1. IRA - Individual Retirement Arrangement
2. ubiquitous - existing, being elsewhere
3. transient:
adjective: not lasting, lasting short time, staying only short time
noun: a function that tends to zero as the independent variable tends to infinity
4. velcro a brand of fastening tape consisting of opposing pieces of fabric, one with a dense arrangement of tiny nylon hooks and the other with a dense nylon pile, that interlock when pressed together, used as a closure on garments, luggage, etc., in place of buttons, zippers, and the like.
5. piffle - nonsense as trivial
6. astute - clever, cunning
7. aphorism - a terse saying embodying a general truth, a brief statement of a principle
8. levy - to impose a tax
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