12 Minute Payday which you can find at 12MinutePayday.com is a work-at-home program created by Justin and Steven James. According to the people behind the website, this opportunity is a great way to make money online. One isn’t required to trade or host, not even work with Twitter or Facebook. The main opportunity offered by 12 Minute Payday is link building. Those who will sign up in their program will get to receive their six-figure business plan for free.