In part that was because Merrill accelerated $3.6 billion of bonus payments even as it spiralled towards a $27.6 billion annual loss last year.

部分原因在于，即使在去年其年损失螺旋上升至276亿美元的情况下，美林依旧加快了36亿美元的奖金支付。

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"Personal income in November and December was boosted by accelerated and special dividend payments to persons and by accelerated bonus payments and other irregular pay in private wages and salaries in anticipation of changes in individual income tax rates, " the Commerce Department's Bureau of Economic Analysis said.

BBC: US personal incomes jump ahead of New Year tax rise

The only beneficiary of accelerated mortgage payments is the bank, whose money you are effectively lending back to it at zero percent interest, money it can hold to bolster its capital requirements or lend to someone else and earn fees by selling the mortgage to a third party.

FORBES: In Hard Times, Mortgage Debt Can Set You Free

The month was marked by accelerated bonus and dividend payments, the US Commerce Department said.

BBC: US personal incomes jump ahead of New Year tax rise