12-Minute and Your Schedule

The 12-Minute Approach can be applied tons of ways to your schedule. We will submit you some ideas here but the possibilities are almost endless.

Why 12 Minutes

Using the 12-Minutes Approach will allow you to be more efficient; doing something different only 12 minutes every day can produce surprising results.

If you break down your day in 12-Minute Periods, you’ll find that there are 120 such Periods:

1 day = 24 hours x 60 minutes =

24 hours x 5 x 12-Minute = 120 x 12-Minute

Workout The 12-Minute Way

Whether you want to lose some weight or be in better shape, a simple solution exists:

Add a 12-Minute Workout to your daily routine!

Taking an extra 12 minutes a day or 1 hour a week to work out can greatly improve your figure and your general health.

Don’t serve me the “I don’t have time” excuse because people spend an average of 20 hours a week watching TV. If you can’t do without your favourite shows, you could at least exercise while enjoying them.

12-Minute Basics

Help To Change

By suggesting simple methods and unique ideas, the 12-Minute Approach will help you implement change and improve.

For exemple, for most people, the optimum concentration period is only 12 minutes. That is, the time they can really focus on a task.

So, learn to concentrate harder and focus on what’s at hand. Also consider that some change of pace may often help.

Teach your Children to Properly Manage their Money with Both an Investment Account and a Fun Account

Investment Account and Fun Account

To help your children adopt good financial habits, open them a Long term investment account. But also open them a Fun account.

Every time your children receive money, ask them to deposit half of it in their investment account and the other half in their fun account.

Subsequently, they can do whatever they want with their fun account money as long as it’s something fun for them.

Carefully Choose When to File Each Income Tax Return

Refunds Early, Payments Later

For each income tax return of your family, choose the most appropriate time to send it.

Thus, if a refund is expected: you should produce the corresponding income tax return as soon as possible. If you anticipate a payment: still prepare your tax return but only send it in a couple days before the deadline. Make sure to avoid late penalties.

All your family’s tax returns don’t have to be filed at the same time. Depending on your situation, maybe Mom’s can be sent in early to get her refund and Dad’s later to make his payment.

For Life Insurance, Know about the Theory of Decreasing Responsibility

Adequate Protection for Young Parents

For most families, life insurance needs are not permanent. Indeed, we need more protection while we are young and less when we get older. This is what stipulates the Theory of Decreasing Responsibility.

Thus, when you're young (let’s say 30): you need a lot of protection because your children are young and depend on you; you probably have some debts and a mortgage on your hands. You slowly start to save. Your death could have serious financial consequences for your family.