Abstract: A towel for being worn around a user's body includes a flexible planar member with at least one corner. A grommet is coupled to and extends through the flexible planar member. The grommet defines a hole in the grommet and comprises a plurality of flaps which are radially arranged with respect to each other and extend inwardly into the hole. The grommet is positioned distally from a selected corner of the at least one corner of the flexible planar member, and the selected corner is insertable through the hole of the grommet. Each flap comprises a resiliently bendable material such that the flaps bend to accommodate the selected corner. Having bent to accommodate the selected corner, the flaps are biased to constrict the selected corner when the selected corner is inserted through the hole to secure the selected corner in the hole.

Abstract: A ring binder mechanism having hole-punch assembly integrated therewith such as to conserve space and not impede the normal operation when disposed within a binder or a notebook. A novel aspect of the present invention allows the user to consolidate paper alignment, hole-punch capability and ring or loop binding functions into one portable storage assembly, thereby reaping the benefit of a convenient, effective, reliable and immediate paper storage apparatus in a portable form factor.