[violet lightning]

I like "shemale" as a general term, But I guess its accepted use refers to girls in the porn industry.
To me, its a natural-sounding word that simply refers to the third sex, as in male, female and shemale, a blending of the two. (of course you could further break it down to MtF or FtM.)
I use "shemale" here usually since 99% of the models we post are professional.

I like "t-girl" too, a shortened version of transgendered, which seems to be the most accurate and sounds good too.
I've never used "tranny", I always thought it sounded a little disrespectful.
"Ladyboy"...never use it, refers to a specific group, don't like the way it sounds that much.

In real life I just call someone "he" or "she" according to how they want to be addressed. (or how their appearance would suggest that I address them)