A popular adage goes, "Don't judge a book by its cover." An even more popular adage goes, "Don't judge a candidate by their cover letter." Just kidding. That's not popular, that's not an adage, and it's not even correct. Your cover letter will be your first impression to your potential employer, and of course they will judge you for it. So make sure it's phenomenal. Here's how.

1. Nix, "To Whom it May Concern"

"To Whom it May Concern" might just be the 5 most uninspired words in the American-English lexicon. Your cover letter "may" not even concern anyone if it opens with this tired and lazy salutation. Instead, find out an actual living, breathing human being to which to address your cover letter. With a few seconds of research, you can likely come up with a name of someone in the department to which you're applying. Someone who may very well be concerned.

And according to Vicki Salemi at U.S. News, it's best to start at the top: "If you're pursuing a job in human resources and the company clearly lists the name of the chief HR executive in charge, go ahead and address the letter to that person. Will the executive be the first person to open the cover letter in the applicant tracking system? Not exactly. Will it look like you did your homework? You bet."

2. Show off that you know about the company.

Having a generic cover letter that you can send out to the masses is a good place to start, but you should never send out a generic cover letter before you spice it up with company-specific details. The HR department doesn't care that you are qualified for "a" job in your field, but that you are qualified for "the" job that they are seeking. Research about the company, and present to them why you want to work there. Also, make sure it's the right company. We can't tell you how many times we've seen cover letters that are addressed to people in a completely different company. That's embarrassing, and a surefire way to get it thrown in physical (or metaphorical) trash. Make sure that you cater your skills to appeal to those mentioned in the job description. Be relevant, and only include information that can benefit your eligibility for this job.

3. Don't rehash your résumé.

Get right to the point. No one cares to read what they can already find out from your résumé. Your cover letter is an opportunity to show your human voice, so show your diligent personality without going overboard. Focus on skills, communications, and relationships you've built in your professional life. Tell a story. Give your potential employers the relevant context that explains why you would be the ideal candidate at this point in time. Be brief, yet substantial.

4. Use power words.

Instead of using words such as "organized" and "hard-working," like any good employer would already expect you to be, according to career experts, words that stand out appeal to the emotions. Talk about your enthusiasm, passion, and listening skills. Talk about your admiration for such-and-such and how you inspired so-and-so. Use strong verbs such as "achieved" and "led," or "negotiated" and "generated." These are positive words that mean more than just you did stuff and were responsible.

Also, make sure you use the active voice ("I generated leads for the world famous Walrus Expo in Alaska") instead of passive voice ("Leads were generated by me and my team for the world famous Walrus Expo in Alaska."). It's a way to keep things concise.

5. Cut it out with the adverbs.

"I was enormously instrumental in my team's success." Eye roll. Cut out the extra words, and you'll be able to shine that much brighter. The words are getting in your way, and are often a cover-up for not knowing exactly what you want to say. Instead of more words, choose better words, and you won't find the need to make up for it.

6. Turn your experiences into skills.

When you're reading your cover letter back to yourself, see if all of your skills can translate into the domain in which you are applying. Think outside of the dodecahedron. Even your time spent vacationing in Bali can translate into skills. That vacation shows that you're able to appreciate different cultures and practices, for example. Every skill you have can be interpreted through a corporate lens.

7. Have impeccable grammar.

The only way for you to catch all of your mistakes is to print out your cover letter (yes, print it) and read it aloud to yourself or others. And while you're at it, send it around to a bunch of people to proofread it. Even a small typo is enough to get you on some employers' naughty lists. Take the extra precaution.

You're on your way to landing that job, if you keep these cover letter tips in mind. Go get 'em!

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As the years go by, you'll likely need to make some large purchases here and there. Plan for these major life purchases by identifying them and saving early.

While it's possible to be frugal with many aspects of your lifestyle, there are certain events and possessions that will require you to spend a substantial amount of money. Thus, a wise course of action is to begin saving well ahead of time while thinking about your goals for the future. This way, you'll be able to maintain a stable financial state even when faced with those large expenses. The following are a few major life purchases that you should plan for.

A Wedding

Marriage is a joyous occasion that many people look forward to. However, a wedding can be quite expensive, often costing thousands of dollars. Your family and your future spouse's family will often contribute to covering this, but you should still prepare to spend a good deal of your own money on the ceremony. If you're in a serious relationship and are considering marriage, you should plan where the funds for the wedding will come from and take the necessary actions to accumulate them. It's also crucial to discuss financial matters with your partner, since your property will merge once you get married.

A New Car

Automobiles remain one of the top modes of transportation. As a result, you may want to purchase a new car at some point in your life. Although you may be fine with an old or used vehicle at present, you may one day be motivated by a desire to acquire something nice for yourself or by the practical needs that arise as you raise children. Whatever the case, obtaining a new car is a major life purchase that you should plan for.

In addition to setting aside funds to eventually put towards a vehicle, you should also aim to build you credit score. This is because your credit score will determine your available car loan options. The higher your credit score, the more you may be able to lower your interest rates on your car.

A House

Owning your own residential property is a worthy objective that you may hope to make a reality one day. Ideally, you should save about 20 percent of the total cost of a house before you buy it. This will allow you to make a larger down payment and thereafter face less interest on your mortgage.

As with acquiring a car, the mortgage options that you'll have can change based on how strong your credit score is. You'll want to increase your score as much as possible in the years leading up to buying a house so that you can get more favorable interest rates. In addition to contemplating down payments and mortgages, you must also remember that you'll need to deal with property taxes, insurance, maintenance and repair fees, and sometimes homeowners' association charges.

It's also necessary to hire a real estate agent to help you with the buying process. There are different types of real estate professionals. You should know how to distinguish between buyer's agents and seller's agents so that you can obtain favorable prices on homes as well.

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When you are newly hitched and learning how to combine your essential legal and financial information as well as your accounts, it can be confusing.

Many people live together before getting married and have begun the process of combining accounts and sharing responsibilities. However, some people wait to do this only after marriage, and others wait until they're married to live together. Whichever path you've chosen, it's still crucial to know a few tips to manage money together as newlyweds to determine where you should begin and how you can remain on the same page.

Discussing Money Motivations

As we begin to share money with our significant other, we soon find out what one person may rank as a priority regarding money and the other may not. As such, sitting down and discussing money motivations is important. Two people who cannot agree on how to handle money may cause serious issues. This should include:

  • How to deal with money following payday. Is a percentage put into savings? Is that the day to splurge on dinner, drinks, and more?
  • The frequency and size of payments made to debts. Some people like to pay minimums, whereas others pay in full or make double payments.
  • What do you each consider money well spent? Is it a new 70" 4K television? Is it an investment? Is it paying as much debt off as possible?
  • How do you go about consulting each other before making purchases over a certain amount?

Establishing Financial Goals

After you evaluate the motivations behind your money and how it should be spent, you'll need to spend time together hashing out financial goals. As newlyweds, there are certain things on your list that you're going to want to save for. How do you go about that? How much of each paycheck will you dedicate to a particular fund?

Some things in the future worth making a financial plan for include savings and paying down debts. This is the time to be honest about your current financial standing. If you're looking to buy a home, you'll want to assemble a first-time homeowner financial checklist to begin to develop topics of conversation. Some of the things to consider setting goals for are:

  • Student loans
  • Car loans
  • Future children
  • A house
  • Medical bills
  • Delinquencies on credit reports
  • Vacation and rainy-day funds
  • Emergency funds

Budgeting Together

The more honest and open you can be with each other about the money you have and now the debts you share, the better. Implementing plans for the best ways to have the things that you both desire while still taking care of existing demands is important. These can be uncomfortable things to talk about; however, these conversations are necessary.

Following these tips to manage money together as newlyweds will allow you to have a starting point for conversations that can be tough to start. The sooner you and your partner get on the same page with finances and the responsibilities that come with them, the easier the transition will be and the sooner you'll find success.

It's the dream: money you can count on to keep rolling in, even while you sleep.

Passive income isn't entirely passive, of course. You'll put in work up-front to get the profits rolling, so don't relax in your recliner just yet. But with so many potential sources of passive income available to you, picking one or several will mean that the day you can finally kick back will draw steadily closer.

Rental Properties

Real estate is a tried-and-true wealth builder for a simple reason: people will always need somewhere to live. Research the market in a growing community until you know a good deal when you see it. You can maximize rent by fixing up a deteriorating property or upgrading a mediocre one. The key is to hire a property manager to do all the day-to-day landlord duties for you—and you'll need a good one. Smart investors put their profits in another property and repeat the process until they have a diverse portfolio.

A YouTube Channel

You can start a blog if you're more comfortable hiding behind a computer, but consumers are more likely to prefer video content. Post a series of “how-to" videos to answer questions about whatever you're an expert in.

You can put up any content you want, but if you don't want to commit to regularly updating it, focus on “evergreen" topics that will draw clicks for eternity. Ads will create your income, especially if your channel grows in popularity. Better yet, sign up for affiliate marketing. If you recommend a product and provide a link to buy it, you'll get a small percentage of those transactions.

Auto Advertising

If you don't mind vinyl-wrapping your car with an ad for a company, you can get cash just driving around and running your errands. Make sure you contact a reputable company that doesn't ask for any money from you; if they're the real deal, they'll evaluate your car, your driving habits, your area, and more. Bonus: the brighter the ad, the easier it'll be to find your vehicle in the parking lot.

Digital Products

What's something that people will pay for but doesn't require shipping on your part? Finding that item is what can supplement your income indefinitely. Write an e-book, charge for your cross-stitching patterns, design prints that people can digitally download, invent an app, record a “masterclass," or whatever else you want. Every time someone new discovers it, the cash register rings. With a little more effort, this is a potential source of passive income for you that can continue to grow. Once you build up a customer base, they might want more products. The good part is that it's up to you whether you wish to give it to them.