Chances are you've already spent the bonus you've been expecting — in your imagination, anyway. It's not hard for most people to come up with ways to spend a lump of money

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But the first thing to consider, says Marc Lamontagne, a cerified financial planner with Ryan Lamontagne Inc. in Ottawa, is that the lump sum you're anticipating is probably not what it seems, because you haven't paid tax on it yet.

Full text: Stretching your bonus