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December 6, 2010

West Virginia Workers’ Compensation and Assigned Risk Pool

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Up until January 2006 any employer in West Virginia could receive workers’ compensation insurance. All they had to do was pay their premium and they were covered. After January 2006, the Workers’ Compensation Commission was eliminated and everything changed. At that time, BrickStreet Mutual Insurance Company became the only provider of workers’ compensation insurance in West Virginia; they were required to provide insurance to any company that sought to have it. Now the rules are changing once again.

The market is opening again. Over 120 insurance carriers are already on board, writing policies for West Virginia.

BrickStreet will no longer be the sole workers’ compensation insurance carrier. This would seem like good news, but there is a catch: BrickStreet will be letting go of over 1,000 of their current accounts in 2009. These uninsured accounts will be directed to the new carriers, but if they chose not to cover them they will become part of the Assigned Risk Pool.

The Assigned Risk Pool is currently composed of three carriers: American Mining, Liberty Mutual, and Travelers. It is estimated that each carrier will receive every third or fourth policy that is sent to the pool. While it is possible that on some cases an employer could get a lower rate with the Assigned Risk Pool, it seems more likely that they will be paying more for their insurance coverage than they would in the private market.

BrickStreet has stated that the accounts they are dropping in 2009 are their worst accounts. What this means is that they are basing their decision on the employers loss ratio. These accounts usually cost more to maintain than the amount they are paying for their premium. In these cases, it seems natural that these companies will have to pay more for their new workers compensation insurance plans if they are rejected by other carriers and end up in the Assigned Risk Pool.

The National Council on Compensation Insurance (NCCI) will be helping with this process and hope to make it as simple as possible for those employers who will be turned away from BrickStreet in 2009. They offer a website, application for carriers, tools for employers, and even put the employer’s application out to carriers for review.

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December 5, 2010

West Virginia Long Term Care Insurance

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As the concern regarding long term care grows day by day, it has also become widespread not only in one state but to the rest of US. In West Virginia, the average cost of long term care varies depending on the skill of the person providing the care, and where the care is received. In fact, the costs can increase up to thousands of dollars annually.

With careful observation on how the population in the US ages, the government predicts that there is almost 80 percent chance a person will need LTC within his lifespan. In WV alone, statistics show the population of residents age 85 above is expected to rise by 43 percent in 2030. This only proves the states’ older population most likely face greater risk for chronic illnesses and utmost need for LTC.

Data also reveals that over 392,000 West Virginians rely on Medicaid - 15 percent of these are aged 65 and up. In this state, Medicaid allows eligible recipients the opportunity to choose in-home care instead of the usual nursing home care. This, in effect, resulted to West Virginia spending 81 percent of its Medicaid funds solely on institutional care.

And, 19 percent of its Medicaid LTC dollars are spent in aid for the elderly and adults with physical disabilities on home and community-based care. This, in return, ranks the state 29th among other states which spends on home care services for its residents.

Recent studies also show WV’s nursing homes had an occupancy rate of 90 percent - making its nursing homes ranked 26th in the country in its average private pay daily rate. The states’ rates for private pay home health aides were surprisingly low while its rates for Medicare-certified home health aides were higher.

Thus, the state expressed great emphasis on the necessity of planning for long term care needs. In accordance to a US District court ruling, it must provide home and community-based services (HCBS) to individuals on waiting lists within 90 days of determination of their eligibility. This HCBS waiver allows Medicaid recipients to receive Medicaid funding for in-home care.

Moreover, West Virginia Department of Health and Human Resources has come up with the West Virginia’s Long Term Care Profile Grant Project. This project enables the implementation of its State Profile Tool (SPT) for older adults, children, people with mental retardation and disabilities, people with mental illness, and people with traumatic brain injuries.

The formulation of this project provides the state with a much needed assessment of the current long term care system for each identified population. And, this serves as a means in measuring the State’s success towards regularly updating and modifying balancing indicators to address the continuous changing needs of its long term support system.

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December 4, 2010

RV Camping in West Virginia

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West Virginia is a magnificent state in the Appalachian, Upland South, and Mid-Atlantic regions of the United States. It is surrounded by Virginia from the southeast, Kentucky from the southwest, Ohio from the northwest, and Pennsylvania and Maryland from the northeast. Charleston is the capital city of this lovely state. It is not only a great place to live but also a great place to visit.

Camping is an enchanting outdoor recreational activity. Nowadays many people love to go out for camping in order to take a break from busy city life. Camping provides an outstanding chance to the travelers to explore nature. If you love to sleep under open sky or you just like to sit near a campfire then you must definitely visit West Virginia. This state offers excellent RV camping opportunity.

There are numerous campgrounds and RV parks over here. A list of such campgrounds is listed as under:

1. Camp Copperhead

Camp Copperhead is a beautiful family oriented campground. This campground features huge RV sites, campfire rings, 30 amp service, well water, gray water, and dump station. This campground is open throughout the year.

2. Statts Mills RV Park

Statts Mills RV Park is situated in the picturesque Appalachian mountains of Central West Virginia. The guests can indulge in various recreational activities such as hiking, fishing and mountain biking. The staff over here is extremely polite, cooperative and friendly.

3. Sand Springs Campground

Sand Springs Campground is a lovely family oriented campground located in Morgantown. This campground is located in beautiful wooded area. You can enjoy your days in the crystal clean pool over here. The guests can indulge in various recreational activities such climbing, hiking, biking, and much more. Internet access is possible due to Wi-Fi facility. There are 10 pull thru sites, 42 tent sites, and 21 back in RV sites. The guests are provided facilities such as water, electricity and sewer.

4. Indian Meadows Campground

This campground is conveniently located in Pentress. This campground offers 9 pull through sites with full hook-up (30 amp service), 4 back-in sites with full hook-up (30 amp service), tent sites, and 9 sites with water and 30 amp services. It is open all round the year.

5. Broken Wheel Campground

It is conveniently nestled in the forested hills of Lewis County. Camping is really fun and you will not find a better place than this campground.

An RV camping tour can certainly revitalize your soul and refresh your mind. Do not forget to visit these campgrounds on your next trip to this place.

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December 2, 2010

The History of Mothers Day

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The modern Mother’s Day was created by Anna Jarvis in Grafton, West Virginia, as a day to honor mothers and motherhood; especially within the context of families, and family relationships.Celebrating motherhood is a historical tradition dating back almost as far as mothers themselves. A number of ancient cultures paid tribute to mothers including the ancient Greeks and the ancient Romans

In the United States, Mother’s Day experienced a number of failures before eventually becoming the more mainstream holiday that we celebrate today. In 1858, Anna Reeves Jarvis was the first woman to hold an official celebration of mothers, when in her home state of West Virginia, she instituted Mothers’ Work Day to raise awareness about local sanitation issues. During the Civil War, she expanded the scope of Mothers’ Work Day to include sanitary conditions on both sides of the battlefield.

Meanwhile Julia Ward Howe attempted to institute a national celebration of mothers that honored women’s inclinations toward peace. In 1872, she initiated and promoted a Mother’s Day for Peace, to be held on June 2, which was celebrated the following year by women in 18 cities across America. The holiday continued to be celebrated by Bostonian women for another decade, but eventually lost its popularity after Howe stopped funding the celebrations herself.

In 1905, Anna Reeves Jarvis passed away, and her daughter Anna Marie Jarvis, took up her mother’s cause. Anna vowed to realize her mother’s lifelong dream of creating a national day to honor mothers. In 1907, Anna launched her campaign by handing out white carnations to congregants at her mother’s church in Grafton, West Virginia. In 1908, her mother’s church gave in to Anna’s request to hold a special Sunday service in honor of mothers; a tradition that spread the very next year to churches in 46 states. In 1909, Anna left her job and dedicated herself to a full-time letter-writing campaign, imploring politicians, clergymen and civic leaders to institute a national day for mothers.

In 1912, Jarvis’ efforts saw tremendously successful results when her home state of West Virginia adopted an official Mother’s Day. Just two years later in 1914, the U.S. Congress passed a Joint Resolution, signed by President Wilson, establishing a national Mother’s Day emphasizing the role of women in their families. Since then, Mother’s Day has been celebrated by Americans on the second Sunday in May.

Perhaps the country’s greatest proponent of motherhood, Anna Marie Jarvis ironically never had children of her own. Yet that didn’t stop her from making the celebration of Mother’s Day her lifelong mission. In fact, as the holiday took on a life of its own, Jarvis expressed frequent dismay over its growing commercialization. I suppose she wasn’t a huge fan of the mothers rings that are so popular on Mother’s Day!

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December 1, 2010

2008 Elite Football Camps

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Former NFL Quarterback talks about elite football camps. One great football camp that I attended is run by Football University or FBU. FBU is a invitation only national football camp for youth athletes in grades 6th, 7th 8th, 9th, 10th and 11th. This is an opportunity for football players to get elite football training by former NFL coaches and NFL players.

FBU football camps are multiple position camps for the Quarterback position, Running Back, Wide Reciever and Defensive Backs, Linebackers, Lineman and Punters/Kickers. Some of the coaches that will train the FBU invites are Steve DeBerg former NFL QB that played for over 18 years in the NFL, Larry Kennan who tutored NFL New York Giants Eli Manning, and NFL Dallas Cowboys Tony Romo. Youth Quarterback Coach, Shawn Moore, Former Falcons QB Chris Miller are just some of the Quaterback Coaches for Football Unveriversity.

Brian Mitchell, 13 year NFL running back, and former NFL star Linemen Irv Eatman. New York Giants Perry Williams will be coaching the Defensive Backs. Wide Recievers will be coached by Glen Smith former Dallas Cowboy and Atlanta Falcons Andre Rison, and Punters and Kickers will be coached by the number one punter/kicker coach in America Bill Renner. Coach Renner has produced over 12 current NFL Punters and Kickers.

The concept behind FBU is to provide the nations premier high school and youth player development football specific hands on training in a NFL Mini-Camp format. Just like the NFL the camps are a 3 day event.

Friday meet and greet your coaches and fellow football players. Go over some basic techniques and drills. Saturday 8 hours instruction, Sunday is 5 hours of instruction. This year there were 18 football invitation football camps. In 2009 Football University is planning on having 32 football camps all over the USA.

For more about the 2009 camp schedule check out my website listed below.

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November 30, 2010

Hotels in Charleston West Virginia

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Charleston is West Virginia’s largest city and capital. It is situated by the historic Kanawha and Elk rivers of West Virginia and takes pride in its very colorful and rich history dating back all the way since time of the American Revolution. Charleston is also regarded to be an emerging city as a lot of establishments and businesses have emerged in recent years. The city is quite old-fashioned as compared to much larger cities, but it nonetheless has so much to offer. Likewise, Charleston is very favored for the many parks that abound it. Parks such as Coonskin Park, Cato Park, and Kanawha State Forest are Charleston’s backyard. Within the parks are recreational sites, picnic areas, hiking and biking trails, camping sites, and shelters. Overall, Charleston West Virginia is a wonderful city to visit for either leisure or business.

Hotels

When traveling to Charleston, whether it is for business or for leisure, hotels are the number one thing that you should look up into. After all, you want a place that will be a home away from home. Charleston’s hotels are exceptionally managed. Rest assured, that when you go to Charleston, you will have a great time. With that in mind, it’s important to look into specific qualities and attributes that the hotels have in stored for you.

Service

Above all, Charleston hotels boast in their service. Service always comes first when it comes to hotels because people always want to be treated with utmost relaxation, friendliness, and warmth. Charleston hotel’s service relies most on how they get to treat their guests. In addition to that, they also take pride in their room service, which allows you to enjoy in your favorite foods. Moreover, room service also caters to people’s needs and desires at all times.

Amenities

Amenities are just as important as everything else when looking into hotels. The amenities not only pertains to the recreational service of the hotel like their pools and jacuzzis but their room amenities as well. Charleston hotels have superbly laid-out rooms that are equipped with the latest appliances, not to mention very fast internet service, which gives the comfort of working from your bed.

Food

Of course, when looking into Charleston hotels, you simply can’t ignore about food. One great thing about the food is that it’s very diverse. No matter where you visit, you’ll always find something that will please your changing tastes. The hotels in Charleston have exceptional food for the whole family. With a great hotel in a wonderful city, your trip will surely be something to look forward to.

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November 28, 2010

Coaches Lead Teams to Greatness

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The athletic department in any university is important. Prestigious universities invest so much to scout for potential athletes that will bring victory to their teams. Some even observed athletes of different high schools to look for talented athletes.

However, the discovery of university athletes does not solely rely on scouts. Most successful athletes have to prepare and prove themselves worthy to be part of the team they want to join. They have to prepare for tryouts in order to get the attention of their seniors and coaches.

The success of the athletic teams is not in the hands of the athletes alone. The coaches play a big role in the success and failure of the team. Many schools fire their coaches because of bad team standings. There are also those who name their stadiums and fields after the coaches as a sign of gratitude.

Sports recognize the coaches at large. When the West Virginia Mountaineers received the Lambert-Meadowland trophy, the records did not list the names of athletes who were part of the team. They listed the name of the head coach instead.

Coaches also receive credit for the performance of their players. Experts would say that the great coaches bring out the best from their players. Talent alone is not enough to win games. It takes guidance and motivation as well.

Going back to the football team of the West Virginia University, Coach Don Nehlen is among the best. His induction in the College football Hall of Fame proved his greatness. Before becoming one of the best coaches, he was a quarterback at the Bowling Green State University. After that, he coached the Bowling Green.

He then coached the West Virginia for 20 years, from 1980 to 2000. He received various awards that recognized him as one of the top coaches around. In 1988, he received three distinctions, the AFCA Coach of the Year, Bobby Dodd Coach of the Year, and Walter Camp Coach of the Year awards. During his leadership, he led the Mountaineers to the 1993 Big East Conference championship. In that same year, he became the Big East Coach of the Year and Kodak Coach of the Year.

When Nehlen retired, Coach Rich Rodriguez replaced him. No one would be more fitting to do the job since he has been assisting Coach Nehlen in 1985 and 1986. He led the team to four Big East Conference championships, including three consecutive titles in 2003, 2004, and 2005. During these years, he also received the Big East Coach of the Year award. After they won the Big East Conference in 2005, they won the Nokia Sugar Bowl, defeating the Georgia Bulldogs.

Although Rodriguez left the West Virginia Mountaineers after the 2007 season, he is still one of the best coaches the team has ever had.

These two coaches have led the West Virginia University football team to greatness. This reinforces the value of coaches in the performance of their teams. Although the players are valuable to the team, the coaches lead the team.

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November 27, 2010

Headlights, Camera, Action!

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I’m currently on a plane that is bringing me home to my luxurious mansion nestled in the Hollywood Hills. Well, actually my studio in the valley is “cozy” and I’m pretty sure my neighbors aren’t celebrities; unless you take into consideration appearances on Cops or America’s Most Wanted. I haven’t made it yet, but my day will come soon enough. I’m just glad this plane is distancing me from West Virginia as much as possible; 3,000 miles of pure Middle America should suffice.

Why West Virginia you might ask? I just got done asking myself the same question. Let me preface the story with a brief background. During my childhood I developed a love for movies. I would go to the theater every weekend with my dad and we’d watch everything from cartoons to comedies to Chuck Norris. The movies were an escape; a time where we could relax for two hours and immerse ourselves in something besides our normal lives. Fast forward. I went to film school, interned in Hollywood, worked my way up (through years of degrading tasks and coffee runs) and finally got to direct my own movie. It’s not going to be a summer blockbuster, but hey, at least I’m not counting pages at the copy machine. I didn’t have the budget that most big production companies throw around, so we needed to cut corners where we could. Every state offers different incentives to filmmakers–whether it is tax breaks, cheap labor, or cash grants–and it came down to the fact that West Virginia gave us the best deal; and now I know why.

I can’t tell you about the film because I’m under contract, but it is a horror film based on a certain killer and a certain holiday. We can shoot most scenes in our studio, but we needed a good night scene in the woods. Los Angeles offers beautiful landscapes, but lacks the dense, green forests of the east coast–West Virgina enter stage left. After traveling for hours, making layovers, and dealing with getting our gear through airport security we finally made it to the quaint town of Eleanor, WV. There was nothing there. There couldn’t be more than 1,000 people in the whole town, which is weird for me because more people than that attend premier events. I told myself we were only going to be there for a four days. I grew up in Massachusetts so I thought I could take four days roughing it. The first two days of the shoot went a lot slower than I thought. We had a few locals helping us out–showing us the area, moving our gear, operating some equipment. At the risk of sounding like a pompous jerk, I must say that they were complete amateurs. Scenes that normally would have taken an hour, took three hours. So we were already pressed for time when on the third night, one guy trips over a light cable, sending it crashing to the ground. I was seeing red. This was my first big film and it was going to fail because some inbreed local couldn’t pick up his feet.

I let my anger get the best of me and I let him have it, which I felt bad about after. I could tell he felt horrible. He offered to drive his truck into the woods so we could use his headlights. If you have ever tried making a film, you know the importance of improvisation. So he ran to his truck, drove into the woods, and blasted us with his headlights. Wow. Angels are singing. His headlights created an amazing effect that our lights didn’t even come close to imitating. The guy made up for his mistake, which turned out to be better than the original, so I offered him a permanent position as my assistant. Hopefully the movie looks good after post production.

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November 26, 2010

Armadillo on the Half Shell

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Have you ever wondered who first figured out what man should and should not eat? I mean, at some point near the beginning of time, there must have been someone who sat down on a rock and decided that man should eat cows, but not crocodiles; that he should devour pigs and chickens and fish, but not lions and tigers and bears. Who was this prehistoric Galloping Gourmet and what was his connection to the “Wizard of Oz?” Unfortunately, we’ll probably never know.

If early man was anything like his modern-day counterpart, it’s a pretty safe bet that only those animals that were easy to catch and didn’t try to eat you in return were put on the edibles list. Though early man is thought to have had a brain the size of a peach pit, he probably didn’t have to see too many of his cave buddies eaten by giant iguanas to figure out that prehistoric cow meat made for a much healthier diet. That being the case, it was fear and laziness that determined what the menu for mankind was to be. And it’s a good thing, too. Had our ancestors taken a bit more initiative, your favorite food today might be badger on a stick. Can you say, “Mmm Mmm, good!”

From a Biblical point of view, perhaps it was Adam who planned the world’s first menu. “Hey, Eve, look! These platypus tails aren’t bad if you dip them in a little honey mustard. In fact, they kind of taste like chicken! Put them on the ‘can eat’ list!”

Hmm… Maybe it was a good thing Eve wasn’t much of a listener, after all.

No matter who performed those first taste-tests, thereby establishing the dietary standard for mankind for generations to come, I believe that, throughout time, God has looked down occasionally and yelled, “Hey, stupid! You’re not supposed to eat THAT!”

When I was growing up on a small farm in rural Limestone County, we were completely self-sufficient (the politically-correct term for being too poor to purchase food). If we couldn’t grow it in a field or raise it in a pen or squeeze it from a cow, we didn’t consume it. We grew it, we killed it, we ate it, period. Needless to say, there were a lot of jumpy animals around our house. Even my dog had a nervous tick (sorry, the joke was there, I had to use it).

We never went out to eat, either. To us, fast food simply meant that we couldn’t catch it on foot. Perhaps we should have tried running it down with my old man’s truck. I never considered that an option until I read about what’s going on in West Virginia, a state which, until now, has been primarily known for giving the world such great punchlines as: “If she ain’t good enough for her own family she ain’t good enough for ours!” and “Not with my pig, you don’t!” and “That’s the last time I let a shoe salesman use MY outhouse!” But now West Virginia has done what no other state in the union has ever had the mountain oysters to do. It has given the thumbs up to drive-over dining. I think I’m gonna have to have some ketchup for this one.

Check out this story from last week’s Associated Press:

Road Kill Is Now Dinner In West Virginia

CHARLESTON, W.Va. (AP) — West Virginia motorists who run down the odd critter can legally take it home for dinner under a law passed by the Legislature. The bill, which has made West Virginia the butt of jokes nationally, would let drivers keep their road kill provided they report it to conservation or police officers within 12 hours. The measure became law when Gov. Cecil Underwood declined to veto it by a Thursday deadline. Pro-road kill legislators envision people eating deer hit on he road, but the bill allows drivers to take home any wildlife, except protected birds, spotted fawn or bear cubs. Proponents said if drivers can be encouraged to eat their road kill, the state would save money it now pays Division of Highways workers to remove the dead animals. Current law allows people to take possession of road kill only after they’ve contacted authorities, by then the meat has spoiled, said supporters.

The only gray area in this law is what technically constitutes road kill. By its very name, road kill is “something killed on the road,” so it shouldn’t be too hard to establish a rule of thumb. Something simple, like: “if the driver has to jump a curb and/or slam through a barbed-wire fence to accidentally hit and kill the animal, they have gone too far.” And no backing up just to make sure dinner is done, either. Under the law, that would be considered “over-tenderizing.”

I have to wonder what effect this law will have on how West Virginians eat. Imagine this being rattled off by the peppy waiter at TGIFriday’s: “Howdy. The name’s Merle, and I’ll be your waiter this evening. Today’s specials are Armadillo on the Half Shell, Skunk TarTar, Squirrel Flambe, Iguana Gumbo… and we also have a lovely Raccoon Rockefeller for only $7.99.”

Gives a whole new meaning to the term, “scattered, smothered, chunked and smashed,” doesn’t it?

The road kill law is not without its critics. Dr. Hannah Barberra, spokeswoman for the animal rights group “Defenders Of Other Dumb Animals” or “DOO-DA” for short, had this to say: “The road kill law gives humans a license to drive and kill. Imagine a world full of Wyle E. Coyotes driving two-thousand pound automobiles. That’s what we have to look forward to if eating road kill becomes the norm.”

When asked about the rumor that DOO-DA plans to set up booby-trapped ducks, rabbits and road runners along West Virginia’s highways to discourage hungry motorists, Dr. Barberra declined to comment, other than to say that whatever her group does, no actual animals will be harmed.

Thank goodness. I’d hate to see innocent animals getting hurt just because mankind has decided to expand the menu.

Now, grab the honey mustard, Elmer, and let’s go for a ride.

I’m getting awful hungry.

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November 25, 2010

West Virginia Design Schools

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West Virginia is home to a number of design firsts. Did you know that one of the first suspension bridges in the world was erected in 1849 in Wheeling, WV? The first electric railroad in the world was built in here and the first brick street on the world was laid in Charleston, WV. And talk about art and design — West Virginia is home to the world’s only residence made entirely of coal. Occupied on June 1, 1961, Coal House is located in White Sulphur Springs, WV. With an abundance of unique and innovate design within the borders, it’s no wonder the state is also home to some of the nation’s top design schools.

The Department of Design at West Virginia University and Concord University- Department of Design are the state’s pride and joy when it comes to design programs. Established in 1867 (WVU) and 1872 (Concord), these popular institutions enroll roughly 200 hand-picked design students each year. Overall, the state has a total undergraduate student population of nearly more than 100,000. These students attend the 23 public and 21 private institutions. Across the nation, undergraduate art and design school enrollment is 110,273.

WVU, Concord and other West Virginia design schools offer degree programs ranging from architecture to sculpture. Design students may earn a degree in graphic design, interior design, web design, drawing, illustration, multimedia and film, ceramics, jewelry making, photography, printmaking, metalsmithing, and painting. The costs for these programs vary by school, but on average, design students can expect to shell out around $4,377 per academic year at a public school $15,296 per academic year at a private school.

Fortunately, tuition rates are lower than the national average. The average tuition for public four-year schools across the nation is $5,950. For private schools, students pay $21,588 on average. West Virginia students may pay even less by completing all or part of the degree program online. Online students save a significant amount of money each year by eliminating room and board costs as well as transportation. Room and board costs average around $7,049 per academic year.

To get started on a design career, you should select a school. If you would like to explore options outside of the top schools listed above, you can browse through listings by visiting college directories or college ranking websites such as U.S. News & World Report or Design-schools.us. After you have selected several options, be sure to visit the school’s official website to begin the application process. Most directories and ranking websites feature links to each school’s official website.

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