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"Cold Calling" employers - send resume when not hiring?

I don't know what to call it other than "cold calling" - when you send your resume to a company you would like to work for even if they have no job postings.  A lot of companies will keep your resume on file for when they are hiring, and I'm hoping to get a foot in the door somehow.

 

My question is, how you would address this in your cover letter.  Normally you would say what position you are applying for and where you found it, etc.  But, if they are not actually hiring, how would you phrase this on your cover letter. 

 

Also, this would be practically entry-level.  I am a very experienced legal secretary and I am looking for my first paralegal job as I just completed my paralegal degree.  I need to let the company know that I am willing to take less money than I make now and would need some training.  Should this even be addressed in the cover letter or wait until interview?

 

Sorry for all of the questions - I haven't applied for a job or written a cover letter in 6 years, much less for a completely different position.

 

Any advice would be greatly appreciated!

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