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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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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