Bonus vs. Salary Bump, Family Squabbles, and More Reader Quandaries Dear Cheapskate: I just had my annual review at work. My boss told me I’m doing a good job then gave me the option of taking my raise as a lump sum or a salary increase. But I’m not sure if it’s better to get the money all at once or spread out over the entire year. What is the right decision? -- Geoffrey, Ala. Dear Geoffrey:…