An investor bought $130$ shares of stock at a cost of $$12$ per share. He held the stock for $14$ years and then sold it for a total of $$7,800.$ For the first two years, he received no dividends. For each of the next six years, he received total dividends of $$70$ per year. For the remaining period, he received total dividends of $$140$ per year. What rate of return did he make on the investment?