Anita Campbell’s annual Tech Tools report in Inc.com contains not five, but ten Tech Tools You Can’t Live Without in 2007. Her list doesn’t just include gadgets, but a number of those are mentioned. She also includes several web tools (a Google account and the USPS website) — and remarkably, she includes Kate Spade notecards for those times when a hand-written note is better than an email. OK, I don’t get why notecards are a tech tool, but I’m with her on the Smartphone, Bluetooth Headset and Virtual Switchboard, which are great tools for small business owners. Accounting software and PayPal make a lot of sense, too. Read the whole thing and decide for yourself.