Problem: Article: Just as most jobs are now advertised online, most cover letters are submitted by email. If you are applying via letter, it is most likely for a company that is more traditional or a position that is higher ranking. If you do not have letterhead, it is ok to skip this step. If you are currently employed as a consultant or if you are applying for a contract, you should have letterhead made.  This should follow the standard format of a formal letter. Before you start the letter with “Dear Hiring Manager:” look at the email, company website and job posting to see if they contain the name of the person in charge of hiring.  This attention to detail and personalization in your salutation can make a big difference next to hundreds of cover letters that say “To Whom it May Concern:” If you cannot find the name of the person, address it “Dear Department Head” with the name of the department to which you are applying.” If you cannot find the name of the department, try “Dear Director” or “Dear Hiring Manager.”   Use LinkedIn to find the hiring manager’s name. This is the preferred opener for all cover letters, because it establishes a connection to the company.  For example, “John Smith recommended that I get in touch with you about the general manager position at EnviroRent.” If you do not know anyone at the company, do some research to establish a distinctive first line. Your next choice can be admiring a recent lecture, job or initiative the company did that attracted you. If you have a strong alumni association, use it to get in touch with someone, and references someone, who attended your college. After your intro sentences, your next goal is to summarize your career in 1 to 2 sentences. Next, include a paragraph with your accomplishments and a paragraph explaining how you plan to be in touch. Include your contact information below your signature.
Summary: Ensure you are being asked to submit by mail. Write your cover letter on professional letterhead, if you have it. Date the cover letter at the top right or top left of the page. Include the company’s department and address next. Research the name of the person looking at the resume. Mention the name of a staff member or referral in your opening line. Follow with a standard 4-paragraph cover letter. End with “Sincerely” before your signature.

Problem: Article: Probably the easiest way to reduce debt is to sell whatever you bought with your credit card. Ask yourself if you really need the possession. If not, sell them in a yard sale or on eBay. Contribute the proceeds to your credit card balance. Seek out part-time work in the evenings or on weekends. Then contribute all extra income to your debts. Before you know it, you might have paid off a huge credit card balance. For example, imagine you work 15 hours a week for $10 an hour. Each week, that’s an additional $150 before taxes. Over the course of a year, you’ll have an additional $7,500. You can pay off a lot of debts working an additional 15 hours a week. With debt consolidation, you pay off smaller debts by taking out a large loan which has more favorable terms, such as a lower interest rate. Debt consolidation usually frees up money that you can direct toward the your principal.  Generally, people consolidate debts with a personal loan. For example, you might have three credit cards with balances of $3,000, $2,500, and $2,000. You can get a personal loan for $7,500 and pay off your smaller debts. You can also use a balance transfer to a credit card with a promotional APR. Generally, you’ll get the rate for six to eighteen months. Make sure the loan you get has a lower interest rate than the debts you want to pay off. If it doesn’t, you won’t save money. A credit counselor can help you set up a repayment plan, which may take several years to pay off. The counselor can also contact your creditors. Although they can’t get the amount you owe reduced, they can often get the creditor to waive late penalties and fees or lower the interest rate.  You can find a credit counselor by calling the National Foundation for Credit Counseling at 800-388-2227, or you can get started online at their website.  Debt management plans only work with unsecured debt, such as credit card debt, personal loans, or medical debt. Debt settlement is distinct from debt management, and it is typically a worse option. With debt settlement, you stop making payments on your debts. Instead, you save up enough money to make a lump sum offer to your creditors. Often the lump sum is for 50% or less of the amount you owe. If your creditors accept the offer, they write off the remainder of your debt.  Because you stop making payments, your credit score tanks. Also, there’s no guarantee that your lender will agree to accept a lump sum.  Instead, your creditor might sue you. If they get a court judgment, they can seize assets, such as your car or home. There are many debt settlement companies who can help you if you don’t like to negotiate on your own. Do thorough research, since there are many scammers out there. Make sure to get a written contract explaining price and terms, and avoid any agency that charges up-front fees. Bankruptcy is an easy way to get rid of unsecured debts like credit card debt. With a Chapter 7 bankruptcy, all unsecured debts will be wiped out, allowing you to start afresh. However, a Chapter 7 bankruptcy will stay on your credit report for 10 years and make it difficult to get loans. Not all bankruptcies are the same. With a Chapter 13, you can save your home and other possessions, which you might lose in a Chapter 7. Discuss your options with a bankruptcy attorney.
Summary: Sell your possessions. Work a part-time job. Consolidate debts. Set up a debt management plan. Consider debt settlement carefully. Choose bankruptcy as only a last resort.

Problem: Article: If you are not interested, you should let the person know you have no intentions of carrying on a romantic relationship with him or her, but be as nice as possible about it. Avoid making a blunt statement such as "I am not interested in you.” Phrasing your lack of interest in this way would come across as rude and inconsiderate. Try saying something like, “This is hard for me to say, but I have to be honest with you. I have really enjoyed spending time with you, but I don’t think that we are a good match. You deserve to meet someone who shares your interests and goals and I just do not think that I am that person. But I wish you all the best and I have enjoyed getting to know you.” If you do not feel any chemistry but suspect that the two of you may become friends, try making that suggestion. If you do this, be absolutely clear that all you want is friendship. It is possible that this may not be an option if the other person is attracted to you. However if the other person shares your idea, you might have found a great new friend out of a bad date.  Try saying something like, “Even thought we were not a match, I had a good time getting to know you. Do you think we could be friends?” Keep in mind that this strategy can backfire as well, so be careful about using it. Some people may feel just as rejected if you suggest that the two of you become friends. It is also possible that your lack of chemistry may mean that you do not even have enough in common to become friends. If the other person is interested in a second date, you should politely decline either after the first date or later on. You do not need to provide a concrete reason. Avoid being non-committal and do not say things like “maybe we can meet again some time.” Although you may be reluctant to hurt someone's feelings, it is sometimes necessary to do so in order to find what you are looking for. Try saying something like, “It was great to meet you and to get to know you, but I don’t think that we should go on another date. I think you are a great person, but I do not think we are a match. I wish you the best of luck thought and I hope that you find the right guy/girl for you.”
Summary:
Say that you are not interested in a kind way. Suggest the two of you become friends. Reject the possibility of future dates.