I remember the time was around 2005 or 6.

A group of us was having an informal coffee shop gathering. Back then, I just got out of university, while most of my friends was in their final year or repeating one more year.

One of them, lets call him John, learn about investing in stocks and was discussing it. I was still swimming mainly in unit trust and only tip-toed my way into stocks.

You can learn a lot of things when you interact with people in university so learning about buying good paying dividend stocks sound like a competency that will stay with you for the rest of your life.

So come 2007 and 2008, as I was freaking out, He managed to buy one of the banking stock for $4.

We know that this banking stock went to the high north of $12 recently, however I do understand …