Work & Money Archives - Senior Planet from AARP /category/work-and-money/ Aging With Attitude Fri, 23 Jan 2026 02:46:10 +0000 en-US hourly 1 https://seniorplanet.org/wp-content/uploads/2022/04/cropped-SYMBOL_RGB_RED-32x32.png Work & Money Archives - Senior Planet from AARP /category/work-and-money/ 32 32 The 4 Percent Rule – Revisited https://seniorplanet.org/articles-the-4-percent-rule/ https://seniorplanet.org/articles-the-4-percent-rule/#comments Mon, 12 Jan 2026 11:22:55 +0000 https://seniorplanet.org/?p=209330 Is the 4 percent rule still relevant for retirees who want to know how much to withdraw from nest eggs each year - without running out of money?

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]]> https://seniorplanet.org/articles-the-4-percent-rule/feed/ 1 2025’s Top Scams https://seniorplanet.org/articles-top-scam-trends-for-2025/ https://seniorplanet.org/articles-top-scam-trends-for-2025/#comments Thu, 18 Dec 2025 11:05:35 +0000 https://seniorplanet.org/?p=207410 You're not imagining things - there really are more frauds and scams targeting older folks than ever before.

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]]> https://seniorplanet.org/articles-top-scam-trends-for-2025/feed/ 1 Estrategias fiscales de fin de año para personas mayores https://seniorplanet.org/articles-es-estrategias-fiscales-de-fin-de-ano-para-personas-mayores/ https://seniorplanet.org/articles-es-estrategias-fiscales-de-fin-de-ano-para-personas-mayores/#respond Mon, 08 Dec 2025 21:31:27 +0000 https://seniorplanet.org/?p=208757 Los cambios incluidos en el “One Big Beautiful Bill” tendrán un impacto en la planificación fiscal de las personas mayores y los jubilados este año y en los próximos. ¿Estará listo?

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]]> https://seniorplanet.org/articles-es-estrategias-fiscales-de-fin-de-ano-para-personas-mayores/feed/ 0 Year-End Tax Strategies for Seniors https://seniorplanet.org/articles-year-end-tax-strategies/ https://seniorplanet.org/articles-year-end-tax-strategies/#comments Mon, 08 Dec 2025 11:22:58 +0000 https://seniorplanet.org/?p=206347 Changes in the “One Big Beautiful Bill” will impact tax planning for seniors and retirees for this year and beyond. Will you be ready?

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]]> https://seniorplanet.org/articles-year-end-tax-strategies/feed/ 3 Medicare Update https://seniorplanet.org/articles-medicare-update/ https://seniorplanet.org/articles-medicare-update/#comments Mon, 10 Nov 2025 11:31:43 +0000 https://seniorplanet.org/?p=204476 Expect changes in Medicare this year - higher drug prices, higher co-pays, and doctors and hospitals dropping from Medicare Advantage plans.

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]]> https://seniorplanet.org/articles-medicare-update/feed/ 1 Planificación financiera para “jubilados huérfanos” https://seniorplanet.org/articles-es-planificacion-financiera-para-jubilados-huerfanos/ https://seniorplanet.org/articles-es-planificacion-financiera-para-jubilados-huerfanos/#respond Thu, 23 Oct 2025 16:09:23 +0000 https://seniorplanet.org/?p=206618 La mayoría de los estadounidenses están envejeciendo solos, sin pareja ni familiares cercanos. Estos «jubilados huérfanos» se enfrentan a retos financieros especiales.

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]]> https://seniorplanet.org/articles-es-planificacion-financiera-para-jubilados-huerfanos/feed/ 0 Financial Planning for “Orphan Retirees” https://seniorplanet.org/articles-financial-orphan-retirees/ https://seniorplanet.org/articles-financial-orphan-retirees/#comments Thu, 23 Oct 2025 10:23:02 +0000 https://seniorplanet.org/?p=203897 More Americans are aging alone, without spouses or any close family members. These "orphan retirees" face special financial challenges.

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]]> https://seniorplanet.org/articles-financial-orphan-retirees/feed/ 20 The Senior Debt Trap https://seniorplanet.org/articles-senior-debt/ https://seniorplanet.org/articles-senior-debt/#comments Mon, 13 Oct 2025 10:05:26 +0000 https://seniorplanet.org/?p=202289 Debt among Americans going into retirement is reaching alarmingly high levels - are you one of the four in ten at high risk?

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]]> https://seniorplanet.org/articles-senior-debt/feed/ 5 A New Way To Think About Estate Planning https://seniorplanet.org/articles-new-estate-planning/ https://seniorplanet.org/articles-new-estate-planning/#respond Mon, 29 Sep 2025 10:06:52 +0000 https://seniorplanet.org/?p=193083 There's a new concept in estate planning that focuses on improving generational wealth, and not just based on even distribution of assets.

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]]> https://seniorplanet.org/articles-new-estate-planning/feed/ 0 If You Can’t Get Long-Term Care Insurance… https://seniorplanet.org/articles-no-long-term-care-insurance/ https://seniorplanet.org/articles-no-long-term-care-insurance/#comments Thu, 25 Sep 2025 10:01:57 +0000 https://seniorplanet.org/?p=186116 What if you can’t get long-term-care insurance? There are still a few options. 

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]]> https://seniorplanet.org/articles-no-long-term-care-insurance/feed/ 2 The ABC’s of RMD’s https://seniorplanet.org/articles-the-abcs-of-rmds/ https://seniorplanet.org/articles-the-abcs-of-rmds/#comments Mon, 08 Sep 2025 10:00:06 +0000 https://seniorplanet.org/?p=199536 Tax deferred retirement accounts aren't tax free. Learn about changes in the laws covering mandatory - and taxable - Required Minimum Distributions.

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]]> https://seniorplanet.org/articles-the-abcs-of-rmds/feed/ 1 Actualización del Seguro Social en su aniversario 90 https://seniorplanet.org/articles-es-actualizacion-del-seguro-social-en-su-aniversario-90/ https://seniorplanet.org/articles-es-actualizacion-del-seguro-social-en-su-aniversario-90/#respond Mon, 11 Aug 2025 20:00:54 +0000 https://seniorplanet.org/?p=202884 En medio de una gran incertidumbre el Seguro Social cumple 90 años.

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]]> https://seniorplanet.org/articles-es-actualizacion-del-seguro-social-en-su-aniversario-90/feed/ 0 Social Security Update as it Hits 90 https://seniorplanet.org/articles-social-security-update-90/ https://seniorplanet.org/articles-social-security-update-90/#respond Mon, 11 Aug 2025 10:06:16 +0000 https://seniorplanet.org/?p=197577 Social Security turns 90 this year amid much public uncertainty about its future.

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]]> https://seniorplanet.org/articles-social-security-update-90/feed/ 0 Aniversario 60 de Medicare y actualización https://seniorplanet.org/articles-es-aniversario-60-de-medicare-y-actualizacion/ https://seniorplanet.org/articles-es-aniversario-60-de-medicare-y-actualizacion/#respond Mon, 14 Jul 2025 21:01:31 +0000 https://seniorplanet.org/?p=199631 Entre recortes de personal e inquietudes acerca de la reducción de beneficios, hay mucho que reflexionar a medida que se acerca el aniversario 60 de Medicare.

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]]> https://seniorplanet.org/articles-es-aniversario-60-de-medicare-y-actualizacion/feed/ 0 Medicare’s 60th Anniversary and Update https://seniorplanet.org/articles-medicares-60th-anniversary/ https://seniorplanet.org/articles-medicares-60th-anniversary/#comments Mon, 14 Jul 2025 10:41:05 +0000 https://seniorplanet.org/?p=195216 Between staffing cuts and worries about benefit cuts, there’s a lot to think about as Medicare approaches its 60th anniversary.

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]]> https://seniorplanet.org/articles-medicares-60th-anniversary/feed/ 1 Retiree Stock Market Scare? https://seniorplanet.org/articles-retiree-stock-market-scare/ https://seniorplanet.org/articles-retiree-stock-market-scare/#respond Mon, 09 Jun 2025 10:14:59 +0000 https://seniorplanet.org/?p=191796 Current stock market volatility makes it a scary time for retirees and pre-retirees who worry about their nest eggs - so make a plan now.

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]]> https://seniorplanet.org/articles-retiree-stock-market-scare/feed/ 0 Ponga en orden sus cuentas https://seniorplanet.org/articles-es-ponga-en-orden-sus-cuentas/ https://seniorplanet.org/articles-es-ponga-en-orden-sus-cuentas/#respond Mon, 12 May 2025 16:02:00 +0000 https://seniorplanet.org/?p=195609 Hoy en día, el estadounidense promedio tiene 100 cuentas digitales, pero ¿realmente las necesita todas? Aprenda a tomar el control.

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]]> https://seniorplanet.org/articles-es-ponga-en-orden-sus-cuentas/feed/ 0 Declutter Your Accounts https://seniorplanet.org/articles-declutter-your-accounts/ https://seniorplanet.org/articles-declutter-your-accounts/#comments Mon, 12 May 2025 10:54:48 +0000 https://seniorplanet.org/?p=191003 Today the average American has 100 digital accounts - but do you really need all of them? Here's how to take control.

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]]> https://seniorplanet.org/articles-declutter-your-accounts/feed/ 3 ¿Participa su cónyuge en las decisiones financieras de su familia? https://seniorplanet.org/articles-es-participa-su-conyuge-en-las-decisiones-financieras-de-su-familia/ https://seniorplanet.org/articles-es-participa-su-conyuge-en-las-decisiones-financieras-de-su-familia/#respond Mon, 14 Apr 2025 17:17:29 +0000 https://seniorplanet.org/?p=193582 Algunas historias de catástrofe económica tras la muerte o el divorcio de un cónyuge son desgarradoras, pero evitables. ¿Participa su cónyuge en las decisiones financieras de su familia?

The post ¿Participa su cónyuge en las decisiones financieras de su familia? appeared first on Senior Planet from AARP.

]]> https://seniorplanet.org/articles-es-participa-su-conyuge-en-las-decisiones-financieras-de-su-familia/feed/ 0 Are Your Family’s Finances a Team Effort? https://seniorplanet.org/articles-familys-finances-team-effort/ https://seniorplanet.org/articles-familys-finances-team-effort/#respond Mon, 14 Apr 2025 10:00:30 +0000 https://seniorplanet.org/?p=189352 Some stories of economic catastrophe in the wake of a spouse's death or divorce are heartbreaking - and avoidable. Are your family finances a team effort?

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]]> https://seniorplanet.org/articles-familys-finances-team-effort/feed/ 0 Senior Planet News: Attention, Entrepreneurs! https://seniorplanet.org/articles-senior-planet-news-entrepreneurs/ https://seniorplanet.org/articles-senior-planet-news-entrepreneurs/#respond Wed, 09 Apr 2025 10:30:56 +0000 https://seniorplanet.org/?p=188860 Get schooled on digital tools, resources and classes for senior entrepreneurs offered by Senior Planet.

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]]> https://seniorplanet.org/articles-senior-planet-news-entrepreneurs/feed/ 0 Medidas fiscales de última hora https://seniorplanet.org/articles-es-medidas-fiscales-de-ultima-hora/ https://seniorplanet.org/articles-es-medidas-fiscales-de-ultima-hora/#respond Mon, 10 Mar 2025 18:52:57 +0000 https://seniorplanet.org/?p=189087 Incluso con las fechas límite acercándose, todavía hay algunas medidas de última hora que puede tomar para reducir sus impuestos de 2024.

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]]> https://seniorplanet.org/articles-es-medidas-fiscales-de-ultima-hora/feed/ 0 Last-Minute Tax Moves https://seniorplanet.org/articles-last-minute-tax-moves/ https://seniorplanet.org/articles-last-minute-tax-moves/#respond Mon, 10 Mar 2025 10:08:55 +0000 https://seniorplanet.org/?p=186864 Even with deadlines looming, there are still some last-minute actions you can take to reduce your 2024 taxes.

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]]> https://seniorplanet.org/articles-last-minute-tax-moves/feed/ 0 Qué hacer antes de que ocurra una catástrofe https://seniorplanet.org/articles-es-que-hacer-antes-de-que-ocurra-una-catastrofe/ https://seniorplanet.org/articles-es-que-hacer-antes-de-que-ocurra-una-catastrofe/#comments Mon, 10 Feb 2025 16:38:53 +0000 https://seniorplanet.org/?p=186947 ¿Está usted preparado para una catástrofe que azote su hogar? Utilice estos siete consejos de expertos para planificar y prepararse.

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]]> https://seniorplanet.org/articles-es-que-hacer-antes-de-que-ocurra-una-catastrofe/feed/ 3 What To Do Before Disaster Strikes https://seniorplanet.org/articles-before-disaster-strikes/ https://seniorplanet.org/articles-before-disaster-strikes/#comments Mon, 10 Feb 2025 11:53:43 +0000 https://seniorplanet.org/?p=185398 Are you prepared for a disaster striking your home? Use these seven tips from experts to plan and prepare.

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]]> https://seniorplanet.org/articles-before-disaster-strikes/feed/ 3 ¿Es buena idea dejar la jubilación? https://seniorplanet.org/articles-es-buena-idea-dejar-la-jubilacion/ https://seniorplanet.org/articles-es-buena-idea-dejar-la-jubilacion/#comments Mon, 13 Jan 2025 21:30:35 +0000 https://seniorplanet.org/?p=185889 Antes de jubilarse, debe pensar en mucho más que sus finanzas, o tal vez simplemente… dejar su jubilación.

The post ¿Es buena idea dejar la jubilación? appeared first on Senior Planet from AARP.

]]> https://seniorplanet.org/articles-es-buena-idea-dejar-la-jubilacion/feed/ 2 Should You Unretire? https://seniorplanet.org/articles-unretirement/ https://seniorplanet.org/articles-unretirement/#comments Mon, 13 Jan 2025 11:49:28 +0000 https://seniorplanet.org/?p=184254 Before you retire, you need to think about much more than your finances, or maybe just...unretire.

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]]> https://seniorplanet.org/articles-unretirement/feed/ 3 Don’t Fall for a Travel Scam https://seniorplanet.org/articles-travel-scam-holiday/ https://seniorplanet.org/articles-travel-scam-holiday/#comments Thu, 19 Dec 2024 11:24:53 +0000 https://seniorplanet.org/?p=172105 While you're looking for arrangements for a nice trip during the holiday season, travel scammers are looking, too - for you.

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]]> https://seniorplanet.org/articles-travel-scam-holiday/feed/ 1 Year End Tax Tips https://seniorplanet.org/articles-year-end-tax-tips/ https://seniorplanet.org/articles-year-end-tax-tips/#respond Mon, 09 Dec 2024 11:58:30 +0000 https://seniorplanet.org/?p=181264 There's still time for tax-saving moves before year end - discover Senior Planet's helpful resources - and don't forget charitable contributions.

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]]> https://seniorplanet.org/articles-year-end-tax-tips/feed/ 0 Time To Consider a Roth Conversion? https://seniorplanet.org/articles-roth-conversion/ https://seniorplanet.org/articles-roth-conversion/#comments Mon, 11 Nov 2024 11:42:24 +0000 https://seniorplanet.org/?p=180539 As we approach the end of another new tax year, it’s time again to determine if a Roth conversion makes sense for you.

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]]> https://seniorplanet.org/articles-roth-conversion/feed/ 1 The Ins and Outs of Medicare Re-Enrollment https://seniorplanet.org/articles-medicare-re-enrollment/ https://seniorplanet.org/articles-medicare-re-enrollment/#comments Thu, 17 Oct 2024 10:27:19 +0000 https://seniorplanet.org/?p=179244 Philip Moeller, author and expert on Medicare and Social Security, talks about the ins and outs of applying for Medicare.

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]]> https://seniorplanet.org/articles-medicare-re-enrollment/feed/ 3 Medicare vs. Medicare Advantage (en español) https://seniorplanet.org/articles-es-medicare-vs-medicare-advantage/ https://seniorplanet.org/articles-es-medicare-vs-medicare-advantage/#comments Mon, 14 Oct 2024 18:55:00 +0000 https://seniorplanet.org/?p=182099 ¿Medicare original? ¿Medicare Advantage? ¿Medigap? La inscripción abierta trae consigo una variedad confusa de planes y plazos.

The post Medicare vs. Medicare Advantage (en español) appeared first on Senior Planet from AARP.

]]> https://seniorplanet.org/articles-es-medicare-vs-medicare-advantage/feed/ 2 Medicare vs. Medicare Advantage https://seniorplanet.org/articles-medicare-vs-medicare-advantage/ https://seniorplanet.org/articles-medicare-vs-medicare-advantage/#comments Mon, 14 Oct 2024 10:08:53 +0000 https://seniorplanet.org/?p=178245 Original Medicare? Medicare Advantage? Medigap? Open enrollment brings a confusing array of plans and deadlines.

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]]> https://seniorplanet.org/articles-medicare-vs-medicare-advantage/feed/ 10 The Retirement Savings Tax Bomb https://seniorplanet.org/articles-the-retirement-savings-tax-bomb/ https://seniorplanet.org/articles-the-retirement-savings-tax-bomb/#comments Thu, 10 Oct 2024 10:00:08 +0000 https://seniorplanet.org/?p=174269 Are you a 401(k) "millionaire"? Beware the tax bomb waiting for you when you retire.

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]]> https://seniorplanet.org/articles-the-retirement-savings-tax-bomb/feed/ 12 Go Back to School for Extra Income https://seniorplanet.org/articles-money-back-to-school-income/ https://seniorplanet.org/articles-money-back-to-school-income/#comments Mon, 09 Sep 2024 10:09:27 +0000 https://seniorplanet.org/?p=176692 Want extra income? With some time and training, professional certificate programs might be the way to go.

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]]> https://seniorplanet.org/articles-money-back-to-school-income/feed/ 5 Un cumpleaños incierto para el Seguro Social https://seniorplanet.org/articles-es-un-cumpleanos-incierto-para-el-seguro-social/ https://seniorplanet.org/articles-es-un-cumpleanos-incierto-para-el-seguro-social/#respond Thu, 22 Aug 2024 19:45:40 +0000 https://seniorplanet.org/?p=184575 A medida que el Seguro Social se acerca a su 90° aniversario, reina la incertidumbre… y esta ha ido creciendo durante años. ¿Qué soluciones hay en el horizonte?

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]]> https://seniorplanet.org/articles-es-un-cumpleanos-incierto-para-el-seguro-social/feed/ 0 An Uncertain Birthday for Social Security https://seniorplanet.org/articles-uncertain-social-security/ https://seniorplanet.org/articles-uncertain-social-security/#comments Thu, 22 Aug 2024 10:18:13 +0000 https://seniorplanet.org/?p=175659 As Social Security approaches its 90th birthday, uncertainty reigns...and it has been building for years. What solutions are on the horizon?

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]]> https://seniorplanet.org/articles-uncertain-social-security/feed/ 6 No se tome vacaciones de su presupuesto https://seniorplanet.org/articles-no-se-tome-vacaciones-de-su-presupuesto/ https://seniorplanet.org/articles-no-se-tome-vacaciones-de-su-presupuesto/#respond Mon, 12 Aug 2024 18:43:06 +0000 https://seniorplanet.org/?p=177385 Si no desea terminar pagando deudas de tarjetas de crédito durante los próximos cinco años después de esas vacaciones europeas de dos semanas, prepare un plan. Los expertos ofrecen consejos.

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]]> https://seniorplanet.org/articles-no-se-tome-vacaciones-de-su-presupuesto/feed/ 0 Don’t Take a Vacation From Your Budget https://seniorplanet.org/articles-vacation-budget/ https://seniorplanet.org/articles-vacation-budget/#comments Mon, 12 Aug 2024 10:28:50 +0000 https://seniorplanet.org/?p=174671 If you don’t want to end up paying off credit card debt for the next five years after that two-week European vacation, have a plan. Experts offer tips.

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]]> https://seniorplanet.org/articles-vacation-budget/feed/ 2 ¿Puede permitirse una vivienda para personas mayores? https://seniorplanet.org/articles-vivienda-para-personas-mayores/ https://seniorplanet.org/articles-vivienda-para-personas-mayores/#comments Mon, 08 Jul 2024 14:00:56 +0000 https://seniorplanet.org/?p=175191 Los folletos comunitarios sobre viviendas para personas mayores que recibe en su buzón se ven geniales: apartamentos grandes, comedores elegantes, gimnasios y piscinas. ¿Cómo encuentra el idóneo para usted?

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]]> https://seniorplanet.org/articles-vivienda-para-personas-mayores/feed/ 1 Can You Afford Senior Living Housing? https://seniorplanet.org/articles-afford-senior-housing/ https://seniorplanet.org/articles-afford-senior-housing/#comments Mon, 08 Jul 2024 10:43:38 +0000 https://seniorplanet.org/?p=172289 Senior living community pamphlets in your mailbox all look great - big apartments, fancy dining rooms, gyms and  swimming pools.  How do you find the one that's right for you?

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]]> https://seniorplanet.org/articles-afford-senior-housing/feed/ 15 Los estafadores aumentan la focalización en personas mayores con una nueva herramienta https://seniorplanet.org/articles-estafadores-y-personas-mayores/ https://seniorplanet.org/articles-estafadores-y-personas-mayores/#respond Mon, 10 Jun 2024 18:07:49 +0000 https://seniorplanet.org/?p=174171 Los estafadores se dirigen más que nunca a las personas mayores... y han encontrado un nuevo y diabólico giro.

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]]> https://seniorplanet.org/articles-estafadores-y-personas-mayores/feed/ 0 Scammers Ramp up Senior Targeting with a New Tool https://seniorplanet.org/articles-scammed/ https://seniorplanet.org/articles-scammed/#comments Mon, 10 Jun 2024 10:06:12 +0000 https://seniorplanet.org/?p=170935 Scammers are targeting seniors more than ever...and they've found a diabolical new twist.

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]]> https://seniorplanet.org/articles-scammed/feed/ 2 Cut Grocery Bills with Digital Coupons https://seniorplanet.org/articles-tech-digital-coupons/ https://seniorplanet.org/articles-tech-digital-coupons/#comments Mon, 03 Jun 2024 10:03:59 +0000 https://seniorplanet.org/?p=170753 Why clip coupons? Digital grocery couponing is easy, with many apps that streamline the process and help save you time and money when you shop.

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]]> https://seniorplanet.org/articles-tech-digital-coupons/feed/ 4 ¿Hay un tesoro en su ático? https://seniorplanet.org/articles-hay-un-tesoro-en-su-atico/ https://seniorplanet.org/articles-hay-un-tesoro-en-su-atico/#respond Mon, 13 May 2024 16:00:04 +0000 https://seniorplanet.org/?p=170876 ¿Hay alguna fortuna escondida en su garaje, ático o sótano? Le sorprendería saber qué consideran valioso los coleccionistas.

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]]> https://seniorplanet.org/articles-hay-un-tesoro-en-su-atico/feed/ 0 Is There Treasure in Your Attic? https://seniorplanet.org/articles-money-treasure-attic/ https://seniorplanet.org/articles-money-treasure-attic/#comments Mon, 13 May 2024 10:00:38 +0000 https://seniorplanet.org/?p=169598 Is there a fortune hidden in your garage, attic or basement? You'd be surprised to learn what collectors consider valuable.

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]]> https://seniorplanet.org/articles-money-treasure-attic/feed/ 9 Timing Your Social Security https://seniorplanet.org/articles-timing-social-security/ https://seniorplanet.org/articles-timing-social-security/#comments Mon, 29 Apr 2024 10:28:45 +0000 https://seniorplanet.org/?p=168941 Deciding how to time Social Security - take early benefits, wait till retirement age or hold off till age 70 - is a tricky decision.

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]]> https://seniorplanet.org/articles-timing-social-security/feed/ 3 Cómo elegir un albacea para su herencia https://seniorplanet.org/article-es-como-elegir-un-albacea-para-su-herencia/ https://seniorplanet.org/article-es-como-elegir-un-albacea-para-su-herencia/#respond Mon, 08 Apr 2024 16:49:39 +0000 https://seniorplanet.org/?p=184069 Su hijo favorito suele serlo por alguna razón, pero eso no significa que sea el más indicado para ser su albacea.

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]]> https://seniorplanet.org/article-es-como-elegir-un-albacea-para-su-herencia/feed/ 0 How to Pick an Executor for Your Estate https://seniorplanet.org/articles-money-executor/ https://seniorplanet.org/articles-money-executor/#comments Mon, 08 Apr 2024 10:47:18 +0000 https://seniorplanet.org/?p=167155 Your favorite child is usually your favorite for a reason, but that doesn’t  mean that s/he is best suited to be your executor.

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]]> https://seniorplanet.org/articles-money-executor/feed/ 2 Open Thread Update: Your First Jobs https://seniorplanet.org/articles-open-thread-first-jobs/ https://seniorplanet.org/articles-open-thread-first-jobs/#comments Fri, 15 Mar 2024 10:31:57 +0000 https://seniorplanet.org/?p=165325 Galley hand? Switchboard operator? Vegetable girl? Readers share their very first job experience and their first boss — what's yours?

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