Students Of Success

A cover letter can be the ultimate compliment to your resume. With an effective and well-written letter, you can impress future employers with details that cannot always be found in the resume. Also, a cover letter may just be the reason your resume is even read. Employers are likely to ignore resumes that are unaccompanied. A cover letter makes it stand out.

However, for a cover letter to work, it must follow certain rules and meet certain standards. Below, you will find tips to help you meet those standards. By following these suggestions, you can perfect the necessary art of writing a cover letter.

1. Take Your Time

A cover letter is essential to your job seeking process; however, many overlook it or, worse, devote all of the energy to their resume and then throw together the cover letter as an afterthought. This is not wise: Employers read the cover letter first. Do you want their first impression of you to be a messy and obviously strewn-together letter? Of course, not! You want it to be professional; so, take your time. Allow equal proportions of time to be spent on both the resume and cover letter; they are both important and deserve equal attention.

2. Be Concise

Potential employers want to read your cover letter; they do not, however, want to read a novel. You must keep your letter simple and to the pointwithin a one-page limit, you have little room to maneuver. Use your space wisely. Offer important and necessary details, things that cannot be found in the resume. You have to make an impression in a short amount of time so make it count. Brevity is best.

3. Find Your Style

Cover letters allow you to reveal your personality in a way that resumes cannot. While a resume is impersonal and factual, a cover letter can be laced with humor and style. When you write your letter, find a friendly, yet still-professional tone. Make the reader want to meet you. A cover letter is a first impression; make it an enticing one.

4. The Name Game

When possible, address your letter to the person who will be interviewing you. This will accomplish two things: 1. Give a sense of familiarity between you and the reader. 2. Show that you did your research on the company. Still, remember to keep it professional. Do not address the reader as “Sarah”; call her “Ms. Smith”. If it is not possible to determine who will be interviewing you, keep your titles more generic.

5. Turn The Focus On Them

Do not start all of your sentences with “I” or “My”. This creates a self-focused letter. Instead, try to begin your sentences with “You” or “Your”; this allows the employer to see that you are wanting to work for them, not yourself. With a little research to discover what the company is seeking for that position, you can focus on the needs of your employer. Explain what you can do for them; don’t ask what they can offer you.

6. Originality Counts

Show employers that you can step out of typical boundaries and create your own ideas. Try to keep away from standard formatting and see what best suits you. Include details that, while perhaps not always included in the usual letter, can showcase your strengths.

7. Proofread

The final step in writing a cover letter is to read and reread. Check for spelling errors and grammatical mistakes. While writing a cover letter gives you an advantage over those who do not, a poorly written one will make you seem worse by comparison.

These 7 steps may seem obvious, but many people ignore them; put yourself ahead of the competition. Follow these suggestions and create the perfect cover letter.

Robert Moment is an author, business coach, and success strategist. He has successfully consulted with and advised hundreds of job seekers. His most recent e-book, “What Matters Most is Employment” (http://www.jobsearchrx.com) is a concise guide, packed with information and tips on finding and getting career-advancing employment in today’s job market.

About The Author

Robert Moment is an author, business coach, and success strategist. He has successfully consulted with and advised hundreds of job seekers. His most recent e-book, “What Matters Most is Employment” (www.jobsearchrx.com) is a concise guide, packed with information and tips on finding and getting career-advancing employment in today’s job market.

robert@jobsearchrx.com

Bad credit loans are in high demand. And if you do any research on “bad credit loan”, you’ll find plenty of advice on how to get the lowest interest rate. You’ll also find plenty of people willing to give you a bad credit loan, but you’d be making a mistake to accept it.

Unfortunately, most of what you’ll find approaches the problem from the wrong direction. The way to get the VERY best interest rate on a bad credit loan is usually overlooked or concealed altogether.

But before we continue, let’s digress briefly and look at how significantly the higher rate for a bad credit loan affects the borrower.

Let’s say you want to buy a house, but have bad credit. No matter how diligently you shop for a lender, you’re still be charged a higher interest rate for a bad credit loan than if you had good credit.

With good credit, you might get a mortgage loan at 6% interest. But a bad credit loan will cost you closer to 12%. Assuming you get a $100,000 mortgage over 30 years, the difference you’d pay in interest amounts to a monstrous $154,461.60 MORE because you have bad credit. That’s over 1 times the loan itself!

Now getting back to our original problem, how can you get a better interest rate for a bad credit loan? The answer is probably not what you were expecting.

The solution is to “think outside the box.” The way to get a bad credit loan with the best interest rate is to NOT get one! Instead, spend a couple of months fixing your bad credit, and then look for a “good credit loan” instead.

This answer probably comes as something of a shock to you. More than likely, several objections to this approach will come to mind.

1. “I need a loan NOW” or “It’s not worth my while to wait until I repair my credit.”

Oh really? Well, is it worth a savings of $150,000 or more? Granted you may not be looking for a $100,000 loan. But even if you want to borrow only $10,000 or so, the better rates you’ll enjoy with good credit will still save you several thousand dollars.

2. “Fixing my credit will take too long, or it just isn’t possible.”

It’s often possible to make very a significant improvement in your credit rating in just a few months, and in some cases as little as 30 days.

3. “I don’t know how to repair my credit and can’t afford to hire a credit repair agency”

For a fraction of the cost of a professional agency, you can purchase a good book on credit repair that will walk you through the whole process.

4. “Do-it-yourself credit repair is too difficult” or “I don’t think I can repair my own credit”

Don’t be intimidated by the idea of fixing your own credit. If you can write a few letters, address, stamp, and mail them you can repair your own credit.

Your decision comes down to this; you have two choices.

1. You can spend some time (maybe a LOT of time) shopping for a bad credit loan with the lowest possible rate, and still end up paying thousands (even tens of thousands) more in interest.

2. You can spend some time fixing your credit and spend those thousands on your family’s needs, instead of paying them to your lender.

Do you really think your lender needs your hard earned money more than you and your family need it? Anybody can work on fixing their own credit. That’s right, anybody!

Get a good book on credit repair and get started TODAY!

(c) 2005 eBusiness Power

Jim Eastman is the support contact for www.ErasingBadCredit.com. People wanting to repair

their credit rather than pay thousands too much for a bad

credit loan, can visit the site and sign up for a free mini-coures on credit repair.