what should i put for my cover letter

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How to write a great cover letter in 2024: tips and structure

A cover letter is a personalized letter that introduces you to a potential employer, highlights your qualifications, and explains why you're a strong fit for a specific job.

Hate or love them, these brief documents allow job seekers to make an impression and stand out from the pile of other applications. Penning a thoughtful cover letter shows the hiring team you care about earning the position.

Here’s everything you need to know about how to write a cover letter — and a great one, at that.

What is a cover letter and why does it matter?

A professional cover letter is a one-page document you submit alongside your CV or resume as part of a job application. Typically, they’re about half a page or around 150–300 words.

An effective cover letter doesn’t just rehash your CV; it’s your chance to highlight your proudest moments, explain why you want the job, and state plainly what you bring to the table.

Show the reviewer you’re likable, talented, and will add to the company’s culture . You can refer to previous jobs and other information from your CV, but only if it helps tell a story about you and your career choices .

What 3 things should you include in a cover letter?

A well-crafted cover letter can help you stand out to potential employers. To make your cover letter shine, here are three key elements to include:

1. Personalization

Address the hiring manager or recruiter by name whenever possible. If the job posting doesn't include a name, research to find out who will be reviewing applications. Personalizing your cover letter shows that you've taken the time to tailor your application to the specific company and role.

2. Highlight relevant achievements and skills

Emphasize your most relevant skills , experiences, and accomplishments that directly relate to the job you're applying for. Provide specific examples of how your skills have benefited previous employers and how they can contribute to the prospective employer's success. Use quantifiable achievements , such as improved efficiency, cost savings, or project success, to demonstrate your impact.

3. Show enthusiasm and fit

Express your enthusiasm for the company and the position you're applying for. Explain why you are interested in this role and believe you are a good fit for the organization. Mention how your values, goals, and skills align with the company's mission and culture. Demonstrating that you've done your research can make a significant impression.

What do hiring managers look for in a cover letter?

Employers look for several key elements in a cover letter. These include:

Employers want to see that your cover letter is specifically tailored to the position you are applying for. It should demonstrate how your skills, experiences, and qualifications align with the job requirements.

Clear and concise writing

A well-written cover letter is concise, easy to read, and error-free. Employers appreciate clear and effective communication skills , so make sure your cover letter showcases your ability to express yourself effectively.

Demonstrated knowledge of the company

Employers want to see that you are genuinely interested in their organization. Mention specific details about the company, such as recent achievements or projects, to show that you are enthusiastic about joining their team.

Achievements and accomplishments

Highlight your relevant achievements and accomplishments that demonstrate your qualifications for the position. Use specific examples to showcase your skills and show how they can benefit the employer.

Enthusiasm and motivation

Employers want to hire candidates who are excited about the opportunity and motivated to contribute to the company's success. Express your enthusiasm and passion for the role and explain why you are interested in working for the company.

Professionalism

A cover letter should be professional in tone and presentation. Use formal language, address the hiring manager appropriately, and follow standard business letter formatting.

How do you structure a cover letter?

A well-structured cover letter follows a specific format that makes it easy for the reader to understand your qualifications and enthusiasm for the position. Here's a typical structure for a cover letter:

Contact information

Include your name, address, phone number, and email address at the top of the letter. Place your contact information at the beginning so that it's easy for the employer to reach you.

Employer's contact information

Opening paragraph, middle paragraph(s), closing paragraph, complimentary close, additional contact information.

Repeat your contact information (name, phone number, and email) at the end of the letter, just in case the employer needs it for quick reference.

Remember to keep your cover letter concise and focused. It should typically be no more than one page in length. Proofread your letter carefully to ensure it is free from spelling and grammatical errors. Tailor each cover letter to the specific job application to make it as relevant and impactful as possible.

How to write a good cover letter (with examples)

The best letters are unique, tailored to the job description, and written in your voice — but that doesn’t mean you can’t use a job cover letter template.

Great cover letters contain the same basic elements and flow a certain way. Take a look at this cover letter structure for ref erence while you construct your own.

1. Add a header and contact information

While reading your cover letter, the recruiter shouldn’t have to look far to find who wrote it. Your document should include a basic heading with the following information:

• Pronouns (optional)
• Location (optional)
• Email address
• Phone number (optional)
• Relevant links, such as your LinkedIn profile , portfolio, or personal website (optional)

You can pull this information directly from your CV. Put it together, and it will look something like this:

Christopher Pike

San Francisco, California

[email protected]

Alternatively, if the posting asks you to submit your cover letter in the body of an email, you can include this information in your signature. For example:

Warm regards,

Catherine Janeway

Bloomington, Indiana

[email protected]

(555) 999 - 2222

2. Include a personal greeting

Always begin your cover letter by addressing the hiring manager — preferably by name. You can use the person’s first and last name. Make sure to include a relevant title, like Dr., Mr., or Ms. For example, “Dear Mr. John Doe.”

Avoid generic openings like “To whom it may concern,” “Dear sir or madam,” or “Dear hiring manager.” These introductions sound impersonal — like you’re copy-pasting cover letters — and can work against you in the hiring process.

Be careful, though. When using someone’s name, you don’t want to use the wrong title or accidentally misgender someone. If in doubt, using only their name is enough. You could also opt for a gender-neutral title, like Mx.

Make sure you’re addressing the right person in your letter — ideally, the person who’s making the final hiring decision. This isn’t always specified in the job posting, so you may have to do some research to learn the name of the hiring manager.

3. Draw them in with an opening story

The opening paragraph of your cover letter should hook the reader. You want it to be memorable, conversational, and extremely relevant to the job you’re pursuing. 

There’s no need for a personal introduction — you’ve already included your name in the heading. But you should make reference to the job you’re applying for. A simple “Thank you for considering my application for the role of [job title] at [company],” will suffice.

Then you can get into the “Why” of your job application. Drive home what makes this specific job and this company so appealing to you. Perhaps you’re a fan of their products, you’re passionate about their mission, or you love their brand voice. Whatever the case, this section is where you share your enthusiasm for the role.

Here’s an example opening paragraph. In this scenario, you’re applying for a digital marketing role at a bicycle company:

“Dear Mr. John Doe,

Thank you for considering my application for the role of Marketing Coordinator at Bits n’ Bikes.

My parents bought my first bike at one of your stores. I’ll never forget the freedom I felt when I learned to ride it. My father removed my training wheels, and my mom sent me barrelling down the street. You provide joy to families across the country — and I want to be part of that.”

4. Emphasize why you’re best for the job

Your next paragraphs should be focused on the role you’re applying to. Highlight your skill set and why you’re a good fit for the needs and expectations associated with the position. Hiring managers want to know what you’ll bring to the job, not just any role.

Start by studying the job description for hints. What problem are they trying to solve with this hire? What skills and qualifications do they mention first or more than once? These are indicators of what’s important to the hiring manager.

Search for details that match your experience and interests. For example, if you’re excited about a fast-paced job in public relations, you might look for these elements in a posting:

• They want someone who can write social media posts and blog content on tight deadlines
• They value collaboration and input from every team member
• They need a planner who can come up with strong PR strategies

Highlight how you fulfill these requirements:

“I’ve always been a strong writer. From blog posts to social media, my content pulls in readers and drives traffic to product pages. For example, when I worked at Bits n’ Bikes, I developed a strategic blog series about bike maintenance that increased our sales of spare parts and tools by 50% — we could see it in our web metrics.

Thanks to the input of all of our team members, including our bike mechanics, my content delivered results.”

5. End with a strong closing paragraph and sign off gracefully

Your closing paragraph is your final chance to hammer home your enthusiasm about the role and your unique ability to fill it. Reiterate the main points you explained in the body paragraphs and remind the reader of what you bring to the table.

You can also use the end of your letter to relay other important details, like whether you’re willing to relocate for the job.

When choosing a sign-off, opt for a phrase that sounds professional and genuine. Reliable options include “Sincerely” and “Kind regards.”

Here’s a strong closing statement for you to consider:

“I believe my enthusiasm, skills, and work experience as a PR professional will serve Bits n’ Bikes very well. I would love to meet to further discuss my value-add as your next Director of Public Relations. Thank you for your consideration. I hope we speak soon.

Tips to write a great cover letter that compliments your resume

When writing your own letter, try not to copy the example excerpts word-for-word. Instead, use this cover letter structure as a baseline to organize your ideas. Then, as you’re writing, use these extra cover letter tips to add your personal touch:

• Keep your cover letter different from your resume : Your cover letter should not duplicate the information on your resume. Instead, it should provide context and explanations for key points in your resume, emphasizing how your qualifications match the specific job you're applying for.
• Customize your cover letter . Tailor your cover letter for each job application. Address the specific needs of the company and the job posting, demonstrating that you've done your homework and understand their requirements.
• Show enthusiasm and fit . Express your enthusiasm for the company and position in the cover letter. Explain why you are interested in working for this company and how your values, goals, and skills align with their mission and culture.
• Use keywords . Incorporate keywords from the job description and industry terms in your cover letter. This can help your application pass through applicant tracking systems (ATS) and demonstrate that you're well-versed in the field.
• Keep it concise . Your cover letter should be succinct and to the point, typically no more than one page. Focus on the most compelling qualifications and experiences that directly support your application.
• Be professional . Maintain a professional tone and structure in your cover letter. Proofread it carefully to ensure there are no errors.
• Address any gaps or concerns . If there are gaps or concerns in your resume, such as employment gaps or a change in career direction, briefly address them in your cover letter. Explain any relevant circumstances and how they have shaped your qualifications and determination.
• Provide a call to action . Conclude your cover letter with a call to action, inviting the employer to contact you for further discussion. Mention that you've attached your resume for their reference.
• Follow the correct format . Use a standard cover letter format like the one above, including your contact information, a formal salutation, introductory and closing paragraphs, and your signature. Ensure that it complements your resume without redundancy.
• Pick the right voice and tone . Try to write like yourself, but adapt to the tone and voice of the company. Look at the job listing, company website, and social media posts. Do they sound fun and quirky, stoic and professional, or somewhere in-between? This guides your writing style.
• Tell your story . You’re an individual with unique expertise, motivators, and years of experience. Tie the pieces together with a great story. Introduce how you arrived at this point in your career, where you hope to go , and how this prospective company fits in your journey. You can also explain any career changes in your resume.
• Show, don’t tell . Anyone can say they’re a problem solver. Why should a recruiter take their word for it if they don’t back it up with examples? Instead of naming your skills, show them in action. Describe situations where you rose to the task, and quantify your success when you can.
• Be honest . Avoid highlighting skills you don’t have. This will backfire if they ask you about them in an interview. Instead, shift focus to the ways in which you stand out.
• Avoid clichés and bullet points . These are signs of lazy writing. Do your best to be original from the first paragraph to the final one. This highlights your individuality and demonstrates the care you put into the letter.
• Proofread . Always spellcheck your cover letter. Look for typos, grammatical errors, and proper flow. We suggest reading it out loud. If it sounds natural rolling off the tongue, it will read naturally as well.

Common cover letter writing FAQs

How long should a cover letter be.

A cover letter should generally be concise and to the point. It is recommended to keep it to one page or less, focusing on the most relevant information that highlights your qualifications and fits the job requirements.

Should I include personal information in a cover letter?

While it's important to introduce yourself and provide your contact information, avoid including personal details such as your age, marital status, or unrelated hobbies. Instead, focus on presenting your professional qualifications and aligning them with the job requirements.

Can I use the same cover letter for multiple job applications?

While it may be tempting to reuse a cover letter, it is best to tailor each cover letter to the specific job you are applying for. This allows you to highlight why you are a good fit for that particular role and show genuine interest in the company.

Do I need to address my cover letter to a specific person?

Whenever possible, it is advisable to address your cover letter to a specific person, such as the hiring manager or recruiter. If the job posting does not provide this information, try to research and find the appropriate contact. If all else fails, you can use a generic salutation such as "Dear Hiring Manager."

Should I include references in my cover letter?

It is generally not necessary to include references in your cover letter. Save this information for when the employer explicitly requests it. Instead, focus on showcasing your qualifications and achievements that make you a strong candidate for the position.

It’s time to start writing your stand-out cover letter

The hardest part of writing is getting started. 

Hopefully, our tips gave you some jumping-off points and confidence . But if you’re really stuck, looking at cover letter examples and resume templates will help you decide where to get started. 

There are numerous sample cover letters available online. Just remember that you’re a unique, well-rounded person, and your cover letter should reflect that. Using our structure, you can tell your story while highlighting your passion for the role. 

Doing your research, including strong examples of your skills, and being courteous is how to write a strong cover letter. Take a breath , flex your fingers, and get typing. Before you know it, your job search will lead to a job interview.

If you want more personalized guidance, a specialized career coach can help review, edit, and guide you through creating a great cover letter that sticks.

Ace your job search

Explore effective job search techniques, interview strategies, and ways to overcome job-related challenges. Our coaches specialize in helping you land your dream job.

Elizabeth Perry, ACC

Elizabeth Perry is a Coach Community Manager at BetterUp. She uses strategic engagement strategies to cultivate a learning community across a global network of Coaches through in-person and virtual experiences, technology-enabled platforms, and strategic coaching industry partnerships. With over 3 years of coaching experience and a certification in transformative leadership and life coaching from Sofia University, Elizabeth leverages transpersonal psychology expertise to help coaches and clients gain awareness of their behavioral and thought patterns, discover their purpose and passions, and elevate their potential. She is a lifelong student of psychology, personal growth, and human potential as well as an ICF-certified ACC transpersonal life and leadership Coach.

3 cover letter examples to help you catch a hiring manager’s attention

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How to Write a Cover Letter [Full Guide & Examples for 2024]

After weeks of heavy job searching, 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 in your application and call it a day, you remember that you need to write a cover letter too.

So now, you’re stuck staring at a blank page, wondering where to start...

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.

We're going to cover:

What Is a Cover Letter?

• How to Write the Perfect Cover Letter, Step by Step
• 15+ Job-Winning Cover Letter Examples

Let’s get started.

A cover letter is a document that you submit as part of your job application, alongside your resume or CV.

The purpose of a cover letter is to introduce you and briefly summarize your professional background. On average, it should be around 250 to 400 words long .

A good cover letter is supposed to impress the hiring manager and convince them you’re worth interviewing as a candidate.

So, how can your cover letter achieve this?

First of all, it should complement your resume, not copy it. Your cover letter is your chance to elaborate on important achievements, skills, or anything else that your resume doesn’t give you the space to cover. 

For example, if you have an employment gap on your resume, the cover letter is a great place to explain why it happened and how it helped you grow as a person. 

If this is your first time writing a cover letter, writing about yourself might seem complicated. But don’t worry—you don’t need to be super creative or even a good writer .

All you have to do is follow this tried and tested cover letter structure:

• Header. Add all the necessary contact information at the top of your cover letter.
• Formal greeting. Choose an appropriate way to greet your target audience.
• Introduction. Introduce yourself in the opening paragraph and explain your interest in the role.
• Body. Elaborate on why you’re the best candidate for the job and a good match for the company. Focus on “selling” your skills, achievements, and relevant professional experiences.
• Conclusion. Summarize your key points and wrap it up professionally.

Now, let’s take a look at an example of a cover letter that follows our structure perfectly:

New to cover letter writing? Give our cover letter video a watch before diving into the article!

When Should You Write a Cover Letter?

You should always include a cover letter in your job application, even if the hiring manager never reads it. Submitting a cover letter is as important as submitting a resume if you want to look like a serious candidate.

If the employer requests a cover letter as part of the screening process, not sending one is a huge red flag and will probably get your application tossed into the “no” pile immediately.

On the other hand, if the job advertisement doesn’t require a cover letter from the candidates, adding one shows you went the extra mile.

Putting in the effort to write a cover letter can set you apart from other candidates with similar professional experience and skills, and it could even sway the hiring manager to call you for an interview if you do it right.

Need to write a letter to help get you into a good school or volunteer program? Check out our guide to learn how to write a motivation letter !

How to Write the Perfect Cover Letter

Now that you know what a cover letter is, it’s time to learn how to write one!

We’ll go through the process in detail, step by step.

#1. Choose 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, stylish template?

Just choose one of our hand-picked cover letter templates , and you’ll be all set in no time!

As a bonus, our intuitive AI will even give you suggestions on how to improve your cover letter as you write it. You’ll have the perfect cover letter done in minutes!

#2. Put Contact Information in the Header

As with a resume, it’s important to 

start your cover letter

 with your contact details at the top. These should be in your cover letter’s header, separated neatly from the bulk of your text.

Here, you want to include all the essential contact information , including:

• Full Name. Your first and last name should stand out at the top.
• Job Title. Match the professional title underneath your name to the exact job title of the position you’re applying for. Hiring managers often hire for several roles at once, so giving them this cue about what role you’re after helps things go smoother.
• Email Address. Always use a professional and easy-to-spell email address. Ideally, it should combine your first and last names.
• Phone Number. Add a number where the hiring manager can easily reach you.
• Location. Add your city and state/country, no need for more details.
• Relevant Links (optional). You can add links to websites or social media profiles that are relevant to your field. Examples include a LinkedIn profile , Github, or an online portfolio.

Then it’s time to add the recipient’s contact details, such as:

• Hiring Manager's Name. If you can find the name of the hiring manager, add it.
• Hiring Manager's Title. While there’s no harm in writing “hiring manager,” if they’re the head of the department, we recommend you use that title accordingly.
• Company Name. Make sure to write the name of the company you're applying to.
• Location. The city and state/country are usually enough information here, too.
• Date of Writing (Optional). You can include the date you wrote your cover letter for an extra professional touch.

#3. Address the Hiring Manager

Once you’ve properly listed all the contact information, it’s time to start writing the content of the cover letter.

The first thing you need to do here is to address your cover letter directly to the hiring manager.

In fact, you want to address the hiring manager personally .

Forget the old “Dear Sir or Madam” or the impersonal “To Whom It May Concern.” You want to give your future boss a good impression and show them that you did your research before sending in your application.

No one wants to hire a job seeker who just spams 20+ companies and hopes something sticks with their generic approach

So, how do you find out who’s the hiring manager?

First, check the job ad. The hiring manager’s name might be listed somewhere in it.

If that doesn’t work, check the company’s LinkedIn page. You just need to look up the head of the relevant department you’re applying to, and you’re all set.

For example, if you’re applying for the position of Communication Specialist at Novorésumé. The hiring manager is probably the Head of Communications or the Chief Communications Officer.

Here’s what you should look for on LinkedIn:

And there you go! You have your hiring manager.

But let’s say you’re applying for a position as a server . In that case, you’d be looking for the “restaurant manager” or “food and beverage manager.”

If the results don’t come up with anything, try checking out the “Team” page on the company website; there’s a good chance you’ll at least find the right person there.

Make sure to address them as Mr. or Ms., followed by their last name. If you’re not sure about their gender or marital status, you can just stick to their full name, like so:

• Dear Mr. Kurtuy,
• Dear Andrei Kurtuy,

But what if you still can’t find the hiring manager’s name, no matter where you look?

No worries. You can direct your cover letter to the company, department, or team as a whole, or just skip the hiring manager’s name.

• Dear [Department] Hiring Manager
• Dear Hiring Manager
• Dear [Department] Team
• Dear [Company Name]

Are you applying for a research position? Learn how to write an academic personal statement .

#4. Write an Eye-Catching Introduction

First impressions matter, especially when it comes to your job search.

Hiring managers 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 biggest problem with most opening paragraphs is that they’re usually extremely generic. Here’s an example:

• 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 anything except the fact that you’ve worked the job before.

And do you know who else has similar work experience? All the other applicants you’re competing with.

Instead, you want to start with some of your top achievements to grab the reader’s attention. And to get the point across, the achievements should be as relevant as possible to the position.

Your opening paragraph should also show the hiring manager a bit about why you want this specific job. For example, mention how the job relates to your plans for the future or how it can help you grow professionally. This will show the hiring manager that you’re not just applying left and right—you’re actually enthusiastic about getting this particular role.

Now, let’s make our previous example shine:

Dear Mr. Smith,

My name’s Michael, and I’d like to help XYZ Inc. hit and exceed its sales goals as a Sales Manager. I’ve worked as a Sales Representative with Company X, another fin-tech company , for 3+ years, where I generated an average of $30,000+ in sales per month and beat the KPIs by around 40%. I believe that my previous industry experience, passion for finance , and excellence in sales make me the right candidate for the job.

The second candidate starts with what they can do for the company in the future and immediately lists an impressive and relevant achievement. Since they’re experienced in the same industry and interested in finance, the hiring manager can see they’re not just a random applicant.

From this introduction, it’s safe to say that the hiring manager would read the rest of this candidate’s cover letter.

#5. Use the Cover Letter Body for Details

The next part of your cover letter is where you can go into detail about what sets you apart as a qualified candidate for the job.

The main thing you need to remember here is that you shouldn’t make it all about yourself . Your cover letter is supposed to show the hiring manager how you relate to the job and the company you’re applying to.

No matter how cool you make yourself sound in your cover letter, if you don’t tailor it to match what the hiring manager is looking for, you’re not getting an interview.

To get this right, use the job ad as a reference when writing your cover letter. Make sure to highlight skills and achievements that match the job requirements, and you’re good to go.

Since this part of your cover letter is by far the longest, you should split it into at least two paragraphs.

Here’s what each paragraph should cover:

Explain Why You’re the Perfect Candidate for the Role

Before you can show the hiring manager that you’re exactly what they’ve been looking for, you need to know what it is they’re looking for.

Start by doing a bit of research. Learn what the most important skills and responsibilities of the role are according to the job ad, and focus on any relevant experience you have that matches them.

For example, if you’re applying for the position of a Facebook Advertiser. The top requirements on the job ad are:

• Experience managing a Facebook ad budget of $10,000+ / month
• Some skills in advertising on other platforms (Google Search + Twitter)
• Excellent copywriting skills

So, in the body of your cover letter, you need to show how you meet these requirements. Here’s an example of what that can look like:

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 $40,000+ . As the sole digital marketer at the company, I managed the ad creation and management process end-to-end. I created the ad copy and 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

Our example addresses all the necessary requirements and shows off the candidate’s relevant skills.

Are you a student applying for your first internship? Learn how to write an internship cover letter with our dedicated guide.

Explain Why You’re a Good Fit for the Company

As skilled and experienced as you may be, that’s not all the hiring manager is looking for.

They also want someone who’s a good fit for their company and who actually wants to work there.

Employees who don’t fit in with the company culture are likely to quit sooner or later. This ends up costing the company a ton of money, up to 50% of the employee’s annual salary , so hiring managers vet candidates very carefully to avoid this scenario.

So, you have to convince the hiring manager that you’re passionate about working with them.

Start by doing some research about the company. You want to know things like:

• What’s the company’s business model?
• What’s the company’s product or service? Have you used it?
• What’s the company’s culture like?

Chances are, you’ll find all the information you need either on the company website or on job-search websites like Jobscan or Glassdoor.

Then, pick your favorite thing about the company and talk about it in your cover letter.

But don’t just describe the company in its own words just to flatter them. Be super specific—the hiring manager can see through any fluff.

For example, if you’re passionate about their product and you like the company’s culture of innovation and independent work model, you can 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 strives for excellence in all its product lines, creating market-leading tech. As someone who thrives in a self-driven environment, I truly believe that I’ll be a great match for your Product Design team.

So, make sure to do your fair share of research and come up with good reasons why you're applying to that specific company.

Is the company you want to work for not hiring at the moment? Check out our guide to writing a letter of interest .

#6. Wrap It Up and Sign It

Finally, it’s time to conclude your cover letter.

In the final paragraph, you want to:

• Wrap up any points you couldn't make in the previous paragraphs. Do you have anything left to say? If there’s any other information that could help the hiring manager make their decision, mention it here. If not, just recap your key selling points so far, such as key skills and expertise.
• Express gratitude. Politely thanking the hiring manager for their time is always a good idea.
• Finish the cover letter with a call to action. The very last sentence in your cover letter should be a call to action. This means you should ask the hiring manager to do something, like call you and discuss your application or arrange an interview.
• Remember to sign your cover letter. Just add a formal closing line and sign your name at the bottom.

Here’s an example of how to end your cover letter :

I hope to help Company X make the most 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. Please don’t hesitate to reach out to me at the provided email address or phone number so that we may arrange an interview.

Thank you for your consideration,

Alice Richards

Feel free to use one of these other popular closing lines for your cover letter:

• Best Regards,
• Kind Regards,

Cover Letter Writing Checklist

Once you’re done with your cover letter, it’s time to check if it meets all industry requirements. 

Give our handy cover letter writing checklist a look to make sure:

Does your cover letter heading include all essential information?

• Professional Email
• Phone Number
• Relevant Links

Do you address the right person? 

• The hiring manager in the company
• Your future direct supervisor
• The company/department in general

Does your introductory paragraph grab the reader's attention?

• Did you mention some of your top achievements?
• Did you use numbers and facts to back up your experience?
• Did you convey enthusiasm for the specific role?

Do you show that you’re the right candidate for the job?

• Did you identify the core requirements for the role?
• Did you show how your experiences helped 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 conclude your cover letter properly?

• Did you recap your key selling points in the conclusion?
• Did you end your cover letter with a call to action?
• Did you use the right formal closing line and sign your name?

15 Cover Letter Tips

Now you’re all set to write your cover letter! 

Before you start typing, here are some cover letter tips to help take your cover letter to the next level:

• Customize Your Cover Letter for Each Job. Make sure your cover letter is tailored to the job you're applying for. This shows you're not just sending generic applications left and right, and it tells the hiring manager you’re the right person for the job.
• Showcase Your Skills. Talk about how your skills meet the company’s needs. And while your hard skills should be front and center, you shouldn’t underestimate your soft skills in your cover letter either.
• Avoid Fluff. Don’t make any generic statements you can’t back up. The hiring manager can tell when you’re just throwing words around, and it doesn’t make your cover letter look good.
• Use Specific Examples. Instead of saying you're great at something, give an actual example to back up your claim. Any data you can provide makes you sound more credible, so quantify your achievements. For example, give numbers such as percentages related to your performance and the timeframe it took to accomplish certain achievements.
• Research the Company. Always take time to learn about the company you're applying to. Make sure to mention something about them in your cover letter to show the hiring manager that you're interested.
• Follow the Application Instructions. If the job posting asks for something specific in your cover letter or requires a certain format, make sure you include it. Not following instructions can come off as unattentive or signal to the hiring manager that you’re not taking the job seriously.
• Use the Right Template and Format. Choose the right cover letter format and adapt your cover letter’s look to the industry you’re applying for. For example, if you’re aiming for a job in Law or Finance, you should go for a cleaner, more professional look. But if you’re applying for a field that values innovation, like IT or Design, you have more room for creativity.
• Express Your Enthusiasm. Let the hiring manager know why you're excited about the job. Your passion for the specific role or the field in general can be a big selling point, and show them that you’re genuinely interested, not just applying left and right.
• Address Any Gaps. If there are any employment gaps in your resume , your cover letter is a great place to mention why. Your resume doesn’t give you enough space to elaborate on an employment gap, so addressing it here can set hiring managers at ease—life happens, and employers understand.
• Avoid Quirky Emails. Your email address should be presentable. It’s hard for a hiring manager to take you seriously if your email address is “[email protected].” Just use a [email protected] format.
• Check Your Contact Information. Typos in your email address or phone number can mean a missed opportunity. Double-check these before sending your application.
• Mention if You Want to Relocate. If you’re looking for a job that lets you move somewhere else, specify this in your cover letter.
• Keep It Brief. You want to keep your cover letter short and sweet. Hiring managers don’t have time to read a novel, so if you go over one page, they simply won’t read it at all.
• Use a Professional Tone. Even though a conversational tone isn’t a bad thing, remember that it's still a formal document. Show professionalism in your cover letter by keeping slang, jargon, and emojis out of it.
• Proofread Carefully. Typos and grammar mistakes are a huge deal-breaker. Use a tool like Grammarly or QuillBot to double-check your spelling and grammar, or even get a friend to check it for you.

15+ Cover Letter Examples

Need some inspiration? Check out some perfect cover letter examples for different experience levels and various professions.

5+ Cover Letter Examples by Experience

#1. college student cover letter example.

Check out our full guide to writing a college student cover letter here.

#2. Middle Management Cover Letter Example

Check out our full guide to writing a project manager cover letter here.

#3. Team Leader Cover Letter Example

Check out our full guide to writing a team leader cover letter here.

#4. Career Change Cover Letter Example

Check out our full guide to a career change resume and cover letter here.

#5. Management Cover Letter Example

Check out our full guide to writing a management cover letter here.

#6. Senior Executive Cover Letter Example

Check out our full guide to writing an executive resume here.

9+ Cover Letter Examples by Profession

#1. it cover letter example.

Check out our full guide to writing an IT cover letter here.

#2. Consultant Cover Letter Example

Check out our full guide to writing a consultant cover letter here.

#3. Human Resources Cover Letter

Check out our full guide to writing a human resources cover letter here.

#4. Business Cover Letter Example

Check out our full guide to writing a business cover letter here.

#5. Sales Cover Letter Example

Check out our full guide to writing a sales cover letter here.

#6. Social Worker Cover Letter

Check out our full guide to writing a social worker cover letter here.

#7. Lawyer Cover Letter

Check out our full guide to writing a lawyer cover letter here.

#8. Administrative Assistant Cover Letter

Check out our full guide to writing an administrative assistant cover letter here.

#9. Engineering Cover Letter Example

Check out our full guide to writing an engineer cover letter here.

#10. Receptionist Cover Letter Example

Check out our full guide to writing a receptionist cover letter here.

Need more inspiration? Check out these cover letter examples to learn what makes them stand out.

Plug & Play Cover Letter Template

Not sure how to start your cover letter? Don’t worry!

Just copy and paste our free cover letter template into the cover letter builder, and swap out the blanks for your details.

[Your Full Name]

[Your Profession]

[Your Phone Number]

[Your Email Address]

[Your Location]

[Your LinkedIn Profile URL (optional)]

[Your Personal Website URL (optional)]

[Recipient's Name, e.g., Jane Doe],

[Recipient's Position, e.g., Hiring Manager]

[Company Name, e.g., ABC Corporation]

[Company Address]

[City, State/Country]

Dear [Recipient's Name],

As a seasoned [Your Profession] with [Number of Years of Experience] years of industry experience, I am eager to express my interest in the [Job Title] position at [Company Name]. With my experience in [Your Industry/Sector] and the successes I've achieved throughout my education and career, I believe I can bring unique value and creativity to your team.

In my current role as [Your Current Job Title], I've taken the lead on more than [Number of Projects/Assignments] projects, some valued up to $[Highest Project Value]. I pride myself on consistently exceeding client expectations and have successfully [Mention a Key Achievement] in just a [Amount of Time] through [Skill] and [Skill].

I've collaborated with various professionals, such as [List Roles], ensuring that all [projects/tasks] meet [relevant standards or objectives]. This hands-on experience, coupled with my dedication to understanding each [client's/customer's] vision, has equipped me to navigate and deliver on complex projects.

My key strengths include:

• Improving [Achievement] by [%] over [Amount of Time] which resulted in [Quantified Result].
• Optimizing [Work Process/Responsibility] which saved [Previous Employer] [Amount of Time/Budget/Other Metric] over [Weeks/Months/Years]
• Spearheading team of [Number of People] to [Task] and achieving [Quantified Result].

Alongside this letter, I've attached my resume. My educational background, a [Your Degree] with a concentration in [Your Specialization], complements the practical skills that I'm particularly eager to share with [Company Name].

I'm excited about the possibility of contributing to [Something Notable About the Company or Its Mission]. I'd be grateful for the chance to delve deeper into how my expertise aligns with your needs.

Thank you for considering my application, and I look forward to hearing from you soon.

The Heart of 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 falls through.

After all, your cover letter is meant to complement your resume. Imagine going through all this effort to leave an amazing first impression in your cover letter, only for the hiring manager to never read it because your resume was mediocre.

But don’t worry; we’ve got you covered here, too.

Check out our dedicated guide on how to make a resume and learn everything you need to know to land your dream job!

Just pick one of our resume templates and start writing your own job-winning resume.

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’s meant to convince the hiring manager that you’re the best candidate for the job.
• Your job application should always include a cover letter alongside your resume.
• To grab the hiring manager’s attention, write a strong opening paragraph. Mention who you are, why you’re applying, and a standout achievement to pique their interest.
• Your cover letter should focus on why you’re the perfect candidate for the job and why you’re passionate about working in this specific company.
• Use the body of your cover letter to provide details on your skills, achievements, and qualifications, as well as make sure to convey your enthusiasm throughout your whole cover letter.
• Recap your key selling points towards the end of your cover letter, and end it with a formal closing line and your full name signed underneath.

At Novorésumé, we’re committed to helping you get the job you deserve every step of the way! 

Follow our career blog for more valuable advice, or check out some of our top guides, such as:

• How to Make a Resume in 2024 | Beginner's Guide
• How to Write a CV (Curriculum Vitae) in 2024 [31+ Examples]
• 35+ Job Interview Questions and Answers [Full List]

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How to write a cover letter.

A cover letter introduces you to an employer and asks them to think about your application. 

It’s a short letter, usually 3 to 5 paragraphs long.

When to include a cover letter

You should always include a cover letter when you apply for a job using a CV. 

You can write it as an email if you’re applying online or print a copy to go with a paper application.

When writing a cover letter, let the employer know you’re keen by showing that you’ve researched the company. Learn more about what they do through:

• their website
• recent news articles
• talking to people you know who work there

Send it to the right person

It's important to try to address your cover letter to someone by name. Check you have the details of the person you need to send it to. 

You'll need their name and preferred title. For example, ‘Dr’, ‘Mr’, ‘Mrs’, ‘Ms’, and their job title. You should also make sure you have the right company name and address, including postcode.

If you do not know their name

If the job advert does not include a name you can check the company website. Try to find details of the head of the department, head of human resources or a recruitment manager.

If you still cannot find a name, you can start your letter with ‘Dear Sir or Madam’.

Introduction

Introduce yourself and explain how you found the advertised job. You can mention the job title, and reference number if there is one. 

If you’re asking about any job openings and not applying to a vacancy, tell them what sort of job you’re looking for. Let the employer see how keen you are to work for them.

Show you're right for the job

Highlight the skills and experience you have that match what the employer is looking for. 

Convince them that you're enthusiastic about working for them. Let them know you share their work values, culture and style.

Give extra information

If you have gaps in your employment history, you could talk about the skills you gained while you were out of work.

If you’ve mentioned on your CV that you have a disability, you might want to talk more about this in your cover letter. Organisations like Disability UK can give you advice on how to do this. You do not have to mention your disability at this stage if you prefer not to.

You can get more help with specialist advice on finding work if you have a disability.

Ending your cover letter

Thank the employer for considering your application. Let them know that they can get more details from your CV, and tell them you're looking forward to hearing from them.

Let them know how they can best contact you. Make sure your contact details are correct on both your cover letter and CV.

Yours sincerely or yours faithfully

If you know the name of the person you’re writing to, you should end the letter with ‘Yours sincerely’.

If you’ve addressed the letter ‘Dear Sir or Madam’, you should end the letter with ‘Yours faithfully’.

Tips for writing a cover letter

When writing your cover letter, remember to:

• write a new one for every job you apply for and make sure it’s tailored to the company and the specific role
• use the same font and size as you do for your CV, so it looks consistent
• make sure the company name and recruiter’s details are correct
• use the right language and tone: keep it professional and match the keywords used by the employer in their job advert
• show you’ve done your research into the job and the company
• highlight your most relevant skills and experience to stand out from other applicants
• back up any statements you make with facts and use the STAR method
• double check spelling and grammar before you send it
• keep a copy of your cover letter as they may ask you about it in an interview

Related content

How to write a CV

Completing application forms

Interview tips

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The 18 Do’s and Don’ts of Cover Letters Every Job Seeker Should Know

Posted: May 8, 2024 | Last updated: May 8, 2024

Most job seekers don’t spend nearly enough time working on their cover letters, assuming that their resume is enough to get them an interview. But when there is competition, a great cover letter can be the difference between getting an interview and getting passed over. 

Your cover letter is your first impression when you’re applying for a new job, and it should be a good one. It’s also an opportunity to show your personality and demonstrate why you’re a perfect fit for the role.

Writing a cover letter can be a daunting task, but you can do a few simple things to make the process easier. Here are some easy do’s and don’ts that can help you write a great cover letter that will impress employers.

Sell Yourself

Like your resume, your cover letter is your chance to brag (professionally) about why they should hire you. Be proud of your skills and accomplishments, and use them to explain why you are the best candidate for the job.

When you sit down to write a cover letter, think about what will grab the hiring manager’s attention and make them want to learn more about you. What can you say about your skills and experience that will set you apart from the other candidates?

If you can, include specific examples of times when you have excelled in a similar role.

Answer the Question: Why Do You Want to Work Here?

You can be more human and personable in your cover letter than in your resume. So be sure to tell the reader why you want the job . This is especially true if you are making a career change or have been out of work for a while. 

Briefly explain your situation so that the hiring manager doesn’t have any questions about why you’re applying. 

For example, you can say something as simple as: “After ten years of working in office administration, I am interested in finding new challenges in the marketing industry.” 

Address How You Meet the Needs of the Organization

There’s a reason most job applications require a resume and a cover letter. A cover letter gives you a chance to communicate with the organization and elaborate on your resume. It’s your opportunity to explain how you meet the organization’s needs and why you should be selected for an interview.  

When writing a cover letter, it’s important to focus on how you can help the company reach its goals. You need to do your research to do this.

Find out the company’s goals and plans for achieving them. Then, craft a cover letter that demonstrates how your skills and experience can help the company succeed. 

You can also use your cover letter to address some of the other job needs that may be difficult to include on your resume. These are things like having a driver’s license and access to a vehicle or details about your availability, such as when you can start.

Personalize Each Letter

Each employer should receive a personalized cover letter, but don’t worry! You can create one or two cover letter templates and tailor them for each job, just like you should do for your resume.

People still expect your cover letter to follow the formal letter format that includes the date, your name and contact information, and the company’s contact information. Be sure to update each cover letter so that it has the correct details and is addressed to the right person. Addressing your cover letter to the wrong person or sending the wrong letter with your resume probably won’t get a second look. 

If you can’t find who to address the letter to, it’s better to use something generic like “hiring manager” or “hiring team” than the wrong name.

Keep it Short

Almost everyone will tell you that your cover letter must be one page. In most cases, this is great advice. Limiting yourself to one page helps you avoid repetition and really focus on what the hiring manager needs to know.

But the truth is, your cover letter should be as long as it needs to be. 

I have been successful in submitting a two-page cover letter in the past. In this case, I was applying for a position that was actually two part-time jobs combined into one full-time job. The two roles were related but required different skills, so there was no way to address them all with a single-page cover letter.

Make sure your cover letter is free of spelling and grammatical errors. Use Grammarly (which is free) to catch spelling errors, grammar mistakes, and other language issues that you may overlook. This attention to detail will show the employer that you are taking the time to make sure that your letter is professional and that you are taking the job seriously. 

Proofreading your own cover letter (and resume) can be difficult because you have likely read it so many times that you no longer see the mistakes. Having someone else take a look at it with fresh eyes can be helpful. In addition, they may be able to offer suggestions for improvements or point out information that is missing.

Get Their Attention Right Away

Almost every cover letter starts in the same boring way: “I am writing to apply for the [position] job at [company].” This does not tell the employer anything about you or why you are qualified for the job. 

Instead, use the first paragraph to grab the employer’s attention and make them want to read more. 

You can do a few things to make your first paragraph truly stand out: 

• Tell them right away why you are qualified for the position. If you have work experience that matches the required qualifications, mention it first. 
• Use strong, active language to engage the employer and show that you are enthusiastic about the position. 
• Talk about your transferable skills, such as those you gained from previous jobs, volunteering, leadership roles, or your side hustle. Use specific examples to demonstrate how you have used these skills in the past and how they will help you succeed in the position you are applying for.

Starting your cover letter with a strong hook will immediately set you apart from other candidates and demonstrate your dedication and enthusiasm for the role.

Use Action Words

Use strong action words on your cover letter, such as: created, managed, oversaw, and implemented. These words will demonstrate your ability to take charge and get things done. Hiring managers are looking for candidates who can take the initiative and get the job done, so make sure to highlight your relevant experience and skills by using descriptive words .

Address Employment Gaps or Potential Concerns

Your cover letter is also an opportunity to explain any gaps in your employment history or to address any concerns that the employer might have about your candidacy. For example, if you took a few years off to raise your children, use your cover letter to explain how this has prepared you to return to the workforce and be an even better employee.

If you are out of work, don’t try to hide it. Employers may eventually discover the truth, so it’s better to be honest with them from the start.

Explain your situation briefly and focus on the positive – what you have been doing to stay busy and how you are excited to put your skills to use in a new role. Honesty is always the best policy, and employers will appreciate your transparency.

Don’t Repeat Your Resume

Now that you know what you should be doing on your cover letter, let’s talk about some of the things you need to avoid. 

Your cover letter is meant to elaborate on your resume, not repeat it. If it doesn’t tell us anything more than your resume already does, why are you even bothering to write one?

Hiring managers don’t want to read the same information twice. They want to see how you can add value to their organization, not just a list of your past accomplishments.

Use your cover letter to talk about your skills and experience in a more natural way. Expand on what you want an employer to know about yourself and your application. 

Don’t Be Negative

If you are applying for a new job, you are either unemployed or underemployed, hate your current job , or are worried that you may be about to lose it. None of these situations are fun to be in, but you can’t let that show in your cover letter. You have to keep it positive!

You want to show the employer that you are excited about the opportunity and are confident in your ability to do the job. 

If you hate your current job, focus on how you are looking for a new challenge and how you believe this job will be a better fit for you. Or, if you are worried you may lose your job, focus on how you are proactive and are already looking for new opportunities. 

Don’t Discuss Why You Need the Job

Everyone knows that you need a job to make money to support yourself and your family. You don’t need to explain this or the details of your specific situation in your cover letter. Mentioning that you are hoping to buy a new house next year doesn’t matter to an employer. 

What does matter to an employer is what you can do for them. They want to know how you will:

• make their company more money
• save them money
• make their company more efficient
• help them to avoid potential problems

In your cover letter, focus on what you can do for the employer, not on what they can do for you. 

Don’t Make Excuses

Making excuses will only draw more attention to your weaknesses or make you sound like a difficult person to work with.

If you don’t meet 100% of the qualifications they are looking for, that’s okay – just don’t point it out! Let them decide if it’s a deal-breaker or if they are willing to train you in that specific area. They might not even notice!

Avoid making excuses for past job experiences or choices that might negatively reflect on you. If you were fired from a job, for example, simply state that the job wasn’t a good fit and move on. Don’t try to justify your actions or make excuses—this will only make you look bad.

Don’t Lie Or Exaggerate

Many people feel the temptation to lie or exaggerate their skills and experience when applying for a new job. Although lying on your application may seem like a harmless way to make yourself look more qualified, it can lead to serious consequences.

When an employer is interested in hiring you, they will conduct a background check and call your references. If you’re caught lying on your job application, you will likely be immediately disqualified. In some cases, you may even be banned from applying to that company in the future.

Lying on your application can also be a form of fraud, which is a crime in many jurisdictions. Depending on the severity of the lie, you could lose your job, be sued, or even be prosecuted for falsifying documents.

Lying or exaggerating about your experience or education can also lead to problems down the road if you are hired for a position based on false information. For example, if you claim you are proficient at using a specific program that you don’t really know much about, you will struggle in your new role. Not being able to do your job will be stressful and raise questions with your employer. Unless you’re a quick learner, you will probably find yourself job searching again within a few months. 

So, the next time you’re tempted to fudge the truth on your application, remember the potential consequences. Be honest on your applications, and you’ll be much better off in the long run.

Don’t Send a Generic Letter

As mentioned, your cover letter should be unique to each employer and job opportunity. Don’t simply copy and paste the same letter for every job application. A few small tweaks are all you need to make your cover letter specific to each job and increase your chances of getting an interview. 

If it’s obvious that you’ve created one cover letter and are using it repeatedly to apply to dozens of jobs, it gives the impression that you don’t really care if you get this job or not – you just want any job. And while that may be true, you don’t want to create any apprehension with an employer. 

Don’t Use Clichés or Slang Terms

Avoid using clichés, slang, and overly casual language when writing a cover letter. Such language can come across as unprofessional and may not convey the message you are trying to get across in the best way possible. 

Clichés include phrases like “I’m a people person” or “I’m a go-getter.” These phrases are overused and do not add anything unique to your letter. 

Using slang can give the impression that you are not taking the process seriously. It can also make it difficult for the reader to understand what you are trying to say. Instead, focus on using clear and concise language, which will get your point across in a way that is both professional and respectful.

While it is important to be friendly and personable in your letter, being too casual can make you seem unprofessional and could hurt your chances of getting the job.

Don’t Include Unnecessary Personal Information

There are a few reasons why you should not include personal information in your cover letter. First, it is not necessary. The employer is only interested in your qualifications and not your personal life.

Second, while it may seem like a good idea to make yourself seem more relatable, including personal information can actually have the opposite effect. It can make you appear unprofessional.

Third, including personal information on your cover letter can be a privacy concern. If an employer knows too much about your personal life, they could potentially use this information against you. For example, if you mention that you have young children, the employer may assume that you will need to take time off for childcare. As a result, you may be passed over in favor of a candidate without the same responsibilities.

Lastly, sharing personal information in your cover letter could also lead to identity theft. If you include your home address or phone number, a savvy thief could use this information to steal your identity. By including personal information in your cover letter, you could be putting yourself at risk.

Overall, you should always err on the side of caution to protect your privacy. Stick to the facts and let your qualifications speak for themselves.

Cover Letters Are Tricky But Beneficial

It can be difficult to strike the right tone in a cover letter. You want to sound enthusiastic and professional without coming across as desperate or pushy. The goal is to show that you’re a good fit for the company, so focus on that. 

If you’re not sure how to get started, plenty of cover letter examples are available online. Just make sure to tailor the letter to the specific company and position you’re applying for, and only include the skills and experience that you actually have.

With these tips, you should have no problem creating a cover letter that will stand out and help you get hired.

Quick Resume Tips

If you want to make a good impression and stand out from the competition, here are 20 resume do’s and don’ts . Following these simple tips, you can be sure that your resume will make a great impression on employers.

Add Your Side Hustle to Your Resume

Job seekers are told they need to stand out if they want to get hired. But how? One of the easiest ways is to include their side hustle on their resumes . Your side hustle is teaching valuable job skills that can make you a stronger candidate. Not mentioning this on your resume or cover letter is a mistake! 

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The 5 best supplements for healthy aging, according to a longevity expert

If you’ve ever walked down the supplement aisle in a pharmacy, you’ve seen the overwhelming abundance of options available for your medicine cabinet. According to the 2022 Council on Responsible Nutrition Consumer Survey on Dietary Supplements, 75% of Americans use dietary supplements , most on a regular basis.

It’s important to remember that supplements are just that: supplemental. While they’re good for giving you a bit of a leg up when you’re lacking certain nutrients, the number one way to get the vitamins and minerals and antioxidants you need is through a healthy, nutritious diet.

“Supplements will never give you what actual, real food will,” says Kara Burnstine, RD, a nutrition educator at Pritikin Longevity Center . “They simply aid you along. They’re not meant to be a food replacement.”

Still, Burnstine recognizes there can be setbacks of relying solely on food for optimal nutrition, and there are times when supplements can be a boon.

“It would be wonderful if we all ate all our fruits and vegetables and our whole grains and our lean proteins and got everything that we needed from the food supply, but unfortunately, our food supply is sometimes not the highest quality either,” she says. “So we could be doing a lot of the good things and not be getting all of the nutrients from the food.”

That deficit can become even more pronounced as you age, she says.

“We are machines, so as we get older, things that worked well start to not work as well. That’s when we might need to turn more to supplements.”

Not all supplements are for everyone. You should always consult your doctor before starting any supplement to be sure they won’t interact with medications you’re taking or put you at risk of other problems. But for most people approaching or in their golden years, here’s what Burnstine recommends:

Calcium for bone strength

Calcium does a lot for you: It plays an important role in blood clotting, it helps your muscles contract, and it regulates normal heart rhythms and nerve functions. It also builds and maintains strong bones. When you don’t take in enough calcium, your body borrows it from your bones to keep things running smoothly. A daily intake of calcium helps you replace this calcium and keep bones healthy .

When you reach age 50, your daily calcium requirement goes up. Prior to that, 1,200 milligrams a day will do you, but when you hit the half-century mark, it’s time to bump up to 1,500 milligrams a day. Women who are past menopause are at the highest risk of getting osteoporosis , a disease that makes bones weak and brittle. Lack of calcium ups these chances even more.

Burnstine says if you know you’re not getting at bare minimum two servings from a calcium source each day, a calcium supplement is a good idea. But the supplement is only one piece of the puzzle.

“In addition to the calcium supplement, I’m also going to recommend that you get at least two servings of dairy or that you eat a lot of green leafy vegetables, and you do resistance training, which protects bones more than anything else,” she says.

Vitamin D for immunity (and bone strength)

Speaking of healthy bones, your body can only absorb calcium when vitamin D is present . In addition, vitamin D has anti-inflammatory, antioxidant, and neuroprotective properties. It supports immune health, muscle function, and brain cell activity .

Your body doesn’t make vitamin D, so you have to get it from outside sources. These include food, the sun, or supplements. Before age 70, your daily requirement is 600 IU. After 70, it goes up to 800 IU . In your later years, your body may need a boost to meet these goals.

“As we age, most of us no longer absorb vitamin D as well,” says Burnstine. This can be especially true if you live in an area without much sun, or if you’re always wearing sunscreen.

Probiotics for gut health

Emerging studies suggest that supplements of probiotics —the “good” bacteria that live in your digestive system and helps keep “bad” bacteria in check—may help counteract age-related shifts in gut microbiota, improving your immune health and aiding healthy digestion as you age.

“We know that if our gut health is good, everything else follows, in terms of inflammation , brain fog , weight loss, sleep , depression,” says Burnstine. “Our gut is tied to just about everything.”

As with most nutrients, it’s best to get probiotics through the foods you eat. You can load up on them through fermented foods such as yogurt, kefir, kombucha, refrigerated sauerkraut, kimchi, tempeh, and miso. But a supplement isn’t a bad idea.

Some supplements have upwards of 50 billion CFUs (colony-forming units), which may seem like a huge amount, but Burnstine says your body absorbs only 20% to 30% of that.

“Taking a supplement helps create that diversity and huge population of probiotics in the gut to help us be healthy, lose weight, and lower our cholesterol,” she says.

Magnesium for mood

Magnesium is attached to immune function, enzymatic reactions, and it plays a part in lowering inflammation. It’s also a key player in mood stabilization. Magnesium levels go down as age goes up, putting you at risk of mental health struggles.

“People who are low in magnesium tend to have higher depression,” says Burnstine. Chronically low levels can also increase your chances of having high blood pressure, heart disease, Type 2 diabetes, and osteoporosis.

Anyone over age 30 should be getting 320 to 420 milligrams a day, but Burnstine says not all magnesium supplements are the same.

“For example, you could take a magnesium carbonate, but you could also take something called magnesium glycinate, which is slightly easier on the stomach,” she says. “The combination of how it’s formulated causes sort of different responses.” Talk to your doctor about the best magnesium formulation for you. 

Multivitamin to cover the bases

A daily multivitamin , while not a panacea, can give you an overall nutritive boost. At the very least, says Burnstine, it won’t hurt.

“I always say that a multivitamin is sort of like an insurance policy,” she says. “I would recommend a general multivitamin at any age.”

Most brands are the same, but for peace of mind, look for the USP symbol. This seal of approval marks brands that have consistent quality, the exact ingredients in the potency and amount you find listed on the label.

More on nutrition and supplements:

• Do turmeric supplements really treat pain, boost mood, and improve allergies? Experts say they work best for 2 conditions
• Is colostrum a new superfood? Experts explain its immune-boosting benefits
• It’s not 8 glasses a day anymore. Here’s how much water you should drink each day
• Food expert Michael Pollan says most supplements ‘generally don’t work.’ But he takes this one daily

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Should you use a reverse mortgage to cover long-term care costs?

By Joshua Rodriguez

Edited By Matt Richardson

May 7, 2024 / 11:24 AM EDT / CBS News

Long-term care support and services can be costly. With the least expensive form of long-term care  costing tens of thousands of dollars per year and more expensive options easily costing six figures annually , you may be wondering how you'll pay for your care when you need it. 

Some seniors who need long-term care may look to reverse mortgages as a way to cover the cost. With reverse mortgages, lenders give you access to funding (secured by your home equity ) that will need to be paid back when you die or leave your home. The money you borrow is typically repaid through the eventual sale of your home, according to the United States Office of the Comptroller of Currency .

But, while a reverse mortgage may seem like a strong option for covering the cost of your long-term care , it may not be the best option for you. That's especially true if you qualify for long-term care insurance .  

Compare your long-term care insurance options today . 

"You have to be extremely careful when considering using a reverse mortgage to pay for long-term care," explains Corey Rieck, MBA, CLTC, president and founder of The Long-Term Care Planning Group, an agency that helps consumers plan for their care. And, those who want to use a reverse mortgage to cover the cost of long-term care "have to be at least 62 years of age and prove that they understand what they are doing."

Even if you are 62 or older and understand the ramifications of a reverse mortgage, it may not be your best option to pay for your long-term care, here's why: 

That's what long-term care insurance is for

Rather than considering a reverse mortgage, most people should look into long-term care insurance as a way to cover the cost of their care . This type of insurance is designed to pay for costly long-term care services, like nursing homes and home health aides. And, long-term care insurance is nowhere near as costly as those services can be. 

In fact,  long-term care insurance premiums are typically only a few hundred dollars (or less) per month. Even at 75 years old, when the risk of needing long-term care is high (and insurance premiums reflect that high risk), your long-term care insurance premiums may only be between $4,052.36 and $5,456.03 per year . Those annual premiums work out to between $337.70 and $454.67 per month. 

Find out how affordable long-term care insurance can be for you today . 

Long-term care insurance is more cost-effective

With long-term care services costing tens to hundreds of thousands of dollars per year, it's clear that long-term care insurance is more cost effective than paying out of pocket . But, if you use a reverse mortgage to cover that cost, it typically becomes even more expensive. 

Of course, the price of your care won't change regardless of how you pay for it, but a reverse mortgage comes with additional expenses to consider. First, you'll have to consider the upfront costs associated with a reverse mortgage. These include closing costs, loan origination fees and your first annual mortgage insurance premium. 

Then, there are ongoing costs to consider. According to the Consumer Financial Protection Bureau , those ongoing costs can include interest, service fees, annual mortgage insurance premiums and ongoing expenses associated with home ownership (like homeowners insurance and property taxes). 

So, if you use this type of financing to cover your long-term care expenses , you'll be adding reverse mortgage expenses to the cost of your care. 

You may put your family home in jeopardy

A reverse mortgage has to be paid back at some point, and that usually happens through the sale of your home. So, if you take the reverse mortgage route, you'll be reducing the value of the home you planned to leave to loved ones. Since the money will need to be repaid at the time of sale, they'll stand to inherit that much less. Or, if they want to keep the home, they will need money to cover what you borrowed, plus any interest and fees that would normally be paid through the sale of your home.

But what if you have few other options?

A reverse mortgage "may be an acceptable funding alternative if the client has limited other assets that they need to live on," explains Rieck. So, when might it be OK to use a reverse mortgage to cover your long-term care costs?

• When you use it to pay your insurance premiums : If you can't afford long-term care insurance premiums, "it may be applicable to do a reverse mortgage to purchase a product or instrument to fray or otherwise greatly reduce or eliminate the cost," says Rieck. 
• When you don't qualify for long-term care insurance : If you aren't healthy or young enough to qualify for long-term care insurance , it may be wise to use a reverse mortgage to cover the cost of your care. 

The bottom line

A reverse mortgage isn't typically the best way to cover the cost of long-term care. After all, long-term care insurance was designed to do so and is more cost effective than a reverse mortgage. Not to mention, a reverse mortgage could put your family home in jeopardy. 

But, in some rare cases, a reverse mortgage may be your best option. For example, if you don't qualify for long-term care insurance or don't have the funds you need to pay the premiums, you may benefit from using a reverse mortgage. Nonetheless, you should carefully consider the pros and cons of doing so before taking that route. 

Joshua Rodriguez is a personal finance and investing writer with a passion for his craft. When he's not working, he enjoys time with his wife, two kids, two dogs and two ducks.

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Politics latest: Keir Starmer accused of 'rank hypocrisy' by Rishi Sunak after setting out what he'll do to tackle small boat crossings

Labour leader Sir Keir Starmer lays out his party's plans to try and tackle small boat crossings if it wins power. Listen to the latest episode of the Electoral Dysfunction podcast as you scroll.

Friday 10 May 2024 18:30, UK

• Starmer says small boat crossings 'one of the greatest challenges we face'
• Explained: What's in Labour's plan to try and tackle problem
• Darren McCaffrey: Will Labour's plan cut it with voters?
• Starmer says no flights to Rwanda will take off under Labour
• Sunak accuses Starmer of 'rank hypocrisy'
• Electoral Dysfunction:  Jess Phillips says Elphicke defection like 'being punched in gut'
• UK exits recession | Economy 'returning to full health'
• Faultlines:   Can British farming survive?
• Live reporting by Tim Baker

Across the UK, anger is brewing amongst some farmers.  

Protests have already been held in London, Dover and Cardiff, with more planned - mirroring similar tensions seen across Europe in the last six months.     

They say they’re annoyed about cheap foreign imports and changes to subsidies forcing them to give up land in favour of environmental schemes.    

But what does this mean for the food on our table - and does British produce risk becoming a luxury product for the wealthy only?    

On the Sky News Daily , Niall Paterson is joined by West of England and Wales correspondent Dan Whitehead to find out why farmers are so concerned, and speaks to Liz Webster, the founder of Save British Farming, about why she believes eating British isn't just good for our farmers - it's good for the nation's health, too.   

In response to our report, Farming Minister Mark Spencer, said: "We firmly back our farmers. British farming is at the heart of British trade, and we put agriculture at the forefront of any deals we negotiate, prioritising new export opportunities, protecting UK food standards and removing market access barriers. 

"We've maintained the £2.4bn annual farming budget and recently set out the biggest ever package of grants which supports farmers to produce food profitably and sustainably."

The Welsh government said: "A successful future for Welsh farming should combine the best of our traditional farming alongside cutting-edge innovation and diversification. 

"It will produce the very best of Welsh food to the highest standards, while safeguarding our precious environment and addressing the urgent call of the climate and nature emergencies."

👉  Listen above then tap here to follow the Sky News Daily wherever you get your podcasts   👈

Following the defection of the Dover and Deal MP Natalie Elphicke to Labour, Beth, Ruth and Jess discuss the surprise move and whether it could have been handled differently by Sir Keir Starmer.

They also talk about Beth's interview with the former immigration minister Robert Jenrick and his warnings about Reform UK.

Plus, how significant was the defeat of former Conservative mayor of the West Midlands Andy Street? Beth and Jess were both there to tell the story.

And they answer a question on Labour and the Muslim vote, and what the party can do to restore confidence and trust.

Email Beth, Jess, and Ruth at [email protected] , post on X to @BethRigby, or send a WhatsApp voice note on 07934 200 444.     

👉 Listen above then tap here to follow Electoral Dysfunction wherever you get your podcasts 👈

In January 2023, Rishi Sunak made five promises.

Since then, he and his ministers have rarely missed an opportunity to list them. In case you haven't heard, he promised to:

• Halve inflation • Grow the economy • Reduce debt • Cut NHS waiting lists and times • Stop the boats

See below how he is doing on these goals:

The Sky News live poll tracker - collated and updated by our Data and Forensics team - aggregates various surveys to indicate how voters feel about the different political parties.

With the local elections complete, Labour is still sitting comfortably ahead, with the Tories trailing behind.

See the latest update below - and you can read more about the methodology behind the tracker  here .

Speaking to Sky political editor  Beth Rigby , Sir Keir Starmer has defended his decision to allow Tory MP Natalie Elphicke into Labour.

Ms Elphicke was on the right of the Conservative spectrum, and previously defended her sex-offender ex-husband, comments which she apologised for this week following her defection.

Addressing Tory voters, Sir Keir says he wants Labour to be a "place where they who have ambitions about their families, their communities, their country, can join and be part of what we are trying to build for their country".

Asked by Beth if he was ruthless, Sir Keir said: "Yes, I'm ruthless in trying to ensure we have a Labour government that can change this country for the better.

"Not ruthless for my own ambition, not ruthlessness particularly for the Labour Party - I'm ruthless for the country. 

"The only way we'll bring about a change in this country is if we're ruthless about winning that general election and putting in place a government of public service, that’ll be a major change.

"Politics, I believe, should be about public service, that's what I've been about all my life."

More now from political editor Beth Rigby's interview with Labour leader Sir Keir Starmer.

She reminded him that he previously ruled out doing a deal with the SNP - but has not done so for the Liberal Democrats.

Sir Keir again ruled out a coalition with the SNP - adding that he is aiming for a "majority Labour government".

He says Labour needs "to keep working hard, keep disciplined and getting our message across, which is something fundamental to me".

Pushed on his lack of ruling out a possible agreement with the Lib Dems, Sir Keir says: "I'm going for a majority.

"That's the answer I gave you a year ago. It's the same answer I'm giving you now."

Sir Keir Starmer was earlier today pushed on whether Rwanda deportation flights will take off if he was prime minister - although it was not clear if he would cancel flights which had already been organised.

Sky News understood that previously booked deportation flights to Rwanda would still go ahead if Sir Keir entered Number 10. 

But the Labour leader has now gone further.

Speaking to political editor Beth Rigby , Sir Keir has ruled out any flights taking off.

"There will be no flights scheduled or taking off after general election if Labour wins that general election," he says.

He says: "Every flight that takes off carries with it a cheque to the Rwanda government. 

"So I want to scrap the scheme - so that means the flights won't be going."

Sir Keir says he would rather spend the money on his own measures to counter small boats.

"No flights, no Rwanda scheme. It's a gimmick," he says.

By Alix Culbertson , political reporter

Scotland's new first minister has told Sky News that the controversial gender recognition reforms "cannot be implemented."

John Swinney,  who became first minister this week , has faced questions over his stance on gender recognition after MSPs voted in 2022 to pass a bill to make it simpler for people to change their gender without having to obtain a medical diagnosis.

The UK government blocked the bill from being made into law and the Supreme Court rejected a request by the Scottish government for a judicial review.

Asked if he would be fighting to push the bill through, Mr Swinney told Sky News: "The reality of the situation we face is that the Supreme Court has said that we can't legislate in that area. We can't take forward that legislation."

The UK economy is no longer in recession, according to official figures.

Gross domestic product (GDP) grew by a better-than-expected 0.6% between January and March, the Office for National Statistics (ONS) said.

Economists had predicted the figure would be 0.4%.

Prime Minister Rishi Sunak said it showed the economy had "turned a corner".

He told Sky News's Ed Conway: "I am pleased that while there's more work to do, today's figures show that the economy now has real momentum, and I'm confident that with time, people will start to feel the benefits of that.

"We've had multiple months now where wages are rising, energy bills have fallen, mortgage rates are down and taxes are being cut... I'm pleased with the progress that we're making."

Mr Sunak added: "I am confident the economy is getting healthier every week."

You can read more here:

Rishi Sunak has criticised Sir Keir Starmer's position on Rwanda as "rank hypocrisy".

Speaking to broadcasters, the prime minister says the Labour leader has announced things the government is "already doing".

He gives the example of "punching through the backlog, having more law enforcement officers do more, that's all happening already".

"We've announced all of that more than a year ago," the prime minister adds.

"The question for Keir Starmer if he cares so much about that, why did he vote against the new laws that we passed to give our law enforcement officers new powers? 

"They've now used those to arrest almost 8,000 people connected with illegal migration, sentenced them to hundreds of years in prison.

"And if it was up to him, all those people would be out on our streets, so I think it's rank hypocrisy property of his position."

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