You’ve come across a posting for your dream job. The requirements and responsibilities look like they were tailor-made for you, and the company offers incredible benefits. You’re about to dust off your resume and get to work on the application, but then you read this statement: 

“Please include a cover letter with your application.” 

Do you try to skate by without submitting a cover letter, give up and move on to the next job opportunity, or get to work on crafting a thoughtful and professional cover letter? While many may dread this part of the job application process, including a well-written cover letter with your application and resume can help you stand out from other candidates.

Whether you’re just starting a new romantic relationship, are considering tying the knot or have been married for years, you’ve likely discovered conversation topics that you would prefer to avoid. Money and debt are often at the top of our personal “do not discuss” list, which can lead to major problems down the road. In a recent study of divorced individuals, 36.1% of them reported that financial problems were a big contributing factor to their divorce.