Eighteen years ago, Lady (not her real name) entered the workforce like many fresh graduates and earns a humble salary of $2,200 per month. A sole breadwinner of a family of 4, she need to desperately figure out how to survive and get by should a day she loses her job without sufficient savings. In 2005, during her career transition, she came across her Central Depository statements and noticed that some of the stocks she bought during the early years has yielded some dividends. That