Sounds like you might be at HIO. I suggest do not take the money. Instruct until you've got 500 hours TT then try hard to get a job with a Pictometry vendor. They typically pay a lot better than your gig at HIO and you can build time faster while gaining real-world cross country experience. Then you'll have your pick of regionals and be able to take whatever bonus is offered at the time. My $0.02.