February 24, 2017

12-Minute Diet and Meal Planner (Revisited)

The 12-Minute Series was originally posted in 2012.

We’ve decided to republish it integrally because we believe it can still help as everyone aspires to make things better.

Let’s hope it stirs up the discussion and stimulates you to change the world 12-Minute at a time!








This article was originally posted on August 12, 2012

When it comes down to food, the 12-Minute Way can be quite useful to help you manage your diet and plan your meals. 

There’s more to it than the common dozen eggs.

Because approximately 40% of food goes to waste in America, an incredible opportunity for improvement exists in the vast food domain, an opportunity to save precious resources and money.

But also an opportunity to reduce stress and free up some of your schedule because, day after day, food preparation can sometimes be pretty hectic and time consuming.

February 12, 2017

Portfolio Update February 2017

Please note that our next update can be expected in about 12 weeks, in May 2017.
You can also have a look at our actual portfolio and previous portfolio updates here:


Despite everyone’s fears after the US election, markets ended 2016 very well. In fact, this year usual «Santa Claus Rally» was replaced by a very nice «Trump Rally».

Will it last? Our typical answer prevails: nobody knows!

Markets still look expensive as they continue to hover close to record highs. In the latter part of January, we could sense markets were getting nervous about the first moves of the Trump administration. In fact, turbulences began around inauguration day.

February 06, 2017

DIY Outrageous Fees

Because of the new investment-fee disclosure rules in Canada, information on our annual investment statements has changed a bit. These changes also apply to DIY investors.

As a result, a couple weeks back, looking at one of our investment accounts 2016 annual statement, I was quite shocked. We are paying outrageous fees!
OK, I’m just being a tad ironic.

Despite the fact we made 6 transactions in that account last year (which is a lot because our average over the years is under 2) and that we paid the highest cost per transaction compared to our other DIY accounts, our annual fees still represented just 0.19% of our account value.

As we already discussed a while back, fees are probably one of the main reasons our DIY Portfolio is doing much better than popular funds.

Here’s the same chart we presented First in July 2015 and Again in November 2015. You can see that even though the gap has narrowed a little, we still remain well ahead.

Photo Credit


January 24, 2017

12-Minute Ways to Have a Better Day (Revisited)


The 12-Minute Series was originally posted in 2012.


We’ve decided to republish it integrally because we believe it can still help as everyone aspires to make things better.

Let’s hope it stirs up the discussion and stimulates you to change the world 12-Minute at a time!




This article was originally posted on July 12, 2012



Here are some simple 12-Minute Ideas to help things go smoothly; to have a brighter and merrier day.

Sometimes, 12-Minute it’s all it takes!

1-Wake Up 12-Minute Earlier

This will allow you to take time to smell the roses and relax before you start your morning routine or
to take a little more time before you embark in a busy work day.  

2-Take 12-Minute to Breathe

Take a break during an hectic day and just breathe!

3-Invest 12-Minute to Plan Your Day

Plan you day early in the morning or the next one late at night.

January 18, 2017

New Year and Dividend Income Update 2017


As usual, figures have been added on several pages of our blog to reflect last year’s results.

These pages have been updated:



We are especially proud that on top of the 100K$ we invested over the years in our DIY Portfolio, it also grew up by an additional 100K$. In fact, we achieved that significant and motivating milestone back on December 16th 2016. 


January 12, 2017

Preparing for Extensive Time Off

As 2017 is only a couple days old, I already believe it will be a great year, or at least, it will be a great one for me. Forgive my selfishness but I especially look forward to this brand new year as I will be able to enjoy my second 6-month leave of absence from work. 

So my big project this year: to have time and to enjoy the freedom it can give me!

All this began to truly take shape back in 2015 as I Signed Up on a 2-Year Program that will end with a 6-Month Leave. Despite the fact we are a couple months away from the actual time off, it’s just around the corner, I’m starting to feel it and can’t wait to taste it for real.

This is the second occasion I took advantage of that type of leave. In my 2012 leave, among many ventures, Our Exciting 24-Day Trip to Italy is surely what marked me the most!

Meanwhile, with still a lot of on-going and new projects boiling in my mind, I am ironically lacking what I will have plenty of by the middle of the year: precious time!

Luckily, I can rely on the 12-Minute Approach to help pace myself, effectively materializing many of those ideas while maintaining a relatively healthy balance in my life.

Plan Not to Over-Plan