When it is December every year, I would review how much I have earned through the year and most important of all, how much I have saved through the year and whether the savings have met the savings targets set at the beginning of the year. And probably, now is the Best time to carry out such a review of our earnings and savings provided one keeps a record of one’s daily expenditures and incomes; I do so and hence working out the figures for my savings and earnings is not difficult. As I looked at the income figures, I was a bit surprised as I had a small pay increment but the total income from my employment was still a little than that of year 2015. Why was that so? And how it could be so, you might ask? Well, the reason is simple: bonuses paid this year are ......