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What Is a Cover Letter?

Understanding cover letters, types of cover letters, how to write a cover letter, tips for writing a cover letter.

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What Is a Cover Letter? Types and How To Write One

A cover letter is a written document commonly submitted with a job application outlining the applicant's credentials and interest in the open position. Since a cover letter is often one of only two documents sent to a potential employer, a well- or poorly-written letter can impact whether the applicant is called for an interview .

Key Takeaways

• A cover letter is commonly submitted with a job application explaining the applicant's credentials and interest in the position.
• A good cover letter complements the resume and explains why the candidate is the ideal person for the job.
• Common cover letter mistakes can sink a job applicant.

Investopedia / Joules Garcia

Most job postings are done online and no longer require a physical application. Instead, applicants send companies a copy of their resume along with a cover letter either by email or with a hard copy through the mail. A resume offers a glimpse into the professional and academic experience of a potential employee. The cover letter, on the other hand, acts as an introduction written by the candidate to express their interest in the position and what makes them the best fit for the job.

A good cover letter complements a resume by expanding on items relevant to the job. In essence, it's a sales pitch that describes why the applicant is the best person for the position. Career experts advise job seekers to spend time customizing each cover letter for the particular position, rather than using a generic missive. Although this requires extra effort, it can be very helpful in allowing an applicant to stand out above the competition.

The cover letter provides information to the employer about who the candidate is as a professional and as a person. This includes their areas of interest, professional goals, knowledge, skills they've gained over the years, achievements, passions, and aspirations. The cover letter should be a one-page document that provides a clear and concise idea about why the candidate is the best person for the job . It should also highlight the cultural fit.

While there is no set template for a cover letter, the type of letter that you write will depend on the requirements of each individual company or employer. The information that is included in a cover letter will vary depending on the goals and purpose of your application.

• An application cover letter is the most familiar type of cover letter. This is generally written in response to a vacancy that is posted on a company's website or a job board. In addition to answering any specific questions posted in the job ad, it may also highlight any experience or skills that are suitable for the position.
• A referral cover letter is similar to an application letter, but it includes the name of a colleague or employee who recommended the applicant for the open position. A strong referral can help you stand out against other applicants.
• A prospecting cover letter , also known as a letter of interest, is written by a job seeker and addressed to a company where they would like to work. However, it is not aimed at a specific role or vacancy. Instead, this type of letter inquires about open positions in general and may highlight any special skills that make the writer suitable for the company.

When employers post a job ad that requires a cover letter, they may specify certain requirements for the cover letter to address. For example, they may require applicants to answer certain questions, or to respect a certain word limit. It is important to follow these requirements, as they reflect on the applicant's ability to understand and follow directions.

If the employer does not set any expectations, a typical cover letter should be about a page or less, and may include a formal greeting, contact information, and links to the applicant's portfolio or work. It should highlight any special skills, and explain why you would be a good fit for the position. This is your chance to impress the employer: Even if your resume does not have everything an employer wants, a well-written cover letter can make the applicant stand out from the crowd.

However, it is possible to include too much information. Most employers will simply glance at the majority of their cover letters, and a long-winded essay might end up at the bottom of the pile. A few short paragraphs explaining your skills, and why you chose that specific employer, should be enough to put your best foot forward.

Writing a cover letter doesn't have to be tedious—even though it may seem like it's a chore. Here are a few simple tips you may want to consider when composing your cover letter:

• Personalize your letter for each role. Never use a generic cover letter. This means you have to write a new one for each position. Be sure to include your strengths and skills, and explain why you’re the perfect candidate.
• Include contact information. If the posting doesn't include the hiring manager's name, call the company , or check its website. Including this person's name gives your letter a proper greeting and also shows you have initiative. And don't forget to add your contact information, too. This is important if your resume gets separated from your cover letter.
• Simplify your letter. Communicate clearly and concisely. Using complex words and sentences would most certainly fail to convey your intentions with the company and the person reading the letter probably won't bother with the rest of your application.
• Be specific when needed. Don't rehash your resume, so be sure to quantify your accomplishments. For instance, expand on your marketing experience in your cover letter by saying you brought in 200 additional clients each month and increased revenue to $10,000. This can set you apart from candidates with vague personal details.
• Proofread. After you’ve written the letter, go over it a few times to ensure there are no errors. Then ask someone else to do a once-over and recommend any changes you may need to make.

A simple, focused cover letter without any typos or grammatical errors will get you noticed by potential employers.

A perfect resume can often be sabotaged by a poorly thought-out cover letter or one that is laden with mistakes. Whether you include the letter as per required submission guidelines, or you simply want to emphasize your interest in the job, make sure you avoid making these blunders.

• Names matter. This includes the name of the hiring manager, the company, and yes, even yours. Make sure you have the right names and the correct spelling. And don't forget to change the names if you're using the same cover letter for multiple jobs.
• Restating your resume. Since the cover letter is used to identify your skills and explain how your previous experience is applicable to the desired position, don't restate the stuff on your resume. Remember, the cover letter should complement your resume, not just summarize it.
• Keep your letter tight. Recruiters often go through hundreds of applications and don't have time to read through a three-page missive. The absolute maximum length for a cover letter should be one page, with a few concise paragraphs.
• Omit unnecessary details. Stay on topic. There's no need to mention your graphic-design skills if you're applying for an accounting position. It's a good idea to leave out personal things like your IQ, recreational accomplishments, interests, and hobbies. That is unless they relate to the job or company.
• Avoid sounding arrogant. Ensure your cover letter does not make you appear arrogant . While the cover letter is about you and your accomplishments, find a way of saying "I'm the best" without actually saying it. Avoid overusing words like "I," "me," or "my."
• Remember that spelling counts. Typos and grammatical errors can show you didn't bother to proofread your own letter. And make sure to be consistent—don't convey a dash with "--" in one place and "—" in another.
• Design matters : with the proliferation of publishing, design trends, and software, candidates have become creative in making their cover letter stand out from a design perspective. Make sure your cover letter projects your personality in terms of design while remaining professional. That is personal signature and branding.

How Long Should a Cover Letter Be?

According to Indeed , a leading job-seeking site, a typical cover letter should be about three or four paragraphs long and highlight any special experience or achievements that make the applicant exceptionally well-suited to the position.

How Do You Start a Cover Letter?

A cover letter should start with a formal greeting, preferably addressed to the hiring manager. If you do not know who will be reading your cover letter, a generic "to whom it may concern" is an acceptable, albeit old-fashioned, way to address a cover letter. It is also acceptable to address the letter to a title, such as "Dear Hiring Manager," or "Dear Talent Acquisition Team."

What Should a Cover Letter Contain?

An effective cover letter should highlight the applicant's skills, experience, and any achievements that make them a good fit for their prospective employer. It is also a good chance to mention anything that is not included in the resume: For example, if an applicant is drawn to a certain employer because they love a certain product, the cover letter is a great place to mention it. Make sure your cover letter also includes your name and contact information.

In a competitive jobs market, an effective cover letter is one way to make a job application stand out. This is a chance for an applicant to demonstrate why they think they would be a good fit. However, a poorly-written or meandering cover letter can hurt an application more than it helps.

Harvard Extension School. " Resources and Cover Letters: An Extension School Resource ," Pages 3 and 5.

Harvard Extension School. " Resources and Cover Letters: An Extension School Resource ," Page 5.

Jobscan. " Cover Letter Formats ."

Indeed. " What Is a Cover Letter? "

Indeed. " How to Address a Cover Letter (With Examples). "

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What is a Cover Letter? Definition, Structure, Purpose, Types & Meaning

What is a cover letter?

What is the purpose of a cover letter in a job application, what to include in a cover letter, cover letter format and layout, should you use a cover letter template or example, what is a cover letter - takeaways.

Asking yourself, “What is a cover letter?”

In this article, we break down for you the basics about cover letters, their purpose, and what to include in yours.

When you’re applying for a job, a cover letter is just as important as your resume in a lot of ways.  You always want to include a cover letter when you’re submitting your resume, to personalize the facts about your work history and to tailor your application to the job.

But if you haven’t written a cover letter before, it can be intimidating to figure out what to include. Don’t worry, this expert guide boils it all down into a quick read that gives you an overview and points you in the right direction to find everything you need to know about them.

In this post, we’re going to cover:

• What is a Cover Letter?
• What is the Purpose of a Cover Letter in a Job Application?
• What to Include in A Cover Letter

We also describe how you can lay out your cover letter to amp its impact, and we’ve even made it dead simple for you by including some perfect cover letter examples for you to check out.

A cover letter is a one-page document that you include with your resume as part of your application for a job. A good cover letter grabs a Hiring Manager’s attention and gets you to the next step of the hiring process.

While every job you apply for will have either a specific application form or will ask for a resume, not every one will ask for a cover letter.  But you should always include one – it’s a game changer.

The upshot is that a resume is a summary of your work and education experience, while your cover letter adds relevant context to that experience for the specific job.

A cover letter is tailored to a specific job you’re applying for, and it highlights what your qualifications are and how they relate to that role and company. You can use it to give examples of how your experiences relate to the role and show how you’re the best person for the job.

Just as its name implies, a cover letter is written in a letter format, including a greeting, three or four body paragraphs, and a closing. Unlike a resume, your cover letter should be written in full sentences, and you want to use the first-person – “I’m writing to you today to…”.

You don’t want to just rhyme off the same things that are in your resume, though.  Use your cover letter to give real life examples of how your experience, skills, or interests make you perfect for the job.

Head to our full article on the differences between a resume and a cover letter to learn more on this.

Put simply, it’s your chance to make a great first impression. It’s a tool you use to grab a hiring manager’s attention long enough that they look over your resume a bit closer and call you in for an interview.

A cover letter may not be something a job posting asks you to include, but don’t think that means you shouldn’t.  A good cover letter is always a good idea, here’s why:

• You can tell a story in a cover letter that dives deeper into your qualifications,
• experience, and interests to show why you’re the best candidate for the job.
• A lot of candidates skip writing a cover letter, so by including one you immediately put yourself ahead of the competition!
• You can introduce yourself in a more personalized way and tailor your application specifically for the job.
• You can add a bit of flair or personality that gets a hiring manager to ask you in for an interview
• It shows that you put effort into your application, which again, puts you ahead of most of the competition.

This is just a snapshot of how a cover letter can help you. We’ve got a great article for you to look over if you want to know more about the purpose of a cover letter .

Should you send a cover letter for a job?

There is no question, yes, you should absolutely include a cover letter with your application.

We’ve done our homework on this and can tell you: a majority of hiring managers need or expect a cover letter, even if it’s not specified in the job posting.

Not only are they expected, but they’re a great tool for you too:

• Explain the reasons for any work gaps
• Clarify how the experience you have from other jobs applies
• Show how you fit their company culture
• Let them know why you’re changing jobs or fields

So, while a cover letter may not absolutely be necessary, they’re extremely useful, and always something you should take the time to write and include with your application.

Cover letters should usually include some of the same basic elements. We’ve put together a quick list below, but head over to our complete guide on what to include in your cover letter for a full explanation.

• A header – This is where you’re going to include all the contact info the hiring manager is going to expect to see.  You want to be sure to give them what theyère looking for.
• Opening statement – You can get right to it here and make sure this is an attention grabber.  Summarize your skills or experience and give them one good reason why it’s important for the job you’re applying to.
• Body – This paragraph should give some more details about you personally.  Employers often hire someone for who they are, not what they know; this is your time to show them you’d be a great fit on their team.
• Closing and Call to Action – You want to close your cover letter with a thanks for the time they’ve taken and a professional sign-off.  You should also let them know you’re eager to hear from them, and let them know to contact you to follow up.

Try to end with a great impression. It’s key that you know how to close your cover letter well to hit all the right notes.

A hiring manager takes about 7.4 seconds to look at each resume that comes across their desk, and there may be hundreds of those. A strong cover letter design can grab their attention long enough for them to set you into the callback pile instead of in the recycling bin.

We’ve put together the details on how you can really grab a recruiter’s attention with your cover letter design , but here’s the basics:

• Font - Always use a standard, easy-to-read font like Times New Roman or Arial. It should be 12pt or slightly bigger.
• Heading – Always use a professional format of heading, which includes your name and contact info, the date of writing, and the contact info for the person you’re writing to.
• Spacing – You want to single space the body of your cover letter, but leave spaces between the heading, the greeting, each paragraph, and your sign-off.
• Length – We know that it’s tempting to try to fit in as much as possible in the cover letter, but this is definitely a case of less is more.  You want the content to be about half a page, so shoot for between 250-400 words.

Keeping your cover letter lean can be hard the first few times you write one. Check out our article on ideal cover letter length to get more tips on how to hit the sweet spot.

If you’re already a pro, maybe you can go it on your own and write a killer cover letter.  But if this is your first cover letter, or you have any doubts, use our Cover Letter Examples to get some great ideas on how to write and format yours – we’ve got a few samples below.

Our examples cover different industries and positions, so you can fine tune the fit of your letter for exactly the job you’re applying to without trying to reinvent the wheel!  Plus, these are cover letters that work to get interviews, so you can be sure you’ve got a great start.

If you want a real head start, we’ve even got a Cover Letter Templates page where you can head to get all the basics covered for you. Head there, input your specifics, and you’ll have a winning cover letter, easy-peasy.

• A cover letter is a one-pager you include with a job application to dive deeper into exactly why you are the best fit for the job.
• You always want to include a cover letter, even if it’s not specified in the job posting.
• Hiring managers get hundreds of resumes, and they fly through them - your cover letter can and should be designed to grab their attention.
• Personalize your cover letter and tailor it to the specific job you’re sending it in to, this includes relating specific skills, letting your personality shine, and getting the hiring manager’s name.
• Make sure it’s in perfect shape to get great results.  Use our Cover Letter Checklist to make sure you’ve covered all the bases and haven’t overlooked any little mistakes that could cost you the job.

• Cover Letter Guides

Sam landed a job at Spotify with Enhancv

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How to Write a Cover Letter in 2024 + Examples

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:

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:

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?

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:

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.

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:

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

Middle Management Cover Letter Example

Career Change Cover Letter Example

Management 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.

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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What Is a Cover Letter and How to Write One? (Expert Guide)

A cover letter is an integral part of the job search process . Often, a good cover letter is what gets you the job. However, not many people know how to write a good one. Some may not even know what a purpose of a cover letter is.

In this expert guide, you can find not only a definition of what is a cover letter and how to write a good cover letter, but also tips on how to structure it and send it. Finally, get inspired by the examples, that our experts prepared for you.

Keep on reading and you will also learn:

• why do you need a cover letter;
• what types of cover letters exist;
• the difference between a cover letter and a letter of interest;
• the difference between a cover letter and a motivation letter;

Find out your resume score!

What is a cover letter (Definition + Purpose + Types)

The purpose of a cover letter is to introduce yourself to your future potential employer.

A cover letter illustrates your background and explains why the offered position would be a good fit for you. In a cover letter, you have a unique chance to present yourself, show your personality, and add details that one cannot fit into a structured resume.

In addition, with your cover letter, you can also make up for the lack of previous experience. That is if you can make your enthusiasm and positive qualities shine through.

Over the years the importance of a cover letter grew significantly, and a cover letter became a standardized part of the process of a job application.

With the highly competitive job market, a resume alone – no matter how strong – is simply not enough to get hired. In fact, in 45% of cases, the reason for not being called to an interview is a missing cover letter.

What is the difference between a cover letter and a letter of interest?

While the cover letter and a letter of interest are rather similar, there is a subtle difference between these two. Based on the specific circumstances in which you find yourself, you can decide which one is the right one to write.

• A letter of interest  is commonly used in situations when there is NO specific job opening. You send a letter of interest when you find a company interesting, and you believe you would fit in well. However , you are not applying for a concrete job position. Therefore, you can write about your skills and professional experiences more broadly so you can make yourself available to a wider range of possible positions . Furthermore, in a letter of interest, you can always politely request an interview.
• A cover letter  is   a response to a concrete job opening. Therefore, you focus on a more limited set of qualities that would make you the perfect candidate for this specific role.

Moreover, a cover letter always comes hand in hand with a resume. Because of that, a cover letter should always mention your CV and match it. In a cover letter, you can also elaborate on the information, which is already listed in your resume.

If you want to learn how to write a good resume, have a look at our ultimate resume guide . You can even  turn your LinkedIn profile into a polished resume .

What is the difference between a cover letter and a motivation letter? 

If you are deciding whether to write a cover letter or a motivation letter , it is again important to look at the situation in which you find yourself.

One writes a motivation letter when applying for a study program, a university placement, or a volunteering position. In a motivation letter, you should first and foremost focus on expressing your enthusiasm. Moreover, in a motivation letter, you can put the focus on your personality and on what makes you unique.

In the cover letter, you are advised to do this too; however, the key thing is to demonstrate why are you the perfect fit for a specific role. A cover letter also tends to be shorter than an average motivation letter.

What are different types of cover letters?

When it comes to the cover letter itself, there are three standardized types of cover letters . Each type has a slightly different format. Therefore, it is important to correctly identify which type of cover letter you need and adjust its format accordingly.

Networking cover letter

This very specific type of cover letter is sent out to your professional network in a situation when you are looking for a job but there is no specific job opening to which you are reacting. However, you want to inform your connections that you are open to a new role.

While using your network to get a job is usually the right move, one needs to be extra careful when sending out a networking cover letter. It needs to be formulated with politeness and delicacy.

Unofficial cover letter

Sometimes, only a resume is required by the company. In this situation, it is not necessary to attach an official structured cover letter.

Nonetheless, if you want to demonstrate the depth of your interest and elaborate on your professional experience in more detail, you can always write a short, un-official, and more casual cover letter. It should not follow the strict cover letter format and it can be only around two paragraphs long.

If you want to, you can even place it in the body of an email, to which you are attaching your CV.

Application cover letter

This is the standard and most common type of cover letter. You write it when you want a specific job position for which you saw an opening.

There are several unwritten rules on how to write it. So, if you are asking what makes a good cover letter and what you should do to write one, just scroll down to the next chapter.

How to write a cover letter in 2022

Writing a good cover letter is not as hard as it may seem at first. There are a few unspoken rules that if you follow, you have a high chance of being called for an interview. All you need to know is what to include in your cover letter and how to format it.

What to include in your cover letter and what is the cover letter structure?

If you are wondering what to put in your cover letter and how to structure it, what follows is a simple step-by-step list of elements that cannot be missing from a good cover letter.

At the start of your cover letter , you should have the correct heading and contact information. Don’t forget, this is your one chance to make a good first impression. Always include:

• your full name in large font as a heading. Possibly, you can also use a catchphrase, if you really want the attention of the recruiter; 
• follow it by contact details, such as a phone number or email;
• include the information about your employer: such as the name of the recruiting person (if applicable), the name of the company, the address, phone number, and an email address;
• address the cover letter to the person who is listed as a recruiter/hiring manager. If their name and contact details are not available online, go for the standard " Dear Sir/Madam" ;
• don’t forget to mention how you came across the offer - their webpage, LinkedIn, or a friend who works there already;

In the body of the cover letter, write about your professional skills, past experiences, and hopes and aspirations for your professional future. Describe how your previous experiences shaped you and why does it make you the perfect fit for the job. Mention also that this job is, in exchange, a good fit for you, too.

Here, you should not exceed three paragraphs. Don't be repetitive, or too descriptive - rather demonstrate your qualities. 

At the end of a cover letter, try to   catch the attention of the recruiter again. Emphasize your motivation and repeat, why are you the right person for the job.

Never forget to thank the hiring manager for their time and express your high hope for hearing back from them. Mention your resume and remember to sign the letter with your full official name.

Cover letter formatting  

The cover letter is usually read by the HR department. In large corporates, there are on average 250 applicants per one open position. Because of this, the hiring manager has an extremely limited time to look at your cover letter. Thanks to this, you must make sure your cover letter is simple, not too long, well-structured, and easy to read.

• Your cover letter must have the correct length. A cover letter should never exceed one A4 page. At the same time, it should not be shorter than half a page. A good cover letter is 250-300 words long, with 400 words being the maximum limit.
• It consists of approximately three to four paragraphs and the maximum acceptable number of paragraphs is six.
• The best font to use for a cover letter is a classic, simple, and professional one. For instance, with the good-old Arial, Calibri , or Times New Roman, you can never make a mistake. However, if you work in a creative business, you can always consider using a more eye-catching design. Remember though, it should always remain easy to read and navigate.
• The size of letters should be between 10.5 and 12, the margins 1 or 1.5.  

If you want to have a clearer idea about how to write the perfect cover letter, have a look at this video tutorial . 

How to write a cover letter with no experience

If you are in an early stage of your career and only fresh out of school, do not despair. A cover letter can be your biggest help in this situation. As opposed to your resume, in a cover letter, your positive attitude can change a lot. Make it clear how enthusiastic and eager to learn you are.

Focus on your qualities, skills, extracurricular, or volunteering experience. Possibly, you may have some related experience from your personal life. If it is truly relevant, include it, too.

How experts do it: best cover letter examples

Now that you know what a finished cover letter looks like and how to write one, you can get inspired by cover letter examples written by our experts. This will make sure that from now on you will write truly perfect cover letters.

Example 1: Cover letter for the position of nanny

Example 2: Cover letter for the position of s oftware engineer

Example 3: Cover letter for a position of marketing intern

Have a look at other cover letter examples, too. And you can have a cover letter just like this as well! Just use one of our Kickresume cover letter templates . You can choose a free or a premium one.

Tips for sending a cover letter by email

Once you have the cover letter written, it is time to hit the send. But be careful, don’t make any mistakes that could lead to your application being rejected. Here are some tips on how to send the cover letter properly via email:

• Don’t forget to properly read the instructions written in the job opening. Usually, the instructions are placed at the bottom of the job advertisement. Here, one can find the name and the email address of the hiring manager who will receive the applications. Double-check the information and make sure you address the person in the email, as well as the body of the cover letter.
• Do not forget to write an appropriate email subject, in which you mention the job position and the fact that you are applying for it
• In the email itself, be polite and brief . Remember to mention the Cover Letter in the attachment.
• Make sure your email address sounds professional . Your email must have your full name and surname in it. Nicknames, extra letters, or numbers are not recommended.
• Don’t forget to attach the cover letter, and/or Resume. We have all forgotten to attach something before. However, do not let it happen in this instance – you have only one chance to make a good first impression.
• Save the cover letter properly. Use a format, which is easy to open for most computers (such as .pdf). Don’t forget to name the document properly – mention your name, the position for which you are applying, and consider adding a date. Always match it with the name of your CV.
• Don’t forget to thank the recruiter for their time. Politeness can get you far.
• End the email with your full name and best regards. Be official and professional, this is no time for being casual.

Other cover letter tips and ideas

• Make it easy to read, always. A simple and larger font, shorter sentences, and captivating beginning of paragraphs will get you far.
• Put the most important information at the beginning.
• Do not send the same cover letter to multiple openings. Always tailor the perfect resume for each job offer.

And there you go! Now when you know how to write the perfect cover letter. For the best result, use one of our Kickresume cover letter templates! 

Kickresume wishes you the best of luck with your application. Get that dream job!

Kaja Jurčišinová

Kaja Jurcisinova is a fresh graduate and a junior copywriter at Kickresume. Kaja completed her undergraduate degree in Art History at the University of St Andrews in 2018 and graduated with a Master’s in Arts and Culture from the University of Groningen in 2021. She was an intern at multiple cultural institutions across Europe, including the Dutch Museum Association in Amsterdam, the Matter of Art Biennale in Prague, and the European Cultural Centre in Venice. At the moment, she resides in Visby on the Swedish island of Gotland.

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How to write a professional resume summary [+examples], how to put your education on a resume [+examples], how to describe your work experience on a resume [+examples], let your resume do the work..

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The Ultimate Cover Letter Writing Guide

The complete guide to writing an effective cover letter.

Certified Professional Resume Writer

Any of these sound familiar? The simple answer is yes, having an effective cover letter is completely necessary and highly recommended and we’ll tell you  why you need a cover letter as well as a resume!

When you’re applying for a job, whether it be for an  entry-level  position after graduating or for a high-level executive vacancy with a  professional resume , a  cover letter is essential to make your application stand out .

Without this extra introductory letter, a resume alone could easily be discarded by a hiring manager. CareerBuilder  estimates you’re  10% more likely to miss out on an opening  if you don’t include a cover letter.

Writing a good cover letter  it’s not a skill many many people master, but that doesn’t mean it’s an impossible feat!

With our complete  cover letter guide , you’ll learn  how to write a cover letter  that will attract the hiring manager and convince them to read your winning resume.

What is a cover letter?

A cover letter is an extension to your job application.  It is not obligatory but including a well-written cover letter is  strongly advised by all human resource experts . By definition, a cover letter is an accompanying, explanatory letter.

All  jobseekers need a sales pitch  of sorts, they need to hook the reader and demonstrate to the hiring manager why they are the right person for the vacancy on offer. This style of  self-marketing for a job application  must come in the form of a  winning resume and cover letter combination  that complement one another.

A simple cover letter is an introduction to the candidate  behind the qualifications and experience. The aim is to show a prospective employer how you can take on the role and  what you can offer the company  in question.

Cover letters generally  follow a basic structure  and can be in either hard or digital format, that is to say, either printed and sent via regular mail or as a document scanned and attached to send digitally, or written directly in an  email cover letter .

Why include a cover letter on a job application?

If you want to stand any chance at all of  catching the eye of a potential employer , it is  imperative to include a cover letter  with your job application.

Simple – even if you  create an effective, outstanding resume , using all the right keywords and qualifications etc. it’s possible there are candidates more qualified than you or with more experience so it’s necessary to  add a cover letter to back up your resume  and allow the hiring manager to see more of your personal side that is relevant to the vacancy.

• The cover letter demonstrates your communication skills.
• The cover letter serves as an introduction to the resume.
• The cover letter can be used to emphasize certain skills, or mention skills that you couldn’t fit on the resume (it serves as an addendum).
• The cover letter is what you customize for each position, to show why you are the right person for “That” role, as opposed to the resume which stays pretty much the same for all applications.

A cover letter is the added value  that you need in a job application to ensure the call-back you’ve been waiting for.

To  create a unique, tailor-made job application , each candidate should use a cover letter to highlight their strengths and  elaborate on relevant achievements  that demonstrate their ability to take on the new responsibilities.

Is it practically always sensible and  appropriate to write a cover letter to accompany a resume for a job application  that should be customized for the role you’re applying to including any explanations of information that might be missing from the resume, such as employment gaps, traveling, periods of study etc.

The only time it is acceptable to not include a cover letter in your job application is if the job listing specifically requests that you do not.

Advantages of Writing a Cover Letter

A cover letter directly adds to the likelihood that you are called in for an interview and  gives you a better chance of being hired .

If you’re successful in  writing an effective cover letter , it will offer you the following advantages:

• Hiring managers will see your added effort
• Demonstrates you put in the time to learn about the company
• It will add a personal touch to your application
• It shows your enthusiasm for the opening
• Hiring managers will become acquainted with your best qualities

Knowing exactly what is in a cover letter will ensure that it gives you a  major advantage  over the other applicants.

What are the 3 Types of Cover Letters?

Adding a cover letter is almost always essential, but  choosing the appropriate letter  will also be key. Depending on the job post you are applying for, you will need to select the best type of letter to send along with your resume.

There are  3 types of cover letters  that you can send to a hiring manager. The 3 types are:

• Application cover letters
• Letters of Interest
• Email Cover letters

The letter you write is influenced by  whether you are going to apply for a job directly , citing a referral, or asking about vacancies that are not advertised.

Whatever the case may be, ensure that the cover letter is  specific to the job vacancy . It’s always important to avoid making a generic cover letter for every single job you apply for.

So, what are the 3 types of cover letters you should consider sending to a job recruiter?

Application Cover Letter

This is your  classic cover letter  that you send to a hiring manager when you spot a company advertising a job opening. When you want to directly apply for a position, it is mandatory to send this, unless you are specifically asked not to.

Using this letter, you can mention why you want to work for a specific company and why you are the perfect candidate for the position.

Letter of Interest

Say you notice a company that you would really like to work for. It fits your sector, and you know it offers great benefits and good pay. However, you  can’t find any openings  that match your skill set.

If that’s the case, you don’t need to sit around and wait for the company to have a job vacancy. You can take action with a letter of interest. This type of cover letter  states your interest in being employed  by a company that isn’t currently advertising any vacancies.

This type of letter goes by a couple of other names, such as:

• Letter of intent
• Statement of interest

Of course, since there is no vacancy there is no role you can specifically mention, which is the major difference between a letter of intent and a traditional cover letter. Your objective will be to  advertise yourself well enough  that an employer will just have to interview you.

Email Cover Letters

Over the years, the job application process has shifted to a nearly  100% online hiring process . Due to this, it may be necessary to send your cover letter  in an email  as part of your job application.

While applying, there may not be an option to upload your cover letter. Or maybe you would just like to send it in the  body of your email along with your resume . You can send it in one of two ways, in the body of your email or as an attachment (in PDF).

How to write a cover letter

A cover letter, although  short in length  generally, can take time to elaborate as it is important to get it right. Sometimes, due to the scarce space for writing, candidates find it difficult to know  what to include in a cover letter  and  what to leave out .

However, knowing  how to do a cover letter  can make all the difference to your job application and be the just the thing to capture the attention of a hiring manager.

A  professional cover letter  should be well-formatted, following a structure with a header, an opening paragraph, a second main paragraph, a final closing paragraph and a closing with signature/electronic signature.

To  begin writing a cover letter for a job application , candidates should analyze their skills, qualifications, accomplishments and experience to  decide which are the most fundamental aspects to include  in their personalized cover letter.

Next, each jobseeker will have to  select the most job-relevant  of these elements to include by  comparing them with the required or desired qualifications and experience  in the job description.

Finally, the applicant should choose some  memorable examples which demonstrate evidence  of each element included in their cover letter, aiming to  tell a story  which shows their aptitude concerning each skill or qualification.

Jobseekers should also ensure to explore  how to make a cover letter  for their specific role or industry because, similarly to resumes, each cover letter should be  tailored for the vacancy  and company to which it will be sent.

It is vital for candidates to  consider several factors when it comes to writing their professional cover letter . A jobseeker must review their  resume work history section  as well as any skills and honors included to find the  most pertinent experiences  that can be explored further. Detailing examples of when a candidate demonstrated certain abilities or expertise is how a candidate can convince a hiring.

One way to create a winning cover letter is to use an  online cover letter creator  or take advantage of cover letter templates as a stepping stone as well as checking out cover letter examples that can serve as a great source of inspiration for you to make your own  unique cover letter .

Our  cover letter builder  forms part of our resume builder and allows jobseekers to create a more complete job application. Users can write their cover letter with pro tips and design help thanks to our pre-designed templates. Read our  cover letter writing guide  to get to grips with  cover letter writing techniques  and tips before using our online cover letter builder!

How to Structure a Cover Letter

The  structure and layout of a cover letter  is essential to make sure the letter displays each point that you wish to get across  clearly and concisely . This means it’s necessary, in general, to follow a commonly-accepted format for an effective cover letter.

Similarly to a  resume format , designing and  writing a cover letter has certain rules  which should be adhered to in order to convey the necessary information in a brief and to the point introductory letter.

Check out some of the  cover letter best practices  as advised by human resources experts below:

• It’s imperative to  begin a cover letter with a header , including the candidate’s name and contact information as well as the date. This  primary cover letter section  can also include the job title, website and other relevant personal information.

Following this, the  letter should include the details of the company  and person to whom you are writing, with the full name, job title or team, company name and address.

• The main body of a cover letter should be divided into  three sections : an introduction, a bullet list of accomplishments followed by a paragraph highlighting skills, and a closing paragraph inviting the hiring manager to contact you. By using bullet points when detailing your achievements and capabilities, you can make sure that recruiters will be able to quickly pick out key information. This is especially important as studies have found that recruiters spend very little time reading each individual application.
• Finally, the letter should be electronically or physically signed with your full name in a formal manner.

The universally-accepted  cover letter length  is no longer than one letter page, which in total has about  250-300 words  for the main body of text.

Don’t  repeat information  or be too detailed because hiring managers simply do not have the time to read it all and will simply skip to the next one.  Resumes that run over 600 words  get rejected 43% faster and cover letters can easily fall into this trap too.

Keep your cover letter short and sweet and to the point!

Get more  cover letter formatting advice  in our guide on  how to format a cover letter  with tips and information about all aspects of a good cover letter structure.

Cover letter advice

The  importance of including a cover letter  with your job application is often overlooked by jobseekers of all categories, however this can seriously reduce your possibilities of getting an interview with a prospective employer.

Therefore you need not ask yourself  when to write a cover letter  because the answer is just that simple – it is  always appropriate to include a cover letter in your job application , unless the listing explicitly requests that you do not.

Check out the following  expert cover letter tips  to create a winning cover letter that will convince the hiring manager to give you a call:

• We may be quite repetitive with this one but the sheer quantity of resumes and cover letters that are disregarded simply for forgetting this  vital and basic rule  is incredible:  USE A PROFESSIONAL EMAIL ADDRESS  for your contact details and that does not include your current work email but a personal, suitable email address.
• It is essential to remember to  maintain your focus on the needs of the company  you’re applying to and the requirements and desired abilities of the ideal candidate for the role.  Do not focus on how you can benefit  by becoming a member of their team, but on how the team can make the most of your experience and knowledge.
• Remember to  highlight your transferable skills , especially in cases where you may not meet all the required qualities in the job description such as in student resumes and cover letters.
• Each  cover letter for a job application, cover letters for internships , for further study or even volunteer experience should be  tailored to their specific organization  and position with the pertinent keywords.
• Use specific examples to demonstrate the candidate’s individual capacity to take on the role and  tell a story with your cover letter  to convey more of your personality and passion towards the sector or profession.
• Towards the  end of a cover letter , each candidate should write a convincing finish to entice the hiring manager and in sales terminology “ seal the deal ”.
• Finally when you have completed your polished cover letter, potentially  one of the most important steps  in the process is to  PROOFREAD . Candidates should request that a friend, mentor, teacher or peer takes a look at their cover letter for not only  grammatical and spelling errors  but also any  unwanted repetition or unrelated information .

Some jobseekers doubt  whether a cover letter is necessary or not , but as most human resource professionals agree without a well-written cover letter, candidates lose the  possibility to demonstrate different aspects of their profile  from those included in their resumes which could easily be the deciding factor in your application!

An easy and fast way to write an effective cover letter for a job application is to employ an  online cover letter creator  that will offer advice on  how to complete a cover letter with examples  and HR-approved templates.

Cover Letter FAQs

What do employers look for in a cover letter, can a cover letter be two pages, what is the difference between a cover letter and a resume, should you put a photo on a cover letter.

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cover letter

Definition of cover letter

Examples of cover letter in a sentence.

These examples are programmatically compiled from various online sources to illustrate current usage of the word 'cover letter.' Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback about these examples.

Dictionary Entries Near cover letter

Cite this entry.

“Cover letter.” Merriam-Webster.com Dictionary , Merriam-Webster, https://www.merriam-webster.com/dictionary/cover%20letter. Accessed 23 Mar. 2024.

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What Is an Enclosure in a Cover Letter? Definition & Tips

Cover letters are important documents that accompany a job application. They serve as an introduction to the candidate and provide an opportunity to highlight their relevant skills and experiences. A well-written cover letter can help a candidate stand out in a crowded field of applicants.

One aspect of a cover letter that is often overlooked is the enclosure. An enclosure is a document that is included with the cover letter, such as a resume, writing sample, or other supporting materials. The purpose of the enclosure is to provide additional information that supports the candidate’s qualifications.

In this article, we will delve into the definition and purpose of an enclosure in a cover letter. We will explore the various types of documents that can be included as enclosures, and provide tips on how to effectively use them to strengthen your application. By the end of this article, you will have a clear understanding of what an enclosure is and how to use it to your advantage in your job search.

Where to Include Enclosures

When it comes to including enclosures in your cover letter, it’s important to know where to include them based on the type of cover letter you will be using. Here are the different places to include enclosures depending on the type of cover letter you are using:

A. Electronic Cover Letters

Email:  If you are submitting your cover letter via email, you can include the enclosure either in the body of the email or as an attachment. If you choose to include it as an attachment, make sure to mention it in the body of your email as well.

Online Submission Forms:  Some companies may require you to submit your cover letter through an online submission form. In this case, there may be a designated section where you can upload your enclosure.

B. Physical Cover Letters

Mailing:  If you are mailing your cover letter, you can include the enclosure by stapling it to the cover letter or placing it in the same envelope. Make sure to mention in your cover letter that you have enclosed additional materials.

Hand Delivery:  If you are hand delivering your cover letter, you can either staple the enclosure to the cover letter or include it in a separate folder or envelope.

Remember, including enclosures can be a great way to provide additional information about yourself to potential employers, but make sure to only include relevant and necessary materials.

Types of Enclosures

When submitting a cover letter, you may be required to include various types of enclosures. These can include a resume, CV, references, writing samples, certifications, relevant projects, and other supporting documents. In this section, we will go through each of these types in detail to help you understand what they are and how to include them in your cover letter.

A resume is a document that summarizes your work experience, education, and relevant skills. It is typically a one-page document that showcases your professional accomplishments and provides a quick overview of your qualifications. When including your resume as an enclosure in your cover letter, make sure it is up-to-date and relevant to the job you are applying for.

A CV, or curriculum vitae, is a more comprehensive document than a resume. It includes not only your work experience and education but also publications, presentations, and other academic achievements. A CV is commonly used in academic or research settings and can be longer than two pages. If the job you are applying for requires a CV, be sure to include it as an enclosure in your cover letter.

C. References

When applying for a job, it’s important to have references who can attest to your professional capabilities. Including a list of references as an enclosure in your cover letter can demonstrate your preparedness and readiness to work with the company. Be sure to ask permission from your references before including them in your cover letter.

D. Writing Samples

If the job you are applying for involves writing or requires a specific writing style, including writing samples as enclosures in your cover letter can help demonstrate your skills. Choose samples that are relevant to the job and showcase your unique writing style.

E. Certifications

If you have certifications relevant to the job you are applying for, including them as enclosures in your cover letter can provide additional credibility to your application. These can be industry-specific certifications or general ones like CPR or First Aid.

F. Relevant Projects

If you have completed relevant projects in your field or have personal projects that demonstrate your skills, including them as enclosures in your cover letter can set you apart from other applicants. Be sure to explain the relevance of each project to the job you are applying for.

G. Other Supporting Documents

If there are other supporting documents that you believe can help showcase your qualifications for the job, including them as enclosures in your cover letter can be beneficial. These can include publications, awards, or other relevant materials.

When submitting a cover letter, including enclosures can help demonstrate your qualifications and professionalism. Be sure to choose the appropriate type of enclosure for the job you are applying for and ensure they are relevant and up-to-date.

Proper Formatting and Labeling for Enclosures

Enclosures are an important component of a cover letter and serve as a means to provide additional information to the recipient. To ensure that the enclosures are easily identified and understood, it is important to use proper formatting and labeling.

A. Labeling Guidelines

When labeling enclosures, it is important to use clear and concise language that accurately describes the enclosed documents. Use a descriptive title, such as “Resume” or “References,” to clearly indicate the type of document enclosed. Avoid using vague titles, such as “Documents,” which do not provide any meaningful information.

It is also important to number the enclosures to ensure that they are accounted for and that none are missing. Use a consistent numbering system, such as “Enclosure 1,” “Enclosure 2,” etc., and include the corresponding number in the cover letter or email. This will make it easier for the recipient to cross-reference the enclosed documents with the cover letter or email.

B. Location of the Label

The label for the enclosure should be placed either at the top or bottom of the document. If you choose to place the label at the top, center it and make it bold and slightly larger than the text in the body of the document. If you place the label at the bottom, align it with the left margin.

C. Aligning Multiple Enclosure Labels

If you are enclosing multiple documents, it is important to align the labels to make them easier to read and reference. Align the labels either horizontally or vertically, depending on the number of enclosures and the available space. Remember to number the enclosures in the order in which they appear in the cover letter or email.

For horizontal alignment, place the labels side-by-side and evenly spaced. For example:

Enclosure 1 Enclosure 2 Enclosure 3

For vertical alignment, stack the labels one on top of the other, aligned with the left margin. For example:

D. Placement of Enclosures in the Cover Letter

In the cover letter, mention the enclosed documents and briefly describe their contents. This will provide the recipient with an idea of what to expect and help them quickly locate the relevant information.

Place the enclosure label(s) after the closing and signature of the cover letter or email. This will ensure that the recipient sees the label(s) before they begin reviewing the enclosed documents.

Proper formatting and labeling of enclosures are essential in a cover letter. Use descriptive titles and consistent numbering, place the label at the top or bottom of the document, align multiple labels, and mention the enclosed documents in the cover letter. Following these guidelines will help ensure that the recipient can quickly and easily identify and review the enclosed documents.

Tips for Including Enclosures in a Cover Letter

When it comes to enclosing additional documents or materials with your cover letter, it’s important to follow some simple guidelines to ensure that you’re including the right information in the right way. Here are some key “do’s” and “don’ts” to keep in mind:

A. Do’s for Enclosing on Cover Letter

Keep It Relevant:  Any materials you include with your cover letter should be directly related to the job you’re applying for. Whether it’s a writing sample, a project proposal, or a portfolio of your work, make sure that everything you include is relevant to the position and will help the hiring manager get a better sense of your skills and experience.

Label It Correctly:  Make sure that any additional documents or materials you enclose are clearly labeled with a title or description that makes it clear what they are. This will help the hiring manager easily locate and review the materials as needed. Additionally, if you’re sending multiple documents, consider numbering them to help keep them organized.

Make It Easy to Access:  Whether you’re submitting your materials electronically or physically, make sure that they’re easily accessible and available to the hiring manager. If you’re emailing your application, consider including links to your materials rather than attaching large files. If you’re sending a physical application, make sure the materials are neatly organized and easy to locate.

B. Don’ts for Enclosing on Cover Letter

Including Too Much Information:  While it’s important to include any relevant materials that will help the hiring manager get a better sense of your skills and experience, you don’t want to overload them with unnecessary information. Stick to the most important and relevant materials, and avoid including anything that doesn’t directly support your application.

Forgetting to Label:  It’s easy to get caught up in the process of assembling your application materials, but don’t forget to clearly label each document or material that you include. Without clear labeling, the hiring manager may not know what they’re looking at or how it relates to your application.

Including Unrelated Documents:  Finally, make sure that any additional materials you include are directly related to the job you’re applying for. While your resume or cover letter might be tailored to multiple positions, any additional materials you include should be specific to the job at hand. Resist the temptation to include unrelated documents or materials that won’t help build your case for why you’re the best candidate for the position.

By following these simple guidelines for including enclosures with your cover letter, you’ll be able to present a clear and compelling case for your candidacy while making it easy for the hiring manager to review your application.

Common Mistakes to Avoid when Enclosing on Cover Letter

When creating a cover letter, it is important to avoid making common mistakes that can have a negative impact on your application. Here are some common mistakes to avoid when enclosing documents with your cover letter.

A. Wrong Document Type

One common mistake applicants make is enclosing the wrong type of document with their cover letter. For example, enclosing a resume when the employer only requested a cover letter can make you seem careless or unprofessional. Be sure to carefully read the job posting or application instructions to determine what documents are required.

B. Typos and Grammatical Errors

Another mistake to avoid when enclosing on your cover letter is having typos and grammatical errors. These mistakes can make you appear less credible and distract from the content of your application. Take time to proofread and edit your cover letter before submitting it.

C. Improper Formatting

Improper formatting is another mistake that applicants make on their cover letters. Using difficult to read fonts, too much bolding, or not enough white space can make your cover letter difficult to read. It is best to keep your cover letter simple, clean, and easy to read.

D. Not Including Contact Information

A final common mistake to avoid when enclosing documents with your cover letter is not including your contact information. This information should include your name, email address, phone number, and mailing address. You can include this information at the top of your cover letter or in the signature block. This allows the employer to easily contact you if they have any questions or want to schedule an interview.

By avoiding these common mistakes when enclosing your documents on your cover letter, you can increase your chances of making a positive impression with potential employers. Take the time to carefully review and edit your application materials to ensure that you are presenting yourself in the best possible light.

The Importance of Enclosure in a Cover Letter

A well-crafted cover letter is an essential part of any job application process. It serves as a marketing tool to showcase your qualifications, skills, and experience that make you the perfect candidate for the position. However, one aspect that is often overlooked by job seekers is the inclusion of enclosures in their cover letter. An enclosure refers to any additional documents that support your application, such as your resume or portfolio.

But why is the enclosure section so important, and what does it say about you as a candidate?

A. Shows Your Professionalism

First and foremost, the inclusion of an enclosure section in your cover letter displays professionalism. It shows the hiring manager that you are detail-oriented, organized, and have taken the time to provide them with all the necessary documents upfront. Remember, hiring managers receive hundreds of applications, and anything you can do to set yourself apart and make their lives easier will be greatly appreciated.

B. Provides Additional Information

Moreover, the enclosure section can provide employers with additional information that may not be readily apparent in your resume or cover letter. For example, if you are applying for a graphic design position, you could include samples of your work in the enclosure section to showcase your design skills. Similarly, if you are a recent graduate, you could include transcripts to demonstrate your academic abilities.

C. Demonstrates Attention to Detail

Lastly, the enclosure section is a great way to demonstrate attention to detail. It shows that you have carefully read and followed the application instructions, including any requests for additional documents. Employers want to hire candidates who pay attention to the details and take pride in their work.

Including an enclosure in your cover letter is crucial. It not only shows your professionalism, but it can also provide employers with additional information and demonstrate your attention to detail. So, make sure to take the time to gather all the necessary documents and present them in a clear, organized manner. Your effort will not go unnoticed by potential employers, and it may just be the thing that sets you apart from other candidates.

Example of Cover Letter Enclosure

A. cover letter example.

Dear Hiring Manager,

I am writing to apply for the [Position] role at [Company]. Enclosed, please find my resume, along with other supporting documents that I have included for your review.

As a skilled [Industry] professional with [Number] years of experience, I am confident in my ability to contribute positively to [Company] and hit the ground running in this position. My experience in [Skill 1], [Skill 2], and [Skill 3] have prepared me well for this role and I am excited about the opportunity to put my skills to use.

I am particularly drawn to [Company’s] focus on [Specific Aspect of Company], and the impact that your work has on [Customer, Industry, etc.]. I am motivated by a desire to be a part of this work and contribute to its continued success.

Thank you for considering my application. Please feel free to contact me if you need any additional information or to discuss my qualifications further.

[Your Name]

B. Enclosure Example

Enclosures:

• Cover Letter
• Professional References

I am writing to express my interest in the [Position] role at [Company]. Enclosed, please find my resume, cover letter, and professional references that I have included for your review.

As a qualified [Industry] professional with [Number] years of experience, I am confident in my ability to make a valuable contribution to [Company]. I am excited about this opportunity to use my skills in [Skill 1], [Skill 2], and [Skill 3] to support your team.

Thank you for taking the time to review my application. Please feel free to contact me if you need any additional information or to discuss my qualifications further.

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Model Code of Conduct comes into force for 2024 Lok Sabha elections: What does it mean?   

Chief election commissioner rajiv kumar asked all political parties to strictly adhere to the mode code of conduct (mcc), which lays down a list of dos and don’ts for leaders and parties ahead of elections..

The Election Commission of India (ECI) announced on Saturday (March 16) that the country would vote in seven phases in the Lok Sabha elections, from April 19 to June 1 and the results will be announced on June 4 . With this, the Model Code of Conduct (MCC) comes into effect.

Chief Election Commissioner Rajiv Kumar asked all political parties and their leaders to strictly adhere to the MCC, which lays down a list of dos and don’ts for leaders and parties ahead of elections. Amongst other things, the code bars the government from announcing policy decisions.

What is the Model Code of Conduct?

The MCC of ECI is a set of guidelines issued to regulate political parties and candidates prior to elections. The rules range from issues related to speeches, polling day, polling booths, portfolios, the content of election manifestos, processions, and general conduct, so that free and fair elections are conducted.

When does the Model Code of Conduct come into effect?

The MCC comes into force from the date the election schedule is announced until the date that results are out. As a result, it will kick in from today evening and will remain in effect until the election process is concluded.

What restrictions does the Model Code of Conduct impose?

The MCC contains eight provisions dealing with general conduct, meetings, processions, polling day, polling booths, observers, the party in power, and election manifestos.

As soon as the code kicks in, the party in power — whether at the Centre or in the states — should ensure that it does not use its official position for campaigning. Hence, no policy, project or scheme can be announced that can influence the voting behaviour. The party must also avoid advertising at the cost of the public exchequer or using official mass media for publicity on achievements to improve chances of victory in the elections.

The code also says the ministers must not combine official visits with election work or use official machinery for the same. The ruling party cannot use government transport or machinery for campaigning. It should also ensure that public places such as maidans etc., for holding election meetings, and facilities like the use of helipads are provided to the opposition parties on the same terms and conditions on which they are used by the party in power.

The issue of advertisement at the cost of public exchequer in the newspapers and other media is also considered an offence. The ruling government cannot make any ad-hoc appointments in government, public sector undertakings etc., which may influence the voters.

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Political parties or candidates can be criticised based only on their work record and no caste and communal sentiments can be used to lure voters. Mosques, Churches, Temples or any other places of worship should not be used for election campaigns. Bribing, intimidating or impersonation of voters is also barred. Holding public meetings during the 48-hour period before the hour fixed for the closing of the poll is also prohibited. The 48-hour period is known as “election silence”. The idea is to allow a voter a campaign-free environment to reflect on events before casting her vote.

Is the Model Code of Conduct legally binding?

The MCC evolved as part of the ECI’s drive to ensure free and fair elections and was the result of a consensus among major political parties. It has no statutory backing. Simply put, this means anybody breaching the MCC can’t be proceeded against under any clause of the Code. Everything is voluntary. The EC uses moral sanction or censure for its enforcement.

The ECI can issue a notice to a politician or a party for an alleged breach of the MCC either on its own or based on a complaint by another party or individual. Once a notice is issued, the person or party must reply in writing — either accepting fault and tendering an unconditional apology or rebutting the allegation. In the latter case, if the person or party is found guilty subsequently, he/it can attract a written censure from the ECI — something that many see as a mere slap on the wrist.

Previous Model Code of Conduct ‘violations’

In November 2023, during the campaign for Madhya Pradesh Assembly elections, the ECI issued a notice to Congress general secretary Priyanka Gandhi Vadra for a statement made during an election rally, where she asked Prime Minister Narendra Modi why he had given BHEL to his “bade udyogpati mitron (big industrialist friends)”.

Citing the MCC provision against making unverified allegations, the ECI asked her to explain her statement.

In the run-up to Gujarat polls in 2017, both BJP and Congress accused each other of violating the MCC. The BJP pointed to Rahul Gandhi ’s interviews with TV channels during the 48 hours before polling, while the Congress accused Prime Minister Narendra Modi of violating the same provisions by holding a ‘roadshow’ in Ahmedabad after casting his vote.

Although the ECI rarely resorts to punitive action to enforce MCC, during the 2014 Lok Sabha polls, it had banned BJP leader and now party president  Amit Shah  and SP leader  Azam Khan  from campaigning to prevent them from further vitiating the poll atmosphere with their speeches. The Commission resorted to its extraordinary powers under Article 324 of the Constitution to impose the ban. It was only lifted once the leaders apologised and promised to operate within the Code.

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What We Know About Trump’s Failure to Arrange a Half-Billion-Dollar Bond

Donald J. Trump’s lawyers told a judge that their client could not come up with the collateral needed to stave off efforts to collect a $454 million judgment. He has three days left.

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By Kate Christobek and Ben Protess

It’s crunchtime for Donald J. Trump.

By Monday, March 25, the former president must secure an appeal bond for roughly half a billion dollars in his civil fraud case in New York, and his ability to do so was called into question this week.

In a court filing, Mr. Trump’s lawyers revealed that he had been unable to secure an appeal bond despite “diligent efforts” that included approaching about 30 bond companies.

While Mr. Trump this month managed to post a $91.6 million bond in his defamation case against the writer E. Jean Carroll, securing the deal at the 11th hour from a large insurance company , he lacks the assets needed to secure the far bigger guarantee for the fraud case.

If he cannot produce the bond in time, Mr. Trump faces the possibility of financial disaster and humiliation. New York’s attorney general, Letitia James, who brought the fraud case, would be entitled to collect the $454 million and could move to freeze some of Mr. Trump’s bank accounts.

She could also seek to seize some of his New York properties, and public records show that Ms. James has formally posted the judgment in Westchester County, a preliminary step needed to stake a claim to Mr. Trump’s private estate and golf club there. Yet any effort to seize property would most likely trigger a lengthy court fight with an uncertain result.

Mr. Trump’s money problems spread well beyond New York. As the presumptive Republican nominee for president, he is facing increased pressure to raise money to fund his campaign, lagging behind his opponent, President Biden, in fund-raising.

In recent days, The New York Times has received many questions about Mr. Trump’s financial woes. Here are answers to several:

What was Trump accused of?

Ms. James took Mr. Trump, his company and his adult sons to trial last fall, accusing them of fraudulently inflating the value of his golf clubs, office buildings and other properties to the tune of about $2 billion.

Mr. Trump exaggerated the property values, and in turn his own net worth, to obtain favorable loan terms from banks and insurers, according to Ms. James.

At the trial, which lasted months, Ms. James’s lawyers showed that Mr. Trump’s company had ignored appraisals and manipulated numbers to sometimes absurd heights.

For example, the former president had valued his triplex apartment in Trump Tower on Fifth Avenue as if it were 30,000 square feet for years. It was actually 10,996 square feet.

Mr. Trump lost the trial. The judge overseeing the case — there was no jury — ruled in favor of Ms. James.

How was he punished?

The judge, Arthur F. Engoron, came down hard on Mr. Trump, imposing a judgment of $355 million plus interest, amounting to $454 million.

The judge also imposed a range of penalties that could curb Mr. Trump’s influence over his family business, barring him from serving as a top executive at a New York company for three years.

What comes next?

Mr. Trump has appealed the judgment.

Although he does not have to pay Ms. James’s office the $454 million while he appeals, he is on the hook to either cut a check to the New York State Court system for the full amount himself, or, more likely, obtain an appeal bond.

What is an appeal bond?

In this case, it would be a document in which a bond company promises to pay the $454 million judgment, plus interest, if Mr. Trump were to lose his appeal and fails to pay.

To obtain a bond of such size, Mr. Trump would need to pledge a significant amount of collateral to the bond company — about $557 million, his lawyers said — including as much cash as possible, as well as any stocks and bonds he could sell quickly.

He would also owe the bond company a fee that could amount to nearly $20 million.

Does he have enough cash to obtain one?

Short answer: No.

A recent New York Times analysis found that Mr. Trump had more than $350 million in cash as well as stocks and bonds, far short of the $557 million he would need to post in collateral.

In a court filing on Monday, Mr. Trump’s lawyers said they had contacted more than 30 bond companies, and none had agreed to do a deal.

But I thought he was a billionaire?

While Mr. Trump has long bragged about his wealth, his true financial position remains something of a mystery. And most of his wealth is tied up in his real estate holdings, which bond companies don’t typically accept as collateral.

He also has less liquid collateral available today than he did even a few weeks ago. Earlier this month, Mr. Trump had to post a $91.6 million bond in the defamation case he lost to E. Jean Carroll. For that, he most likely had to pledge more than $100 million in collateral to Chubb, the insurance company that provided the bond. That money cannot be used as collateral for a second bond.

What is the deadline for the bond?

Mr. Trump asked an appeals court either to pause the fraud judgment while he appeals it, or to accept a lesser bond of $100 million. It is unclear whether the court will rule before Mr. Trump’s deadline to post the bond.

Although Ms. James could have moved to collect the $454 million immediately, she offered a 30-day grace period, which ends on March 25.

Ms. James could still grant additional time for Mr. Trump to pay or show mercy to the former president by offering a counterproposal.

What other options does Trump have?

If the appeals court denies his bid for a pause, and he still can’t find a bond by March 25, he might appeal to the state’s highest court.

Assuming that fails, he could quickly sell one of his properties or other assets, or seek help from a wealthy supporter. He might also try to obtain a loan from a bank, hedge fund or private equity firm, which he could then post as collateral for a bond. And the attorney general has suggested that Mr. Trump could pledge his properties to the court.

And his net worth could soon leap when shares of his social media company start trading on the stock market as early as Monday. His shares are currently valued at roughly $3 billion. Although he is prohibited from selling the shares for six months, Mr. Trump could find ways around that restriction that enable him to use his stake to raise cash for the appeal bond.

If all else fails, he could have the corporate entities implicated in the fraud case file for bankruptcy, which would automatically halt the judgment against those entities. But Mr. Trump is likely to balk at bankruptcy, and even if he were to pursue that path, it is not a panacea.

Ms. James’s judgment would not be halted against Mr. Trump himself, and she would most likely seek to hold him accountable for his company’s debts.

How could the state collect?

If Mr. Trump misses the March 25 deadline, Ms. James could move swiftly to begin collecting the money owed to the state.

It could get ugly for Mr. Trump. She could send so-called restraining notices to Mr. Trump’s banks and brokerage firms, effectively freezing his accounts. She could do the same to anyone who owes Mr. Trump money, essentially collecting rent from tenants in his building.

And if she wanted to take a more aggressive posture, she could even try to seize some of the properties involved in the case, including the golf club and Seven Springs estate in Westchester. She has threatened to take aim at his office tower on Wall Street in Lower Manhattan, but it unclear whether she can, because Mr. Trump does not actually own the building. Instead, he effectively controls the property and pays rent to the owner.

Actually seizing any property through the courts could take significant time without a guarantee of a huge payoff. Mr. Trump could seek delays, and even if Ms. James can force a sale, Mr. Trump’s lenders would be first in line to collect.

Ms. James probably would not be entitled to seize assets unrelated to the case, though that and similar questions might require litigation to resolve.

Although Ms. James can’t put Mr. Trump in jail — because it is a civil case, not a criminal one — Justice Engoron could issue an arrest warrant for Mr. Trump if he repeatedly flouts court orders in the collection process. That, however, is unlikely to happen.

Could Trump use campaign money to pay?

Probably not.

A super PAC supporting Mr. Trump’s candidacy can raise unlimited amounts of money, but it is legally banned from coordinating with him and cannot pay the judgment.

And although the former president has used a political action committee under his control to pay for lawyers and witnesses in his legal cases, that group lacks the kind of money needed to address the $454 million penalty.

He is now scrambling to raise campaign cash as he faces a significant financial deficit. Mr. Biden’s campaign recently announced that it had entered March with $155 million cash on hand. Mr. Trump’s campaign and the Republican National Committee had about $40 million total on hand at the end of January, though the Trump campaign has not released a more recent total.

What else is happening on March 25?

Mr. Trump also has a crucial hearing in his Manhattan criminal case, which could be the first prosecution of a former American president.

The Manhattan district attorney, Alvin Bragg, filed charges against Mr. Trump that accuse him of covering up a sex scandal involving a porn star to bolster his 2016 presidential campaign. The case is now proceeding to trial.

Jury selection was originally scheduled to start on March 25, but the trial was delayed late last week after the disclosure of more than 100,000 pages of records that had been in the possession of the federal prosecutors.

While the documents have now been turned over, Mr. Trump’s lawyers were given until mid-April to review the papers.

Justice Juan M. Merchan set the March 25 hearing to determine if the trial should be delayed further and to rule on Mr. Trump’s motion for an outright dismissal.

The Manhattan case is among four criminal prosecutions Mr. Trump faces.

Ben Protess is an investigative reporter at The Times, writing about public corruption. He has been covering the various criminal investigations into former President Trump and his allies. More about Ben Protess

Beyoncé Explains Meaning Of Her New Album, Cowboy Carter

“This ain’t a Country album. This is a ‘Beyoncé’ album.”

Beyoncé’s country album is almost upon us, but don’t call it a country album . On March 19, the singer unveiled the cover art of her upcoming album, Cowboy Carter , and explained the record’s meaning in a letter posted to Instagram, saying it’s been “over five years in the making.”

“It was born out of an experience that I had years ago where I did not feel welcomed…and it was very clear that I wasn’t,” she wrote. “But, because of that experience, I did a deeper dive into the history of Country music and studied our rich musical archive.”

While Bey didn’t specify what she went through, she’s likely referring to her performance at the 2016 Country Music Awards with The Chicks, which received hatred from some country listeners. Stage designer Es Devlin revealed in an interview with British Vogue that the Western-inspired visuals on the Renaissance World Tour were born from that experience.

“I think she had a really bad experience at a country music award show, and she wanted to research its African-American roots,” Devlin said. “She discovered that 50 percent of cowboys were Black, in the 19th and early 20th century, and country music, of course, has been largely appropriated. She wanted to reappropriate Americana and country music from a Black perspective.”

Beyoncé also addressed the negativity she received while dabbling in country music, saying it motivated this album. “The criticisms I faced when I first entered this genre forced me to propel past the limitations that were put on me,” she wrote. “act ii is a result of challenging myself, and taking my time to bend and blend genres together to create this body of work.”

While she hasn’t revealed the tracklist yet, beyond the first two singles, “Texas Hold ‘Em” and “16 Carriages,” Bey did tease that she had “a few surprises” up her sleeve. “I have collaborated with some brilliant artists who I deeply respect,” she said. “I hope that you can hear my heart and soul, and all the love and passion that I poured into every detail and every sound.”

Beyoncé said she was “honored” to be the first Black woman to top the Country Songs chart with “Texas Hold ‘Em,” thanking fans for the achievement. “That would not have happened without the outpouring of support from each and every one of you,” she said. “My hope is that years from now, the mention of an artist’s race, as it relates to releasing genres of music, will be irrelevant.”

She concluded her letter by saying Cowboy Carter was a continuation of her last album Renaissance. Her goal was to create “another journey” that fans could listen to from beginning to end — with no skips.

“This ain’t a Country album. This is a ‘Beyoncé’ album,” she declared. “This is act ii COWBOY CARTER, and I am proud to share it with y’all!”

This article was originally published on March 19, 2024

Trump fails to secure bond for $454 million judgment in civil fraud case as asset seizures loom

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Reporting by Luc Cohen in New York Editing by Nick Zieminski, Noeleen Walder and Howard Goller

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Trump lawyers say he can’t post bond covering $454m civil fraud judgment

New York appeals court judge had ruled ex-president must post bond covering full amount to pause enforcement of judgment

Lawyers for Donald Trump said on Monday he could not post a bond covering the full amount of the $454m civil fraud judgment against him while he appeals the New York ruling, because to do so was “a practical impossibility” after 30 surety companies turned him down.

In a court filing seeking a stay on the payment, which is due on 25 March, lawyers for the former president and this fall’s presumptive Republican presidential nominee quoted Gary Giulietti, an executive with the insurance brokerage Lockton Companies, which Trump hired to help get a bond.

The filing said: “Defendants’ ongoing diligent efforts have proven that a bond in the judgment’s full amount is ‘a practical impossibility’.”

In an affidavit, Giulietti said few bonding companies would consider issuing a bond of the size required. The bonding companies that might issue such a huge bond would not “accept hard assets such as real estate as collateral” but “will only accept cash or cash equivalents (such as marketable securities)”, Giulietti wrote.

“A bond of this size is rarely if ever seen. In the unusual circumstance that a bond of this size is issued, it is provided to the largest public companies in the world, not to individuals or privately held businesses.”

Trump maintains he is worth several billion dollars and testified last year that he had about $400m in cash, in addition to properties and other investments.

In January, a jury ordered Trump to pay $83.3m – on top of $5m awarded by a jury last year – to the writer E Jean Carroll , for defaming her after she accused him of sexual assault in a Manhattan department store in the mid-1990s, a claim a judge called “ substantially true ”. Trump posted a bond for that amount as he appeals.

The civil fraud case against Trump was brought by the New York attorney general, Letitia James.

Trump also faces an unprecedented slate of criminal charges: 14 for subversion of the 2020 election that he lost to Joe Biden, 34 over hush-money payments and 40 regarding his retention of classified documents.

Nonetheless, the 77-year-old dominated the Republican presidential primary and is poised to face Biden at the polls again in November, even as his legal problems deepen.

In the New York civil fraud case, the judge, Arthur Engoron, ruled in February that Trump, his company and top executives – including his sons Eric Trump and Donald Trump Jr – schemed for years to deceive banks and insurers by inflating financial statements used to secure loans and make deals.

Among other penalties, Engoron put strict limitations on the ability of the Trump Organization to do business.

James, a Democrat, has said she will seek to seize assets if Trump is unable to pay the judgment.

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With interest, Trump and co-defendants including his company and top executives owe $467.3m. To obtain a bond, Trump lawyers said, they would be required to post collateral worth $557m.

“A bond requirement of this enormous magnitude – effectively requiring cash reserves approaching $1bn – is unprecedented for a private company,” the Monday filing said.

“Even when it comes to publicly traded companies, courts routinely waive or reduce the bond amount. Enforcing an impossible bond requirement as a condition of appeal would inflict manifest irreparable injury.”

In February, a state appeals court judge ruled that Trump must post a bond covering the full amount to pause enforcement of the judgment. Trump is asking a full panel of the state’s intermediate appellate court to stay that judgment while he appeals. His lawyers previously proposed a $100m bond – an offer rejected by an appeals court judge, Anil Singh.

Trump first appealed on 26 February, his lawyers asking the court to decide if Engoron “committed errors of law and/or fact” and if he abused his discretion or “acted in excess” of his jurisdiction.

Trump was not required to pay his penalty or post a bond in order to appeal. Filing the appeal did not automatically halt enforcement of the judgment. Trump would receive an automatic stay if he were to put up money, assets or an appeal bond covering what he owes.

The Associated Press contributed reporting

• Donald Trump
• US politics

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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.”

Christine Romans is the senior business correspondent at NBC News.

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