{"id":1147,"date":"2025-03-14T02:57:41","date_gmt":"2025-03-14T02:57:41","guid":{"rendered":"https:\/\/willzulu.com\/?page_id=1147"},"modified":"2025-03-18T12:17:33","modified_gmt":"2025-03-18T12:17:33","slug":"roi-on-education","status":"publish","type":"page","link":"https:\/\/willzulu.com\/?page_id=1147","title":{"rendered":"ROI on Education"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1147\" class=\"elementor elementor-1147\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2dfed6c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2dfed6c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2dcd481\" data-id=\"2dcd481\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7463f44 elementor-widget elementor-widget-image\" data-id=\"7463f44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"680\" height=\"655\" src=\"https:\/\/willzulu.com\/wp-content\/uploads\/2025\/03\/Debt.jpg\" class=\"attachment-large size-large wp-image-1217\" alt=\"\" srcset=\"https:\/\/willzulu.com\/wp-content\/uploads\/2025\/03\/Debt.jpg 680w, https:\/\/willzulu.com\/wp-content\/uploads\/2025\/03\/Debt-300x289.jpg 300w\" sizes=\"(max-width: 680px) 100vw, 680px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b613e74 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b613e74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 14px; color: var( --e-global-color-text );\">Is education profitable as an investment project?. This model studies different education levels as an investment project in Colombia compared with an adjustable opportunity cost. Colombian average salaries from the\u00a0<\/span><a style=\"font-size: 14px; background-color: #ffffff;\" href=\"https:\/\/ole.mineducacion.gov.co\/portal\/\" target=\"_blank\" rel=\"noopener\">National\u00a0<\/a><span style=\"font-size: 14px; color: var( --e-global-color-text );\"><a href=\"https:\/\/ole.mineducacion.gov.co\/portal\/\">Labor Education Observatory<\/a> can be used as an input .<\/span><\/p><p><strong><span style=\"font-size: 14px;\">Focus Questions:<\/span><\/strong><\/p><ol><li><span style=\"font-size: 14px;\">What is the minimum income required to obtain the expected return or opportunity cost of the resources invested in training? <\/span><\/li><li>What is the combination of years of study and years of earnings with the highest annual return? Which combinations of years of study and earnings are at least greater than the opportunity cost of the resources invested in training?<\/li><\/ol><p>Please input your data below to make your own calculations and analysis. Finally, do you think your investment in education is worth it?\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d0ed6a elementor-widget elementor-widget-text-editor\" data-id=\"2d0ed6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Sources<\/strong><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Internacional:<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">EDSmart, 2020, The 7 Benefits of Going to College obtenido de <\/span><a href=\"https:\/\/www.edsmart.org\/7-benefits-of-college-degree\/\"><span style=\"font-weight: 400;\">https:\/\/www.edsmart.org\/7-benefits-of-college-degree\/<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Business Insider, 2020,\u00a0 Which education level has the highest return on investment? We ran the numbers, obtenido de <\/span><a href=\"https:\/\/cutt.ly\/education-level-vs-roi\"><span style=\"font-weight: 400;\">https:\/\/cutt.ly\/education-level-vs-roi<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><a href=\"https:\/\/www.brandwatch.com\/reports\/financial-services-trends\/view\/\"><span style=\"font-weight: 400;\">Spending, Saving, Insurance, Retirement: Consumer Finance Trends for 2025 | Brandwatch<\/span><\/a><\/li><\/ul><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Colombia\u00a0<\/span><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Departamento Nacional de Estad\u00edstica (DANE). (25 de Marzo de 2020). Obtenido de Encuesta nacional de presupuestos de los hogares (ENPH): <\/span><a href=\"https:\/\/cutt.ly\/rdow35e\"><span style=\"font-weight: 400;\">https:\/\/cutt.ly\/rdow35e<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Observatorio Laboral para la Educaci\u00f3n (OLE). (25 de Marzo de 2020). Obtenido de Situaci\u00f3n laboral de los graduados: <\/span><a href=\"https:\/\/cutt.ly\/4doerpj\"><span style=\"font-weight: 400;\">https:\/\/cutt.ly\/4doerpj<\/span><\/a><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Departamento Nacional de Estad\u00edstica (DANE). (25 de Marzo de 2020).\u00a0 Saber para decidir \u2013 Sistema nacional de informaci\u00f3n de demanda laboral <\/span><span style=\"font-weight: 400;\">\u00a0<\/span><a href=\"https:\/\/cutt.ly\/GdoepJw\"><span style=\"font-weight: 400;\">https:\/\/cutt.ly\/GdoepJw<\/span><\/a><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-519a0ac elementor-widget elementor-widget-shortcode\" data-id=\"519a0ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    \n    <div id=\"profitability-calculator\">\n        <h2>\ud83d\udcca Equivalent Annual Profitability Calculator<\/h2>\n\n        <fieldset>\n            <legend>\ud83d\udd39 Adjust the values for profitability calculation:<\/legend>\n            <div class=\"calculator-inputs\" style=\"display: flex; justify-content: space-between;\">\n                <div class=\"input-group\" style=\"width: 48%;\">\n                    <h3>\ud83c\udf93 Investment Variables<\/h3>\n\n                    <div>\n                        <label>Annual Tuition Fee (MCOP): <span id=\"tuition_value_display\">26<\/span><\/label>\n                        <input type=\"range\" id=\"tuition_value\" min=\"10\" max=\"50\" step=\"1\" value=\"26\" oninput=\"updateInputs()\">\n                    <\/div>\n\n                    <div>\n                        <label>Opportunity Cost (Annual Effective Rate %): <span id=\"opportunity_cost_display\">12<\/span><\/label>\n                        <input type=\"range\" id=\"opportunity_cost\" min=\"1\" max=\"20\" step=\"0.5\" value=\"12\" oninput=\"updateInputs()\">\n                    <\/div>\n\n                    <div>\n                        <label>Number of Study Periods (years): <span id=\"study_periods_display\">1.5<\/span><\/label>\n                        <input type=\"range\" id=\"study_periods\" min=\"0.5\" max=\"3\" step=\"0.5\" value=\"1.5\" oninput=\"updateInputs()\">\n                    <\/div>\n                <\/div>\n\n                <div class=\"input-group\" style=\"width: 48%;\">\n                    <h3>\ud83d\udcb0 Benefit Variables<\/h3>\n\n                    <div>\n                        <label>Number of Profit Periods (years): <span id=\"profit_periods_display\">3<\/span><\/label>\n                        <input type=\"range\" id=\"profit_periods\" min=\"2\" max=\"10\" step=\"1\" value=\"3\" oninput=\"updateInputs()\">\n                    <\/div>\n\n                    <div>\n                        <label>Monthly Income (MCOP): <span id=\"monthly_income_display\">8<\/span><\/label>\n                        <input type=\"range\" id=\"monthly_income\" min=\"1\" max=\"50\" step=\"1\" value=\"8\" oninput=\"updateInputs()\">\n                    <\/div>\n\n                    <div>\n                        <label>Monthly Expenses (MCOP): <span id=\"monthly_expenses_display\">4<\/span><\/label>\n                        <input type=\"range\" id=\"monthly_expenses\" min=\"1\" max=\"50\" step=\"1\" value=\"4\" oninput=\"updateInputs()\">\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/fieldset>\n\n        <p id=\"warning-message\" style=\"color: red; font-weight: bold; display: none;\">\u26a0\ufe0f Input data has changed! Please press \"Calculate Results\" to update.<\/p>\n\n        <div style=\"text-align: center; margin-top: 20px;\">\n            <button id=\"calculate-results-btn\" style=\"background: #0073e6; color: white; padding: 12px; border: none; cursor: pointer; font-size: 16px;\">\n                \ud83d\udcca Calculate Results\n            <\/button>\n        <\/div>\n\n        <div id=\"results-container\" style=\"display:none; margin-top: 20px;\">\n            <h3>\ud83d\udccb Calculation Results<\/h3>\n            <p><strong>Monthly Interest Rate:<\/strong> <span id=\"rm_result\"><\/span>%<\/p>\n            <p><strong>Present Value of Tuition Fee (VP):<\/strong> <span id=\"vp_result\"><\/span> MCOP<\/p>\n            <p><strong>Future Value of Profits (VF):<\/strong> <span id=\"vf_result\"><\/span> MCOP<\/p>\n            <p><strong>Equivalent Annual Profitability (RA):<\/strong> <span id=\"ra_result\"><\/span>%<\/p>\n\n            <h3>\ud83d\udcca Cash Flow Graph<\/h3>\n            <canvas id=\"cashFlowChart\" width=\"300\" height=\"150\"><\/canvas>\n        <\/div>\n\n        <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js\"><\/script>\n        <script async src=\"https:\/\/cdn.jsdelivr.net\/npm\/mathjax@3\/es5\/tex-mml-chtml.js\"><\/script>\n\n        <script>\n            function updateInputs() {\n                document.getElementById(\"warning-message\").style.display = \"block\";\n            }\n\n            function calculateResults() {\n                document.getElementById(\"results-container\").style.display = \"block\";\n                document.getElementById(\"warning-message\").style.display = \"none\";\n                MathJax.typeset();\n\n                let tuition = parseFloat(document.getElementById(\"tuition_value\").value);\n                let opportunity_cost = parseFloat(document.getElementById(\"opportunity_cost\").value) \/ 100;\n                let n_study = parseFloat(document.getElementById(\"study_periods\").value);\n                let n_profit = parseFloat(document.getElementById(\"profit_periods\").value);\n                let monthly_income = parseFloat(document.getElementById(\"monthly_income\").value);\n                let monthly_expenses = parseFloat(document.getElementById(\"monthly_expenses\").value);\n\n                let r_m = (Math.pow(1 + opportunity_cost, 1 \/ 12) - 1) * 100;\n                let vp = -tuition * ((1 - Math.pow(1 + opportunity_cost, -n_study)) \/ opportunity_cost) * (1 + opportunity_cost);\n                let vf = (monthly_income - monthly_expenses) * ((Math.pow(1 + r_m \/ 100, n_profit * 12) - 1) \/ (r_m \/ 100));\n                let ra = (Math.pow(vf \/ Math.abs(vp), 1 \/ (n_study + n_profit)) - 1) * 100;\n\n                document.getElementById(\"rm_result\").textContent = r_m.toFixed(2);\n                document.getElementById(\"vp_result\").textContent = vp.toFixed(2);\n                document.getElementById(\"vf_result\").textContent = vf.toFixed(2);\n                document.getElementById(\"ra_result\").textContent = ra.toFixed(2);\n\n                generateCashFlowChart(vp, vf, n_study + n_profit);\n            }\n\n            function generateCashFlowChart(VP, VF, totalTime) {\n                let ctx = document.getElementById('cashFlowChart').getContext('2d');\n                new Chart(ctx, {\n                    type: 'bar',\n                    data: { \n                        labels: [\"0 Years\", totalTime.toFixed(1) + \" Years\"], \n                        datasets: [{ \n                            label: 'Cash Flow (MCOP)', \n                            data: [VP, VF], \n                            backgroundColor: ['red', 'green'] \n                        }] \n                    },\n                    options: { \n                        responsive: true, \n                        scales: { \n                            x: { title: { display: true, text: 'Years' } }, \n                            y: { title: { display: true, text: 'MCOP' } } \n                        } \n                    }\n                });\n            }\n\n            document.getElementById(\"calculate-results-btn\").addEventListener(\"click\", calculateResults);\n        <\/script>\n\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Is education profitable as an investment project?. This model studies different education levels as an investment project in Colombia compared with an adjustable opportunity cost. Colombian average salaries from the\u00a0National\u00a0Labor Education Observatory can be used as an input . Focus Questions: What is the minimum income required to obtain the expected return or opportunity cost [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1217,"parent":12,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"0","ocean_second_sidebar":"0","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"0","ocean_custom_header_template":"0","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"0","ocean_menu_typo_font_family":"0","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"0","footnotes":""},"class_list":["post-1147","page","type-page","status-publish","has-post-thumbnail","hentry","entry","has-media"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/pages\/1147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1147"}],"version-history":[{"count":79,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/pages\/1147\/revisions"}],"predecessor-version":[{"id":2459,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/pages\/1147\/revisions\/2459"}],"up":[{"embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/pages\/12"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/willzulu.com\/index.php?rest_route=\/wp\/v2\/media\/1217"}],"wp:attachment":[{"href":"https:\/\/willzulu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}