What is the appropriate term

What is the appropriate term to use when identifying a person of non-male gender?

For instance "That _____ over there left her purse on the table".

Which of these are acceptable, optimal, or offensive? For what ages?

Female? Lady? Woman? Chick? Girl? Gal? Also, if someone calls you Honey?

(bonus but not necessary - state your age and how you would feel about being called each of these)

Is it proper nowadays to call a group of males and females "guys"? How about a group of all females? People today don't use "gals", so is "guys" now universal for either gender? Tweet