How to Write a Cover Letter in 2024 + Examples

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After weeks of heavy job search, you’re almost there!

You’ve perfected your resume. 

You’ve short-listed the coolest jobs you want to apply for.

You’ve even had a friend train you for every single interview question out there.

But then, before you can send your application and call it a day, you remember that the job ad requires a cover letter.

Now you’re stuck wondering how to write a cover letter ...

Don’t panic! We’ve got you covered. Writing a cover letter is a lot simpler than you might think. 

In this guide, we’re going to teach you how to write a cover letter that gets you the job you deserve.

  • What’s a cover letter & why it’s important for your job search
  • How to write a convincing cover letter that gets you the job (step-by-step!)
  • How to perfect your cover letter with the Novoresume free checklist
  • What excellent cover letter examples look like

New to cover letter writing? Give our resumes 101 video a watch before diving into the article!

So, let’s get started with the basics!

What is a Cover Letter? (and Why It’s Important)

A cover letter is a one-page document that you submit as part of your job application (alongside your CV or Resume). 

Its purpose is to introduce you and briefly summarize your professional background. On average, your cover letter should be from 250 to 400 words long .

A good cover letter can spark the HR manager’s interest and get them to read your resume. 

A bad cover letter, on the other hand, might mean that your application is going directly to the paper shredder. So, to make sure this doesn’t happen, it’s essential to know how to write a convincing cover letter.

How does a good cover letter look, you might ask. Well, here’s an example:

how to write cover letter

Keep in mind, though, that a cover letter is a supplement to your resume, not a replacement. Meaning, you don’t just repeat whatever is mentioned in your resume.

If you’re writing a cover letter for the first time, writing all this might seem pretty tough. After all, you’re probably not a professional writer.

The thing is, though, you don’t need to be creative, or even any good at writing. All you have to do is follow a tried-and-tested format:

  • Header - Input contact information
  • Greeting the hiring manager
  • Opening paragraph - Grab the reader’s attention with 2-3 of your top achievements
  • Second paragraph - Explain why you’re the perfect candidate for the job
  • Third paragraph - Explain why you’re a good match for the company
  • Formal closing

Or, here’s what this looks like in practice:

structure of a cover letter

How to Write the Perfect Cover Letter (And Get Hired!)

Now that we’ve got the basics out of the way, we’re going to guide you through the process of writing a cover letter step by step. 

Step #1 - Pick the Right Cover Letter Template

A good cover letter is all about leaving the right first impression.

So, what’s a better way to leave a good impression than a well-formatted, visual template?

cover letter templates

You can simply pick one of our hand-picked cover letter templates , and you’ll be all set in a jiffy!

As a bonus, our AI will even give you suggestions on how to improve your cover letter on the go.

Step #2 - Start the Cover Letter with a Header

As with a resume, it’s important to start your cover letter with a Contact Information section:

contact information on a cover letter

Here, you want to include all essential information, including:

  • Phone Number
  • Name of the hiring manager / their professional title
  • Name of the company you’re applying to

In certain cases, you might also consider adding:

  • Social Media Profiles - Any type of profile that’s relevant to your field. Social Profiles on websites like LinkedIn, GitHub (for developers), Medium (for writers), etc.
  • Personal Website - If you have a personal website that somehow adds value to your application, you can mention it. Let’s say you’re a professional writer. In that case, you’d want to link to your blog.

And here’s what you shouldn’t mention in your header:

  • Your Full Address 
  • Unprofessional Email - Make sure your email is presentable. It’s pretty hard for a hiring manager to take you seriously if your email address is “[email protected].” Whenever applying for jobs, stick to the “[first name] + [last name] @ email provider.com” format.

matching resume and cover letter

Step #3 - Greet the Hiring Manager

Once you’ve properly listed your contact information, you need to start writing the cover letter contents.

The first thing to do here is to address the cover letter to the hiring manager .

That’s right, the hiring manager! Not the overly popular “Dear Sir or Madam.” You want to show your future boss that you did your research and are really passionate about working with their team.

No one wants to hire a job seeker who just spams 20+ companies and hopes to get hired in any of them.

So, how do you find out who’s the hiring manager? There are several ways to do this. 

The simplest option is to look up the head of the relevant department on LinkedIn. Let’s say you’re applying for the position of a Communication Specialist at Novoresume. The hiring manager is probably Head of Communications or Chief Communications Office.

So, you do a quick lookup on LinkedIn:

linkedin search cco

And voila! You have your hiring manager.

Or let’s say you’re applying for the position of a server. In that case, you’d be looking for the “restaurant manager.”

If this doesn’t work, you can also check out the “Team” page on the company website; there’s a good chance you’ll at least find the right person there.

Here are several other greetings you could use:

  • Dear [Department] Hiring Manager
  • Dear Hiring Manager
  • To whom it may concern
  • Dear [Department] Team

Step #4 - Write an Attention-Grabbing Introduction

First impressions matter, especially when it comes to your job search.

Recruiters get hundreds, sometimes even thousands, of applications. Chances are, they’re not going to be reading every single cover letter end-to-end.

So, it’s essential to catch their attention from the very first paragraph .

The #1 problem we see with most cover letter opening paragraphs is that they’re usually extremely generic. Most of them look something like this..

  • Hey, my name is Jonathan and I’d like to work as a Sales Manager at XYZ Inc. I’ve worked as a sales manager at MadeUpCompany Inc. for 5+ years, so I believe that I’d be a good fit for the position.

See the issue here? This opening paragraph doesn’t say pretty much anything except the fact that you’ve worked the job before.

Do you know who else has similar work experience? All the other applicants you’re competing with.

Instead, you want to start off with 2-3 of your top achievements to really grab the reader’s attention. Preferably, the achievements should be as relevant as possible to the position.

So now, let’s make our previous example shine:

My name’s Michael and I’d like to help XYZ Inc. hit and exceed their sales goals as a Sales Manager. I’ve worked with Company X, a fin-tech company, for 3+ years. As a Sales Representative, I generated an average of $30,000+ in sales per month (beating the KPIs by around 40%). I believe that my previous industry experience, as well as excellence in sales, makes me the right candidate for the job.

See the difference between the two examples? If you were the hiring manager, which sales manager would you hire, Jonathan or Michael?

Now that we’ve covered the introduction, let’s talk about the body of your cover letter. This part is split into two paragraphs: the first is for explaining why you’re the perfect person for the job, and the latter is for proving that you’re a good fit for the company.

So, let’s get started...

Step #5 - Explain why you’re the perfect person for the job

This is where you show off your professional skills and convince the HR manager that you’re a better fit for the job than all the other applicants.

But first things first - before you even write anything, you need to learn what the most important requirements for the role are. So, open up the job ad and identify which of the responsibilities are the most critical.

For the sake of the example, let’s say you’re applying for the position of a Facebook Advertiser. You scan the job ad and see that the top requirements are:

  • Experience managing a Facebook ad budget of $10,000+ / month
  • Some skills in advertising on other platforms (Google Search + Twitter)
  • Excellent copywriting skills

Now, in this section, you need to discuss how you fulfill these requirements. So, here’s how that would look for our example:

In my previous role as a Facebook Marketing Expert at XYZ Inc. I handled customer acquisition through ads, managing a monthly Facebook ad budget of $20,000+ . As the sole digital marketer at the company, I managed the ad creation & management process end-to-end. Meaning, I created the ad copy , images, picked the targeting, ran optimization trials, and so on.

Other than Facebook advertising, I’ve also delved into other online PPC channels, including:

  • Google Search

Are you a student applying for your first internship? You probably don’t have a lot of work experience to show off in this section. Learn how to write an internship cover letter here.

Step #6 - Explain why you’re a good fit for the company

Once you’ve written the last paragraph, you might be thinking - I’m a shoo-in for the job! What else do I need to write? I’ll just wrap up the cover letter and hit that sweet SEND button.

Well, no. You’re not quite there yet.

The HR manager doesn’t only look at whether you’ll be good at the job or not. They’re looking for someone that’s also a good fit for the company culture.

After all, employees that don’t fit in are bound to quit, sooner or later. This ends up costing the company a ton of money, up to 50% of the employee’s annual salary . 

Meaning, you also need to convince the HR manager that you’re really passionate about working with them.

How do you do this? Well, as a start, you want to do some research about the company. You want to know things like:

  • What’s the company’s business model?
  • What’s the company product or service? Have you used it?
  • What’s the culture like? Will someone micro-manage your work, or will you have autonomy on how you get things done?

So, get to Googling. Chances are, you’ll find all the information you need either on the company website or somewhere around the web.

Then, you need to figure out what you like about the company and turn that into text.

Let’s say, for example, you’re passionate about their product and you like the culture of innovation / independent work in the organization.

You’d write something like:

I’ve personally used the XYZ Smartphone, and I believe that it’s the most innovative tech I’ve used in years. The features such as Made-Up-Feature #1 and Made-Up-Feature #2 were real game changers for the device. 

I really admire how Company XYZ thrives for excellence for all its product lines, creating market-leading tech. As someone that thrives in a self-driven environment, I truly believe that I and Company XYZ will be a great match.

What you don’t want to do here is be super generic for the sake of having something to write. Most job seekers tend to mess this one up. Let’s take a look at a very common example we tend to see (way too often):

I’d love to work for Company XYZ because of its culture of innovation. I believe that since I’m super creative, I’d be a good fit for the company. The company values of integrity and transparency really vibe with me.

See what’s wrong here? The example doesn’t really say anything about the company. “Culture of Innovation” is something most companies claim to have. 

The same goes for “values of integrity and transparency” - the writer just googled what the values for the organization are, and said that they like them.

Any hiring manager that reads this will see through the fluff.

So, make sure to do a lot of research and come up with good reasons why you're applying.

Step #7 - Wrap up with a call to action

Finally, it’s time to finish up your cover letter and write the conclusion.

In the final paragraph, you want to:

  • Wrap up any points you couldn't in the previous paragraphs. Do you have anything left to say? Any other information that could help the hiring manager make their decision? Mention it here.
  • Thank the hiring manager for their time. It never hurts to be courteous, as long as you don’t come off as too needy.
  • Finish the cover letter with a call to action. The very last sentence in your cover letter should be a call to action. You should ask the hiring manager to take some sort of action.

And now, let’s turn this into a practical example:

So to wrap it all up, thanks for looking into my application. I hope I can help Company X make the most out of their Facebook marketing initiatives. I'd love to further discuss how my previous success at XYZ Inc. can help you achieve your facebook marketing goals.

Step #8 - Use the right formal closing

Once you’re done with the final paragraph, all you have to do is write down a formal “goodbye” and you’re good to go.

Feel free to use one of the most popular conclusions to a cover letter:

  • Best Regards,
  • Kind Regards,

And we’re finally done! Before sending off the cover letter, make sure to proofread it with software like Grammarly, or maybe even get a friend to review it for you.

Does your cover letter heading include all essential information?

  • Professional email
  • Relevant Social Media Profiles

Do you address the right person? I.e. hiring manager in the company / your future direct supervisor

Does your introductory paragraph grab the reader's attention?

  • Did you mention 2-3 of your top achievements?
  • Did you use numbers and facts to back up your experience?

Do you successfully convey that you’re the right pro for the job?

  • Did you identify the core requirements?
  • Did you successfully convey how your experiences help you fit the requirements perfectly?

Do you convince the hiring manager that you’re passionate about the company you’re applying to?

  • Did you identify the top 3 things that you like about the company?
  • Did you avoid generic reasons for explaining your interest in the company?

Did you finalize the conclusion with a call to action?

Did you use the right formal closure for the cover letter?

5+ Cover Letter Examples

Need some inspiration? Read on to learn about some of the best cover letter examples we’ve seen (for different fields).

College Student Cover Letter Example

college or student cover letter example

Middle Management Cover Letter Example

Middle Management Cover Letter

Career Change Cover Letter Example

Career Change Cover Letter

Management Cover Letter Example

Management Cover Letter Example

Senior Executive Cover Letter Example

Senior Executive Cover Letter Example

Want to discover more examples AND learn what makes them stand out? Check out our guide to cover letter examples .

Next Steps in Your Job Search - Creating a Killer Resume

Your cover letter is only as good as your resume. If either one is weak, your entire application is for naught. 

After all, a cover letter is just an introduction. Imagine going through all this effort to leave an amazing first impression, but flopping at the end because of a mediocre resume.

...But don’t you worry, we’ve got you covered on that end, too.

If you want to learn more about Resumes & CVs, we have a dedicated FREE guide for that. Check out our complete guide on how to make a resume , as well as how to write a CV - our experts will teach you everything you need to know in order to land your dream job.

Or, if you’re already an expert, just pick one of our resume templates and get started.

resume examples for cover letter

Key Takeaways

Now that we’ve walked you through all the steps of writing a cover letter, let’s summarize everything we’ve learned:

  • A cover letter is a 250 - 400 word document that convinces the hiring manager of your competence
  • A cover letter goes in your job application alongside your resume
  • Your introduction to the cover letter should grab the hiring manager’s attention and keep it all the way until the conclusion
  • There are 2 main topics you need to include in your cover letter: why you’re the perfect candidate for the job & why you’re passionate about working in the company you’re applying to
  • Most of the content of your cover letter should be factual , without any fluff or generalizations

At Novorésumé, we’re committed to helping you get the job you deserve, every step of the way! Follow our blog to stay up to date with the industry-leading advice. Or, check out some of our top guides…

  • How to Write a Motivational Letter
  • How to Write a Resume with No Work Experience
  • Most Common Interview Questions and Answers

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How to write a great cover letter in 2024: tips and structure

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A cover letter is a personalized letter that introduces you to a potential employer, highlights your qualifications, and explains why you're a strong fit for a specific job.

Hate or love them, these brief documents allow job seekers to make an impression and stand out from the pile of other applications. Penning a thoughtful cover letter shows the hiring team you care about earning the position.

Here’s everything you need to know about how to write a cover letter — and a great one, at that.

What is a cover letter and why does it matter?

A professional cover letter is a one-page document you submit alongside your CV or resume as part of a job application. Typically, they’re about half a page or around 150–300 words.

An effective cover letter doesn’t just rehash your CV; it’s your chance to highlight your proudest moments, explain why you want the job, and state plainly what you bring to the table.

Show the reviewer you’re likable, talented, and will add to the company’s culture . You can refer to previous jobs and other information from your CV, but only if it helps tell a story about you and your career choices .

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What 3 things should you include in a cover letter?

A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include:

1. Personalization

Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find out who will be reviewing applications. Personalizing your cover letter shows that you've taken the time to tailor your application to the specific company and role.

2. Highlight relevant achievements and skills

Emphasize your most relevant skills , experiences, and accomplishments that directly relate to the job you're applying for. Provide specific examples of how your skills have benefited previous employers and how they can contribute to the prospective employer's success. Use quantifiable achievements , such as improved efficiency, cost savings, or project success, to demonstrate your impact.

3. Show enthusiasm and fit

Express your enthusiasm for the company and the position you're applying for. Explain why you are interested in this role and believe you are a good fit for the organization. Mention how your values, goals, and skills align with the company's mission and culture. Demonstrating that you've done your research can make a significant impression.

What do hiring managers look for in a cover letter?

Employers look for several key elements in a cover letter. These include:

Employers want to see that your cover letter is specifically tailored to the position you are applying for. It should demonstrate how your skills, experiences, and qualifications align with the job requirements.

Clear and concise writing

A well-written cover letter is concise, easy to read, and error-free. Employers appreciate clear and effective communication skills , so make sure your cover letter showcases your ability to express yourself effectively.

Demonstrated knowledge of the company

Employers want to see that you are genuinely interested in their organization. Mention specific details about the company, such as recent achievements or projects, to show that you are enthusiastic about joining their team.

Achievements and accomplishments

Highlight your relevant achievements and accomplishments that demonstrate your qualifications for the position. Use specific examples to showcase your skills and show how they can benefit the employer.

Enthusiasm and motivation

Employers want to hire candidates who are excited about the opportunity and motivated to contribute to the company's success. Express your enthusiasm and passion for the role and explain why you are interested in working for the company.

Professionalism

A cover letter should be professional in tone and presentation. Use formal language, address the hiring manager appropriately, and follow standard business letter formatting.

excited-woman-in-her-office-how-to-write-a-cover-letter

How do you structure a cover letter?

A well-structured cover letter follows a specific format that makes it easy for the reader to understand your qualifications and enthusiasm for the position. Here's a typical structure for a cover letter:

Contact information

Include your name, address, phone number, and email address at the top of the letter. Place your contact information at the beginning so that it's easy for the employer to reach you.

Employer's contact information

Opening paragraph, middle paragraph(s), closing paragraph, complimentary close, additional contact information.

Repeat your contact information (name, phone number, and email) at the end of the letter, just in case the employer needs it for quick reference.

Remember to keep your cover letter concise and focused. It should typically be no more than one page in length. Proofread your letter carefully to ensure it is free from spelling and grammatical errors. Tailor each cover letter to the specific job application to make it as relevant and impactful as possible.

How to write a good cover letter (with examples)

The best letters are unique, tailored to the job description, and written in your voice — but that doesn’t mean you can’t use a job cover letter template.

Great cover letters contain the same basic elements and flow a certain way. Take a look at this cover letter structure for ref erence while you construct your own.

1. Add a header and contact information

While reading your cover letter, the recruiter shouldn’t have to look far to find who wrote it. Your document should include a basic heading with the following information:

  • Pronouns (optional)
  • Location (optional)
  • Email address
  • Phone number (optional)
  • Relevant links, such as your LinkedIn profile , portfolio, or personal website (optional)

You can pull this information directly from your CV. Put it together, and it will look something like this:

Christopher Pike

San Francisco, California

[email protected]

Alternatively, if the posting asks you to submit your cover letter in the body of an email, you can include this information in your signature. For example:

Warm regards,

Catherine Janeway

Bloomington, Indiana

[email protected]

(555) 999 - 2222

man-using-his-laptop-while-smiling-how-to-write-a-cover-letter

2. Include a personal greeting

Always begin your cover letter by addressing the hiring manager — preferably by name. You can use the person’s first and last name. Make sure to include a relevant title, like Dr., Mr., or Ms. For example, “Dear Mr. John Doe.”

Avoid generic openings like “To whom it may concern,” “Dear sir or madam,” or “Dear hiring manager.” These introductions sound impersonal — like you’re copy-pasting cover letters — and can work against you in the hiring process.

Be careful, though. When using someone’s name, you don’t want to use the wrong title or accidentally misgender someone. If in doubt, using only their name is enough. You could also opt for a gender-neutral title, like Mx.

Make sure you’re addressing the right person in your letter — ideally, the person who’s making the final hiring decision. This isn’t always specified in the job posting, so you may have to do some research to learn the name of the hiring manager.

3. Draw them in with an opening story

The opening paragraph of your cover letter should hook the reader. You want it to be memorable, conversational, and extremely relevant to the job you’re pursuing. 

There’s no need for a personal introduction — you’ve already included your name in the heading. But you should make reference to the job you’re applying for. A simple “Thank you for considering my application for the role of [job title] at [company],” will suffice.

Then you can get into the “Why” of your job application. Drive home what makes this specific job and this company so appealing to you. Perhaps you’re a fan of their products, you’re passionate about their mission, or you love their brand voice. Whatever the case, this section is where you share your enthusiasm for the role.

Here’s an example opening paragraph. In this scenario, you’re applying for a digital marketing role at a bicycle company:

“Dear Mr. John Doe,

Thank you for considering my application for the role of Marketing Coordinator at Bits n’ Bikes.

My parents bought my first bike at one of your stores. I’ll never forget the freedom I felt when I learned to ride it. My father removed my training wheels, and my mom sent me barrelling down the street. You provide joy to families across the country — and I want to be part of that.”

4. Emphasize why you’re best for the job

Your next paragraphs should be focused on the role you’re applying to. Highlight your skill set and why you’re a good fit for the needs and expectations associated with the position. Hiring managers want to know what you’ll bring to the job, not just any role.

Start by studying the job description for hints. What problem are they trying to solve with this hire? What skills and qualifications do they mention first or more than once? These are indicators of what’s important to the hiring manager.

Search for details that match your experience and interests. For example, if you’re excited about a fast-paced job in public relations, you might look for these elements in a posting:

  • They want someone who can write social media posts and blog content on tight deadlines
  • They value collaboration and input from every team member
  • They need a planner who can come up with strong PR strategies

Highlight how you fulfill these requirements:

“I’ve always been a strong writer. From blog posts to social media, my content pulls in readers and drives traffic to product pages. For example, when I worked at Bits n’ Bikes, I developed a strategic blog series about bike maintenance that increased our sales of spare parts and tools by 50% — we could see it in our web metrics.

Thanks to the input of all of our team members, including our bike mechanics, my content delivered results.”

5. End with a strong closing paragraph and sign off gracefully

Your closing paragraph is your final chance to hammer home your enthusiasm about the role and your unique ability to fill it. Reiterate the main points you explained in the body paragraphs and remind the reader of what you bring to the table.

You can also use the end of your letter to relay other important details, like whether you’re willing to relocate for the job.

When choosing a sign-off, opt for a phrase that sounds professional and genuine. Reliable options include “Sincerely” and “Kind regards.”

Here’s a strong closing statement for you to consider:

“I believe my enthusiasm, skills, and work experience as a PR professional will serve Bits n’ Bikes very well. I would love to meet to further discuss my value-add as your next Director of Public Relations. Thank you for your consideration. I hope we speak soon.

man-reading-carefully-how-to-write-a-cover-letter

Tips to write a great cover letter that compliments your resume

When writing your own letter, try not to copy the example excerpts word-for-word. Instead, use this cover letter structure as a baseline to organize your ideas. Then, as you’re writing, use these extra cover letter tips to add your personal touch:

  • Keep your cover letter different from your resume : Your cover letter should not duplicate the information on your resume. Instead, it should provide context and explanations for key points in your resume, emphasizing how your qualifications match the specific job you're applying for.
  • Customize your cover letter . Tailor your cover letter for each job application. Address the specific needs of the company and the job posting, demonstrating that you've done your homework and understand their requirements.
  • Show enthusiasm and fit . Express your enthusiasm for the company and position in the cover letter. Explain why you are interested in working for this company and how your values, goals, and skills align with their mission and culture.
  • Use keywords . Incorporate keywords from the job description and industry terms in your cover letter. This can help your application pass through applicant tracking systems (ATS) and demonstrate that you're well-versed in the field.
  • Keep it concise . Your cover letter should be succinct and to the point, typically no more than one page. Focus on the most compelling qualifications and experiences that directly support your application.
  • Be professional . Maintain a professional tone and structure in your cover letter. Proofread it carefully to ensure there are no errors.
  • Address any gaps or concerns . If there are gaps or concerns in your resume, such as employment gaps or a change in career direction, briefly address them in your cover letter. Explain any relevant circumstances and how they have shaped your qualifications and determination.
  • Provide a call to action . Conclude your cover letter with a call to action, inviting the employer to contact you for further discussion. Mention that you've attached your resume for their reference.
  • Follow the correct format . Use a standard cover letter format like the one above, including your contact information, a formal salutation, introductory and closing paragraphs, and your signature. Ensure that it complements your resume without redundancy.
  • Pick the right voice and tone . Try to write like yourself, but adapt to the tone and voice of the company. Look at the job listing, company website, and social media posts. Do they sound fun and quirky, stoic and professional, or somewhere in-between? This guides your writing style.
  • Tell your story . You’re an individual with unique expertise, motivators, and years of experience. Tie the pieces together with a great story. Introduce how you arrived at this point in your career, where you hope to go , and how this prospective company fits in your journey. You can also explain any career changes in your resume.
  • Show, don’t tell . Anyone can say they’re a problem solver. Why should a recruiter take their word for it if they don’t back it up with examples? Instead of naming your skills, show them in action. Describe situations where you rose to the task, and quantify your success when you can.
  • Be honest . Avoid highlighting skills you don’t have. This will backfire if they ask you about them in an interview. Instead, shift focus to the ways in which you stand out.
  • Avoid clichés and bullet points . These are signs of lazy writing. Do your best to be original from the first paragraph to the final one. This highlights your individuality and demonstrates the care you put into the letter.
  • Proofread . Always spellcheck your cover letter. Look for typos, grammatical errors, and proper flow. We suggest reading it out loud. If it sounds natural rolling off the tongue, it will read naturally as well.

woman-writing-on-her-notebook-how-to-write-a-cover-letter

Common cover letter writing FAQs

How long should a cover letter be.

A cover letter should generally be concise and to the point. It is recommended to keep it to one page or less, focusing on the most relevant information that highlights your qualifications and fits the job requirements.

Should I include personal information in a cover letter?

While it's important to introduce yourself and provide your contact information, avoid including personal details such as your age, marital status, or unrelated hobbies. Instead, focus on presenting your professional qualifications and aligning them with the job requirements.

Can I use the same cover letter for multiple job applications?

While it may be tempting to reuse a cover letter, it is best to tailor each cover letter to the specific job you are applying for. This allows you to highlight why you are a good fit for that particular role and show genuine interest in the company.

Do I need to address my cover letter to a specific person?

Whenever possible, it is advisable to address your cover letter to a specific person, such as the hiring manager or recruiter. If the job posting does not provide this information, try to research and find the appropriate contact. If all else fails, you can use a generic salutation such as "Dear Hiring Manager."

Should I include references in my cover letter?

It is generally not necessary to include references in your cover letter. Save this information for when the employer explicitly requests it. Instead, focus on showcasing your qualifications and achievements that make you a strong candidate for the position.

It’s time to start writing your stand-out cover letter

The hardest part of writing is getting started. 

Hopefully, our tips gave you some jumping-off points and confidence . But if you’re really stuck, looking at cover letter examples and resume templates will help you decide where to get started. 

There are numerous sample cover letters available online. Just remember that you’re a unique, well-rounded person, and your cover letter should reflect that. Using our structure, you can tell your story while highlighting your passion for the role. 

Doing your research, including strong examples of your skills, and being courteous is how to write a strong cover letter. Take a breath , flex your fingers, and get typing. Before you know it, your job search will lead to a job interview.

If you want more personalized guidance, a specialized career coach can help review, edit, and guide you through creating a great cover letter that sticks.

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3 cover letter examples to help you catch a hiring manager’s attention

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What to Include in a Cover Letter for a Job

what should your cover letter contain

When writing a cover letter , specific information needs to be included: a contact section, a salutation, an introduction to the hiring manager, information on why you are qualified for the job, a closing, and your signature. The way the information is listed and the format depend on how you are sending your letter. 

The goal of your cover letter is to make a case for getting selected for a job interview, so it's important to include all required information along with a compelling argument for why you would be a  strong candidate for the position .

It can be time-consuming to write  a custom cover letter  for each job you apply for, but it's important to take the time and effort to show the company why you are a good match.

The more your experience and your skills match the job description, the higher your chances of getting picked for an interview.

Be sure to include information in your letter about how you possess the particular skills and requirements that the employer is seeking.

Don't simply repeat what's in your resume. Your resume lists your skills, but your cover letter should highlight how you have put those skills to use.

Before you start writing, review cover letter examples and make sure that your letter explains  how your skills relate to the criteria  listed in the job posting. Looking at examples of effective cover letters will give you a starting point for creating your own letter.

Here's what to include in a cover letter to send with a resume when you apply for a job.

What to List in a Cover Letter Contact Section

When writing a cover letter to mail or to upload to a job board or company website, the first section of your cover letter should include information on how the employer can contact you.

Printed or Uploaded Letter List the following information in the contact section:

Hiring Manager Name (if you have it) Title Company Address City, State Zip Code

Your Name Address City, State Zip

Email Cover Letter When you send an email cover letter , include your contact information in your signature instead of listing your contact information at the top of the message:

Your Name Street Address City, State Zip Code Email Phone LinkedIn

Here's more information, with examples, on how to address a cover letter .

Choose an Appropriate Salutation

It's important to include an appropriate greeting at the beginning of the cover letter or message. If you have a contact person for your letter, be sure to include their name in your letter.

Consider salutation examples that are appropriate for cover letters and other employment-related correspondence.

For example:

  • Dear Hiring Manager (if you don't have a contact person)
  • Dear Mr. Smith
  • Dear Ms. Jones
  • Dear Rory Dolan
  • Dear Dr. Milliard

Highlight Your Qualifications in the Body Section

The body is the most important part of a cover letter or an email message applying for employment.

The body of a cover letter includes the paragraphs where you explain why you are interested in and qualified for the posted job :

  • Why you are writing.
  • How you are qualified for the job.
  • Appreciation for being considered for the position.

Be specific by referencing the employer's job requirements as listed in the job posting in this part of your cover letter.

Include Keywords in Your Letter

Including keywords related to the jobs for which you are applying in your cover letters can help you get selected for a job interview. These are specific words hiring managers look for when considering applications.

As hiring processes have become automated, online applicant tracking systems are programmed to search for keywords.

Choose an Appropriate Closing

Make sure to close your letter  in a professional manner. Casual closings as you would write to a friend or a family member are not appropriate in a letter to a potential employer. 

  • Best regards
  • Respectfully
  • Thank you for your consideration

Add Your Signature to the Letter

What is included in a cover letter signature depends on whether you are sending or uploading a cover letter document or using an email message as your cover letter.

Hard copies of letters should be signed by hand. Scanning your signature to include on PDFs can be a nice touch, while emails should include a professional electronic signature that includes your contact information.

Review Cover Letter Examples

Here's an example of the final product, including information on why the applicant would be an excellent candidate with a summary of his qualifications for the job. 

Download the template for a cover letter here and also review more  cover letter samples  with free templates you can download to use as a starting point for your own letter.

John Bigham 111 Maple Street Anytown, MA 02222 555-555-5555

September 1, 2020

Shaun Lee Human Resources Goodspring 123 Business Rd. Business City, NY 54321

Dear Mr. Lee:

I am writing to state my interest in the position of Assistant to the Director of Goodspring. I believe that my work experience and education have equipped me with the skills necessary to be a successful candidate for this position. 

During my years with XYZ Wellness, I have been responsible for everything from accounting, bookkeeping, marketing and maintaining records to scheduling appointments and greeting clients and their families at the door. I have proudly overseen our growth from a startup business to a well-respected contributor to the community. 

I have also been in charge of organizing our very successful annual golf fundraiser and dinner. Last year, we raised $145,000 for our local homeless shelter. 

Your mission is an important one, and I would very much appreciate the opportunity to speak with you about how I can contribute to your team and help you continue to provide the services so vital to our community. Thank you for your consideration.

John Bigham  (signature hard copy letter)

John Bigham

When you're sending an email cover letter  (see below)  your contact information should be listed after your signature.

What to Include in an Email Cover Letter

The body of an email cover letter should contain the same information as a document cover letter, but two big differences are the subject line and your contact information.

Many employers ask that specific information is included in the subject line , and you must follow those instructions carefully. Contact information should be included with your electronic signature.

What Not to Include in a Cover Letter

There are some things that don't belong in a cover letter. Don't go overboard. Including too much information can hinder your chances of getting an interview.

Keep your letter concise and focused, and don't include extraneous details.

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How to write a cover letter.

A cover letter introduces you to an employer and asks them to think about your application. 

It’s a short letter, usually 3 to 5 paragraphs long.

When to include a cover letter

You should always include a cover letter when you apply for a job using a CV. 

You can write it as an email if you’re applying online or print a copy to go with a paper application.

When writing a cover letter, let the employer know you’re keen by showing that you’ve researched the company. Learn more about what they do through:

  • their website
  • recent news articles
  • talking to people you know who work there

Send it to the right person

It's important to try to address your cover letter to someone by name. Check you have the details of the person you need to send it to. 

You'll need their name and preferred title. For example, ‘Dr’, ‘Mr’, ‘Mrs’, ‘Ms’, and their job title. You should also make sure you have the right company name and address, including postcode.

If you do not know their name

If the job advert does not include a name you can check the company website. Try to find details of the head of the department, head of human resources or a recruitment manager.

If you still cannot find a name, you can start your letter with ‘Dear Sir or Madam’.

Introduction

Introduce yourself and explain how you found the advertised job. You can mention the job title, and reference number if there is one. 

If you’re asking about any job openings and not applying to a vacancy, tell them what sort of job you’re looking for. Let the employer see how keen you are to work for them.

Show you're right for the job

Highlight the skills and experience you have that match what the employer is looking for. 

Convince them that you're enthusiastic about working for them. Let them know you share their work values, culture and style.

Give extra information

If you have gaps in your employment history, you could talk about the skills you gained while you were out of work.

If you’ve mentioned on your CV that you have a disability, you might want to talk more about this in your cover letter. Organisations like Disability UK can give you advice on how to do this. You do not have to mention your disability at this stage if you prefer not to.

You can get more help with specialist advice on finding work if you have a disability.

Ending your cover letter

Thank the employer for considering your application. Let them know that they can get more details from your CV, and tell them you're looking forward to hearing from them.

Let them know how they can best contact you. Make sure your contact details are correct on both your cover letter and CV.

Yours sincerely or yours faithfully

If you know the name of the person you’re writing to, you should end the letter with ‘Yours sincerely’.

If you’ve addressed the letter ‘Dear Sir or Madam’, you should end the letter with ‘Yours faithfully’.

Tips for writing a cover letter

When writing your cover letter, remember to:

  • write a new one for every job you apply for and make sure it’s tailored to the company and the specific role
  • use the same font and size as you do for your CV, so it looks consistent
  • make sure the company name and recruiter’s details are correct
  • use the right language and tone: keep it professional and match the keywords used by the employer in their job advert
  • show you’ve done your research into the job and the company
  • highlight your most relevant skills and experience to stand out from other applicants
  • back up any statements you make with facts and use the STAR method
  • double check spelling and grammar before you send it
  • keep a copy of your cover letter as they may ask you about it in an interview

Related content

How to write a CV

Completing application forms

Interview tips

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Cover Letters 101: Should You Address Your Letter ‘To Whom It May Concern’?

Melanie Grafil, AI Editor

When applying for jobs, the way you start your cover letter sets the tone for a good first impression. Many applicants wonder if they should stick with the old “To Whom It May Concern.” This phrase has been around for ages, but times have changed, and so have the expectations in the job market. Here’s why “To Whom It May Concern” might not be the best idea anymore and offers some smart alternatives to help your application catch an employer’s eye.

See Also: 6 Genius Things All Wealthy People Do With Their Money

Key Takeaways

  • “To Whom It May Concern” might be considered outdated and overly impersonal in today’s job market.
  • Personalizing your cover letter by addressing it to a specific person shows initiative and attention to detail.
  • There are several strategies to find the appropriate contact person if the job listing doesn’t provide a name.
  • Alternatives to “To Whom It May Concern” can help make a positive impression on your potential employer.
  • Tailoring your approach can enhance your career prospects and contribute to long-term wealth by increasing your chances of securing well-suited positions.

How To Make a Good Impression Beyond ‘To Whom It May Concern’

The job application process is your opportunity to demonstrate your professionalism, attention to detail and communication skills. Starting off on the right foot can have a positive impact on your career trajectory and, by extension, your long-term financial success. Here are some tips and alternatives to “To Whom It May Concern” that can help you make a lasting impression:

1. Do Your Homework

Before addressing your cover letter, take the time to research the company and find out who the hiring manager or the head of the department is. LinkedIn and the company’s website are excellent resources for this. Addressing the letter directly to this person shows that you’ve made an effort to understand the company and its team.

2. Use a Specific Job Title

If you cannot find a specific name, addressing the letter to a job title or department can still personalize your approach. For example, “Dear Hiring Manager” or “Dear Human Resources Department” are preferable to the impersonal “To Whom It May Concern.”

3. Opt for a Warm Greeting

In cases where a direct name or title isn’t available, consider starting with a warm, yet professional greeting. “Dear Team at [Company Name]” can convey both respect and a personal touch.

4. When in Doubt, Ask

If the job listing provides a contact number or email for queries, don’t hesitate to reach out and ask for the name of the hiring manager. This not only provides you with the correct name but also demonstrates your proactive nature.

Alternatives to ‘To Whom It May Concern’

If “To Whom It May Concern” isn’t cutting it, try these more personal options. They show you’re paying attention and you care:

  • “Dear Hiring Manager,”
  • “Dear [Department] Team,”
  • “Dear [Company Name] Team,”
  • “Greetings,”

Adding a personal touch right from the start can make your cover letter shine. After you’ve picked your opening, don’t forget to personalize the rest of your letter too.

When ‘To Whom It May Concern’ Is the Right Choice

There are few situations in job applications where “To Whom It May Concern” might still fit. This can happen when you’re applying to a large organization where the hiring team is not specified and you’ve exhausted all resources trying to find a certain contact.

It can also be relevant when submitting general inquiries to a company’s career department without applying for a specific role. In these cases, “To Whom It May Concern” can act as a formal and respectful way to address your cover letter, showing that you’ve made an effort to be professional in the absence of those details.

Make Small Changes To See Big Results

Taking the time to personalize your cover letter is more than a mere formality; it’s an investment in your career. By showing that you care about the details and are genuinely interested in the position, you’re more likely to capture the attention of potential employers. This not only increases your chances of landing an interview but also positions you as a strong candidate in a competitive job market.

Choosing a different opening for your cover letter is a simple change that can have big rewards. It can help you stand out and show you’re serious about the job. This can lead to interviews and, eventually, job offers. Landing a job that matches your skills and goals can really boost your happiness at work and your financial security. Choosing to skip “To Whom It May Concern” could be a small step toward a bigger, better career .

Editor's note: This article was produced via automated technology and then fine-tuned and verified for accuracy by a member of GOBankingRates' editorial team.

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18 Things Everyone Forgets to Include in Their Will—But Shouldn’t

Posted: March 16, 2024 | Last updated: March 21, 2024

<p>Wills and estate plans are essential ways to ensure what will happen to your belongings and property when you die or are incapacitated. However, people often forget to include important information in their wills before it’s too late, complicating matters for their descendants. Here are the 18 common things people forget to include in their will.</p>

Wills and estate plans are essential ways to ensure what will happen to your belongings and property when you die or are incapacitated. However, people often forget to include important information in their wills before it’s too late, complicating matters for their descendants. Here are the 18 common things people forget to include in their will.

<p>The <a href="https://timesofindia.indiatimes.com/business/india-business/never-share-confidential-banking-info-observe-digital-hygiene-rbi-to-public/articleshow/90057782.cms">Times of India</a> says sharing your bank account details with anyone is risky and often unnecessary. There are plenty of ways to send and receive money that don’t require sharing sensitive information. Even if you trust the person wholeheartedly, they may accidentally pass the information on to others or keep an insecure record.</p>

Digital Assets

Porte Brown advises including instructions on accessing online bank and brokerage accounts, social media accounts, and blockchain assets. Password lists should be kept updated, and digital assets should be logged in an inventory. Designating an executor to handle a digital legacy is also an effective way to ensure benefactors can access it.

<p>It may be tempting to store documents and mail on the countertop, but they will be at risk of spills and stains and will make the surface look cluttered and disorganized. They are better stored in another room where they are less likely to be lost or damaged.</p>

Personal Sentiments and Letters

Writing personal letters for your loved ones to read after your passing is important. Ensure you leave instructions for distributing personal mementos, and consider the significance of each item or letter when choosing its recipient.

<p><span>Unsubscribe from any email subscriptions that no longer interest you. For example, </span><a href="https://getorganizedhq.com/24-things-to-declutter-in-2024/"><span>Get Organized HQ</span></a><span> says, “Whenever you buy something, you get automatically subscribed to the email lists.” Sometimes, we’re signed up for something without even knowing! This will significantly reduce any clutter in your inbox. </span></p>

Subscription Services and Memberships

Creating a list of all active subscriptions and memberships to be canceled or transferred is important. Include instructions on handling loyalty points or how to take advantage of accrued benefits, and designate beneficiaries for memberships with significant value or transferability.

<p>Houses should have a compelling online listing with high-quality photos and virtual tours that give prospective buyers a sense of the property. Social media platforms can also be used to increase the visibility of a property.</p>

Online Businesses

Nolo notes, “Writing a will is a good idea for anyone, but it’s especially important if you own your own business.” Leave instructions for its transfer in your will to avoid your business being subject to your state’s laws and your family paying for lawyer fees and extra court time.

<p>Couples who have different spending habits might find it hard to align their financial goals and find the topic of finances to be a constant source of conflict. These disagreements can lead to resentment and a breakdown in communication, undermining the relationship’s stability.</p>

Loans and Debts Owed to You

In your will, leave detailed information about loans you’ve made to others, including the repayment terms and instructions on whether to collect or forgive these debts. You can also designate who the loans and debts should go to.

<p>In the past, people had to know how to balance a checkbook to keep an eye on their finances. Nowadays, digital apps do all of the calculations for us. Gen Z does not need to spend time learning how to balance a checkbook in this day and age.</p>

Educational trusts are an excellent way of ensuring your children or grandchildren can access the funds needed for college. You can also leave funds for education in your will, with criteria for their use and instructions for their reallocation if they are not used.

<p>Death, grief, and loss are all sad but natural parts of life. In the West, dying is often seen as a<a href="https://www.mdpi.com/2226-471X/8/3/215#:~:text=In%20spite%20of%20the%20fact,human%20mortality%20and%20related%20matters."> taboo</a> topic, and it can be difficult to publicly display negative emotions and talk openly about these subjects. However, doing so is often the best way to heal and move forward.</p>

Funeral and Burial Wishes

It’s important to include detailed preferences for your funeral arrangements, including the location and type of service. Paying for funeral arrangements or burial plots in advance will prevent the check from landing on your family after you pass.

<p>So long as they have sufficient attention, mental stimulation, and exercise, Pit Bulls are surprisingly adaptable dogs that can thrive in almost any type of <a href="https://vrcpitbull.com/pit-bull-facts/">home</a>. They are happy living in apartments in busy cities or on acres of wild farmland, and they also cope well with changing circumstances like house moves and vacations.</p>

Pet Care Instructions

The Animal Legal Defense Fund recommends trusts over wills for animals because instructions for a pet’s care may not be legally enforceable in wills. They write that “it is relatively easy to set up a worry-free pet trust with the help of an estate planning attorney” to provide “an extra layer of security and additional protections.”

<p>Including specific instructions for organ donations or donating your body to science will allow your body to help others with health problems and educate those looking to enter the medical profession. Designate who should be notified of your wishes in your will to ensure your body goes to your institution of choice.</p>

Organ and Body Donation

Including specific instructions for organ donations or donating your body to science will allow your body to help others with health problems and educate those looking to enter the medical profession. Designate who should be notified of your wishes in your will to ensure your body goes to your institution of choice.

<p>In your will, leave instructions for the preservation or distribution of your personal archives, including journals, letters, and photos. You can designate beneficiaries for sentimental pieces or collections and include guidelines for their digitization.</p>

Personal Archives

In your will, leave instructions for the preservation or distribution of your personal archives, including journals, letters, and photos. You can designate beneficiaries for sentimental pieces or collections and include guidelines for their digitization.

<p>While leaving cherished heirlooms behind for your loved ones is a nice thought, there’s always the potential for family disputes over specific items. The emotional burden of sorting through heirlooms may also be too much. If you think this will be the case, consider selling the items and distributing the proceeds among your children instead.</p>

Family Heirlooms

Texas Trust Law notes that the “safe way to pass on family heirlooms is via a trust of will” and recommends asking “your estate planning attorney how to address personal heirlooms best.” In your will, you can leave detailed descriptions of the historical significance of family heirlooms and explain why they are being left to specific beneficiaries to stop arguments after you pass.

<p>Teaching used to be such a noble profession. But now, with the state of education, it’s hard to see it as a viable career choice, especially considering the pay. It’s heartbreaking because there are folks who love teaching and are great at it but just can’t make it work financially.</p><p><span>Facebook</span></p><p>Facebook was once the king of social media, a revolutionary platform. But it’s lost its charm, especially with Zuckerberg buying up potential competitors and then running them into the ground. It’s a case of a good thing gone bad, thanks to poor leadership.</p>

Social Media Legacy

Social media should be treated like physical belongings in your will, with instructions for your descendants on handling it. Decisions on whether to memorialize, deactivate, or delete social media posts can be planned out in advance of your passing.

<p>Sometimes, a fresh start is the best way to ensure everyone is heard and understood. This doesn’t mean that the meeting did not succeed, but rather that it can be done better. When having the do-over, try to prevent the mistakes that happened the first time so you don’t have to do it a third time.</p>

Business Partnership

To avoid your business partner having to liquidate your business partnership potentially for less than it’s worth due to the economic climate, leave detailed instructions in your will on how you wish the business to proceed when you pass. You could leave your half to your heirs, allowing them to become new associates, or sell their share to your business partner.

<p><a href="https://www.legalzoom.com/articles/who-will-inherit-your-intellectual-property">Legal Zoom</a> notes that “copyrights, patents, and trademarks live on after you die, and they can be an important source of income for your family.” In your will, ensure you specify heirs for intellectual property rights, including any copyrights, patents, and trademarks.</p>

Intellectual Property

Legal Zoom notes that “copyrights, patents, and trademarks live on after you die, and they can be an important source of income for your family.” In your will, ensure you specify heirs for intellectual property rights, including any copyrights, patents, and trademarks.

<p>Giving to a charity that an inheritor is interested in or has an emotional connection to can be a rewarding way to spend inherited money. Rock House Financial notes that giving to charity in a relative’s name can help to “maximize your tax savings, allowing you to give a larger gift or preserve the money for other goals.”</p>

Charitable Donations

It is meaningful and rewarding to give a portion of money in your will to a charity or cause you support. Include instructions for donations or setting up memorial funds to ensure your money reaches your charity of choice.

<p>Okay, imagine this: back in the day, we had these little black books, and no, I’m not talking about anything sketchy! We actually wrote down people’s phone numbers in them, believe it or not. It was like your personal contact list, way before smartphones came along. It had its own charm, like you were building your own little network of friends and family, one handwritten number at a time. Kinda miss that personal touch, you know?</p>

Unfinished Creative Works

Instructions for unfinished creative works should be left in your will. These works can be completed by others, published, or disposed of depending on your wishes, and you can designate the individuals responsible for making the ultimate decision on the works.

<p><a href="https://www.gaylakaustin.com/i-have-a-collection-how-should-i-include-it-in-my-estate-plan">Gayla K. Austin LLC</a> notes that collections can be valuable or have more sentimental value than monetary value, but that “regardless of its dollar value, if you have a collection, it should be included in your estate plan.” Leave instructions for the care, valuation, and distribution of your collection or guidelines for auctioning or selling it.</p>

Personal Collections

Gayla K. Austin LLC notes that collections can be valuable or have more sentimental value than monetary value, but that “regardless of its dollar value, if you have a collection, it should be included in your estate plan.” Leave instructions for the care, valuation, and distribution of your collection or guidelines for auctioning or selling it.

<p>In situations where evidence is crucial (like in custody battles or divorce hearings), keep a record of important conversations, agreements, or incidents, no matter how innocuous they seem. Having concrete proof of a narcissist’s lies, controlling behavior, or manipulative tactics can help solidify your stance in court.</p>

Messages and Advice

Letters, videos, and audio recordings can be useful ways of giving advice or messages to your descendants. These messages can help your descendants accept and begin to heal from your passing and celebrate your life.

<p>Religious beliefs and practices are often misunderstood, leading to common misconceptions. Some are just too general, others are downright out there. So, we’ll be correcting 17 widely circulated ‘facts’ about world religions.</p>

Read More: 17 Religious Facts People Get Wrong All the Time

Religious beliefs and practices are often misunderstood, leading to common misconceptions. Some are just too general, others are downright out there. So, we’ll be correcting 17 widely circulated ‘facts’ about world religions.

17 Religious Facts People Get Wrong All the Time

<p>As society evolves, so does our approach to spirituality. This article looks at the subtle yet profound shift from traditional religious adherence to a more personal, evidence-based belief system.</p><p><a href="https://www.lovedbycurls.com/lifestyle/why-people-arent-religious-anymore-15-simple-reasons/"><strong>Why People Aren’t Religious Anymore: 15 Simple Reasons</strong></a></p>

Why People Aren’t Religious Anymore: 15 Simple Reasons

As society evolves, so does our approach to spirituality. This article looks at the subtle yet profound shift from traditional religious adherence to a more personal, evidence-based belief system.

<p>When the woman informed the invasive man that the previous owner had moved on and the new owner did have a daughter (her!), he became argumentative.</p><p>Unperturbed, she chose to ignore his protests and continued her work, drowning out the sound of his shouting with the roar of her power tools.</p>

17 American Attractions That Not Even Americans Want to Visit

The United States of America—land of the free, home of the brave, and the location of some of the most ‘unique’ tourist attractions you’ll ever lay eyes on.

Get ready to chuckle, scratch your head, and maybe even facepalm as we look at 17 American attractions that not even Americans think are worth visiting.

<p><span>It’s easy to say hindsight is 20/20, but what advice would you </span><i><span>really</span></i><span> give your younger self? Here are 20 things that most people did when they were young that they regret today. </span></p>

20 Things We Did When We Were Young That We Regret Now

It’s easy to say hindsight is 20/20, but what advice would you really give your younger self? Here are 20 things that most people did when they were young that they regret today.

<p><span>The job market sure has its quirks. If you’re ever in need of a career change, maybe one of these will tickle your fancy or at least give you a hearty laugh. Remember, work doesn’t always have to be so serious!</span></p>

17 Things That Used to Be Highly Respected But Isn’t Anymore

Many things in the world used to be well-respected before turning into complete jokes for various reasons. An internet survey recently asked people, “What is something that was once highly respected but is now a complete joke?” Here are the top 20 answers:

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What the National Association of Realtors' settlement means for consumers and real estate brokers

A groundbreaking $418 million settlement announced Friday by the powerful National Association of Realtors is set to usher in the most sweeping reforms the American real estate market has seen in a century. It could dramatically drive down homebuyers’ costs — and push some real estate brokers out of business.

Here’s a look at how we got here and what to expect in the months ahead.

NAR already lost a big case

For decades, the NAR has required home sale listing brokers to provide an offer of compensation to a buyer’s agent up front. That usually comes out to about 6%, split between a seller’s broker and a buyer’s agent.

But that model has come under intensifying scrutiny from critics who have likened it to a cartel . Late last year, a jury in a Kansas City federal court found the longstanding practice to be a form of collusion that artificially inflated real estate fees, awarding a massive $1. 7 8 billion judgment against NAR .

What changes now for homebuyers and sellers

If the settlement announced Friday is approved by a federal court, the standard 6% commission goes away. Sellers would no longer have to make a compensation proposal to prospective buyers and their agents. Critics have said the encouraged brokers to push their clients toward more expensive properties.

Another new rule would see homebuyers having to sign an explicit deal with a broker before they start working with one — something experts say would lead many homebuyers to forgo using brokers entirely.

The new rules would kick in within months of approval, currently expected around mid-July.

What about the next few months?

Everyone involved in the market should expect “a certain amount of uncertainty for the coming months,” said Marty Green, principal at mortgage law firm Polunsky Beitel Green.

“The industry will be in transition as everyone digests the settlements and market forces begin working,” he predicted. “We will begin to see some creative buyer’s agent arrangements that may have been harder to get traction on before.”

Home buyers and their agents will need to decide on a commission and put it in writing. Sellers, likewise, will need to work carefully with their listing agents as the new rules come into effect.

U.S. consumers might save in the long run ...

The changes could mean buyers will save on commissions, eventually bringing U.S. fees more in line with the much lower transaction costs seen in other residential property markets around the world.

Some commissions could even be cut in half, Jaret Seiberg, housing policy analyst for TD Cowen Washington Research Group, told clients in a note Friday.

The new rules “should lead to commissions falling 25% to 50%, which we view as benefiting online real estate brokers,” Seiberg wrote, but he warned it’s too early to declare “the end of local real estate agents given their local expertise and reputation in neighborhoods. It is why we do not see this following the travel agency model in which online eclipsed local offices.”

... but buyers could face more confusion

Holden Lewis, a home and mortgage expert at NerdWallet, warned of a “potential negative trade-off”: “Buyer-seller negotiations will become more complex, and buyers with plenty of cash might navigate the process more easily than buyers who don’t have a lot of savings,” he said. Seiberg flagged a similar concern in his note, saying it could particularly affect first-time buyers with limited means to pay for an agent.

Brokers and agents have come out against the settlement, saying it will make the home-buying process more byzantine for consumers and discounts the important role agents play in helping them navigate it.

“I’m a full-service real estate agent, so when I go to list my client’s house, I align their goals with my goal, and that goal is selling for the highest amount possible,” said Roy Remick, a realtor based in Northern Virginia, who said he often pays thousands of dollars of his own for services like staging homes to aid the sale process.

“This is ultimately someone saying, ‘You guys make too much money,’ which I don’t think is right for someone to dictate,” he said.

Buyers’ agents will be left “flying blind” since they won’t know how much they’ll end up making from a given home, Remick warned. “We’ll have to make a bunch of phone calls, because now we don’t know what [the commission] is because we can’t see it in the MLS. But we’ve already got an agreement with buyer how much they’ll be able to compensate us.”

what should your cover letter contain

Christine Romans is the senior business correspondent at NBC News.

what should your cover letter contain

Rob Wile is a breaking business news reporter for NBC News Digital.

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What should be included in your Letter of Acceptance as an international student

what should your cover letter contain

Immigration, Refugees and Citizenship Canada (IRCC) has recently updated the guidelines for what they recommend Canadian Designated Learning Institutions (DLIs) include in an international student’s Letter of Acceptance (LOA).

Canadian international students can make sure their LOA is genuine and legitimate by ensuring that their LOA includes all the recommended information.

Alongside newly mandated provincial attestation letters (PALs), LOAs are a key part of the study permit application process for foreign nationals. This is because LOAs help IRCC “establish [that a student has legitimately received] acceptance to a course or program of study” offered by a DLI.

Discover your options to study in Canada

During a moment in time when Canada’s international student system is under immense pressure, LOAs are just one of many ways IRCC is working to maintain and reinforce the integrity of its program (more on these strategies below).

What IRCC recommends DLIs include in LOAs provided to international students

According to IRCC’s recent update, the department recommends that the following 17 items be included in the LOA provided by the DLI to an international student.

  • The full name, date of birth and mailing address of the student
  • The name of the institution and official contact
  • The DLI number of the institution
  • The telephone, fax, website and email information for the institution
  • The type of school or institution (for example, private or public)
  • The field or program of study, level and year of study into which the student was accepted
  • The estimated duration or date of completion of the course
  • The date on which the selected course of study begins
  • The last date on which a student may register for a selected course
  • The academic year of study that the student will be entering
  • Whether the course or program of study is full-time or part-time
  • The tuition fee
  • Scholarships and other financial aid (if applicable)
  • An expiry date indicating the date until which the LOA is valid
  • Any conditions related to the acceptance or registration (academic prerequisites, completion of a previous degree, proof of language competence, etc.)
  • Clear identification of the educational institution and/or licensing information for private institutions (where applicable, normally confirmed through its letterhead)
  • For study in Quebec, the requirement of a Quebec Acceptance Certificate (CAQ)

Note: The above information is a list of recommendations from IRCC to Canada’s DLIs. The exclusion of any of the above content does not necessarily mean your LOA is fraudulent/invalid.

IRCC’s new LOA verification process

To better protect international students from fraudulent actors, IRCC introduced a new LOA verification process on December 1, 2023.

Since the implementation of this new policy, DLIs across Canada have been under a mandate to manually confirm every LOA they receive with the department. Applicable to all LOAs submitted by international students outside of Canada, DLIs “now have up to 10 calendar days” to verify every LOA through IRCC’s online portal.

It is important to note that “only [the designated] representative(s) [of each DLI] will have access to” this portal.

More details on this verification process are available here .

Improvements to Canada’s international student system integrity

IRCC introduced a policy requiring “most new post-secondary international students at the college or undergraduate level [to] provide a [PAL] from a province or territory with their study permit application,” as of January 22, 2024.

Noting that the department will return any study permit application that is submitted without a PAL, unless an exemption applies, IRCC says that PALs “will serve as proof that the student has been accounted for under a provincial or territorial allocation within the national cap.”

Note: IRCC clarifies that provinces and territories across the country must establish a process for issuing PALs by March 31, 2024.

At the time of publishing, British Columbia is the only province that has released details regarding their PAL issuance process thus far. Check back with CIC News for details on other provinces when they become available.

Other steps Canada has recently taken to address concerns regarding international student program integrity include:

  • An intake cap on international student study permit applications for the next two years
  • An increased cost-of-living financial requirement for international students
  • The development of a new Trusted Institutions Framework
  • Changes to Post-Graduation Work Permit (PGWP) program eligibility criteria, including making certain students ineligible but also making Master’s graduates eligible for a three-year permit
  • Changes to Open Work Permit (OWP) eligibility criteria
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  1. The Best Cover Letter Writing Tips, Plus a Free Template

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  2. How to Format a Cover Letter (With Tips and Examples)

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  4. What To Include In A Cover Letter (With Examples)

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  5. How To Write A Cover Letter: Useful Tips, Phrases and Examples • 7ESL

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  6. Tips On Formatting An Effective Cover Letter (With Examples)

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  1. Your Cover Letter Needs This! #jobsearchtips

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  3. Are cover letters still a thing in 2023?

COMMENTS

  1. 7 Key Components of an Effective Cover Letter

    A great cover letter uses a logical progression of ideas to advertise your skills. There are seven sections that every cover letter should include to fit employer expectations and highlight your best qualities: 1. Header. All cover letters start with a header that includes your contact information.

  2. 20 Key Elements To Include In Your Cover Letter

    Cover letters should connect your character traits and practices to that of the company's core values and culture indicators, which makes it easier for companies to visualize a great fit. - Tiersa ...

  3. What to Include in a Cover Letter (& What to Leave Out)

    A great cover letter consists of the following components: 1. Your name and contact information in a header. The hiring manager needs to have your contact information. Without these details, they have no way of inviting you for an interview. The most eye-catching way of adding your contact information to your cover letter is by creating a large ...

  4. How To Write a Cover Letter (With Examples and Tips)

    Cover letter format. Your cover letter should be one page long and use a simple, professional font, such as Arial or Helvetica, 10 to 12 points in size. Your letter should be left-aligned with single spacing and one-inch margins. Jenn shares her advice on how and why to write a cover letter.

  5. What to Include in a Cover Letter (Examples for 2024)

    Here are the 7 things you should include in a cover letter: Cover Letter Header: add your contact information and contact details of the company. Salutation: tailor the cover letter greeting and use the hiring manager's name instead of the cliché " Dear Sir or Madam ".

  6. Glassdoor Guide: How to Write a Cover Letter

    The cover letter is a tool to help introduce yourself in a memorable, personal way during a job application. A well-crafted cover letter goes over information on your resume and expands this information for the reader, taking them on a guided journey of some of your greatest career and life achievements.. Its purpose is to elaborate on the information contained in your resume while infusing ...

  7. How to Write a Cover Letter in 2024 + Examples

    A cover letter goes in your job application alongside your resume Your introduction to the cover letter should grab the hiring manager's attention and keep it all the way until the conclusion There are 2 main topics you need to include in your cover letter: why you're the perfect candidate for the job & why you're passionate about working ...

  8. How to Format Your Cover Letter in 2023

    Papadopoulos suggests decreasing the header space first. Alignment: All your text should be left aligned and there's no need to indent every paragraph. Line spacing: Single space your cover letter (1.15 spacing works if it looks too cramped). Include an extra line between each section and paragraph.

  9. How to Write a Cover Letter For Any Job + Expert Tips

    Place your name, city, state, ZIP code, phone number and email address in your cover letter heading. Your email address should be professional like "[email protected]," and not personal like "[email protected]." Include links to your LinkedIn profile or professional online portfolio if you have one.

  10. How to Write a Great Cover Letter in 2024 (+ Examples)

    What 3 things should you include in a cover letter? A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include: 1. Personalization. Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find ...

  11. How to Write a Cover Letter for a Job in 2024

    Respectfully, Kind regards, Best regards, Yours truly, Then, make two spaces below the salutation, and type your full name. For some professional (but optional) flair, sign your cover letter either with a scan of your signature or by using software like DocuSign. 8. Check your cover letter's content and formatting.

  12. How To Format a Cover Letter (With Outline and Examples)

    If you're providing a hard copy of your cover letter, handwrite your signature and also include your full typed name. Download Cover Letter Outline Template. To upload the template into Google Docs, go to File > Open > and select the correct downloaded file. Related: Creating the Perfect Cover Letter (With Template and Example)

  13. How to write the perfect cover letter (With examples)

    1. Begin by introducing yourself. To start your cover letter, introduce yourself. This means including your full name, your specific interest in the position and the reasons you've chosen to apply. If you got a referral to the job from another party, ensure to mention this in the first paragraph. 2.

  14. What to Include in a Cover Letter for a Job

    Updated on July 15, 2021. When writing a cover letter , specific information needs to be included: a contact section, a salutation, an introduction to the hiring manager, information on why you are qualified for the job, a closing, and your signature. The way the information is listed and the format depend on how you are sending your letter.

  15. What to Include in a Cover Letter for a Job [15+ Examples]

    Put the following elements in your job-winning cover letter: 1. Add a Contact Section. Every cover letter needs to include contact information. This is how it should look in a standalone cover letter that you print out or upload/attach to a job application. Two important points to remember:

  16. An in-depth guide to optimizing your resume and cover letter

    A cover letter adds a personal touch to your application (opens in a new tab or window), and allows you to introduce yourself to the employer in a more personable way, rather than only relying on your resume. A cover letter also enables you to express your enthusiasm for the role and the company, showing recruiters you are genuinely interested.

  17. Content of Cover Letter: How To Write and What To Include

    The beginning of a cover letter typically includes your key contact details, including your name, contact number and email address. You can include a link to any professional networking site or an online portfolio, depending on your job role and industry. Your cover letter also typically includes the date of the letter, followed by the ...

  18. How to write a cover letter in 5 steps

    2. Use an appropriate greeting. If you know the name of the hiring manager for this job, begin your cover letter by addressing them directly (Example: Dear Jane). When writing your CV, it's important to avoid weak and passive verbs, stay away from business jargon or clichés, and watch out for tired words and phrases.

  19. Cover Letter Headings: How To & Examples

    Your cover letter heading should always include your: Full name. Location: No need to include a street address. City and state alone usually does the trick nowadays. If you're applying from out of the area (and it's an in-person role or remote job that requires you to be in specific states, for example) you might add "Relocating to:" or ...

  20. What Is a Cover Letter? (And What To Include in One)

    A cover letter is a short introduction to you that concisely communicates your interest in a job opportunity along with your top skills and relevant experience. It's important to customize your cover letter for each role to demonstrate that you've researched the organization's mission and values.—. Genevieve Northup, MBA, SHRM-CP, HCI-SPTD.

  21. Cover letters

    When to include a cover letter. You should always include a cover letter when you apply for a job using a CV. You can write it as an email if you're applying online or print a copy to go with a paper application. Research. When writing a cover letter, let the employer know you're keen by showing that you've researched the company. Learn ...

  22. When Should You Include a Cover Letter? (With Tips)

    When submitting a digital cover letter, it's unnecessary to include your recipient's contact information. Salutation: Start your cover letter with a professional greeting, such as "Dear," followed by the recipient's name. If their name is unavailable, you can address them as "Dear Hiring Manager" or by their specific job title.

  23. What to Include in a Financial Advisor Cover Letter

    You should note that a cover letter may be the first thing that an employer sees from you. And many employers consider cover letters an important part of the job search process.

  24. Cover Letters 101: Should You Address Your Letter 'To Whom It May

    When applying for jobs, the way you start your cover letter sets the tone for a good first impression. Many applicants wonder if they should stick with the old "To Whom It May Concern." This phrase has been around for ages, but times have changed, and so have the expectations in the job market. Here's why "To Whom It May Concern" might not be the best idea anymore and offers some smart ...

  25. Cover Letter 101: Everything You Need To Know

    You should include one to two small body paragraphs to expand on your previous experiences and how they could benefit an employer. Here is an example of one cover letter body paragraph: "I worked as a marketing coordinator for a large retail corporation for three years. There, I learned about email marketing campaigns and how to structure images with copy and subject lines to encourage ...

  26. 18 Things Everyone Forgets to Include in Their Will—But Shouldn't

    Writing personal letters for your loved ones to read after your passing is important. Ensure you leave instructions for distributing personal mementos, and consider the significance of each item ...

  27. What the National Association of Realtors' settlement means

    New rules could start saving home buyers and sellers thousands of dollars in lower commissions as soon as this summer, but experts say it will take the market some time to digest the changes.

  28. What should be included in your Letter of Acceptance as an

    Immigration, Refugees and Citizenship Canada (IRCC) has recently updated the guidelines for what they recommend Canadian Designated Learning Institutions (DLIs) include in an international student's Letter of Acceptance (LOA). Canadian international students can make sure their LOA is genuine and legitimate by ensuring that their LOA includes all the recommended information. Alongside newly ...

  29. 15 Cover Letter Mistakes and How to Avoid Them

    Things to avoid when writing a cover letter. Here are 15 things to avoid when writing a cover letter with tips and suggestions of what you can do instead: Not following instructions. Using the wrong format. Discussing why you are looking for a new position. Using the same cover letter for every application.

  30. 2024-25 FAFSA Student Aid Index Update and Timeline (Updated March 14

    The Department will continue to assist our external partners through webinars, resources, and updates on the Knowledge Center.We also welcome our partners to continue to submit questions related to the 2024-25 FAFSA launch using the Contact Customer Support form in FSA's Partner Connect Help Center. To submit a question, please enter your name, email address, topic, and question.