creating virtual lists of desired services and services based upon a user's consumer-based interests and opinions