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 market instead, by buying a stock that now sells for $45 each and pays an annual dividend of $8/per stock. She thinks that after 6 years the stock will be selling for $65 each. What is the rate of return of the stock investment and is it a better deal than the T-bills?