Personal Finance

Your mom hates this blog shares discount and financial tips in personal finance category. Coupons, saving money tips, resume and cover letter templates will be here.

Sample Cover Letter

Writing Good Cover Letters

Cover letters have become a necessary requirement now. if you are applying for a job, then you will have to attach a cover letter with your resume and other documents. There are times when you have to convey something extra to the employers but that cannot be mentioned in the resume. Cover letter comes handy in such situations.

The purpose of a cover letter is basically to tell the employer more about you. It will help the employer in deciding whether to call you for the interview or not.

Writing a good cover letter is as important as writing a resume. If your resume is perfect and your cover letter is awful then you will never get hired. There are people who are perfect for a job but because of a poor cover letter they are not selected. Everybody should know how to write a cover letter because it has become a need today.

Guidelines for a beginner:

If you are writing it yourself for the very first time, don’t begin with “I am very delighted to submit my application…” It’s a purely informal way to begin the letter. Professionals say that if you start the letter spelling out the job for which the ad had been posted, the name of the company where you are applying with the summary of your accomplishments and career then it will make your letter actually good. At the end of the letter, always request for a meeting.  The employers who read the letters have very short attention span. Make sure your cover letter is no more than one page.  If you will try to use too much flowery language and write paragraphs and paragraphs then your letter will simply go into the dustbin without even being read. No one would ever want that. Therefore, the key is to keep the letter simple yet catchy.

Sample Cover Letters

Experts also say that telling a story in the letter can help too. By story it’s not meant to lengthen up things. You can always relate your wish for doing the particular job with some experience in life.

If you have good terms with some employer already working in the organization where you are applying for the job then put the name of that contact in the first sentence of the letter. This will set you apart from the rest of the applicants and chances are you might be preferred from the rest.
Download Formal Cover Letter Sample
Download Cover Letter Pdf’s

Cover Letter Examples

Cover Letter Format
Cover Letter Format


Cover Letter Format
Cover Letter Format for Technical Writer
Cover Letter Format for Technical Writers


Cover Letter Sample for Nurses

Cover Letter Sample
Cover Letter Examples
Cover Letter Sample
Change Manager Cover Letter Sample

Another Cover Letter Examples

Cover Letter Examples
Cover Letter Examples
Balance Sheet

Balance Sheet Samples

A balance sheet is a financial statement that shows what the business is worth at a given point in time. The purpose of the balance sheet is to provide an idea of a company’s financial position.

Balance sheet is one of the important financial statements required to be maintained by each company. Balance sheet basically describes the financial position of a company at a certain point in time.  Balance sheet can be made monthly, quarterly and yearly.

Parts of a balance sheet:

A balance sheet has three parts, assets, liabilities and owner’s equity.

  • Assets are all those items which are owned by a business. The assets can be current as well as fixed. Formally, the assets of a company include land building, machines, inventory and more. These are the fixed assets. Cash and accountsreceivable are the intangible assets of a company. They are also called the current assets.  These assets account for the basic operation of a business and they are required for the daily operations.
  • Next comes liabilities. They are the loans a company has taken or in other words the amount owed to other organizations.  Liabilities can be current and long term. The current liabilities are those that need to be paid within a single year whereas long term liabilities are those that get mature after 2 or more years.  The current liabilities include notes payable and accounts payable whereas the long term liabilities include some long term debt like payroll taxes.
  • Last but not the least is owner’s equity. It is the right of ownership of the business holder or the owner of the business after deducting the liabilities. Common stock, retained earnings, and paid in capital are included into the owner’s equity section. Common stock is investment made in the business.  Retained earnings are the amount of net income left after the dividends have been paid to the shareholders of the company. Paid in capital is the additional amount paid by an investor above the stated value of the sold shares.

Balance Sheets

Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet
Balance Sheet

Balance sheets help business owners to analyze the strength as well as weakness of a business.  It will tell how much a company is in debts, what assets the business has and what is the earning of the company. Many of the banks view the balance sheets of companies before giving loans.  Even your creditor or investor will take a look at your balance sheet before doing business with you. This financial statement will help not only you but others interested in your business.

Download Balance Sheet Pdf : Balance Sheet-Pdf-001 Balance Sheet-Pdf-002 Balance-Sheet-Doc-01

If you are a shareholder of a company then it is important for you to know how to read the balance sheet and understand it.

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Cover Letter

Need A Cover Letter ?

Cover letter is of great importance but there are many such organizations that don’t read these letters at all. A friend of mine is working in a reputable company as a recruiting manager for 15 years and he has confessed that he has never read a cover letter in his tenure.

Since you may not know whether your cover letter will be read or not, you still have to put great emphasis of on making a great one. Many people question, if my employer will not be reading my cover letter, why should I even write one. Cover letters can help the job seekers in many ways. Do you know that a good cover letter can increase the chances of getting recruited?  (more…)

Income Statement Format

Free Income Statement Templates to Download

Being a business man or an employee in a business organization, you need to have an understanding of all the financial statements. Income statement is that financial statement which provides accounting information related to a business to the company’s shareholders, government and other entities involved.  A figure in terms of profit or loss is shown at the end of the statement. Income statement is also known as “Profit and Loss statement”. Like all other statements, it can also be produced monthly, quarter and annually. It tells the financial status of a business in a specific accounting period and shows the progress of the business. (more…)

Macys Coupon

Macys Coupon : Benefits You Get From Online Apparel Shopping

Women love to shop for apparel and footwear. Either in huge designer boutiques or in thrift stores, women try to buy clotheswherever they see a good and striking dress. The relationship between dresses and women is something a man can never understand. With the online facility and web stores, there are many ways you can buy clothes. You can select from manyproducts in an online store. Some of the famous online stores are the following listed below:

  • Macy
  • Fashion and you
  • 99 labels
  • EBay
  • Snap deal
  • Flipkart
  • And  many others

You can get different offers and deals only in online stores. They also give special offers to regular customers. Special discounts and sales are conducted in the online store on special occasions like Valentine’s Day, father’s day and mother’s day. Buying clothes from online stores is a good way to shop because you can select from many products and from many stores with just a click from the comfort of your home. There are many advantages with online shopping and they are presented in this article.

Advantages from buying clothes in online stores:

  • Convenience: people find it comfortable and convenient to shop clothes from online store because they don’t need to roam from one store to another store, which makes people weak and uncomfortable, especially in summers and in rainy season. This is the prime advantage for shopping clothes in online store. You can alsosave money on petrol and gas.
  • Choices: you can get many choices in the online store because almost all products in the online store will come in different sizes and colors. This makes us choose the appropriate size and color we want which may or may not available in stores.
  • Comparison facility: in online stores we can compare different products which are not possible in normal stores. We can do comparison by selecting the items and by clicking on compare button available in the website. This is one of the best advantages of shopping in online stores
  • Deals and offers: deals and offers are available only in online stores. Special discounts can be availed by using coupons. For example, with the help of macy’s coupon you can get extra discount in macy online store. Free shipping and fast home delivery are also the advantages of the online shopping
  • Savings: you can save a lot of money by doing online shopping. Apart from that EMI facility is also available at zero interests which will save your money.

You like these posts : 2013 Printable Calendar : Benefits Of Having A Calendar , Inventory Management Basics

2015 Calendar Lo5s1

Download Printable 2015 Calendar

Calendars – online and print friendly – for any year and month and including public holidays and observances for … Calendar for year 2015. New 2015 calendars are added. You can download and use these 2015 calendars free. There are also blank printable calendars here. Free Printable 2015 Calendar in PDF format. Monthly and weeekly calendars available. Click to download.

2017 Calendar Templates are downloadable now!

Some 2015 calendars are Ms Word format, other ones are just image. 2015 Calendar with American holidays. Yearly calendar showing months for the year 2015. Calendars. Click to download. High resolution 2015 calendar images with holidays. You can download and print these calendars. All of these calendars belong to You can download & print these 2015 calendars but please don’t use any blog or site without our permission. (more…)