An investor buys $$16,000$ worth of a stock priced at $$20$ per share using $60\%$ initial margin. The broker charges $8\%$ on the margin loan and requires a $35\%$ maintenance margin. The stock pays a $$\mathrm{.}50-$per$-$share dividend in $1$ year, and then the stock is sold at $$25$ per share. What was the investors rate of return. Please show me how to get $40\mathrm{.}50\%$