22.

"YTD"

(Year-to-date)

We use "YTD" to talk about how much of something there has been from the
beginning of the year until now.

What are our YTD advertising expenses?

"YTD" is useful for talking about the total amount of things like income,
expenses, sales numbers, etc.

23. "ROI"

(Return on investment)

When you make a business decision, you hope for a "positive ROI", which
means "return on investment". In other words, you hope to make more money
than you spend.

Let's figure out which of our initiatives had the highest ROI.

24. "OT"

(Overtime)

For some jobs, you get paid extra when you work beyond the normal number of
hours. For example, a police officer who works more than 40 hours per week
might get paid 50% more for any extra hours.

I'm sorry, but we can't approve any OT this month.

25. "NDA"

(Non-disclosure agreement)

An "NDA" is a legal document. It prevents someone from sharing information. A

company might ask you to sign an "NDA" before they agree to talk about a
secret project.