Senior Housing and Assisted Living

Making a job search cover letter need not be a lifeless process. Effective cover letters are short, skimmable and easily read ( a good tenet wherever your cover letter is going ) 3 to four paragraphs tops. If you are answering an advert, address the prerequisites in the ad and talk with how your experience is related to each. If you are sending the letter cold, confirm your letter reflects some research on the company, how your background relates, and why you have got an interest in that company. But as an alternative what usually occurs is this. Bob is watching out for a job. He looks through the paper, finds some ads that sound engaging, and circles them all with red pen. Then he sweats out the cover letter, personalizes each address, attaches his resume, mails them out, and congratulates himself on a job well done. Then nothing happens. He wonders why. He shrugs his shoulders and starts all over again.

From another perspective, Bob could take charge of his career and set out to find his perfect job. That starts to give him a clue about what incentivizes him, who he is under what conditions he functions productively, and what he’s attempting to find in his next job. Then he begins to go trying to find firms that fit this profile – whether or not they have adverts in the paper or not. Not all firms publicize their openings. Often openings are still in the reflective stages,eg an enlargement or secret replacement. In the 1st paragraph, Bob claims why he is writing to that explicit company. Rather than ‘I am writing because I saw your ad, ‘ he writes, ‘I am responding to your ad because…..’. For the letters he’s sending cold : ‘I am sending you a copy of my resume because in researching firms that I feel I might be useful to…. ‘ ( in opposition to ‘…companies I think I’d like to work for… ‘ ) Stress goes on the benefit to the company. Not the benefit to you.

In the second paragraph, Bob personalizes it. This is the paragraph ( or 2 ) that varies with each company or ad. Two or 3 sentences will do it if there’s one paragraph, or add another paragraph of approximately the same length. This part comes from within.

Why are you writing this company? What’s it became to do with what you do and who you are? It doesn’t have to be a long introspective story – but if there’s something explicit in the ad or about the company that’s attractive to you, speak with it. ( And if there is not, why are you writing them? ) the third paragraph winds everything up. And do not forget to be pro-active. Give the individual to whom you are writing about 10 days to get the letter and get in contact with you ( which probably won’t happen because things sometimes don’t move that fast ), and then chase up. They’re spotted at a hundred steps, particularly by recruiters and HR folks. Is all this a huge quantity of difficulty? Yes, it is.

A customized cover letter gets you recollected. Exclaiming you may chase up and then doing so on the date indicated, gets you remembered. That gives you much better possibilities than ending up at the base of some pile on a desk. Because if you’re called in to interview, then you’re part of YOUR deciding process. If you go universal, skip over the salutation, and hang about, you mix into the woodwork.

You will not actually have a chance to reject the company if they have recently denied you.

Read more about free sample cover letter and build a resume for free on my blog.

It’s never been a better time to refinance your Florida home. With a myriad of options available and interest rates at an all time low, closing costs can be quickly recovered by lower monthly mortgage payments. If you’ve been thinking of refinancing but waiting for the right time, now is the time to act.

Whether you are looking to lower your monthly mortgage payment, take out additional equity from your home, or make those home repairs you’ve been dreaming about for years, now may be the time. Interest rates will not be staying low for ever, so make sure you act before it is too late.

Seniors in particular have some very attractive options. If you are 62 or older and have significant equity in your home, you may be eligible for a reverse mortgage. These flexible loan programs have seen a sudden drop in closing costs in recent months and their interest rates are at an all-time low. There are no credit or income requirements associated with these loans, so even if you have bad credit, you may still be eligible for a reverse mortgage.

One aspect of reverse mortgages that is particularly unique is that they can eliminate monthly mortgage payments. As long as you stay in your home, and pay your taxes and homeowners insurance, your loan will not be payable. This is a very attractive option for seniors who are on a limited budget.

Another important aspect of reverse mortgages is that you can never owe more than your home is worth. The non-recourse nature of these loans means that if your property value declines below the value of the home, you are not required to pay the difference. This means you don’t ever have to worry about leaving a debt to your heirs. If you die and the loan balance exceeds the value of the home, your heirs can simply satisfy the loan obligation by turning the home over to the bank. Of course, they can also choose to repay the loan or refinance it with a regular mortgage if they’d like.

Reverse mortgages come in all shapes and sizes. You can choose to receive your funds in a variety of ways. For example, you can receive a lump sum distribution, a line of credit or a series of equal monthly payments for the remainder of your life. Or, alternatively, you can choose some combination of these options. Also, what you use the proceeds for is completely up to you. You can buy a new car, fix up your home or even take that vacation you’ve always dreamed of.

It doesn’t matter if you’re 62 and older and looking to increase your monthly income or just a typical home borrower looking to lower their monthly mortgage payments. Now is a great time to refinance your home. Despite the down economy, you should investigate your financing choices. This decision could end up saving you an unbelievable amount of money in future years. Make sure you investigate your financing options before this amazing environment of low interest rates disappears.

Looking for more information on a reverse mortgage lump sum or refinance mortgage company? Then make sure to check out Tim Begert’s online resources.