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Many people work traditional jobs because of the benefits provided. These may include health insurance, paid time off, and access to a retirement program. But as a self-employed freelancer, you're responsible for covering the benefits that an employer might typically provide.
I researched healthcare costs and retirement plan options before becoming a full-time freelancer to understand how my finances would be impacted by having to cover these additional expenses.
I recommend doing this, especially if you'll be paying for health insurance. You may be surprised at how expensive it is to self-insure. However, knowing these costs in advance can help you set income goals and may motivate you to put more effort into your business in the early days.
It's beneficial to have an emergency fund. No matter where you are in your freelance journey, you will likely experience income fluctuations and slow periods where work isn't as plentiful as usual. With extra money in the bank, you can weather difficult times like this.
Before freelancing full-time, I stashed some money in my savings account. Though I didn't have much, having some extra money gave me more confidence. If I had to do this step over, I'd have saved even more money before I transitioned to being a full-time freelancer.
Here's a tip: Keep your money in an interest-earning bank account so you earn interest while your money sits in the bank. Review our list of the best business bank accounts .
Whether you're already freelancing part-time or are still working a full-time job and are considering your options for a career move, always keep your finances in mind. As a business owner, your finances will look different. You want to make informed decisions that allow you to feel confident about your personal and professional financial health.
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Natasha is a freelance writer who specializes in personal finance, credit card, credit card rewards, and travel hacking content.
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It was much more accurate than primary care doctors using cognitive tests and CT scans. The findings could speed the quest for an affordable and accessible way to diagnose patients with memory problems.
By Pam Belluck
Scientists have made another major stride toward the long-sought goal of diagnosing Alzheimer’s disease with a simple blood test . On Sunday, a team of researchers reported that a blood test was significantly more accurate than doctors’ interpretation of cognitive tests and CT scans in signaling the condition.
The study , published Sunday in the journal JAMA, found that about 90 percent of the time the blood test correctly identified whether patients with memory problems had Alzheimer’s. Dementia specialists using standard methods that did not include expensive PET scans or invasive spinal taps were accurate 73 percent of the time, while primary care doctors using those methods got it right only 61 percent of the time.
“Not too long ago measuring pathology in the brain of a living human was considered just impossible,” said Dr. Jason Karlawish, a co-director of the Penn Memory Center at the University of Pennsylvania who was not involved in the research. “This study adds to the revolution that has occurred in our ability to measure what’s going on in the brain of living humans.”
The results, presented Sunday at the Alzheimer’s Association International Conference in Philadelphia, are the latest milestone in the search for affordable and accessible ways to diagnose Alzheimer’s, a disease that afflicts nearly seven million Americans and over 32 million people worldwide. Medical experts say the findings bring the field closer to a day when people might receive routine blood tests for cognitive impairment as part of primary care checkups, similar to the way they receive cholesterol tests.
“Now, we screen people with mammograms and PSA or prostate exams and other things to look for very early signs of cancer,” said Dr. Adam Boxer, a neurologist at the University of California, San Francisco, who was not involved in the study. “And I think we’re going to be doing the same thing for Alzheimer’s disease and hopefully other forms of neurodegeneration.”
In recent years, several blood tests have been developed for Alzheimer’s. They are currently used mostly to screen participants in clinical trials and by some specialists like Dr. Boxer to help pinpoint if a patient’s dementia is caused by Alzheimer’s or another condition.
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Learn to avoid the biggest mistake job seekers make and write a cover letter that truly makes an impact.
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Most job seekers don’t know how to write a proper cover letter. They believe a cover letter is just a “here is my resume” note. This is a wasted opportunity!
In this article, you’ll discover the secret to writing a professional cover letter that’s truly effective. It’s not hard to do and will give you a significant edge over the competition. We’ll walk you through the process in a few straightforward steps and provide examples to help you along the way.
Ready to get started? Let’s dive in and create a cover letter that opens doors to your next opportunity.
A cover letter is a short document (around 300 words) that accompanies your resume. Your cover letter should not simply repeat what your resume says . Instead, it should complement your resume, highlight your personality, and potentially address any weaknesses that could otherwise prevent you from getting an interview.
But do you really need a cover letter in 2024? The short answer is YES.
“Over 80% of hiring managers read a cover letter and 60% of applications require one as part of the application,” says career coach Madelyn Mackie . “Even hiring managers and recruiters who say they never read cover letters may find themselves drawn in by a particularly compelling letter.”
In fact, Jobscan analyzed nearly 1 million job applications and found that including a cover letter with your resume makes you 1.9 times more likely to be invited for an interview compared to those who left out a cover letter.
The biggest mistake job seekers make when writing their cover letter is to focus only on themselves .
“It’s not about you,” says career coach Susan Schwartz . “It’s about what you can do for them. Talking to them about what they care about—not about what you want—is what’s going to make them want to read your letter. And to hire you!”
According to Schwartz, this is the best way to write a cover letter:
Paragraph 2. what solution do you offer how are you the answer to their need again, keep it to a sentence or two., paragraph 3. explanation: what experience do you have that supports your assertion that you can help this paragraph can be 3-4 sentences, but keep it short., paragraph 4. call to action: suggest next steps. not “thank you” but let’s plan to discuss this next week..
Since hiring managers often spend less than 20 seconds on an application, your cover letter needs to grab their attention and get them to look at your resume. By highlighting how your experience matches the job, you make it easier for them to see you as a great fit for the role.
Now let’s examine each of these steps in more detail.
Now that you know the basics of what to include in your cover letter, let’s go through the process from start to finish to see how you can write a cover letter that will make you stand out from the rest of the candidates.
Before writing your cover letter, research the company to understand its current challenges and goals. Visit the company website, read their latest news and press releases, and follow their social media channels.
Don’t skip this step! It’s crucial for writing a cover letter that truly resonates with a potential employer and sets you apart from other candidates.
After you’ve researched the company, carefully read the job description. Ask yourself the following questions:
After researching the company and the role, you’re ready to start writing your cover letter.
Many job seekers make the mistake of being too wordy in their cover letters. You’re not writing a novel. Use short words in short sentences. Remember, a hiring manager is going to quickly scan your application, so you need to get right to the point.
Here are some examples of how to start a cover letter:
Dear [Hiring Manager’s Name],
I’ve noticed that NexGen is working hard to stand out in a crowded digital market, and keeping your brand top-of-mind for customers can be tough.
That’s where I come in—I specialize in creating engaging content and smart SEO strategies that boost online presence and drive customer engagement.
I understand that Weissman is seeking to maintain its innovative edge in the dancewear industry while consistently meeting sales and margin targets.
I am confident that my experience and passion for design can help Weissman continue to create stunning, market-leading dancewear.
I understand that Timmons Company needs motivated individuals to manage sales territories and boost product visibility in retail grocery stores around Quincy, IL.
I am excited to bring my self-motivation and sales-oriented mindset to your team, ensuring your products not only maintain their shelf presence but also thrive.
Now you need to provide evidence that you’re the right person for the job. The best way to do this is to highlight your relevant experience and achievements. Here are some things you should focus on:
Remember to keep it concise. Your letter isn’t meant to tell your whole story; it’s about making a compelling case that you understand the key aspects of the job.
Your goal is to leave the reader eager to learn more about you. Here are some examples:
“Over the past five years, I’ve led digital marketing campaigns that ramped up organic traffic by 40% and bumped up conversion rates by 25%. I’ve worked with diverse teams to create compelling content that resonates with audiences and used data analytics to refine strategies for maximum impact. My experience with social media management and email marketing also ensures a holistic approach to your digital marketing needs.”
“With over ten years in apparel design, specializing in activewear and dancewear, I have a proven track record of developing designs that resonate with customers and drive sales. My expertise includes conducting global trend research, selecting inspiring materials, and leading teams to transform creative concepts into market-ready products. I am proficient in Adobe Creative Suite and have experience with CLO3D, ensuring that my designs are both innovative and technically sound. My leadership skills have been honed by mentoring junior designers and managing cross-functional teams, fostering a collaborative and efficient design process.”
“With several years of experience in CPG retail sales and merchandising, I have successfully managed sales territories, maintained product placements, and executed promotional strategies. My ability to plan and organize, combined with proficiency in Microsoft Office and familiarity with iPads, positions me well to contribute effectively to your sales team. I am adept at thinking on my feet and delivering results in dynamic environments, ensuring that products are always tagged, rotated, and optimally displayed.”
When wrapping up your cover letter, it’s crucial to include a strong call to action in your closing paragraph. This isn’t just about expressing gratitude—it’s about setting the stage for the next steps in the hiring process.
Instead of a simple “thank you,” aim to propose a specific plan, such as scheduling a meeting or a call to discuss how you can contribute to the company.
Here are some examples of how to end a cover letter :
“Let’s discuss how I can help NexGen Creative Agency achieve its sales goals next week. Please let me know your availability for a meeting.”
“How about we chat next week about how I can help Weissman shine even brighter? Let me know when you’re free.”
“Let’s plan to discuss how my self-motivation and sales-oriented mindset can boost product visibility for Timmons Company next week. Please let me know your availability for a meeting.”
There is no need to add anything more. Time is valuable, so hiring managers won’t spend it on a cover letter that isn’t concise and to the point.
We’ve gone over the basics of how to write a good cover letter. Here are some expert tips for formatting and how to make your cover letter even better.
Before diving into the content of your cover letter, it’s important to format the contact details and header correctly. You’ll need to include your name, full address, phone number, and email address.
Here’s an example:
To whom should you address your cover letter to? “For maximum impact, see if you can find the hiring manager or recruiter for the role, and send your letter to them,” says career coach Susan Schwarz . “Addressing your letter to a specific person will significantly increase the likelihood of someone reading it.”
Check the company’s website or LinkedIn profile to find the name of the hiring manager. However, if you can’t find a specific name, “Dear Hiring Manager” will suffice.
To end a cover letter, you can use “best regards” or “kind regards” followed by your full name.
While it’s important to maintain a professional tone in your cover letter, don’t be afraid to let your personality shine through. But remember, you don’t want to overdo it—keep it concise and relevant .
Here are some ways to show your personality in your cover letter:
According to LinkedIn , the top “skill of the moment” is adaptability . This means being open to new ideas, ready to pivot when needed, and always looking for ways to improve. In a world where the only constant is change, being adaptable can set you apart.
Here’s an example of how to incorporate adaptability into your cover letter:
“In my previous role as a CPG retail sales merchandiser, I consistently demonstrated my ability to adjust to changing market conditions, customer preferences, and sales strategies. This adaptability allowed me to increase sales by 25% in a highly competitive market.”
Research shows that 40% of employers would not hire a candidate if they lacked enthusiasm. Remember, you’re much more attractive to employers when you’re on fire .
Here’s an example of how to show enthusiasm for the company you’re applying to:
“I’ve long admired Weissman’s commitment to the dance community and the artistry of your costumes. Your dedication to empowering performances and celebrating creativity is inspiring, and I’m excited about the opportunity to join your passionate team.”
Try to strike a balance between a professional and friendly tone. Don’t use overly formal language, but make sure your writing is polished and error-free. Use humor sparingly, as it can be easily misinterpreted.
This approach helps you come across as both competent and personable, making you an ideal candidate.
Here are a few cover letter examples that show how to highlight your skills, show your personality, and match your experiences with the job.
Starting your career can be challenging, especially when you don’t have much experience to showcase. But don’t worry—a well-written cover letter can highlight your strengths and potential.
Changing careers can be a bold and exciting move, especially when you have a strong foundation of transferable skills. The following example of a cover letter demonstrates how to effectively highlight your previous experience and enthusiasm for a new industry.
Re-entering the workforce after a significant break can be challenging, but it’s also an opportunity to showcase your resilience and the valuable skills you’ve developed during your time away.
The following cover letter example demonstrates how to effectively address employment gaps while highlighting your strengths and enthusiasm for the role.
If you’re still having trouble writing your cover letter, try Jobscan’s AI cover letter generator . It analyzes both your resume and the job ad to create a completely original cover letter customized for the job you’re applying for.
To learn more about how the cover letter generator works, watch this brief video:
You can try Jobscan’s cover letter generator for free below:
Follow these key takeaways to write a compelling cover letter that sets you apart from other candidates and opens doors to new career opportunities.
A cover letter should be one page long, consisting of three to four paragraphs. The total word count should be around 250-400 words.
When you don’t have a specific name, you can use “Dear Hiring Manager.” Avoid using “To Whom It May Concern,” as it is considered old-fashioned.
When emailing a cover letter, use a clear subject line like “Application for Content Developer – [Your Name].” Paste your cover letter into the email body. Attach your resume.
Yes, a cover letter is necessary because good first impressions are important. By highlighting your qualifications and showing enthusiasm for the role, you can gain an advantage over someone who doesn’t send one.
Employers look for personalization in a cover letter, showing that it’s tailored to the specific job and company. Highlight relevant experience and skills that match the job requirements. Include specific achievements that demonstrate your capabilities and contributions.
Yes. Providing specific examples of your achievements helps demonstrate your skills and qualifications, making your application more compelling to employers.
A cover letter starts with your contact information, first and last name, the date, and the employer’s details. Begin with an introduction about your suitability for the role. Include a brief section highlighting relevant experience and skills with examples. Conclude by asking for an interview.
The primary goals of a simple cover letter are to make a good impression, get someone to read your resume, and offer you a job interview. It also shows you have good communication skills, which are highly valuable in today’s workforce.
The opening sentence should state the problem the company faces or pose a thought-provoking question to grab the hiring manager’s attention.
Robert Henderson, CPRW, is a career advice writer and a resume expert at Jobscan.
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Sr. machine learning research engineer, developer united states posted august 8 hackerrank.
At HackerRank, we help over 2,500 of the most prestigious logos across industries find, hire, and upskill amazing developer talent using our SaaS-based Developer Skills Platform. We pioneered and continue to lead the developer skills market with the ethos of “ Skills over Pedigree .” Everyone at HackerRank is passionate about the mission, and we are looking to add smiling faces to help us “ Accelerate the World’s Innovation ” by making skills matter more than pedigree. This position is Full-Time and Remote within the US.
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You will be working on:
We are looking for:
Nice to have:
Benefits & Perks:
We have a full package of competitive benefits and perks, which include the following:
About HackerRank:
HackerRank is a Y Combinator alumnus backed by tier-one Silicon Valley VCs with total funding of over $100 million. The HackerRank Developer Skills Platform is the standard for assessing developer skills for 2,500+ companies across industries and 23M+ developers worldwide. Companies like LinkedIn, Stripe, and Peloton rely on HackerRank to objectively evaluate skills against millions of developers at every hiring process, allowing teams to hire the best and reduce engineering time. Developers rely on HackerRank to turn their skills into great jobs. We’re data-driven givers who take full ownership of our work and love delighting our customers!
HackerRank is a proud equal employment opportunity and affirmative action employer. We provide equal opportunity to everyone for employment based on individual performance and qualification. We never discriminate based on race, religion, national origin, gender identity or expression, sexual orientation, age, marital, veteran, or disability status. All your information will be kept confidential according to EEO guidelines.
We offer a comprehensive total rewards package where you’ll be rewarded based on your performance and recognized for the value you bring to the business.
Total compensation and benefits consist of salary, quarterly performance incentives, equity (stock options), medical, dental, vision, life insurance, travel insurance, monthly work-from-home stipend, learning and development reimbursements, flexible remote-first work culture, 401(K), flexible time off, generous parental leave and more. Under our flexible paid time off policy, you’ll decide how much time you need based on your circumstances.
Current base salary range: ($160,000 – $180,000). The exact salary may vary based on skills, experience, location, market ranges, and other compensation offered. The salary range does not include other compensation components, commission (for sales-related roles), bonuses, or benefits for which you may be eligible. Salary may be adjusted based on business needs.
Notice to prospective HackerRank job applicants: We’ve noticed fake accounts posing as HackerRank Recruiters on Linkedin and through text. These imposters trick you into paying them for jobs/providing credit check information. Here’s how to spot the real deal:
Thanks for your interest in HackerRank!
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