Book Description: READ WHY THIS BOOK IS 3 TIMES MORE USEFUL THAN ITS COMPETITORS!! Credit bureaus classify and report payments to creditors and potential creditors as derogatory accounts. Late payments incur finance penalties. This updated edition of Bill Paying Reminder and Filing System was designed among other practical reasons to prevent such recurring credit damaging, and late assess charges by keeping its owner constantly aware of each account's activities. This unique system contains see-through pockets for filing and ease of access to bills, payment coupons, checkbooks, credit cards, stamps, envelopes, labels and other credit related documents. In addition there are easy to use column pages on which to record payments and balances etc.. Other significant features are memo pages, multi year calendar and a complimentary FREE front cover dry erase marker. Included Also: Maxium Use of Your Book System Instructions.Special Instructions for Total Paid Columns.Bill Paying Hints. Please note: The unique features of this book such as its see-through plastic transparent pockets, requires hand assembly and correlation by the publisher, and is reproduced with State of the Art printing techniques. A Note From The Author: There are less expensive knock-off versions of this product on Amazon, but before purchasing, keep in mind not a single one can compare to Bill Paying Reminder in versatility and quality. For example: (1) No special cover with erasable marker to record incoming bills as they arrive. (2) Bills and financial ledger pages are hidden. (3) In contrast Bill Paying Reminder contains pages for up to 3 years of financial data, not only 12 months or so. See through pockets and other special features. Based upon these facts one would need 3 of the less expensive publications to equal 1 Bill Paying Reminder in applications and longevity. THE TIMELY AND PERFECT GIFT FOR YOU, OR THAT SPECIAL SOMEONE IN YOUR LIFE! An Open Appeal to this publication's current and past customers: Ratings on Amazon can determine the ultimate fate of products on this website. As in any public forum there are both negative and positive comments expressed. However,in this instance the issue of fairness is in question,as there are very often customers with ulterior motives whose real objectives are to diminish the quality of a product with caustic malicious postings to discourage potential customers from purchasing. If you are now one of the numerous satisfied customers who have bought this book and chose not to comment on its obvious effectiveness,I appeal to you to do so now, as a crucial means to counteract the vast minority who are bent on its oblivion. Please do so today,as time is of the essence. UNLIKE SIMILAR PUBLICATIONS ON AMAZON THIS UNIQUE BOOK WAS BORN and MADE in the USA!!