Abstract: The instant invention features a novel binder having opposing panels, with a first panel having a binding strap gripping means at an edge of a first end of the panel and a binding strap extending from a second end of the panel such that the binding strap can be extended from the second end of the panel, around and/or through the second panel back to the first end of the gripping means of the first panel. Such arrangement allows securing of the second panel in adjustable, opposing juxtaposition to the first panel, thereby securing loose papers between the panels.