A magazine offers a one-year subscription rate of $63.80 and a three-year subscription rate of $159.80, both payable at the start of the subscription period. Assuming that you intend to continue the subscription for three years and that the one-year rate does not increase over the next two years, what effective rate of "return on investment" will be "earned" by paying for a three-year subscription now instead of three consecutive one-year subscriptions?