because we always end up dipping into our 'emergency' money at Christmas (usually to squeeze in a mini-break to the beach) I split it up into 3 payments and tacked it onto her Oct, Nov, Dec paydays. She didn't mind; in fact she liked having the extra cash to send a few presents back home before the December rush.
They would also have to factor in Air Fares which are exorbitant this time of year as they would be apparently flying from New York based on their IP...