Used the rings for another binder that I liked better. I had to take both binders apart and insert the rings in a binder that I liked better. It was a little bit of a chore but my husband was able to do the task with a few hardware materials and we went to a print shop to get the rings taken off your binder.
Binders are always needed for many things; some people I have heard use them for every bill. They put every bill and payment record in the binder(s) as they need and can locate it when needed in the future. Some people use binders for school recipes scrape books and many other things they have dreamed up. I am working on learning to write better making binders for chronic medical issues that I have and keeping up with that. Decide what you need a binder for and choose the size you want; you can also make changes in the size as you go.
Good value for the price. Liked having the option of 1.5" D-Ring. This size gives more room in school locker with a little more storage in the binder that might be needed in class.