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I'm not very experienced - In fact I'm a new guy starting out fresh with a job, but I did interview with many firms [ and I did manage to get a job!], so here's my input :
Make sure its a one page resume unless you're an academic.
Ideally it should contain the following headings:
Your name on the top, followed by your address below it.
An objective, followed by your education, followed by your experience, followed by your skills, and lastly any additional stuff you would like to add [ Awards, Affiliations, etc] . Note, these are all headings!
Make sure there's not too much information, and try to make the design as clean as possible!
A resume and cover letter are generally used to submit your candidacy for different openings. Submitting your candidacy is not the same as applying for a position. I know that seems to be a matter of symantics but the distinction has to do with federal guidelines re: how long companies must keep applications. Generally speaking companies will invite you to apply for an opening once they are interested in your candidacy.
So to answer your question about attaching your resume and cover letter to your application, Take it on a case by case basis and do what the application asks.
Re: how to write a resume. It's not simply a matter of filling out a template. You want to make your resume easy to scan for both humans (by using bullet points and plenty of white space) and computers (by making it keyword rich). You also need to sell the reader on your capabilities by linking your responsibilities and accomplishments in at features/benefits format.
Here are more tips on how to write a resume Write a Resume That Gets the Interview - 7 Characteristics to Include (http://ezinearticles.com/?Write-a-Resume-That-Gets-the-Interview---7-Characteristics-to-Include&id=1724570 - broken link)
Best of luck to you.
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