Using the previous sites, locate each stock’s growth rate and beta coefficient. Apply the dividend-growth model to the firms you have selected. (In order to make the model applicable, you will have to select companies that pay a cash dividend.) Since you will also need a risk-free rate and a return on the market, obtain the rate on a 12-month Treasury bill and arbitrarily add 6 percent. The rationale for the additional 6 percent is that historical yields on stock have tended to average 6 percent above the Treasury bill rate. Treasury bill rates are available through the Federal Reserve (www.federalreserve.gov) or the federal government’s public debt website (www.publicdebt.treas.gov/index1.htm).