Entrepreneurial people, for example, "have ideas about everything all the time, " says Jonathan Kaplan, inventor of the Flip pocket camcorder, an idea that sparked a boom in personal videos a few years ago.
The idea of untaxed out-of-pocket dollars covering routine expenses and subsidized catastrophic insurance covering large expenditures is the most efficient and equitable model.
The idea is to have a notebook that fits in your pocket, so that you are not advertising yourself as a note-taker ideally, a small notebook that will not fall apart.