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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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Save time and stand out with a quick and easy custom cover letter made in Adobe Express. No experience required.

Land your dream job with a cover letter made in Adobe Express.

Cover letters are a great opportunity to go beyond the bullet point format of your resume and provide a deep dive of your experiences and achievements in a more personal way. Capture your potential employer’s attention and give them a taste of what you have to offer with Adobe Express free cover letter templates at your side. Explore the many styles we have to offer, from modern to traditional style templates, then customize your letter with your favorite color schemes and add icons or sub out the font. Stand out even more when you upload your personal brand logo. Make as many cover letters as you’d like, for free.

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Stand out with Adobe Express.

A cover letter is one of the best opportunities to create a standout statement from your peers in the job application process. While your resume follows a somewhat strict structure, your cover letter offers much more space for you to let your personality and experience shine. Let this be the letter that drives the message home – you are the best candidate, and your enthusiasm for this role is unrivaled. Give them a taste of what you have to offer, show off previous accomplishments, and craft it in a way that is unique to you. That’s where Adobe Express comes in.

Discover even more.

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How to make a cover letter.

Land your dream job with an eye-catching cover letter.

No editing know-how is necessary to make an impressive cover letter in Adobe Express, so you can focus your time on making something that represents who you are in minutes. Go beyond the traditional Times New Roman, black-and-white cover letters with the Color Theme tool on your side. Search by color, mood, or style to find tons of unique color combos to apply in a snap. Duplicate and edit as many cover letters as you’d like.

Add your own personal flair with the easy-to-use cover letter builder.

Save time and showcase your professional background and personality with free, fully customizable cover letter templates to get you started. Settle on one that suits your style then drag and drop icons, shapes, and more. Apply unique borders, add images, and even choose from thousands of professional-looking Adobe Fonts to communicate your message in a stylish way. When you’re done, print and send it off to hiring managers or save it as a PDF to share online.

Stand out with a custom cover letter design.

Your cover letter is your chance to stand out and share your professional story with an authentic, personal touch. With free, fully customizable templates at your side, it’s easy to make a sleek cover letter design whether you’re a beginner or seasoned design expert. Have fun with all the customization options you have at your fingertips. Weave in action-oriented words to discuss the impact you’ve made in organizations and highlight areas of expertise to tell your story succinctly to hiring managers. Make your interview a breeze with Adobe Express on your side.

Showcase who you are in a visually appealing way.

Adobe Express takes out all the guesswork of creating a visually appealing cover letter, so you can focus on the job hunt instead. Say goodbye to the complicated process of making sure your text and spacing align on one page. With Adobe Express, it’s as simple as dragging and dropping elements exactly where you need them to be without technical constraints. Spend more time writing a compelling cover letter for your readers and let Adobe Express take care of the rest.

Go beyond cover letters with Adobe Express at your side.

Give hiring managers something to reference visually as you walk them through your professional background and achievements in your cover letter. Once you’ve settled on a theme in your file, duplicate your cover letter and start customizing your resume in the same place for a consistent look and feel. You can even add additional pages to the same project to start building your portfolio, too.

Frequently asked questions.

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Best Cover Letter Examples

• Hospitality

I am Linda Kramer and I am applying for the position of Marketer at Bell's. I have 2 years of experience as a marketer and I am confident that my skills will be a valuable asset to your team.

As a people person who is passionate about social media, I have a proven track record of running successful campaigns. My excellent written communication skills allow me to quickly produce high-quality content, and my analytical mindset combined with creative problem solving skills enable me to track campaign performance and suggest ways to improve results. Additionally, I stay up-to-date on the latest trends in digital marketing and I am always willing to learn new things and take on new challenges.

Based on the perfect match of requirements for the role and my skills and experience in marketing - I strongly believe that I am an excellent candidate for this position.

In particular - my experience in managing people and projects effectively, producing high-quality content quickly, analyzing campaign performance, and staying up-to-date on trends in digital marketing - make me confident that I would excel in this role at Bell's company.

I would love to schedule an interview or answer any questions about my skills or experience so you can see how my passion and expertise can benefit Bell's Marketing team.

I am Andrew Pope and I am applying for the position of Chef at Asian Food Restaurant. I have over 10 years of experience as a professional cook and chef, and my skills extend to all sorts of kitchen equipment and tools. In addition, I am highly skilled in both cooking and food preparation. My ability to work well under pressure and manage a kitchen team is another one of my strengths. Lastly, I have experience with cooking all types of cuisine - from Italian to French to Asian.

Based on the job description and requirements for the role of Chef at Asian Food Restaurant - I strongly believe that I am an excellent candidate for this position. In particular, my 7 years of experience in the food industry with at least 3 years cooking Asian cuisine; combined with my skills in managing a kitchen staff and knowledge of various Asian ingredients and flavors - make me confident that I would excel in this role.

I would love to schedule an interview or answer any questions about my skills or experience so you can see how my passion and expertise can benefit the team at Asian Food Restaurant.

I am Aiza Khan and I am applying for the position of Medical Nurse at Goodwill General Hospital. I have 5 years of experience as a medical nurse, and have worked in a variety of settings, including inpatient, outpatient, and home health. In my previous roles, I have developed strong communication and interpersonal skills, and have been able to effectively manage and coordinate care for multiple patients.

I am confident that I am a good match for this role, as I meet all of the qualifications listed in the job description. In particular, my experience working as a Registered Nurse in an acute care facility – as well as my experience with a variety of technologies and machines – makes me confident that I would excel in this role. Additionally, my strong communication and interpersonal skills would be an asset to your team.

I am excited to learn more about the position and believe that I can be a valuable asset to Goodwill General Hospital team. I look forward to the next steps in the application process.

I am Troy Myers and I am applying for the position of Bookkeeper at Applebees. I have 20 years of experience as a bookkeeper and I am confident that my skills will be a valuable asset to your team.

As a bookkeeper, I have a keen eye for detail and an excellent understanding of QuickBooks, Xero, and other bookkeeping software. My experience in managing a team of bookkeepers has allowed me to hone my leadership skills. Additionally, my strong financial analysis and problem-solving skills make me confident that I would excel in this role at Applebees.

Based on the job description provided, it is clear that I possess all the qualifications needed to excel in this role. In particular - my 20 years of experience as a bookkeeper; proficiency in QuickBooks, Xero, and other bookkeeping software; strong financial analysis and problem-solving skills; and ability to manage a team of bookkeepers - makes me confident that I would be an excellent addition to Applebees’ accounting team.

I look forward to discussing my qualifications further with you during an interview. Thank you for your time and consideration.

I am Joan Galvan and I am applying for the position of Sales Associate at Zappos. I have 6 years of sales experience and a proven track record of meeting and exceeding sales targets. My strong negotiation and communication skills have allowed me to build relationships and rapport with customers – which is essential for success in this role. Additionally, my familiarity with CRM software and Microsoft Office suite will be beneficial in this role. Finally, my ability to lead and manage a team of up to 5 people effectively demonstrates that I have the necessary skills to excel in this role at Zappos company.

Based on the qualifications required for the role of Sales Associate at Zappos company - I strongly believe that I am an excellent candidate for this position. In particular - my 6 years of sales experience, proven track record of success, strong negotiation and communication skills, ability to build rapport with customers, etc. - make me confident that I would excel in this role at Zappos company.

I would love to schedule an interview or answer any questions about my skills or experience so you can see how my passion and expertise can benefit Zappos’s Sales team.

Hello, I am Marshall Ho, and I am applying for the position of Software Engineer at Facebook.

I have 5+ years of experience as a software developer, and I am confident that my skills will be a valuable asset to your team. In my previous roles, I have successfully completed a number of projects using Java, Spring, Hibernate, and REST technologies. My strong technical skills in these areas – combined with my ability to quickly learn new technologies and adapt to new situations – make me confident that I would excel in this role at Facebook company. Additionally, my excellent communication and interpersonal skills will be beneficial in working effectively as part of a team to complete the project at hand.

Based on the job description provided for the role of Software Engineer at Facebook company - which requires 3 years of professional experience in Hibernate and REST technologies; solid skills in Java programming language; experience with any RDBMS; ability to work as a part of the team; conduct code review process - I strongly believe that I am an excellent candidate for this position. In particular – as someone who meets all these requirements - I am confident that I can be a valuable asset to Facebook’s Software Engineering team.

I would love to schedule an interview or answer any questions about my skills or experience so you can see how my passion and expertise can benefit Facebook’s Software Engineering team.

Frequently Asked Questions

Yes, every cover letter we create is customized and 100% original. Unlike usual cover letter constructors that just mix and match the standard phrases – our letters' content is based on your work experience and the requirements or the exact position you are applying to.

It takes our AI creator up to 20 seconds to actually generate the cover letter after you spend a couple of minutes filling out the order form.

Well, the goal of a cover letter is to make you stand out from the other candidates, show that you really looked into the position and prove that you are a perfect fit. So yes, you should send a unique cover letter for each job application.

Every company is different, and they all look for different things in candidates. For example, some may prefer hard skills, but some prioritize soft skills. Our AI writer adapts to the style of job description to prove that you are a perfect fit.

Yes, same like using career consultants – it’s totally ok and legal. The main thing is to include truthful information about your experience and skills. And we will make sure that the resulting cover letter will not be detectable to be written by AI.

We are currently testing trial plans on a limited audiences. If you would like to get a trial too – please contact us at [email protected]

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Show hiring managers why you're the perfect job candidate with professional, customizable cover letter templates. find the perfect cover letter template for any industry or career path..

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Stand out from other job applicants with free, professional cover letter templates. Cover letters are a perfect complement to your resume and provide an effective opportunity to show your personality and enthusiasm for a position. Focus on writing a compelling cover letter and let a professionally designed template do the rest.

These free cover letter templates are perfect for any stage of your career, whether you're looking to land an internship or your dream job. If you're applying for a corporate position, you may want to opt for a simple cover letter template. There are a variety of other cover letter designs available, from basic cover letter templates to creative cover letter templates.

Each of these cover letter templates is customizable in Word , so you can add your own text, change design elements, and more. Print out your cover letter or download it for free to use for online job applications. Once you've customized the perfect cover letter, explore resume templates that will match your cover letter design, or download free business cards for your next networking event.

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Everything about a cover letter

What is a cover letter for a job.

A cover letter is part of a resume that concisely presents more information about you as an applicant. A good cover letter has several short paragraphs, shows your interest in the job and any relevant experience you have. As you discover how to write a cover letter, we have some answers to commonly asked questions.

The type of cover letter you use depends on the job description, the company at which you are applying and your personal goals. As you revise your cover letter, highlight your knowledge about the company’s mission, values and culture, and show how you fit into their long-term vision.

An application letter is not always required for job applications. However, looks more professional and shows effort on the applicant’s part. There are four types of cover letters:

• Value proposition letter: this gives a summary of why you are unique and is similar to the “tell me about yourself” interview question.
• Letter of interest: this type of letter shows that you are interested in working for a company even if they don’t have current open positions, and shows why you are qualified and an asset.
• Referral: this format is ideal when you know someone at the company who referred you to the position.
• Application: the most common cover letter, this provides details about relevant experience and education, and allows you to delve into things that aren’t appropriate in a resume .

Why is a cover letter important for a job application?

A cover letter is important for a job application because it gives more insight into your personality and qualifications than are listed on your resume. It’s an important tool to present yourself as an asset to the company. A great cover letter helps you stand out from the competition when a hiring manager may go through hundreds of applications for each job.

Your cover letter is the initial introduction a company has of you. If it’s well-written and covers your most important strengths, it may propel you to the top of the applicant pool. It emphasizes your core competencies to catch the hiring manager’s attention.

A good job letter also shows personality. Because of space constraints, resumes can often be blunt and to the point with no room for the reader to get a sense of your personality. Therefore, your cover letter highlights the personality traits that make you a good candidate. These traits include things like being self-motivated, a good leader or organized. In your cover letter, elaborate on why you want to make an employment change and why this opportunity is for you.

You can also show your passion for the industry or job. A well-written cover letter emphasizes your understanding of the company’s vision and how you fit into it. A powerful letter shows how the company benefits from your impact.

Finally, a cover letter highlights your writing ability. Employers value those who can articulate their thoughts in writing, and this shows excellent communication skills.

How should a cover letter look in 2024?

A good cover letter is both formatted and flexible. Using cover letter templates can help ensure that you get the right information across to the hiring manager, but it’s still important to adjust and tailor each letter to the specific job application.

Heading: This section should include your name, physical address, phone number and email address. Furthermore, you can use a professional email and include links to an online portfolio, your professional website or relevant social media sites.

Salutation: If you know the name of the hiring manager, use it for a personalized touch. If not, a generic "Dear Hiring Manager" can suffice.

Opening Statement: The first paragraph is an strong opening statement about who you are, what job you want and when you are available. You can skip specific details like the company name in this section.

Company Alignment: Here, dive into why you're drawn to the particular company and the role. Emphasize your passion for the industry and how you see yourself contributing to the organization's goals.

Motivation: The third paragraph is for motivating why you believe you are the best candidate for the job. Here, mention any relevant experience you’ve had, and why you will excel in this job. While your past employment and education are included in your resume or CV , this is the place to add one or two experiences that stand out and make you a good candidate. 

Conclusion: The final paragraph is an outro, and should stay simple and concise. Mention your attached resume, specify where and when you can be reached, and mention that you’d love the chance to discuss the opportunity more.

Should I customize my cover letter for every job application?

Using cover letter and resume templates is a great way to get a basic outline to start and takes save a lot of time as all the formatting is taken care for you. However, it is highly recommended that your cover letter should be customized and tailored for each specific job and role that you're applying for.

A personal cover letter shows you’ve done your research on the company and the position and it provides you with a great opportunity to stand-out from the rest of the competition.

There are several ways to make a cover letter more personal. One way is to connect your personal value to the company’s values. This requires time and research on your part. Read the website and browse their social media profiles to get an idea of what is important to them. Some companies value the bottom line while others focus on their long-term effects on the world, and if you understand that, you can tie your personal values and work ethic into their goals. 

When possible, use the hiring manager or recruiter’s name. Not only does this personalize your letter, it also ensures that your application goes to the right person. 

Share your professional goals. Discuss how the job directly impacts your career path and what you’ve done to create a solid foundation. Pinpoint how the job you’re applying for matches your long-term goals and how you will be an asset to the company.

As you do research to personalize your cover letter, you learn more about every company. This can also give you insight into companies that you don’t want to work for, whose values don’t align with yours.

How do I use Jobseeker’s cover letter generator?

Jobseeker offers CV and resume examples , as well as templates for resumes, CVs and cover letters. Our tool is easy to use and has several free options. Simply click Get Started on our website and click on create a new cover letter to begin.

You can choose from a formal letter, or email and digital text. Input a photo if you choose, your personal information, email address and phone number. There is a spot to fill in the recipient, the date and subject, the introduction, your current job situation, what your motivation is for the job and a closing paragraph. These spots include drop downs that help guide you through the creating process.

Simply fill in these spots and our tool will populate the cover letter. Choose from 12 different styles including Elegant, Professional, Modern and Simple. Adjust the font, size and color to create a cover letter that reflects your goals and personality. 

Jobseeker also allows you to digitally attach a signature, upload your resume and create a custom paragraph for any other information you want to add. This tool is available in a variety of languages and can be downloaded (in PDF format) or printed. You can use the same template to personalize a cover letter each time you apply for a new job.

Can I format my cover letter with Jobseeker’s cover letter generator?

Our convenient tool allows you to not only choose your format, spacing and font, but you can also move each section to where you feel is appropriate. To change the order, simply hover over the section and click the six dots to the left of the text. Use the mouse to move the section where you want it. 

While our examples and templates are a good guideline, we recognize that ultimately it’s your opinion that matters most. We recommend that your personal details, date and subject, recipient and introduction remain in the order we’ve provided, but ultimately you can change the order to fit the job.

Our system mimics that of other word processing programs (such as Google Docs and Microsoft Word) to make it easy to use. Within the Introduction section, our system guides you to choose between four types of applications: open application, response to ad in newspaper or magazine, response to online ad, and other. 

Once you’ve chosen from the dropdowns in each section, the text automatically populates on the cover letter. Our text gives you a starting point, but you can edit any information to match your purposes. As each paragraph is added and you make edits, read through the information and check that your tone and writing style match.

How can I send the cover letter after it is created?

Once your cover letter is done and all applicable fields are filled in, you can download the document as a PDF and send it along with your resume or CV to the recruiter or hiring manager. We also offer an option to receive the cover letter as a plain email if that option works for you.

When writing your cover letter, don’t forget to attach your resume before you send it to the hiring manager or recruiter. Proofread your cover letter every time you change it, and browse our samples to find a professional tone with appropriate language.

What makes Jobseeker’s cover letter builder the best?

When it comes to cover letter, resume and CV templates and resume templates , we have many great options to choose from. However, ease-of-use is where our builder shines above the rest. We strive to keep Jobseeker’s tools updated and customized to match your needs. The benefits of using Jobseeker include the following:

• Our user-friendly interface makes the creation process simple for those with basic technology experience.
• Our tool allows you to build a cover letter, CV or resume in more than 20 languages.
• We provide diverse options when it comes to templates, with more than ten styles to choose from.
• We allow you to adjust your text, font and spacing to be more exciting, which helps you create an eye-catching cover letter.
• With our easy formatting tool it is simple to add, remove or move various sections.
• When you use Jobseeker, you can match your cover letter template to your CV or resume template.

As you browse resume, cover letter and CV examples on our website, you can run through our cover letter maker to see for yourself how easy it is to use, and how quickly we can help you create an eye-catching, attention-grabbing cover letter. Present your best professional image with a well-written, personalized cover letter created with the the Jobseeker tool.

How many words should a cover letter be?

The appropriate length of a cover letter can vary depending on the position and industry, but as a general guideline, it is recommended to keep it concise and focused. A well-crafted cover letter typically ranges from 250 to 400 words. It is important to remember that hiring managers often have limited time to review applications, so it is best to convey your qualifications and enthusiasm in a clear and succinct manner. Instead of writing lengthy paragraphs, aim to highlight your most relevant strengths and accomplishments, using bullet points or short sentences. By keeping your cover letter within this word count range, you can ensure that it remains engaging and impactful without overwhelming the reader with excessive information.

Do you have unanswered questions? Take a look at our FAQ

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How to Create a Compelling Cover Letter in Microsoft Word

E very time you apply for a job, it's a good idea to include a cover letter. Deciding how to write each one is hard, but at least you don’t have to start from scratch with their design.

Microsoft Word offers templates and welcomes third-party designs to help you create compelling cover letters. Here’s how to use such options in Word and make the best first impression possible to potential employers.

Use Microsoft Word’s Cover Letter Templates

Formal letters don’t have to be bland. Go to File > More templates on Word, and type “cover letter” in the search box. You’ll find several stylish designs that add structure and color to your document.

What reflects you better, a subtle or sharp color scheme? If you’re considering a bold header for your professional details, learn how to design letterheads on Word , too. You can even add your portrait to your cover letter.

Microsoft Word’s built-in templates also include fields for you to fill in with your information and that of your potential employer. They guide you in these small ways, some even providing a sample for your letter’s main body. It’s a good idea to rephrase that, though, to fit each job application.

If you don’t like any of the options on Word’s desktop app, explore more Microsoft cover letter templates online and download your favorites from there.

Use Third-Party Templates in Microsoft Word

You can create cover letters for your dream job on platforms besides Microsoft. If you’d rather stick with it, you’ll even come across third-party templates specifically designed for you to download and customize on Word. Here are some examples.

1. ResumeLab

Explore over 50 cover letter templates, ranging from minimalist to eye-catching designs. Keep in mind that a few of them are meant to be created on ResumeLab. The rest you can bring onto Word by clicking their Download it free here link.

You’ll be redirected to websites like Good Resume and Resume Genius , which help you quickly download your documents. Then, all you have to do is open them in Microsoft Word.

You’ll also notice that some cover letters on ResumeLab are edited versions of Word’s built-in templates, but this just adds to your selection and gives you more ideas.

2. Template.net

This is a popular site for templates of all kinds, including cover letters. For some designs, you pay a small fee, but Template.net has an impressive range of free options, too. What’s more, the download process is very easy.

Just browse its collection, click on a design you like, and select the Word button under Download Free Template . In the next window, hit Free Download . If you’re not signed in already, you’ll be asked to as the final step.

Follow Best Practices for Cover Letters

Familiarize yourself with the dos and don’ts of writing a cover letter . Remember these guidelines when selecting and customizing a template or crafting a cover letter from scratch. They boil down to the following rules.

1. Research Potential Employers

Do your research before writing or designing your cover letter. Get to know each company and even the recruiter you’re addressing. It’s the same strategy as tailoring your resume for different job types .

2. Tailor Your Cover Letter

When showcasing your skills and interest in a position, use your research to tailor your letter so that it grabs the recruiter’s attention and impresses them. Be smart, enthusiastic, and concise with your words.

3. Use Your Blank Space Wisely

Aim to limit your cover letter to one page. Any more than that, and you risk losing the recruiter’s interest. Think about what you need to say, including important and relevant details not covered in your resume. Express these things as succinctly as possible.

4. Your Visuals Should Complement and Not Overwhelm the Letter

Add a bit of color and texture, going for a subtle effect. You could even use some small icons, as long as they’re tasteful and discreet. Whatever you choose, keep these visuals on the letter’s edges, and don’t let them dominate the text.

5. Master Word’s Features That Benefit Cover Letters

For example, you can create your cover letter more efficiently by setting the text’s boundaries from the get-go. To do this, go to Layout > Margins . From the same toolbar, you can adjust paragraph spacing and indentation.

Through Insert > Pictures , you can import an image of your signature and place it at the end of the letter. Your header and footer can be customized from here, too.

Even the Mailing toolbar might be of interest. It can help streamline the process of writing and sending letters, as well as keeping track of recipients.

Good Planning and Wording Make the Best Cover Letters

Between Microsoft and other providers, you have access to a wide selection of templates for simple but attractive cover letters that you can personalize on Word. The app itself is full of useful writing and editing tools.

With this leg up, designing a cover letter for every occasion is easier. Sound research and planning in terms of how to approach each application can help polish the letter even more.

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How to Write a Cover Letter for an Internship? (+5 Real Internship Cover Letter Examples)

• Julia Mlcuchova , 
• Updated March 20, 2024 8 min read

Trying to figure out how to write a cover letter for an internship ? Look no further!

POV: After weeks and weeks of searching for the right internship opportunity, you've finally found it. But, at the end of the posting, there's a single short sentence that takes you aback:  “Please, attach a cover letter to your application .”

Although some consider cover letter writing to be a relic of the past, it still holds its rightful place in the professional world. 

Because a well-written and persuasive cover letter can sometimes make up for the lack of work experience on your resume . And if you're trying to apply for an internship , this is probably your case, too. 

So, continue reading this article and learn: 

• What is a cover letter for an internship;
• Whether you need to attach a cover letter to your internship application;
• How to write one in 7 steps;
• 5 real-life internship cover letter examples .

Table of Contents

Click on a section to skip

What is a cover letter for an internship?

Do you need a cover letter for an internship, how to write a cover letter for an internship in 7 steps, 5 real-life internship cover letter examples, key takeaways: how to write a cover letter for an internship.

Generally speaking, an internship cover letter is a formal document that accompanies your resume when applying for an internship. 

When it comes to its content, a cover letter for an internship falls somewhere between a traditional cover letter and a motivational letter . 

• A traditional cover letter , used by job applicants with years of experience, is supposed to underline some of the candidate's most relevant and impressive skills, qualifications, and work achievements . 
• A motivational letter , used mostly in academia, aims to communicate one's passion for the subject, their motivation, and personal goals . 

Hence, a cover letter for an internship combines the purpose of the traditional cover letter (convincing the recruiters that you're the right person for the job) with the tone and strategy of the motivational letter (writing about personal motivations and goals).

A truly successful internship cover letter should answer the following questions:

• Who are you? 
• Why are you interested in this particular internship?
• Why are you the best fit for this internship?
• What do you want to gain from this internship?

Absolutely! 

In fact, you should always attach a cover letter to your internship application , even if it isn't explicitly required from you.  

Why, you ask? 

Well, consider this: Internships are crucial stepping stones towards your dream career. And they're also incredibly competitive. A single internship opening can be answered by tens of applicants at a time. 

But how can you stand out from a crowd of equally inexperienced candidates? Certainly not by your non-existent professional accomplishments, right? 

When companies look for interns, they don't expect you to have a ton of real-life experience. They aren't looking for a “finished product,” but for someone with a genuine desire to learn and enthusiasm for the job. 

And these two are your weapons of choice!

How can a cover letter for an internship help you?

Apart from the reasons mentioned above, your internship cover letter is also responsible for: 

• Conveying first impression. Usually, recruiters will read your cover letter before looking at your resume. So, it's the perfect opportunity to introduce yourself to them in a memorable way. 
• Showing your efforts. Next, taking the time to craft a thoughtful cover letter shows that you're willing to put in that extra effort to stand out from the rest of the candidates. 
• Highlighting your communication skills. Also, a well-written cover letter demonstrates your ability to articulate your thoughts clearly and professionally. 
• Showing your professionalism. When you walk into a room, it's polite to introduce yourself and shake everybody's hand. This is exactly what a cover letter does! To attach one to your application is a common courtesy.

Now that you're familiar with the whats and whys , let's have a look at how to write a good cover letter for an internship step-by-step. 

For example : Application for [name of the internship] internship – Surname.

Then, place your contact information (your name; professional email address; phone number; link to your website / portfolio / social media accounts if relevant) directly into the header .

If you know the recipient's name, address them by “ Dear [full name] ,” or “ Dear Mrs/Mr [last name] ,”. If you don't know who to address the cover letter to , address it more generally to “Dear Hiring Manager,” .

In the first paragraph of your cover letter , start by stating your name and where you studied (including your current degree and year of study). Proceed by explaining how you came to know about the internship and what are your motivations for applying to it.

Since you don't have much work experience, you can talk about your academic achievements; relevant coursework; dissertation project; extracurricular activities; volunteering; membership in relevant societies, etc.

The closing paragraph of your cover letter should reiterate your desire to get the specific internship, express gratitude to the recipient for their time and consideration, and include a final call for action (i.e. "I look forward to discussing the next steps during an interview." )

Finally, based on how you greeted the recipient of your cover letter, you can sign off with either “ Yours sincerely ,” or “ Yours faithfully ,” . If you addressed the recruiter by their name, sign off with the former; if not, use the latter.

Don't feel like writing your internship cover letter by hand?

Let our AI cover letter writer create the first draft of your internship cover letter!

Undoubtedly, the best way to learn something is to look at specific examples . And that's exactly what we're going to do right now! 

Below, we've prepared 5 internship cover letters written by real people with the help of our cover letter templates .

And, each of them is accompanied by our internship cover letter writing tips that you can implement into your own cover letter! 

FYI, you can use each of these examples as the first draft for your very own internship cover letter – simply click on the red button and start personalising the text (or let AI handle it).

#1 Philips Marketing Intern Cover Letter Sample

Internship cover letter example:.

This cover letter sample was provided by a real person who got hired with Kickresume’s help.

What can you take away?

• Eye-catching header.  Firstly, the header is visually clearly separated from the rest of the text. This makes the recruiters notice it immediately. Plus, the contact information of the company is also featured in the left-hand corner - just like it would be on an actual letter.
• Research the company before applying. Notice sentences like: “ I really like and relate to what Philips stands for … ” and “ Furthermore, it is very appealing that Philips operates on an international level… ”.This shows that the candidate’s done a thorough research of the company's philosophy and structure.

#2 Warner Bros. Public Relations Intern Cover Letter Example

• Share a personal story. This can help you establish a sentimental connection between you and the company. Show them that for you, working for their company means more than any old internship.
• Name-drop a referral. Now, this is a little bit of a cheat code. But, if you happen to know about anyone who has worked/currently works for the company, slip their name into your cover letter.

#3 University of Massachusetts Boston Intern Cover Letter Example

What can you take away  .

• Write about what you want to gain from the internship. It shows that you're not there just to have something to put on your resume; but that you’re motivated by the idea of gaining actual industry knowledge and skills.

#4 Audit/Tax Summer Internship at CohnReznick Cover Letter Sample

• Mention any relevant academic activities. If you're wondering how to write a cover letter for an internship with no experience whatsoever, this is your way to go! For example, notice how this candidate noted all of his relevant courses, skills, association membership, and competition participation.
• Focus on transferrable skills. Especially when your study programme doesn't necessarily fit the internship opening to a T. Instead, focus on any transferable skills you've picked up. 

#5 Intern at NBC Cover Letter Sample

• Keep your opening and closing paragraphs short and sweet. As you can see in this example, it helps keep a certain visual harmony of the overall document. And, despite the length, both paragraphs do exactly what they're supposed to. Besides, recruiters might be discouraged to read the rest of your cover letter if your introductory paragraph is too long.

To sum it all up, an internship cover letter is a formal document that you submit together with your resume when applying for an internship. Its content should be something between a traditional cover letter and a motivational letter.

Its purpose is to introduce yourself to the recruiters in a more personal way than the resume allows. 

The main things you want your internship cover letter to communicate are:

• who you are,
• why you're interested in this opportunity,
• what make you the best fit for the internship, 
• your motivation (your long-term professional goals),
• your desire to learn (what you want to gain from the experience).

To write a truly impactful and persuasive cover letter, we recommend following these 7 key steps: 

• Specify which internship you're applying for in the subject line.
• Include your contact information in a header.
• Address the recipient appropriately.
• Introduce yourself & your motivations in the opening paragraph.
• Elaborate on why you're a good fit and what motivated you in body.
• End your cover letter with a confident closing paragraph.
• Finish off with a polite sign off. 

Finally, if you feel that the examples provided in this article aren't enough, you can always find more in our cover letter database . 

Julia has recently joined Kickresume as a career writer. From helping people with their English to get admitted to the uni of their dreams to advising them on how to succeed in the job market. It would seem that her career is on a steadfast trajectory. Julia holds a degree in Anglophone studies from Metropolitan University in Prague, where she also resides. Apart from creative writing and languages, she takes a keen interest in literature and theatre.

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What is a Letter of Intent? How to Write One for a Job [+ Examples]

Published: March 14, 2024

Standard job applications have a standard set of practices. You turn in a resume and cover letter, and then, if selected, you move through a few rounds of interviews and get the job.

However, not all potential job opportunities start with an application. In fact, many begin with initiative from a job seeker.

Those job seekers will send in a letter of intent rather than a  cover letter . In this article, we’ll take a look at what a letter of intent is and highlight some strategies for writing the best LOI you can. We’ve even included a template to help you get started. 

Here’s what you’ll find:

What is a letter of intent?

Letter of intent vs. cover letter, letter of intent vs. letter of interest, when to use a letter of intent.

How to Write a Letter of Intent for a Job

Letter of Intent Samples

Letter of intent template.

A letter of intent is a less common way of expressing interest in a company. It targets reasons you’re looking for opportunities with a specific organization.

A letter of intent does include elements of a traditional cover letter, such as relevant experience and skills, but it’s used in slightly different contexts. LOIs emphasize alignment between a job seeker and an organization.

There are a few key differences between a  cover letter  and a letter of intent, including:

Context. While a cover letter responds to a specific job listing, a letter of intent targets an organization more generally. It may or may not have a specific job opening at the time that the LOI is sent in.

Focus. A cover letter explains why an applicant is a  good fit for a specific role . An LOI, on the other hand, addresses an individual’s compatibility with an overall organization or more general role.

Initiative. A cover letter is a reactive document responding to a job opening. A letter of intent, however, demonstrates more initiative and provides information before an organization specifically requests it.

22 Job Seeking Templates

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You're all set!

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Letter of intent and  letter of interest  are often used interchangeably. While there are a lot of similarities between the two documents, there are also a few key differences:

Level of intent. Letters of intent have a high level of intentionality, while letters of interest are more exploratory. A letter of intent proposes action, while letters of interest are for information gathering.

Commitment level. A letter of intent is a high-commitment way of expressing interest in a company, while a letter of interest is a lower commitment. An individual is more likely to send out multiple letters of interest. 

Action orientation. A letter of intent always ends with a call to action, while a letter of interest is more laid-back and may not request anything specific from the recipient.

While both letters demonstrate initiative and are closely tailored to the company, they do serve slightly different purposes.

There are lots of scenarios where a job seeker may want to send out a letter of intent. Here are a few examples: 

You have a high level of interest in a specific company, but there’s not an open role.

You are interested in networking with a company in a committed way.

You want to reach out with a formal follow-up after a networking event.

You’re applying to a highly competitive field.

You’re aware of a potential job opportunity with an organization that hasn’t been published yet.

Additionally, students or job seekers switching industries may use letters of intent to apply to educational opportunities like internships and apprenticeships — though those may also be called  cover letters . 

How to Write a Letter of Intent

There are plenty of ways to approach writing a letter of intent for a job. Here’s a step-by-step process for writing your LOI draft:

1. Provide your contact information.  

At the top of your LOI, you’ll want to provide contact information so your recipient can contact you about future opportunities. This can include your phone number, email, and address.

2. Use an appropriate greeting.

For some opportunities, a formal greeting is appropriate. In other situations, a more informal approach may be ideal. If possible, address the specific recipient. 

3. Provide an introduction.  

In the intro paragraphs, you’ll want to tap into three specifics:

Who you are.

Why you’re reaching out.

How you got this company’s information.

Feel free to vary the order of this information. Your LOI intro may be formal or more playful, depending on who you are and the organization you’re submitting to.

4. Dive into your strengths and company alignment.  

An LOI is created to clearly convey why you’re a good fit for the organization. In the body paragraphs of your letter, you’ll want to explain:

• Your strengths.
• What you do.
• How those things would fit with the organization.

5. Guide the conversation into the future.  

All LOIs end with a call to action, which is one of the things that differentiates it from a letter of interest or a cover letter. Map out potential next steps so it’s easy for the reader to take action. It could include:

A request to schedule a meeting.

Making a specific pitch.

Encouraging the recipient to send a follow-up email.

6. Write a thoughtful conclusion .

Conclude your LOI by reiterating your interest in the company. Make sure to thank the recipient for their time, too — there wasn’t a job opening request, so they took time out of their day to read your letter.

If you’re sending your LOI because of an internal referral, be sure to reference them within the letter. 

Let’s go through a few different samples of LOIs and highlight what each does well. Refer to these samples as you draft your own letter of intent for guidance on incorporating the elements of an LOI seamlessly.

Internal Connection

In this letter of intent, Jennifer leverages an internal connection. This is a great way to earn a few extra points when explaining how you know about the business. Beyond that, Jennifer’s experiences align well with the work that the wine bar does.

What I like:  This letter of intent does a great job of personalization, weaving through the internal connection perfectly in a few different spots. A referral is a powerful aid to incorporate into an LOI, and Jennifer did a great job dropping hints of her connection.

Making a Pitch

What I like:  In this letter, Mark is making a pitch. He still covers the bases of a great LOI — discussing his strengths and alignment with the brand. But instead of just calling for a meeting, he makes a pitch that is specific to the organization. This provides value to the recipient and makes Mark look like a strong collaborator. 

Mark could benefit from HubSpot’s CMS Hub to manage his pitches. Lead generation and content creation are important parts of freelancing, and Mark needs to stay organized in order to do it well. Learn more about  HubSpot’s CMS Hub here .

Diving Into Alignment

Letters of intent are standard documents, so you don’t need to worry about reinventing the wheel each time you send one. Use this template as a resource to ensure your letter includes all the important parts.

[Your name]

[Your contact information]

[Recipient’s Name]

[Recipient’s contact information]

Dear  [Recipient or To Whom It May Concern] ,

My name is  [Your Name] ,  [title/relevant information about yourself] , and I heard about your organization through  [how you know the organization] . I’m reaching out to connect. I would love to chat if your team plans on expanding.

I have skills in  [skills]  that I believe would be a great fit for your organization. Your values of  [company values]  are in close alignment with my strengths, and I believe I could make a great contribution.

I believe that my  [abilities/skills/interests]  would benefit your company, and I’d love to talk more about any potential opportunities that arise with  [name of organization] . If interested, please reach out by  [phone/email]  to schedule a time to meet with me.

Thank you for taking the time to read my letter, and I hope to talk with you further in the future.

Of course, you’ll want to edit the template for tone and specifics related to yourself and the organization you’re contacting. 

Finding Success With a Great Letter of Intent

Sending a letter of intent can be vulnerable, but it’s a great way to make new connections and set yourself up for employment success.

Refer to these strategies, samples, and templates to make sure your LOI is going to be the most effective letter possible. Emphasize your alignment with the organization, and you’re sure to see success!

Don't forget to share this post!

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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.

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Reporting by Nathan Layne in Wilton, Connecticut, Tim Reid in Washington and Jack Queen in New York Editing by Colleen Jenkins and Bill Berkrot

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Irish PM-in-waiting Harris faces daunting but not impossible task

After a whirlwind ascent to the top of Irish politics, Simon Harris has little time and few levers to pull to secure a fourth term for his weary centre-right Fine Gael party and prevent a first government led by left-wing Sinn Fein.

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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

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36% of gen z feel guilty about using chatgpt and ai at work.

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Student using AI a laptop computer for work

In recent years, there has been growing concern about artificial intelligence's impact on the future of work. While some argue that AI will lead to job losses and increased inequality, others believe it can enhance productivity and create new opportunities. Gen Z individuals, born after 1996, are better positioned than anyone else to understand the impact of AI on the workplace and show us how to be more productive.

Positive and negative aspects of using ChatGPT in the workplace

The EduBirdie study sheds light on how Generation Z views AI in the workplace, and its findings are both positive and negative. The study surveyed 2,000 Gen Z individuals in the US to determine how they used ChatGPT, an AI-powered language model, in their workplace.

On the one hand, it shows that Gen Z is embracing AI technology to aid them in their work tasks. On the other hand, it reveals that many Gen Z individuals are struggling with the guilt and dependency associated with its use.

The study revealed that 36% of Gen Z respondents felt guilty about using AI to aid them in their work tasks. Additionally, 1 in 3 Gen Z respondents expressed concern about relying too heavily on ChatGPT, as they believed it could limit their critical thinking skills. Furthermore, 18% of respondents stated that it hampered their creativity.

One possible explanation for the mixed reactions to AI is that Gen Z individuals are more aware of the potential consequences of its use than previous generations. They have grown up in an era of rapid technological change, and are more likely to be familiar with AI's ethical and social implications. This may explain why they feel a sense of responsibility and guilt when they rely too heavily on AI in their work tasks.

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Another factor that could be contributing to the mixed reactions to AI is the lack of education and training. The study also revealed that 20% of Gen Z respondents encountered difficulties while using AI in their workplace, with 2% even being dismissed for using ChatGPT.

This highlights the need for better education and training on the proper and effective use of AI in the workplace.

How Generation Z is using AI

Despite the challenges associated with AI, there are also many benefits. The study shows that almost half of Gen Z respondents agreed that AI made them more creative, and 1 in 7 reported an increase in earnings. This suggests that AI has the potential to enhance productivity and create new opportunities, particularly in fields that require creativity and innovation.

The study showed that 49% of respondents agreed that AI made them more creative, with 1 in 7 reporting an increase in their earnings. Gen Z mainly uses ChatGPT for>

• Researching (61%)
• Generating ideas and brainstorming (56%)
• Writing and generating content (42%)
• Refining their resumes and applications to stand out in the hiring process (23%)

Can ChatGPT replace you?

According to a recent survey, Generation Z is not very concerned about AI replacing them in the workplace this year, with only 9% believing it to be a likely possibility by 2024. However, 61% of respondents think AI could take over their jobs in 10 years. Programmers, in particular, use AI to write code for them, so they are wondering if they could be easily replaced by AI, but it's worth noting that although AI-powered assistants like ChatGPT have a vast amount of domain-specific knowledge to write code, they lack the deep experience and expertise needed to solve very specific or complex problems.

AI is here to stay and has the potential to significantly shape the future of work. As AI continues to evolve, we must strike a balance between using it to our advantage and ensuring that we don't become too reliant on it. With the right education and training, we can harness the power of AI to enhance productivity, creativity, and innovation in the workplace.

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