Sample Cover Letter For High School Students

Many teenagers who pass high school look for part time or full time jobs for earning pocket money. A job can be an experience building stepping stone if you already know what type of career you would like to make in future. Nowadays there is huge number of jobs available for high school student. You just need to prepare an effective cover letter if you want to secure a decent job.

In this article I would like to provide a sample of a high school cover letter which would help high school students, particularly juniors and seniors who want to enter the workforce.

Your Name

Your Address

Your City, State, Zip Code

Your Phone #

Your Email

Date

Employer Name

Company

Address

City, State, Zip Code

Dear Mr. /Ms. Last Name,

I am responding to the employment opportunity listed on your website. Please accept this letter and accompanying resume as evidence of my interest in applying for this job. I feel my qualifications and my skills would prove to be an asset for your organization.

I have recently passed high school from a well known school. Now, I am looking for an honored job that will add experience to my building career. Here are some of my key strengths that I would bring to the position. I am:

1. A self-starter.

2. Disciplined.

3. An excellent communicator.

4. Very willing and eager to learn new things.

5. Exceptional at customer service.

6. Great team worker.

Accepting challenges is the foundation of my life experiences and something I do with confidence. You will find me a totally committed individual with pride in being direct, spontaneous and communicative. I can maintain records, perform numerical calculations with accuracy and I need little direction to complete assigned tasks. These are the qualities that make an excellent candidate for this post.

I was responsible for handling and organizing various important activities in my school. I have even participated in numerous cultural activities. I have working knowledge of MS Word, PowerPoint, MS Excel and Internet.

I would appreciate your consideration of my credentials. If you do think there is a shared interest, I would greet the chance to meet with you to hear more about your company, the requirements of the position, and how my skills would be a good fit.

Thank you in advance for your consideration.

Sincerely,

Your Signature

Your Typed Name

I hope my article will help you in preparing a high-quality and eye-catching high school student cover letter.

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Successful Investing – Helping Investors Avoid Common Investment Mistakes

The Top Mistakes made by Investors

In my dozen plus years of advising individuals and businesses I have found a number of common mistakes that have derailed even the best laid financial plans. I thought by sharing them I might be able to help others sidestep the pitfalls and the negative impact they can have on your portfolio and long-term financial plans.

1. Failing to establish a time horizon and investing accordingly

If you have expenses that need to be financed in 3 years or less, you should not be investing the cash for them in the stock market or other risky investments. These monies should be carved out of your investment portfolio (the money earmarked for long-term investing) and invested appropriately in liquid assets such as money market funds or term-certain fixed income offerings. If the money is not going to be needed for 3 years or more, an investment plan should be established based upon specific a time horizon and risk tolerance for these funds.

2. Failing to thoroughly diversify your portfolio

Many investors know about the concept of diversification and think that by owning different investments, they are diversified. Diversification of an investment portfolio makes good sense on an intuitive level. However, it was not until Harry Markowitz published his model of portfolio selection that this concept became a formalized part of sound investment practice and formed the basis of today's Modern Portfolio Theory. Beyond this basic concept of diversification, the key to Markowitz's prediction is the revelation that the risk of any investment can be reduced and / or performance increased by forming a portfolio of diverse and non-correlated assets. That is, it is important not just to seek a diversity of asset types, but also to seek assets that have low or near-zero correlations to one another. It's not about owning different investments; It's about owning different, non-correlated investments.

3. Letting potential tax implications rule your investment decisions –

Many investors delay selling an investment that has done well regardless of how good or bad the future looks for the holding. Their response is, "I will have to pay taxes if I sell." By not selling, they set themselves up for not having to pay taxes at all – usually because the investment starts on a decline and their concern switches from "having to pay taxes" to one of "hoping for a turnaround." Do not be afraid to take some profits off the table. While taxes are an invalid result of investing, I prefer to look at them as a positive sign as it indicates you are making money and your investment plan is working.

4. Buying a stock based upon a "hot tip " –

Too many investors listen to a friend's advice because he or she always seems to have the next "great" money making idea. They do not take the time to assess the idea personally and jump in because it's only a few thousand dollars that they are investing. Unfortunately this is not investing – it's gambling. If you want to gamble, go to Vegas and at least get free drinks, dinner, a show and a room for the risks you are taking. Any investment that is being considered for your portfolio should be thoroughly reviewed and have passed a comprehensive financial screening scrutiny.

5. Attempting to time the market

Waiting an extra day, week, or month to try and buy at the "right price" just does not work. No one can predict the future. If they could they most likely would not be sharing this knowledge with you for free. Successful investors use time, patience and a disciplined approach to increase the likelihood of maximizing their investment returns – not trying to time the market. If you have done the research and the investment is sound and meets your criteria then buy it, regardless of timing.

6. Failing to regularly reevaluate your investments

Over time all investment styles, strategies and types fall out of favor. So, like timing the market, it becomes virtual impossible to know what is going to be "hot" in the next bull market and what is not. For this reason it is always prudent to stay up-to-date on your investments to insure they are still the same investment that you originally purchased (segment drift and manager changes can be one reason they may have changed). If your investments consist solely of mutual funds then an annual review is a good place to start.

7. Basing investment decisions on emotion

Maybe the stock market is going through a bad time because of a short-term geo-political or economic event. Stay calm and make an educated, well thought out decisions about what, if anything, to do. Assess whether the event will affect the economy long-term or if it's just a short-term blip. The best move is often no move at all. If it is a short term incident, many times the smart, prudent investor will make additional investments because the current decline provides them with an excellent buying opportunity. The key to successful investing is to have a disciplined strategy and to stick with it.

8. Cashing out gains and dividends rather than reinvesting

Once you've realized gains or had dividends and dividends paid out, insure they are reinvested back into your portfolio. If you pull out your capital gains, dividends and interest, your money will not compound as quickly, thereby leaving you with a smaller chunk of change down the line. Letting your investments compound is one of the major tenets of successful investing.

9. Owning too much employer stock

Many people get over-weighted in employer stock because of options and stock purchase plans made available in today's competitive compensation packages. While these are great supplements to their annual salary they can put an employee in a position of having too much money invested in their employer's stock. Additionally, it is quite common for people to invest in "what they know" and what do you know better than the company you work for? To compound the problem many people will add more employer stock to their 401k holdings and individual brokerage accounts. Not only does this create a diversification problem in their portfolio but it also subjects them to excessive single stock risk. A good rule of thumb to follow is to insure that no more than 5-10% of your entire investment portfolio is in any one single stock. If you find yourself in this situation the importance of creating a well thought out reduction strategy can not be overstated.

10. Following the herd

The most successful of all investors are moving in the opposite direction of what everyone else is doing. They buy when most are selling and sell when everyone else is buying. By following this simple plan you can reserve your capital and potentially sidestep the next bubble (can anyone remember real estate, internet stocks, and technology growth funds?).

11. Not investing at all –

Somehow in today's society that Mocha Cappuccino Latte seess to take precedence over saving for the long-term. We are a society who wishes to satisfy the "here and now" rather than the securing our future. The important fact here is that those two are not mutually exclusive. In fact, BALANCE is the key in any long-term endeavor, but by always keeping an eye on the end goal you can make sure it is not out of mind while satiating the here and now.

12. Investing without a plan –

Investing without a plan and lacking the discipline to follow it is a sure way to lower your chances of success. The chances of obtaining any long term goal can be greatly enhanced by creating a strategy, following it and regularly reviewing it frequently enough so it reflects any changes that have taken place since implementation. Many investors start off with a small amount of money and start putting it to work without a plan. As time progresses they find that they have a mish-mash of investments in their portfolio with no clear strategy or direction. It's never too early to invest but it's even better to invest early with a plan.

13. Taking too little risk –

Some people do not want to take any risk and can not stand the volatility involved with risky investments. While it may seem like you are keeping your money safe and secure by not taking risk, it is more than likely you are not because of inflation. If your time horizon is greater than 5 years it is recommended that you have no less than 25-30% in growth investments (ie stocks) in your portfolio to ward off the effects of inflation. The actual percentage to own is dependent upon many factors including but not limited to age, time horizon before money is needed, current financial situation, etc. A good general rule of thumb to use as a starting point for the percentage of equity you may include in your portfolio is "120 – your age."

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How to Get Your Private Party Auto Loans

The problem occurs when the individual planning to buy the car does not have enough cash to make the down payment. That’s where private party auto loans come in. They provide a way out for such individuals who desire to finance their vehicles and don’t have enough resources to make their down payments.

What are private party auto loans?

It’s not mandatory to get your auto loan from traditional car dealers or banks. It’s possible to negotiate with private parties and finance your commutation needs. One way of doing this is to get your credit facility from a private party who specialize in providing car loans without any down payment. Typically, in order to avail private loans, it’s important to find a vehicle that’s offered for sale by the original owner. At times neighbors, relatives, acquaintances, and colleagues decide to change their car, and put up their old car for sale. They often advertise their sale in local newspapers, magazines, and even advert their vehicle online in forums and portals supporting classified ads. One can get a good deal from such sources.

Once the particular model or make is selected, the current owner has to be contacted for the sale price and vehicle specs. Thereafter, through proper price negotiation, it becomes possible to get a decent price for the car. The major advantage in these kinds of person to person auto loan sales is there are no brokers or dealers involved, and so the price of the car does not include the brokerage or commission. The buyer gets a potential discount that way.

And the second advantage is you end up communicating with the actual owner, and not the auto dealer, so you end up with first hand information regarding the vehicle’s performance and history, including various aspects such as maintenance, insurance, any previous accident history, etc. The third advantage is you end up paying an affordable price for your car, since used cars cost significantly less. The used auto loans private party monthly loan repayment amount is therefore less, so it’s easier to repay. This actually improves your credit scores and ratings, since FICO scores increase with regular payments.

How to apply for private party auto loans?

The process is quite simple. The buyer generally searches online for cars offered for sale, and browses the list of vehicles. Thereafter, a few of the models and makes satisfying the buyer’s requirement are short-listed. The buyer has two choices. Either to contact the seller directly and negotiate the sale after checking out the vehicle, or apply online after filling up an application form. The forms are simple in nature and some basic information has to be provided by the applicants.

Alternately, the buyer can also specify some specific requirements such as mileage, age of the car, specific model or make, and even the year of manufacturing in rare cases. Some buyers also request for information related to the existing owner to ascertain how well the car has been maintained, how many services it has had, and also some specific data associated with the insurance policy or claims linked with the car.

Once the car and the owner has been decided, the second step is to approach the lender. If you’ve applied online, a loan provider will be made available to you so you don’t have to search for one. In case you’ve negotiated directly, and if your credit ratings are low, it’s recommended you search online for bad credit private party auto loans provider and fill up the application form to avail your credit facility.

What are eligibility for private party auto loans?

One needs to qualify for private party loans. Generally, the norms related to the eligibility remain more or less common amongst the providers, and are narrated as follows:

o The applicant should be of 18 years of age or above.

o The minimum income per week should be $418 or $21,736 annually.

o The borrower should have lived for more than six months within the last two residences mentioned in the form.

o The applicant should have worked for more than six months with the last two employers mentioned in the application form.

o The borrower should not have filed for bankruptcy, nor be involved with any ongoing bankruptcy.

o The individual should possess a valid social security number.

Many private money lenders advertise their loan products online so sufficient choices are available. Once you submit your application online, the company executive co-ordinates with the potential buyer to get the required documentation and contact details.

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A Private Face

A Private Face is a heartfelt story about a rebellious teenager and a loving mother who never gives up hope that she can get her son to alter his impertinent attitude and stop making bad choices that get him into trouble both at school and at home.

Kate’s life has been turned upside down. She has recently separated from her husband, Simon, and her sixteen-year-old son, James, is testing the boundaries of her patience with his rebellious behavior. When Kate and Simon attend a parent-teacher conference at James’s high school, they find out that James has been skipping classes and not turning in his homework. James blows it off as no big deal to his parents’ consternation. Kate is unsure how to get James to change his behavior, especially since her eighteen-year-old daughter, Isabel, never gave her any problems while growing up. Will James straighten up if she and Simon get back together? Does she even want to?

As the days go by, James’s unacceptable behavior continues to escalate in the face of every discipline technique Kate tries. Foul language, obnoxious back talk, drinking, smoking marijuana, and mischievous pranks are commonplace in James’s life. Kate is desperate to pull him out of his unhealthy downward spiral. Will she be able to get James to change his rude behavior before it is too late and his outlandish conduct affects him for the rest of his life?

Kate’s remembrances of advice from both her grandmother and nuns at the Catholic school she attended along with friendships, her part-time nursing job, and psychic readings are valuable mechanisms in helping her cope with all of the challenges in her life. Even though Kate no longer diligently follows the Catholic faith, she feels guilty about going to psychics for readings. However, at the same time she gains valuable insight into James’s rebellious nature and is offered encouragement that the caring and respectful child she once knew is not lost forever.

Annie Henry has written an inspiring story that will appeal to mothers in today’s society who are sometimes at a loss in how to counteract the negative effects social media can have on young teenagers and their perception of acceptable behaviors. An underlying theme in the book is how people have distinctly different private and public personas and how it affects decisions people make in their lives and how the personas can sometimes unexpectedly merge in times of high stress. Although the majority of the story is told from Kate’s viewpoint, readers are given a teenager’s perspective from Isabel on how the family is affected by James’s insolence.

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Configuring a New Laptop

There are a lot of things to consider when you are shopping for that laptop, the two most important specifications but are going to be your processor and your RAM. Here I am going to explain some of the fundamental features of both so you can make a better choice when buying a laptop for yourself.

PROCESSOR (CPU)

Intel the world's largest semi conductor maker has initiated the process of transitioning into a quad core line of processors. Their range is branded as Core i3, i5 and i7. If you are hunting for a bargain then you could choose its older Core 2 models, but you would be better off sticking to its latest range.

You could also consider a processor from Intel rival AMD which has a qualifying range of products branded as Turion II and Athlon II. If you are a budget shopper then these processes are well worth considering and will serve the purpose for most tasks. The big difference between processors made by AMD is they are simply not as fast as those made by Intel and they tend to act as a drain on battery life.

The most important task is working out exactly how much processing power you need. In general the Core i3 or i5 are suitable for most people. If however you do a lot of video editing then you are going to need a more powerful processor. Gamers in particular believe they need a powerful processor but in practice can actually get away with a slower chip.

Quad core chips still cost a lot and also tend to drain battery life quite quickly. You can identify a quad core chip by the Q denoted next to the machine's model number. If you use your laptop as your main machine, and not taking it out on the road, or you are a gamer or video editor, the quad chip case becomes more compelling.

The decision over processor gets trickier when you are ordering a custom laptop from a manufacturer. You should as a rule avoid the most expensive chipsets on offer and go for the second or third third least costliest chips. The increase in price is usually proportional to performance. You should not spend more than $ 150 upgrading a processor. If you are simply surfing the internet or word processing, even a dual core processor is more than adequate.

MEMORY (RAM)

4GB RAM is the standard memory offered by most manufacturers even on low end laptops and that is really all you need. Starting prices for a laptop with 4GB RAM are just under $ 500. In the past manufacturers used to make consumers pay through the nose when they upgraded the memory whilst custom ordering. More recently, this practice seems to have changed, and only Apple really still does this.

If upgrading your memory to 4GB costs you less than $ 90, which is what it costs separately, then you should definitely upgrade. Upgrading beyond 4GB is going to be expensive, and the only real reason to do it is if you are video editing, and even then it's still not absolutely necessary when you compare it against the expense. For a desktop, spending an additional $ 100 is no big deal, but for a laptop where it is going to cost you an additional $ 300 for 8GB, it's simply not worth it unless your laptop is your primary video editing device.

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What Qualities Should a Good Handyman Have?

Handymen are hired to perform occasional domestic repairs or minor renovations. From caulking tubs to fixing fences, and from hanging blinds to putting up wallpaper, good handymen should be able to perform any small job, repair, or maintenance you require. What else makes a good handyman?

When you first begin to look for a handyman, you need to consider the services that you want performed. Do you need yard work or carpentry? Repairs or painting? Whoever you hire depends a lot what you need him to do. Good handymen offer many different services and can perform all the services advertised. Not all handymen are created equal, and some have more expertise or experience in certain areas than others. If you need someone for a plumbing repair project, it’s not a good idea to hire someone who is more experienced in yard work. So from the beginning, ask prospective hires what kind of background they have.

Second, the person you hire should have all the necessary tools to complete the job. Remember that if he has to rent tools, that will be reflected in the final price. When this happens, not only are you paying him to complete a project, but you are also paying for equipment that he should already have. Of course, handymen come across the occasional special project for which they have to rent a specific tool. But they should have every tool necessary to complete jobs they do on a regular basis, especially the jobs they advertise. For example, a handyman who advertises roof repair should have a ladder–otherwise, you would have to wonder about his ability to complete the job correctly if he doesn’t even have the right tools in the first place.

A third and final consideration is experience, and with that, age. Exercise caution when hiring young workers. Even people who have been in the home construction business for twenty or more years profess to not know everything. Make sure that as you hire someone with the advertised skills to complete your job, you check out his credentials and past work experience. If possible, find out how he has dealt with unforeseen problems in the past. Not every project is the same, but it does pay to do your homework before committing to someone you are unsure of.

In summary, a good handyman has a winning combination of the right tools, expert knowledge, and necessary experience to get the job done quickly and efficiently.

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Weight Training – Advantages And Disadvantages

Weight training is a great way to get your whole body in shape. Many people associate weight training with your upper body and arms. However if you have the right equipment then you can easily exercise the lower part of your body, such as your chest and legs. You may think to yourself that everything about using weights is an advantage. However there are disadvantages to using weights and all the advantages and disadvantages will be described below.

One of the advantages of using weights to work out is the way that you can strengthen your whole body. We all know that weights are used by the person using them standing still and then performing an action using the weights. This action can be moving your arms up and down or side to side. If you are not the type of person that likes to partake in running, swimming or any other kind of real life sport, then weights is the perfect solution to keeping your body toned and in great shape.

Another advantage of using weights to keep fit is when you are using these weights and your body is standing still. Your bones in your body are becoming active as they are trying to support you as you are doing the exercises. So you are in effect working out the entire body every time that you use weights to exercise.

There are disadvantages to using weights for exercising and the main disadvantage is safety. You should never exercise with weights alone. You should always have a supporter with you in case the worst happens. The most common safety concern is using the barbell. There is a possibility of becoming trapped under the barbell if you are unable to do a repetition due to the amount of weight on the barbell.

Another disadvantage when using weights is causing damage to your own body. As stated before you need your whole body when you are using weights. If you cannot keep complete control of your body when you are working out, then you are going to pull or even tare a muscle in your body. Also using heavy weights when you are not ready will always cause an injury to the part of your body that you are exercising. Always remember to start off small and then move on when you feel perfectly ready to do so.

Overall weights are a good way to work out. Millions of people use weights to do a daily work out. After one or two weeks you can start to feel your body becoming more and more toned. You can also feel the muscles in your body start to bulge a bit more then before. However safety will be the major concern to remember when you are using your weights. You must remember to stretch all the muscles in your body before you attempt to exercise your body. You have to get your heart pumping and when you are done remember to warm down so that your body knows that the workout is over. Warming down will prevent trapping any Lactic Acid in your body.

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