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Appendix F: Personal Dictionary

Appendix F. Personal Dictionary

The words in this Appendix appear in Activity B, “Building Word Power” in each chapter.

accelerate (v.; 2)—

to progress faster

accrues (v.; 10)—

to be added or increased periodically

alternative (n.; 2, 11)—

choice between two or more things

amenities (n.; 8)—

extra services offered to customers

ASAP (adv.; 9)—

abbreviation for “as soon as possible”

assertiveness (n.; 12)—

the quality of being self-confident or forceful

assess (v.; 12)—

to evaluate

assessment (n.; 11)—

an official evaluation of taxable property

ATM (n.; 1)—

automated teller machine

authorization (n.; 1)—

legal power to complete a transaction for another person

automated electronic banking (n.; 1)—

banking transactions completed through electronic machines

backlogged (adj.; 7)—

held back to be delivered at a future date

biomedical (adj.; 6)—

term describing medical science which deals with the relationship between body chemistry and function

bodily injury insurance (n.; 2)—

physical damage coverage

bonds (n.; 3)—

interest-bearing certificates issued by government or business to raise money

boutique (n.; 7)—

small retail shop selling current, trendy clothing

budget (n.; 10, 11)—

plan of income and projected expenses

bulk (n.; 11)—

large quantity

cafeteria-type medical insurance (n.; 2)—

type of insurance for which the individual chooses portions of coverage related to his or her needs

catastrophic insurance (n.; 2)—

insurance covering expenses from a major accident or disaster not covered by other insurance

certificate of deposit (CD) (n.; 1)—

bank account for a specific period of time which offers a higher rate of interest and carries a penalty for early withdrawal

cholesterol (n.; 6)—

a fatty substance found in the body

co-applicant (n.; 1)—

a person who files a joint request in which both individuals are financially responsible

collateral (n.; 1)—

item of value, such as stocks or property used, to secure a loan

commission (n.; 9)—

additional pay which is added to a salary based on total sales

commissioner (n.; 11)—

individual who is the head of a department or division of a governmental agency

commitment (n.; 12)—


complimentary (adj.; 8)—

free of charge

comprehensive (adj.; 6)—

inclusive; of broad scope

concierge (n.; 8)—

an individual who arranges special services for hotel guests

condominum (n.; 5)—

building complex in which units are individually owned

configuration (n.; 4)—

arrangement of parts making up the whole

consolidation (n.; 8)—

grouping or merging together

continental breakfast (n.; 8)—

breakfast consisting of a hot beverage and bread or light pastry

cooperative (n.; 5)—

building complex in which owners of an apartment are shareholders of the building

corporate park (n.; 5)—

cluster of office buildings in a park-like setting

cost conscious (adj.; 10)—

sensitivity to costs of products or services

crucial (adj.; 12)—

important; significant

debris (n.; 5)—

rubbish or the remains of something destroyed

deductible (n.; 2)—

amount of insured's liability for a claim

delinquent (adj.; 5)—

term describing a past-due account

diminished (v.; 11)—

reduced, lessened

directories (n.; 8)—

lists of names, places, and items

diversified (adj.; 10)—


DWI (n.; 6)—

acronym for “driving while intoxicated”

electronic mail (E-mail) (n.; 4)—

system through which messages are transmitted via computers

electronic malls (n.; 7)—

system on the Internet through which merchandise can be purchased via the computer

emerging (v.; 10)—

evolving into something new or improved

entrepreneur (n.; 9)—

individual who organizes and manages a business

escalate (v.; 2)—

to grow or increase

FDIC (n.; 1)—

Federal Deposit Insurance Corporation, a federal agency which insures savings deposits up to $100,000

facsimile equipment (FAX) (n.; 4)—

telephone and electronic equipment through which an exact copy of information is transmitted

feasibility (n.; 9)—

capability or practicality of completing an activity

fiscal (adj.; 11)—

pertaining to financial matters

franchise (n.; 7, 9)—

licensing right to run a business or service for a well-known company according to set operating procedures; e.g., McDonald's™ franchise

franchisee (n.; 9)—

individual or firm which has been granted a franchise

franshiser (n.; 9)—

company or manufacturer that grants licensing rights to individuals to run a business

global (adj.; 1)—


globalization (n.; 10)—

the act of becoming or making worldwide

glossary (n.; 3)—

list of terms in a special subject with definitions

gourmet (adj.; 8)—

term describing specialized, fancy foods

HMO (n.; 6)—

health maintenance organization; group offering medical services to its subscribers

human resources (adj.; 12)—

term used to identify personnel departments in companies

implemented (v.; 8)—

put into effect

index (n.; 5)—

guide used to measure items such as prices or wages

innovative (adj.; 7)—

term used to describe new ideas or methods

instantaneously (adv.; 10)—


insufficient funds (n.; 1)—

not enough money in account to clear checks for payment

Internet (n.; 4)—

system that allows users to communicate with others throughout the world via computers

internship (n.; 12)—

voluntary work assignment without pay

investment (n.; 3)—

the use of money for the purpose of receiving profit

investment portfolio (n.; 3)—

list of stocks and bonds owned by an individual, bank, or business

IRA (n.; 1)—

individual retirement account; a savings plan that allows individuals to put aside money that is not taxed until retirement

itinerary (n.; 10)—

schedule of travel dates, accommodations, and events

laptop computer (n.; 4)—

compact, lightweight computer that is easy to carry

lease (n.; 5)—

contract between landlord and tenant specifying terms of agreement; e.g., length of contract, monetary deposit on apartment

legislation (n.; 11)—

laws passed by local, state, and federal government

legislator (n.; 11)—

individual elected or appointed to a law-making body

liability insurance (n.; 2)—

protection against injury and property damages of another person.

liaison (n.; 10)—

a person who acts as a connection between individuals or organizations

mammogram (n.; 6)—

x-ray examination to detect breast cancer

megamall (n.; 7)—

large building or site in which retail stores, restaurants, entertainment, and accommodations are located

metabolism (n.; 6)—

process by which the body converts food and oxygen into energy

modem (n.; 4)—

electronic device used to convert and transmit data to or from a computer over telephone lines

modulate (v.; 12)—

to regulate

monitor (n.; 4)—

a computer screen

mortgage (n.; 1, 5)—

a loan given by a bank to finance the cost of property, which is security for repayment of loan

mouse (n.; 4)—

small, hand-held device which moves the cursor on the computer screen

multicultural (adj.; 11)—

of diversified ethnic backgrounds

multinational (adj.; 3)—

referring to many nations

municipal (adj.; 11)—

pertaining to the local government of a town or city

mutual fund (n.; 3)—

group formed to invest money obtained from shareholders; investments include stocks and bonds

network (n.; 1, 6)—

system of interconnecting equipment used for communications; group of individuals who cooperate on a project

network marketing (n.; 9)—

selling approach in which individuals use personal contacts to make sales

nominal (adj.; 10)—

very small amount in proportion to the value of the whole; for example, nominal fee for shipping and handling

notebook (n.; 4)—

a portable, lightweight computer

nutrition (n.; 6)—

nourishment that promotes good health

nutritionist (n.; 6)—

individual specializing in nutrition

obligation (n.; 1)—

duty imposed by contract

ophthalmologist (n.; 6)—

medical doctor specializing in functions and diseases of the eyes

option (n.; 2)—

right to choose

ordinance (n.; 11)—

local law or rule

orthopedic (adj.; 6)—

dealing with treatment, disease, and injuries of the spine, bones, joints, and muscles

outlet mall (n.; 7)—

mall with discount retail stores

outpatient (n.; 6)—

person receiving treatment or care at a hospital not requiring an overnight stay

partition (n.; 8)—

wall separating two areas

periodically (adv.; 5)—

recurring from time to time

phasing out (v.; 2)—

gradually bringing to an end

physical inventory (n.; 7)—

manual handcount of merchandise

potpourri (n.; 8)—

combination, collection, mixed

preliminary (adj.; 10, 12)—


premium (n.; 2)—

the amount paid for an insurance policy

principal (n.; 5)—

when used as a financial term, refers to the amount of money owed, not including interest

priority (n.; 10)—


privileged (adj.; 7)—

entitled to a special advantage

projections (n.; 8)—

studies predicting future trends

property damage insurance (n.; 2)—

insurance against claims if the insured's car damages someone's property or land

prorate (v.; 5)—

to divide proportionately

prospectus (n.; 3)—

report reviewing the financial condition, terms of ownership, and organizational plan of a new business

protocol (n.; 4)—

set of standards or procedures that allow computers to interact

proxy (n.; 3)—

Stockholders who cannot attend an annual meeting permit another person to vote on issues on their behalf

Realtor (n.; 5)—

individual who is licensed by the National Association of Real Estate Boards to deal in real estate

rebate (n.; 9)—

deduction off the original price of an item

redeem (v.; 7)—

to pay off or buy back

reference (n.; 5)—

person who can offer personal or employment information on an individual; recommendation

securities (n.; 3)—

stocks and bonds

security deposit (n.; 5)—

sum of money given as protection against losses resulting from damages or failure to pay rent

segment (n.; 10)—

portion or section

software (n.; 4)—

programs used on a computer; e.g., Microsoft Word, Excel

specialist (n.; 1)—

individual devoted to a particular field of study

stalled (v.; 11)—

delayed or put off

standalone (adj.; 9)—

term used to describe a computer which operates independently of a network system

stockbroker (n.; 3)—

agent who buys and sells stocks and bonds for a client

stocks (n.; 3)—

certificates that show ownership in a corporation

strategies (n.; 10)—

skills used to reach a goal

subsidiary (adj.; 9)—

providing secondary or support service to the main organization

subsidized (v.; 2)—

supported with financial help

supplement (v.; 9)—

to add to

telecommunications (n.; 4)—

communications using telephone and video equipment

teleconferencing (n.; 12)—

use of telephone and video equipment to conduct a joint meeting from two or more office sites

telemarketing (n.; 9)—

use of the telephone to sell goods or services

town code (n.; 5)—

body of laws passed by town or city regulating various procedures; e.g., building, environmental, and fire codes

town council (n.; 11)—

group of elected officials who run local government

transaction (n.; 1)—

business deal or agreement

transition (n.; 6)—

change from one stage of activity to another

umbrella insurance (n.; 2)—

type of insurance which protects the insured against losses not covered by regular insurance

upscale (adj.; 7)—

above the average

upsurge (n.; 7)—

upward movement or increase

videoconferencing (n.; 4)—

system that uses computer terminals and communications equipment to display data and images

warehouse club (n.; 7)—

large retail store selling items in large quantities at discounted prices for its members

warranty (n.; 7)—

guarantee by manufacturer that quality and service of product are satisfactory



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