Abstract: A combination address and business card book that utilizes a loose ring device to hold together a plurality of loose leaves/cards inside its end-covers. This book is pocket-portable, palm-handy, replaceable and/or refillable. The ring device may snap open/close for discarding or replacing outdated loose leaf/leaves/card/s in the book. The loose leaves/cards may include blank personal information carriers, business cards, and/or the like, combining personal and business information in one accessible system. One individual or business entity is assigned to each card. When information changes on a particular individual/business entity, the corresponding loose card is pulled out of the book to be discarded or replaced. Hence, outdated information never accumulates in this book. Additionally, the book conforms to the standard size of business cards, so its entirety can be held in the palm of one's hand, or kept inside a purse for maximum portability, and is conveniently accessed at anytime anywhere.