This is a new, never-used, black and floral (canvas or canvas-like material) 6-ring binder daily planner organizer by Advantage which provides places for ID card and slots for 3 credit cards and a large file section on the inside cover. Then, there is a clear plastic sheet that holds 3-6 more credit cards or other cards that size. Loose-leaf mechanism holds divided tabbed sections for Diary, Communications, Projects, Expenses, Goals, and a Telephone/Fax#/Address Book in the back. Organizer measures 5 1/2" wide x 8 1/4" tall x 1 1/8" thick. There are no dates; you put them in when you are ready to use this organizer. There's even a small lined tablet inside.
Each of the sections is named in English as well as 4 other languages--German, Spanish, and 2 others. GET ORGANIZED!