Say you save $1,000 a year for the next 25 years and earn 7 percent annually on your money.

By 1987, women were earning 75 percent of what men did.

What does an agent actually do to earn 10 or 15 percent of the author's money?

In that year, women earned 62.5 percent of what men made.

Say you put away $500 a month for the next 30 years, earning 8 percent a year.

But if the money earns 3 percent, it will only last until age 80.

Over that period, women on average earned only 38 percent of what men did.

A $750 ticket, for example, would have earned an agency $75, or 10 percent.

Started in 1994, the fund has earned 15.02 percent this year through July 31.

There, they recall he told them, their money could earn 18 to 20 percent a year in interest, risk free!