The Business Manager (TBM) is an annual planning calendar and business control system. Just print the contents and then 3-hole punch or spiral bind them to create a week-at-a-glance planner pad. It has been designed specifically for financial advisers to help you control your business and your time. It is not the only such system available in the industry, but we believe it is the simplest and therefore the most effective. Since it is an added feature of your VSA, it is certainly the least expensive!Because TBM requires front and back printing, it cannot be used exactly as it comes off the Internet. You need access to a copy machine that will copy “front and back.” If you do not have one in your office, use Office Depot, Staples or any local printing and copying firm.