You purchased $1000$ shares of stock in Cumberland Software for $$3$ per share on January $1,2016.$ You received $6$ cents per share annually in dividends. On December $31,2019,$ you sell all your shares of Cumberland Software for $$16\mathrm{.}75$ per share. Brokerage commissions are $5\%$ of the total transaction value when buying and selling.

Now, determine your average annual return $($after taxes and inflation$)$ on Cumberland Software. Assume a marginal tax rate of $31\%$ and a rate of inflation over the time period of $3\mathrm{.}80\%$ per year. $($A $31\%$ marginal tax bracket consumer would be taxed $15\%$ for both dividends and capital gains.$)$