3. An individual has $50,000 to invest. The government treasury bills (T-bills) pay 2.5% interest per year. She considers investing in the stock parket instead, by buying a stock that now sells for $45 each and pays an anuual dividend of $8/per stock. She thinks that after 6 years the stock will be selling for $65 cach. What is the rate of retum of the stock investment and is it a better deal than the T-bills