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Day: February 6, 2019

Cover Letter – Let's Get Personal

Well Written But Not Personal: If you really want to write a sample cover letter that gets noticed, then say something about the company you are applying to. Not something obvious, something they will know you had to dig deep to find out. A recent company award, an article in a trade magazine, a recent contract that they were awarded. This approach says a great deal about you.

Example, "I read recently that you received a ten year, accident free award. As a health inspector myself, I know first hand that is no small feat. Again, congratulations."

It may seem like a non-relevant thing to say in your cover letter, but is it? As a health inspector, it's certainly relevant as a tie in for the position you are applying for. It's also personal, in that you took the time to mention something most would not. Simply put, you did your homework on the company, and personalized it, to fit your application. An absolute win win.

One thing is true today, recruiters are very professional, they can spot a no effort cover letter a mile away. By not taking the time to do some research on the company or making it personal, your letter just looks like every other template. If you are serious about working at a particular company then do the due diligence the job describes. In the job interview they're asking "what do you know about our company" and they will ask, you need something of substance to say.

You only cheat yourself in the end by not taking the necessary steps. A well written cover letter is great, but that personal touch pushes it to the top of the pile on a recruiters desk.

Finally, as a teacher, I prefer a collaborative learning approach. That said, I'd like to ask you to join my email newsletter, as I want your feedback and advice. Can I count on your support?

To Your Job Search Success,

Mike Perras, P.Mgr …

NJ Home Insurance – Small Steps That Will Lead To Massive Savings

The things that will help you save on your NJ home insurance policy are not always great things. There are a number of small and often-overlooked things that will help you reduce your rate by a huge margin. Let's look at some of them …

1. Fitting deadbolt locks on all your exterior doors will not cost you much. However, they could lead to discounts of up to five percent depending on your insurer. Burglary proofs may be too much for most people but deadbolt locks are that much but will save you some money.

2. Do you have the right number and kind of fire extinguishers in the right places in your home? These little things make you home more fire-safe. And, they lower the risk your home is exposed to, the cheaper your NJ home insurance rate.

3. Do you have trees on your property? Do you take time to ensure there are no dead limbs that could hurt people on your property? Just a routine check and maintenance would save you a lot in liability claims.

4. Do you have a dog or dogs? They'll increase your rate. However, if you take the right precautions they're not cost you much in home insurance. Simple steps like making sure they are always chained when if your home is not fenced would help.

5. Do you know that your home and its content will attract an entirely different rate quote from a different insurer? The difference in NJ home insurance quotes from different carriers could range from as little as a few dollars to over a thousand and much more. Therefore, make sure you get and compare quotes from five or more quotes sites. …

Understanding Permanent Life Insurance Policies

Permanent Life Insurance comes in two distinct forms:

Whole Life – This type of Life Insurance policy is immune to factors that would otherwise cause an insurance policy's premium to increase. Two factors that determine insurance premiums are rate rate and expense costs. As you age, your mortality cost increases and should there increase increase insurance premium. But with a Whole Life policy, this is not the case. The same applies for an insurer's operating expenses. If an insurance company has to increase its general staff or despite renting a larger office space, the cost is usually passed down to policyholders. This would not be the case for Whole Life policy holders. Those who purchase a Whole Life policy are buying a permanent life insurance policy without risk. The disadvantage to a Whole Life policy is if the policyholder decides to add additional coverage, he or she will be required to purchase an additional life insurance policy.

Universal Life – This type of policy is in direct contrast to a Whole Life policy. It is flexible in nature where a Whole Life policy is not. The two factors that determine a Universal Life insurance premium (mortal cost and expense cost) are passed directly on to the policyholder: if expense costs decrease or general interest rates rise, the policyholder benefits by having his or her insurance premium lowered. However, the opposite is also true: should expense costs increase or general interest rates drop, then the policyholder is subject to ever-increasing insurance premiums. Additionally, Universal Life policy holders are permitted the flexibility of increasing or decreasing policy limits without purchasing additional policies. Should you experience difficult times and be able to afford the premium, you can simply lower the limits in order to decrease your policy premium. Increasing the benefit is also possible but may require the insured to prove good health to the insurer.

Other life insurance terms you should be aware of:

Variable – Variable means the policy holder is allowed to invest the cash value of the policy into areas such as the stock market. This can be beneficial if the cash value is invested wisely and the investment is profitable. However, if a poor investment choice results in a reduced cash value due to unexpected losses, the policyholder will be required to deposit additional funds to cover the cash value loss.

Cash Value Choices – Whenever a policy holder decides to terminate a permanent insurance policy early and that policy has established a cash value, the policyholder has several options available: receive the funds in cash, accept a prepaid permanent insurance for life (but at a reduced death benefit), or accept a term life insurance policy for the full death benefit.

Policy Loans – There is a fourth option to cash value called Policy Loans. The policyholder may borrow against the asserted cash value of his or her life insurance policy. If you decide to take a loan against your cash value and should you die before the …