A bond (with a face value of $1000) pays coupons annually at coupon rate of 4%, maturity is 30 years, and a yield to maturity (interest rate) of 8%. What rate of return will be earned by this bond holder if he/she holds it for just one year, if the bond's yield to maturity at the end of the first year is now 9%? [Hint: find the fair value at the beginning of the first year and at the end of the first year