#301: The 6 Best Dividend Stocks to Buy

22:48Emmet:word dividends and when you said to me hey we did a growth stock edition let's do a dividend edition only one word every time flares into my mind there's certain um hot buttons on my mind i think i told you before when i hear the word activision the number 11 comes into my mind because i own shares in activision and pretty much checked when i was earlier in a greenhorn investor check the share price five times a day as you do in the early stages of your investing life for years on end and it was always 11 so I ended up when I hear the word Activision the number 11 appears in front of my eyes similarly when I hear the word dividend only one word just instantly comes into my hand head which is aristocrats okay and this is the one ETF that I have most admired in my life and the one I wish I could own if I didn't live in a country that treats ETF investing like the second cousin of something underhand.

23:51Mike:Well I'm glad you brought that up because we're going to have a little mini conversation at the end of this podcast on that so keep going.

23:59Emmet:We are well I'm going to preempt it with a mini rant because in Ireland as most of our listeners know and to our American listeners sorry just hold your breath for 30 seconds okay thanks to this thing called an eight-year deemed disposal rule which effectively taxes long-term ETF holders whether they sell or not it makes ETFs impossible to invest in if you're familiar with the movie Goodfellas here's an analogy I re-watched Goodfellas probably my most watched movie of my life I watched it the other night with my with my younger son who's old enough to see it and you might remember there's a scene where Henry Hill, Ray Liotta's character, explains in his narrative the benefits of having the mafia involved in your business, where all your suppliers will always deliver on time.

24:47Emmet:All your debtors will pay the money they owe you, but you better pay up to Pauly at the end of the month. You better pay up. And he'd use the expression, F you, where's my money? And no matter what you better pay your money i look on etf investing in ireland a bit like that where it's like are you kidding me i'm being extorted to pay tax on something i haven't crystallized every eight years okay rant over take your breath americans it's so wrong anyway anyway the different aristocrats is it has a ticker called noble n-o-b-l isn't that a lovely ticker like nobility already you're picturing monocles and top hats you're like oh i want a bit of that that's a nice one so nobl is truly one of the most beautiful and i just have lusted after the dividend aristocrats for years because it's chart is of stuff of lore if you just go and just nobl look at its chart it looks like the side of of the hanen cam in in in austria it's just this beautiful straight line up now the s p 500 dividend aristocrats to give it its full name is an index of US companies that have increased their dividend every single year for at least 25 consecutive years.

26:08Emmet:So that's the qualifying criteria to make the club. And it also needs to meet size and liquidity requirements. But if we ignore our little tax quirk, which we're going to talk about, pure mafia at the end, and I don't like complaining about anything. I really don't, my despite sitting opposite each other for so long i don't like complaining about stuff unless i've really given it a good shot at fixing it and alas i have actually submitted a view on the hot mess called um hr deemed disposal through the solid through very solid channels but here we are but the reason i love dividend aristocrats is is i think is the most certain 10.9 percent compounded annual growth rate you'll ever find that's that's my claim i think it is the most solid investment in the world.

26:56Emmet:That's why I love it.

26:58Mike:When you want your spring break to feel like and your kids' pool day to feel like and your hotel bed to feel like and room service to feel like because at Hilton, hospitality feels like

27:16Emmet:Your cabana's ready. Would you like fresh towels?

27:19Mike:It matters where you stay. book now at hilton.com hilton for this day very good but i'm gonna match you with uh solidity for my first one uh it's a company i've mentioned a few times on the podcast it's called investor ab it's dubbed the swedish berkshire hathaway um oh lovely uh i've talked about it a lot i haven't talked about it in a while though and i think it's very and i'm delighted you're talking about it again because

27:48Emmet:my gray old hair and the brain underneath that has kind of forgotten but i remember the excitement i felt the last time you spoke about it but that's all i remember the feeling

27:58Mike:so it's a big huge conglomerate similar to berkshire it owns a big stakes in a bunch of public companies that's about 70 of its portfolio then it has a subsidiary called patricia industries so it's a holy it's a holding company that then has its own subsidiaries they're primarily focused on medtech healthcare and industrials that's about 20 of the portfolio and then the last 10 is its private equity arm called eqt uh it's over 100 years old i think it's about 110 years old sweden's largest company it invests heavily in sweden which we know produces some incredible public companies and and in that guys i suppose it's kind of a bet on sweden sweden's economy overall do you know what i mean um so with that in mind i own solid bet which is a great bet Exactly.

28:44Mike:We've talked about the length of the quality of public companies coming from Sweden. It's actually my largest position in my own personal portfolio. I don't plan on selling anytime soon. It's funny because when we talk about dividends and you're talking about when you see the number 11, Activision Blizzard, when you hear dividends, you think of aristocrats. When I hear dividends, this is my first significant, but first actual, oh, wow, that's some money coming in to my portfolio there when the quarterly dividend comes in, which is great to see. So that's why I had it on the list. It's an incredibly diversified business, obviously.

29:21Mike:It does focus on certain industries. So you'll see a lot of medtech, industrials, pharmaceuticals, financial services in there. Some of its largest holdings are obviously Swedish. The team running through these, AstraZeneca, Saab, Ericsson, Atlas, Copco, Nasdaq, Sobe. you remember soby i think we talked about on the podcast the biopharma focusing on orphan drugs

29:43Emmet:oh yeah yeah we only spoke about it three weeks ago that's why i can't remember it three weeks

29:48Mike:come on give me a break um but yeah importantly for this conversation it's very focused on shareholders shareholder distribution so slap bang in the middle of its investor relations page is i'm quoting this our strong balance sheet and cash flow generation cash flow generation enable us to invest and support our goal to pay a steadily rising dividend we operate efficiently and with low management costs in relation to our assets. It's a very boring statement, but it says a lot. It's a great diversified mix. The dividend yield is about 1.5%, which is probably a little light for this episode. But it's important when looking at a company, you have to look beyond just the current yield.

30:23Mike:A lot of dividend stocks may have high dividend yields, but that can tell you something else. That can tell you that this stock is in decline. Not all of them, obviously, whereas investor AB has grown at 15 % a year for the last 20. Oh, brilliant. So it's tough for a dividend to keep up with that kind of performance, obviously, hence why the yield might be a little bit biased. I just believe it's a great bedrock stock to own. Similar to Berkshire, really, it's not going to provide huge returns, but it's also a stock that doesn't really need much monitoring. It's kind of a set and forget. So that's first for me, and I think it fits in very well with the theme of this episode.

30:57Emmet:It certainly does. One thing you said there that was quite interesting to me, and i'm not going to put it to you because this would really be putting you in the hot seat is you mentioned saab and i thought that that brand had been retired and when it was overtaken

31:10Mike:by scania so sad anyway it's not it's not sad the car well it is sad it's the same but they don't produce cars anymore they're a military um manufacturer is that so there you go i did not

31:25Emmet:know that every day is a school day mike thank you for that now um okay so we've both pitched one i'm going to move on and just as I cannot buy dividend aristocrats ETF which we'll talk about quite soon I probably would not buy so I cannot buy dividend aristocrats I probably wouldn't buy the next one believe it or not because it sells something that I don't like and it's a business that I believe does more bad than good as a consequence of the field that operates in but billions of people would disagree with me by being regular customers and the company is Altria Group who and they make cigarettes and by the way a little like politics and religion your personal ethics are as personal as your thumbprint so I'm certain there are thousands of people who wouldn't invest in like Disney because they're like no I they ethically do something that I don't like and I heard about this and that and the other you know we only have to rewind a year or two ago and there was people absolutely outraged by tesla and ethically they would not invest in tesla though tesla the company hadn't done anything wrong so ethics is a and by i'm alluding to elon musk's doge and involvement in the administration of time so there are always going to be ethical lines in an investment and i'll ask my ones invisible and personal only to me what applied to altria group who through its subsidiaries manufacturers and sell smokable and oral tobacco products in the u.s primarily and the company provides cigarettes most it's best known for marlborough the marlborough brand the marlborough man as as the brand was once known it before and make cigar and make cigars and pipe tobacco under the black and mild brand um and then it has smokeless tobacco products under the copenhagen skull red seal husky brands and it provides on oral nicotine pouches um and it sells tobacco products to wholesale distributors large retail organizations so basically wherever there's tobacco or nicotine fixes, Altria Group is most likely there.

33:40Emmet:And it was founded ages ago. It was kind of, it's nearly as old as America. It was founded in 1822. It's headquartered in Richmond in Virginia. And Virginia was, as we all know, once, I guess, was it the world capital of tobacco? It kind of, the movies would have you believe so, but it certainly was one of the power centers of, of tobacco. Now, let me just tell you about the business just for a minute. When I plot three things on one graph revenue is flat it's as flat as a pancake but it was slightly peaky around 2021 very barely rises from let's say 2015 up to from from about 19 uh billion in 2015 to 21 billion in the year 2021 and it's back down to 21.1 billion all of that to say is the revenue line is very flat.

34:31Emmet:If you look at the stock price, it has also remained relatively flat. It's a little bit up. It's just kind of moved up and down. It's kind of around 70 bucks a pop at the moment. But the dividend yield, and this is where you might decide you want a full pride and an empty pocket like me, or a full pocket and a heggwitcher pride is really impressive. The dividend yield is currently around 6%. And that's low. It's been as high as 8 % and 9 % in the last few years. And when I look across the 10 years that have passed, it's kind of sitting around 6 % quite constantly. So we're looking at a business that pretty much every year sells the same amount of stuff as last year, certainly is measured by dollars, but it's throwing off five six occasionally seven occasionally eight nine percent that is a great dividend income and if you if i had to build a portfolio of a dozen stocks or indeed six stocks that was predicated on a dividend income i'd have to strongly consider it yeah and i was just looking

35:43Mike:at the stock chart there it's had a hot start to the year too it's interesting you're talking Naltria and Porter Stansbury when he was on the line. Correct. He was talking Philip Morris. Yes. Oh yeah, that parallel was very strong.

35:56Emmet:Yeah, it's a duopoly of sorts and you're right. So yeah, Porter was big into Philip Morris. Yeah.

36:03Mike:Yeah. So it's completely where you draw your own lines. Vice stocks are very much a thing and people might have no problem investing in alcohol stocks but draw the line at cigarettes or whatever else so yeah um okay my next one i am going i'm staying international for this one as well i'm gonna go tokyo marine uh so it's one of japan's largest insurers it's got four main divisions domestic non-life insurance domestic life insurance international insurance and financial and other insurance cover a lot of boxes there now the reason why I'm picking it is twofold. So the first is usually a pretty huge overhaul in Japanese stocks as a whole.

36:45Mike:So the Nikkei 225, the Japanese version of the S &P 500, that was famously underwater for about 40 years. So from the dregs of the Japanese asset bubble of the late 80s up until a few years ago, you were basically losing money in all Japanese stocks, not all Japanese stocks obviously but um it is kind of crazy the journey that they have been on and so up until last few years there's been systemic pressure from the government to become to to make public companies a lot more shareholder friendly and redistribute kind of the trillions and hundreds of trillions of yen uh that these companies are holding cash reserves to shareholders uh in the form of dividends and buybacks just to invite retail investors in basically um so that's one the main reasons why i think i just interested in japanese stocks uh at all um especially for these more mature businesses that do have those cash reserves and are willing willing to kind of bend to the government to become a lot more retail investor friendly and then it's also uh benefiting from rising interest rates which is a new economic policy in japan as well which as a rule tends to be very positive for insurers so two government trends kind of at its back there and then in terms of the corporate governance overhaul, Tokyo Marine has become somewhat of a poster boy for the policy shift.

38:10Mike:It employs what's called a progressive dividend policy, which means that the dividend usually increases in step with earnings, but if earnings fall, the dividend will not be reduced. It's currently sitting well above a 3%.

38:21Emmet:It will not be increased, you mean? It might be reduced, I presume.

38:24Mike:It will increase with earnings, but it won't be reduced if earnings fall.

38:29Emmet:Oh, it won't? Oh, sorry. So what you said is correct. sorry never mind i i thought you meant something else but you meant what you said sorry yeah so

38:36Mike:it's currently sitting well above a three percent yield which is no joke and then more importantly shares are up almost 300 in the past five years off the back of this new wave of interest in japanese stocks and it's kind of hitting a real purple patch it's very it's not very interesting business it's one of the bigger insurance insurance companies in the country but all of those secular trends behind it make it a very interesting stock and you know if you have that combo of rising stock price and a high dividend yield it's a very deadly very deadly combination and one two punch so it's a great it's a great stock to look at if you're interested in the region i think it fits into this episode just because it is quite boring dividend stocks are going to be boring that's just how it goes but uh tokyo marine uh nice one especially if you're interested in the region i think that's uh very much there's a lot of strength happening there under this new uh prime minister as well she seems very growth focused and i think a lot of the established older companies in japan are going to be benefited going to be beneficiaries

39:38Emmet:nice well done mike i like that one all right my turn and final pick is a is one i know quite well all right at the very least i know the industry very well and the cto of this business is one of my besties and his name is iago tenorio and the company is verizon telecoms which is as i think most of our listeners will know the largest telecoms provide one of the i don't know if it is i think it's the largest telecom provider in the u.s it operates nationwide wireless fiber networks it delivers mobile voice data broadband the usual stuff it's your telecom provider whether it's your vodafone it's your o2 it's your verizon so it basically sells to anyone who needs a sim or at least what would have once been called the same ECM or real same consumers, businesses, governments, the whole nine yards.

40:29Emmet:Now, wireless is its core business. It generates the vast majority of its revenue and profit from tens of millions of postpaid subscribers who provide this really predictable recurring cash flow. And the services are essential rather than discretionary. So even to the microscopic individual, a bit like cigarette smoking, which we ascertain from porter is an addictive thing which i don't like um having your mobile phone if you're looking at cutting down or killing bills you won't kill your mobile phone you might try and get a better tariff but it is extremely sticky so verizon's competitive position has been built out from decades and decades of investment in spectrum and network and infrastructure and routers and scooters which they tie together with strings and wires and radio dishes and fiber optic and they sell the output of those routers and scooters and we all need it.

41:23Emmet:And it's traditionally competed. The industry has for many years competed on coverage and I suppose reliability and network quality rather than aggressive pricing because that is a race to the bottom. So you don't want to go into a price war. It's ugly business. So what they do is they say, we have a better network, more reliable, better billing, better services. And they try and attract premium customers and enterprise clients so alongside wireless um as i mentioned they operate a fiber broadband business under oh it's a different brand i forget what they call it but it's they offer high speed internet uh in certain urban markets which i always think is a bit of a diversification it makes sense if we're going in we have a bundled offer and if you get your wireless and your wires and your television this and the other um but anyway that's verizon everybody knows it um And it's one that doesn't need a whole load of explanation.

42:19Emmet:But looking forward, Verizon's prospects are really defined now by its execution and cash generation as opposed to massive expansion. I think the big threat that looms for all telcos is up in the sky. and i don't know enough about the latency from satellites beaming broadband in both directions but we've all seen that dish at the side of your house pointing up at something mr musk sent up there is is a viable substitute for certain broadband use cases and the heavy spending phase of 5g rollout is starting to subside and there basically means that free cash flow is starting to improve 5g increases the network efficiency capacity and i don't even know what 6g is going to bring just more everything is turned up to 11 and um and there you have it so revenue growth is likely to be quite slow incremental in verizon and i guess retention is their big thing and so it just generates oodles of cash and i guess over time verizon should be is really just a critical infrastructure again looking at the same graph as i did a moment ago um revenue has been growing modestly uh it has had a 10-year compounded annual growth of 0.5 but it's big numbers like 138 billion dollars in revenue uh in 2025 it appears and the share price has been a little bit um it's kind of gone down a bit then up a bit we're talking about over 10 years yeah well i was i was looking at the chart and i believe this

44:07Mike:is a case of a dividend yield kind of outpacing a stock price growth yeah oh yeah yeah so the stock trade sideways for a while and the dividend keeps increasing of course the yield is going to improve but this is kind of going back to my example a small bit of why a high dividend yield isn't always a good thing. And why there might be more value in a stock that has a 2 % or a 1.5 % dividend yield, but it's been consistently growing on top of that. I think it's a good stock to bring up to highlight this conversation because I think looking back 10 years ago, it could have been the same thing. You could have bought shares of Verizon with a 5 % yield, or you could have bought shares of Investor AB with a 1 % yield.

44:55Mike:And even if you're an income-focused investor, the easy decision there in hindsight was investor a b because yeah it's the combination of dividend growth but stock price appreciation as well so it is it is a good example and like it is one of the higher dividend yields in the s p 500 but this dividend yield doesn't kind of it's nearly not a

45:17Emmet:positive if that makes sense there's a it's funny what there's the sky's the limit for a share price we all we've discussed there is no top point beyond which you cannot grow there's a top point in every business uh where it will not grow through the nature of the decisions made in the market it operates in but we we often say if you invest a thousand dollars in a company the most you can lose is a thousand dollars whereas the sky's the limit you can that share price can go wherever it's going to go but i think with dividends there's a different there's a glass ceiling or i don't know what you want to call it there there's this pers you rarely see it go above 10 and when you do it comes back down from that point and if you start with the 10 dividend yield that should be alarm bells alarm bells because something is broken they're compensating for something if they're shoveling cash out the door um so at the moment verizon's dividend is around six percent and you're right it is one of the better ones is their growth but if you're looking for a business um that it has great capital growth uh prospects i think verizon is a fine company i think we can all bet it isn't going to go it isn't going to crumble but i think it is bought and held in pension funds for that annual or rather that quarterly dividend that arrives into the bank account kayak gets my flight hotel and rental car right so i can tune out travel

46:42Mike:advice that's just plain wrong bro skycoin way better than points never fly during a scorpio full moon just tell the manager you'll sue instant room upgrade stop taking bad travel advice start

46:56Emmet:comparing hundreds of sites with kayak and get your trip right bad advice you talking to me kayak got that right

47:07Mike:yeah okay for my last one i'm kind of tapping out with this one and going back to the stock i was talking about last week which is wm waste management oh right i know it's a cop-out i just love the business i think it's gone straight to my watch list it has increased its annual dividend every year without fail for 20 years in a row current current dividend yield of 1.4 percent but on the topic of this conversation you know that that might be light now but i it's an almost guarantee of incremental improvements year on year on year provides very strong dividend growth opportunity um so that's why i mentioned and i'm also mentioning because it is this month's stock of the month uh i'm giving it away here for our listeners it's a business that is just so up my alley scale advantages pretty much unassailable economic moat i kind of break that down and more in march's stock of the month if you want to sign up it's on the website we'll add a link into the show notes as well but yeah paying less than a two percent dividend right now but i'm very bullish on delivering consistent dividend increase what is especially interesting

48:08Emmet:to me mike is that that major list of six growth stocks last week and six dividend stocks this week which really does speak to the point you made repeatedly repeatedly through the podcast but you want a business that has capital appreciation ahead as well as dividend growth so really and then i i knew you you'd selected it for stock in a month so uh you could not really bless a stock anymore and in fact when i interviewed porter stansbury i i put it to him it's one of your it's one of his favorites and indeed uh it is a great business so there's money

48:44Mike:in garbage okay just before we finish up i want to highlight some positive news for irish investors listening uh simon harris the minister of finance came out recently with some very bullish comments about changing investment laws in the country uh so minister of finance is the main man when it comes to this stuff and he's working on a retail investment roadmap which he hopes will be put into play by budget 2027. he stated some few quotes here he stated that ireland is a laggard at european level when it comes to retail investing and he wants to squeeze middle to be able to make substantial returns on investments he noted that there's 170 billion euros sitting in Irish deposits, earning basically no interest.

49:21Mike:And he wants to make money work for them. So he highlighted the need to address deemed disposal, which we talked about, thank bejesus. And he mentioned examining the Canadian and Swedish models for tax-free or tax-advantaged savings accounts. So there's two big things there at the end. But deemed disposal, kind of already on the chopping block, it went from 41 % to 38 % in budget 2026. Investors were hoping for an awful lot more if not complete eradication but the way it's being mentioned in the media the way it's being mentioned by the politicians there it really feels like i do think it's on the way out i think the direction of travel is going the right way for that now intention and execution there's a big gap there especially when it comes to irish politics but i definitely feel positive of where we're going there the second thing you mentioned there about following the canadian and swedish models is particularly interesting because this is a big step up in rhetoric from what we've heard so far.

50:18Mike:So to just give an insight on the Canadian Swedish models, the Canadian model, the TFSA, it's a tax-free savings account that allows a set annual contribution where all gains and withdrawals are entirely tax-free. The Swedish model, known as the ISK, it's an investment savings account where instead of capital gains tax on every trade, the user pays a very small annual flat tax, often less than 1 % of the total value of the count. So Sweden also includes a tax-free threshold for the first 28 grand. So both of those are fitting into the model of kind of an ISA from the UK or a 401k or a Roth IRA from the US, where it's something I think Irish investors desperately need.

50:58And it's a real, real incentive for retail investors

51:02Mike:to come into the play, come into the fore more and more. It's not just Harris either. Ireland is set to take over the EU presidency this year. And Michal Martin has stated that advancing the savings and investment union will be a key strategic property. He's supporting a European Commission recommendation for a standardized savings and investment account across the EU. And like this, I think there's$11 trillion in household savings that's just sitting in bank accounts doing absolutely nothing. And so it's getting that money to work for investors because we've talked about it at length, how stock investing and just investing in the markets.

51:36Mike:And if it's as simple as indexing and not knowing what's going on, just set it and forget it and come back in 40 years, even if it is that great approach, but it is prohibitive for a lot of tax reasons. And unfortunately, that's really put people off. And I think this is only one step. So making the tax system more agreeable is one step, but you also have to educate the masses after that. So it is trying to fix itself. I think it's a broken system now, but we have a lot of positive, a lot of positive movement. So we have the auto enrollment that just came in in January. We have what this retail investment roadmap will look like and hopefully be enacted in budget 2027.

52:20Mike:I think there is a real positive momentum when it comes to retail investing in Ireland. And And for that, yeah, I'm hopeful. I really hope that we're going to see a real change and that the adaption and the education of it and just the power of stockfesting will become more and more powerful in Ireland because it isn't there at the minute. And you're looking at countries where they have embraced that. We mentioned Sweden, obviously the US, even the UK. It's changed how people can create wealth, create wealth slowly and do it in such a way that it's a hands-off experience because, you know, stock investing, like picking stocks, it is niche.

52:58Mike:It's great. Oh, it is. It's finding, you know, it's a hobby as much as anything. But that's not including just the regular Joe who's like, okay, I don't even want to be too involved. Is there anything I can do that's completely brainless and I don't have to worry about it? And introducing laws and tax systems that help people do that is so important. And I think hopefully we're having this conversation in, you know, next year when budget 2027 is out and people are figuring out now okay now is the time i start investing because it's there for me the roadmap is there you know the the facilities are there that i can do this in a tax advantaged way and it makes sense for once finally so yeah that's my little rant and uh hopefully hopefully we're going to see some big improvements over the coming year

53:47Emmet:Well said and well described. I remember many moons ago being interviewed, sorry, interviewed, invited to meet the Minister for Finance, who at the time was called Michael Noonan, a very nice man, very capable man. and I arrived at government buildings and I had an encyclopedia in my mind. Now, the soapbox I was arriving with was CGT, Capital Gains Tax in Ireland. I don't think I had the mafia thing. I don't think I had the goodfellas analogy ready to go, but I had plenty to say. So I arrived up at the Department of Finance where he lives and I hate doing Emmett Savage. here to see minister noonan and they're like looking through a bit of paper looking through a bit of paper they said oh he's out in fitzpatrick's hotel in kalini castle uh waiting for you i'm like excuse me uh you have never seen anyone drive so fast to a meeting and i thought to myself if the guardie the irish police stopped me i can go i'm going to see michael noonan they might even give me a police escort but i went down the bus lanes the whole i made it i got there in time ish um there's something okay there's something very arrogant about arriving to meet a minister late but i explained to him my faux pas and he was super nice about it anyway not relevant but i did at that meeting raise the fu well i didn't i didn't say a few words my money but i did raise the deemed disposal thing was just not fair so i'm glad at long last that needle is

55:24Mike:moving yeah yeah so hopefully we'll see now as i said before there might be a difference in intention and execution which is unfortunately the case i think we saw that in budget 2026 but yeah the the direction of travel is is pointed in the right direction so that's a plus yeah for sure thank you for joining we're approaching an hour again we need to we need to tighten up these podcasts we're ranting too much we're having too good a time i won't rant ever again yeah i believe it when i see it emmett thank you for joining me and thank you everyone for listening and if you have got this far you obviously enjoy the show so much so please do give us a like give us a review uh whatever you're listening to us on whether it's youtube whether it's spotify whether it's apple podcast just click the little subscribe button it does help the business so thank you very much and we'll talk rinse knows that greatness takes time but so does laundry.

56:18Mike:So Rince will take your laundry and hand deliver it to your door

56:21Emmet:expertly cleaned and you can take the time pursuing your passions.

56:25Mike:Time once spent sorting and waiting, folding and queuing, now spent challenging and innovating and pushing your way to greatness. So pick up the Irish flute or those calligraphy pens or that daunting beef Wellington recipe card and leave the laundry to us. Rince, it's time to be great. Watch you next week.