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Even though there are several nuances to consider (see below), in general terms:
If you're unsure of the woman's marital status (single, married, divorced, or widowed), then
use Ms., which will be safe 99% of the time.
Note: Ms. (from Mistress) is the female equivalent of Mr. (from Mister).
The titles (or honorifics as they're really called) Miss., Mrs., and Ms. are all contractions of
the word Mistress. In general terms:
However, these are not 100% rules, and there are some nuances worth learning if you do not
wish to offend.
Ms.
The contraction Ms. is short for Mistress.
Mistress is the female version of Mister (which is shortened to Mr.). Neither Ms. nor Mr. tells
us the marital status of the person.
When referring to a woman whose marital status is unknown, it is nearly always safe to use
Ms. It is also nearly always safe to use Ms. if the woman has been divorced or widowed and it
is unknown whether she wants to remain a Mrs. or revert to Miss.
Unfortunately, even though using Ms. ought to be 100% safe in all circumstances, some
married women believe it to be a lower status than Mrs. Therefore, to eliminate completely
the risk of causing any offence, you will need to do some investigative work to find out what
title the woman uses for herself.
Mrs.
Like Ms. and Miss., the contraction Mrs. is short for Mistress. It is used for a married woman.
Mrs. can also be used for a divorced or widowed woman who wishes to retain the title.
The reasons for retaining the Mrs. title are personal and varied, but they include (1) ensuring
the children's parents have the same surname, (2) maintaining respect for a deceased husband,
(3) warding off future suitors, and (4) maintaining the kudos of a famous husband.
Also of note, some married woman prefer Ms. over Mrs. as a sign of independence, and some
even use Ms. in a work setting and Mrs. in a home setting. Therefore, to eliminate completely
the risk of causing any offence, you will need to do some investigative work to find out what
title the woman uses for herself.
Miss.
Like Ms. and Mrs., the contraction Miss. is short for Mistress. It is used for an unmarried
woman.
It is highly appropriate to use Miss. for a young girl or woman below marrying age. Miss. can
also be used for a previously married woman, but you should only use Miss. if you know the
woman uses this title for herself. Using Miss. for a divorced or widowed woman carries the
connotation that she is available to suitors, and this could offend her.