Packages are in the news this week. Unfortunately these aren’t the festively wrapped gifts we associate with the coming holiday season, but the kind that employers start handing out when they want to shed workers. What should you do if you’re on the receiving end of one? Here’s some advice on buyout offers and early-retirement packages from our Consumer Reports Money Adviser newsletter. If you have an experience of your own to share on this topic, we’d welcome your comments, below.