David Elms
![David Elms](/assets/img/authors/unknown.jpg)
David Elms
The Erotic Review, also known as TheEroticReview.com, is a review site that allows customers to rate their experiences with sex workers. The service was first launched in 1999 by David Elms, who came up with the idea after having a bad encounter with a call girl. In a 2008 article with the River Front Times, Elms commented that the average site user was "between 35 and 55 years old with a median income of $80,000". The site was acquired by...
budgets buying due events home later married partly people serious taking trigger
This is partly due to people taking on responsibilities - such as buying a home or getting married - later on in life. It's often only the serious events like these that trigger a real need to budget.
apathy claim credits failure sums vast whether
Whether through apathy or confusion, the failure to claim these credits is just one way we're needlessly gifting vast sums to the taxman each year.