3 years ago you purchased a 14 year maturity, 2.7% coupon annual pay bond at a price of $104 per $100 of face value. Shortly after you purchased the bond, yields changed to 4.71%. If you sell the bond today at a price of $93 per $100 of face value, what is your annualized holding period return?

The answer is -0.81 I just need to know how to get there.