₦airaland Forum

ogbuo

ok

We reported earlier on “a proposal to limit the over the counter cash withdrawal by bank customers to N10,000 which has been tabled before the Central Bank of Nigeria (CBN). The Sub-committee on Payments Systems and Infrastructure of the Bankers Committee last week sent the proposal to the CBN. The proposal was presented at the committee’s meeting but it is not clear whether it was considered. The CBN is expected to “give feedback on the request”.

The banks by the proposal want to further compel bank customers to use e-banking channels, e.g. ATMs, internet banking etc. However when there is a dispute involving transactions on any of those channels it takes a long time before they are resolved and customers often go through harrowing experiences before a resolution is reached. For instance in cases of ATM dispense errors (i.e. ATM fails to dispense cash but customer account is debited) involving the ATMs of two different banks, it takes sometimes over a month before there is a reversal of the debit and in some instances there is no reversal at all and the banks will go to court insisting that there was a withdrawal without providing conclusive evidence of such withdrawals like ATM camera footages as required by CBN guidelines. See for e.g. the cases of KUME BRIDGET ASHIEMAR vs. GUARANTYTRUST BANK PLC (GTB) & UNITED BANK FOR AFRICA (UBA) PLC, Suit No: MHC/198/14 and BARR. TIMOTHY TION vs.FCMB LTD & UBA PLC. (Suit No. MHC/161/16), pending before the Benue State High Court of Justice, Makurdi.

Further evidence of how it takes long for ebanking disputes between banks and customers to be resolved can be found in my own case where I sent an email to the Central Bank of Nigeria’s (CBN’s) Consumer Protection Department (cpd@cbn.gov.ng) over a disputed ATM withdrawal since December, 2015 and I did not get any response whatsoever from the Consumer Protection Department till date.

It is even doubtful if there are enough ATMs to service customers who will have to resort to ATM withdrawals if across the counter cash withdrawal is limited to N10,000.

I therefore, call on the CBN and bank customers to reject the proposal by Deposit Money Banks to limit over the counter cash withdrawal by bank customers to N10,000.

The following stories illustrate the suffering bank customers in Nigeria go through using e-banking channels especially ATMs:

http://www.financialwatchngr.com/2016/06/13/reject-n10000-withdrawal-limit/

And somebody will tell me why I should not patronise prostitutes

This is a wake up call for the very lazy banking Nigerian financial institutions are known for, they have been over feed with public funds in the past and are used to getting away with all their selfish antics, but now the game have changed and the tsunami that will soon sweep over all banks will only expose how weak our banking sector are. Expect to see news of distressed banks in coming weeks as the time for big man banking is over.

Only the wise will go into the streets, market places, villages, interiors, farmlands, SMEs, businesses begging desperately to fund them in order to generate interest from the revenue from them. That is what they should have been doing from day one, but since the rug just got pulled from under them, they have to start learning a new thing altogether or just close their shops and go home.

Customers of Deposit Money Banks, DMBs, may be faced with a new across-the counter cash withdrawal limit to be pegged at N10, 000. It was learned,weekend, that the DMBs, under the aegis of the Bankers Committee, have already approached the Central Bank of Nigeria, CBN, to propose the limit.

Sources said the measure being contemplated would drastically reduce the number of customers that would need to physically visit banking halls for transactions.

The DMBs, sources said, wanted to achieve two objectives via this strategy, if approved by the CBN. The objectives include greater use of electronic banking and smaller workforce – as a means of cutting cost of operations. Already, some banks had laid off many workers, citing operational losses, especially as the Federal Government Treasury Single Account Policy, TSA, has deprived them of federal government deposits.

It took the intervention of the Federal Government, which even had to threaten banks with severe sanctions, including the withdrawal of their licences, to pull back on the gale of mass sack. A ‘State of the Economy’ document of the apex bank presented to the Bankers’ Committee in Abuja, last Thursday, showed that unaudited Profit Before Tax of banks for the period ended April 2016 indicated a decrease from N222 billion in April last year to N198 billion, representing a 10.8 per cent or N24 billion decrease.

“The decline was driven largely by a decrease in both interest and non-interests income which decline by 6 per cent or N50 billion and 54 per cent of N259 billion, respectively,” the document read.

It explained that the banking sector was still faced with a lot of pressure points, some of which it listed as resurgence of inflationary pressures in the face of negative output growth, continuing low oil prices, and lack of fiscal buffers.

In addition, the apex bank said capital flow reversals, rising pressure on exchange rate in the face of declining external reserves, huge growth in credit to the government to compensate for declining oil receipts were other major challenges confronting the industry.

http://www.financialwatchngr.com/2016/06/13/banks-move-limit-counter-withdrawals-n10000/

These men of god are worst than politicians, reason is because they lie in the name of God while using every trick conceivable to deceive their gullible followers. There prophesies always comes after the said event has taken place.

Oba of Bini got some questions to answer

Ebuka478:
Not yet, have you?
Secondly, how will this AMI Course assess unemployed applicants who proposed new businesses?

Still on it.......

I think the AMI job is to train and prepare us to perform well in our projects/businesses, after which the best among us(70%) will proceed to the one week in-class program, then subsequently BoI will grant them the loan to actualise the project.

Hello fellow YES-P participants, this thread is for all those shortlisted to embark on a 3months online intensive program, let us all get aquainted with one another as well as share experiences as the program progresses. On monday 13th june is the kick-off date.

Have you completed your pre-training activities? share any challenge here let's solve them all.

Federal government will today lunch the school feeding programme, which is expected to ensure the feeding of over 24 million primary school children, would have each of the children given one meal per day in the first year of its operation.

The scheme is part of the N500 billion social investment plans of President Muhammadu Buhari’s Presidency, even as both the federal and state governments are expected to review the strategic plan for the scheme.

The event is billed to hold at the Old Banquet Hall of the Presidential Villa, Abuja. Some dignitaries expected to be in attendance include governors of Borno, Oyo, Osun, Enugu and Kaduna states, and other government representatives and stakeholders from 36 states of the federation and developmental partners.

According to a statement from the Office of the Acting President, the strategic plans will run until 2020 and forms the cornerstone of the nationwide Home Grown School Feeding programme.
The statement added that “the Federal Government is working with key technical partners to capitalize upon global experience and adopt best practices.”

One such partner is the UK’s Imperial College, London’s Partnership for Child Development, PCD, which is providing technical assistance to the Presidency. The scheme is to help pupils become better students, and also boost the local economies, and create new jobs along the way.
Beside the strategic plan, Osinbajo would also launch the “Global School Feeding Sourcebook: Lessons from 14 countries,” a joint Partnership for Child Development, the World Bank and World Food Programme analysis of national school feeding programmes from across the globe.


http://www.financialwatchngr.com/2016/06/09/fg-school-feeding-programme-launch-today/

The World Bank has cut Nigeria’s economic growth forecast for this year, citing weakness from oil-output disruptions and low prices.

The bank, in its semi-annual Global Economic Prospects report, expects Nigeria to grow by 0.8 per cent, down from an estimate of 4.6 per cent in January. Growth could pick up to 3.5 per cent in 2017, it said.

Foreign exchange restrictions, fuel shortages and a plunge in oil production and prices had hit the economy, the World Bank was quoted by Reuters to have stated in the report.

The country’s economy contracted for the first time since 2004 in the first quarter of this year and the Governor, Central Bank of Nigeria, Mr. Godwin Emefiele, warned in May that a recession was imminent after a four-month delay in the nation’s budget stalled economic stimulus programmes.

Faced with the oil price slump, the key source of government revenue, the central bank has restricted access to foreign exchange. The country has held its currency, the naira, at 197-199 per dollar since March 2015, unlike some other oil producers that have let their currencies weaken.

The CBN’s Monetary Policy Committee had two weeks ago, after its meeting, announced plans to adopt a flexible exchange rate. But the blueprint for the proposed policy has yet to be released, putting further pressure on the naira at the parallel market.

The country is currently plagued by oil supply woes, as a resurgence of attacks by militants on oil and gas facilities in the Niger Delta has driven crude output to its lowest level in nearly three decades.

The Africa and Middle East Economist, Bloomberg, Mark Bohlund, in a new report, said the Nigerian economy was at risk of experiencing its first full-year recession since 1987, after output contracted by 0.4 per cent in the first quarter from a year earlier.

He said a drop in oil output to a 27-year low and paralysis in other sectors due to fuel and foreign exchange shortages meant that economic growth was likely to remain negative for the rest of this year.

The naira devaluation is unlikely to help much, with its beneficial impact expected beyond the end of this year, he said.

Bohlund said, “The first quarter contraction does not come as a surprise, but the drop in oil production was actually less damaging to activity than anticipated, dragging on real Gross Domestic Product growth by only 0.2 percentage point in the period compared with 0.7 percentage point in the fourth quarter and 0.6 percentage point in 2015.

“Instead, it was manufacturing that experienced the sharpest drop in activity, falling by seven per cent year over year. This is likely to have been partly connected to a decline in domestic demand but also to the difficulties of importing input materials due to foreign exchange controls.”

http://www.financialwatchngr.com/2016/06/09/world-bank-lowersnigerias-growth-forecast/

Good move

N-Power is a job creation and empowerment initiative of the Social Investment Programme of the Federal Government of Nigeria. N-Power is designed to help young Nigerians acquire and develop life-long skills to become solution providers in their communities and to become players in the domestic and global markets. Through N-Power, young Nigerians will be empowered with the necessary tools to go on and create, develop, build, fix and work on exceptional ideas, projects and enterprises that will change our communities, our economy and our nation. The N-Power programme is for all eligible Nigerians looking to work gainfully. However, the initial programmes have been designed for young Nigerians between the ages of 18 and 35.

THE N-POWER STRATEGY

For any country, skills and knowledge are the driving forces of economic growth and social development. Countries with higher and better levels of skills adjust more effectively to the challenges and opportunities of the world of work. Despite the great level of unemployment, Nigeria has the advantage of demographic edge given that a significant proportion of the population is young. Harnessing the demographic edge through appropriate skill development efforts would provide an opportunity to achieve inclusion and productivity within the country. Large-scale skill development is thus an imminent imperative.

Planned development of skills must be underpinned by a policy, which is both comprehensive as well as national in character. A national policy response is, therefore, needed to guide the skill development strategies and coordinated action by all stakeholders to avoid a piecemeal approach. It is also important that the policies of skill development be linked to policies in the economic, employment and social development arenas. This is why the Federal Government of Nigeria has designed the N-Power Programme.

N-Power addresses the challenge of youth unemployment by providing a structure for large scale and relevant work skills acquisition and development while linking its core and outcomes to fixing inadequate public services and stimulating the larger economy. The modular programmes under N-Power will ensure that each participant will learn and practice all that is necessary to find or create work. The N-Power Teacher Corp involves a massive deployment of 500,000 trained graduates who will assist to improve the inadequacies in our public services in education, health and civic education. Some of these graduates will also help in actualising Nigeria’s economic and strategic aspirations of achieving food security and self-sufficiency.

N-Power will also be a platform for diversifying the economy. N-Power is preparing young Nigerians for a knowledge economy where, equipped with world-class skills and certification, they become innovators and movers in the domestic and global markets. N-Power also focuses on providing our non-graduates with relevant technical and business skills that enhance their work outlook and livelihood.

To start, N-Power will convert the teeming unemployed to a pool of 500,000 empowered teachers, agriculture extension advisers, healthcare assistants, and civic and adult education instructors. There will also be a pool of 100,000 software developers, hardware service professionals, animators, graphic artists, building services professionals, artisans and others. N-Power will widen to attend to more citizens in the coming months.

GOALS

To intervene and directly improve the livelihood of a critical mass of young unemployed Nigerians.
To develop a qualitative system for the transfer of employability, entrepreneurial and technical skills.
To create an ecosystem of solutions for ailing public services and government diversification policies.

N-POWER HAS 3 MAIN SEGMENTS

N-Power Teacher Corps

N-Power Knowledge

N-Power Build

1.N-Power Teacher Corps

The N-Power Teacher Corps is a segment of the N-Power initiative which will engage and train 500,000 young unemployed graduates for the benefit of rural development in Nigeria. It is a paid volunteering programme of a 2-year duration. Through the N- Power Teacher Corps programme, the government’s commitment to the improvement of quality of lives, reduction in income inequality and tackling of the deficiencies in public services will be actualised.

The graduates will work in their immediate rural communities, where they will assist in improving the inadequacies in the education, health, and agriculture sectors. Among the key selection criteria for the N-Power Teacher Corps will be a predisposition to work in proximate communities.

The 500,000 graduates under the N-Power Corps programme will get computing devices that will contain information necessary for their specific engagement, as well as information for their continuous training and development. Participants will provide teaching, instructional, and advisory solutions in 4 key areas.

The N-Power Teacher Corps programme is an invaluable opportunity for young Nigerians to make immense economic and social contributions to the nation while developing their skills. They will be encouraged to think critically, and be entrepreneurial and creative in applying their skills in their areas of endeavour. The 4 main focus areas are in primary and secondary education, agriculture, public health and community education (civic and adult education).

N-Power Teach

N-Power Teach will engage qualified graduates for the benefit of basic education delivery in Nigeria. They will be deployed as teacher assistants in primary and secondary schools around Nigeria. They will not replace the current teachers, but will work as support teachers across Nigeria, assisting with teaching, school management and other functions within the schools. They will also assist in taking basic education to children in marginalised communities.

Importantly, they will gain work experience, and acquire key competencies through academic and non-academic capacity building programmes, which will improve their competitiveness in the workplace.

N-Power Health

Through the N-Power Health programme, young graduates who form part of the 500,000 N-Power Teacher Corps members will be trained to work as healthcare assistants. They will teach preventive health to community members including pregnant women, children, families and individuals. They will also be trained to provide basic diagnostic services.

Programme participants would be trained to provide the following essential services:

Monitor health status to identify and solve community health problems.
Diagnose and investigate basic health problems and health hazards in individuals and the community.
Inform, educate, and empower people about health issues.
Mobilize community partnerships and action to identify and solve health problems.
Develop policies and plans that support individual and community health efforts.
Educate on laws, regulations and policies that protect health and ensure safety.
Link people to needed personal health services.
N-Power Agro

One of the ways that the Federal Government plans to diversify our economy is attaining self-sufficiency in producing the food we consume. An effective and well-coordinated agriculture extension system is vital to the attainment of sustainable national food self-sufficiency. To establish this, the Federal Government will engage 100,000 qualified young Nigerians through the N Power Agro programme.

After a first phase of training, N-Power Agro members will start to function as intermediaries between research and farmers. They will operate as facilitators and communicators, helping farmers in their decision-making and ensuring that appropriate knowledge is implemented to obtain the best results on farms. N-Power Agro will also rely on the use of technology as the country aspires to identify soil types, farm sizes, irrigation data, and ensure that our farmers are part of an existing and developing knowledge management system.

N-Power Community Education

There are certain values that are vital to building a nation. The Federal Government will focus on promoting patriotism, integrity, productivity, ethics, and efficiency. Civic education is essential to sustain our objectives to build a strong and competitive nation. To achieve this, the Federal Government will deploy a segment of the N-Power Teacher Corps as teachers of the civic skills and dispositions required to build the minds and hearts of our nation.

Some N-Power Teachers Corps members will also instruct and teach young and mature adults to improve or supplement their knowledge and skills in literacy, numeracy and other areas where they may be deficient.

2.N-Power Knowledge

The N-Power Knowledge programme is the Federal Government’s first step towards diversifying to a knowledge economy. This programme will work alongside the planned eight innovation hubs across the country to provide incubation and acceleration of the technology and creative industries. The programme is a training to jobs initiative, essentially ensuring that participants can get engaged in the marketplace in an outsourcing capacity, as freelancers, as employees and entrepreneurs. The knowledge programme is segmented into three sub programmes:

N-Power Creative
N-Power Tech (Software)
N-Power Tech (Hardware)


N-Power Creative

The N-Power Creative programme will train and develop 5,000 young creative talents. The strategy is to put our creative industry on the global radar as exporters of world-class services and content. The duration for the training is 3 months, made up of 1 month in-class, and a 2-month hands-on group project, conducted across selected Nigerian cities. The participants will be trained and certified in one of the following courses:

Animation
Graphic Design
Post-production
Script Writing
At the end of the training, some participants will get local and international internship opportunities while others will be linked to job and market opportunities. In addition, all participants receive computers that assist them in skills acquisition and kick-starting their journey to work and entrepreneurship.

N-Power Tech (Software)

The N-Power Tech (Software) programme is set out to train, equip and support 10,000 young Nigerians to meet the local and international demand for software developers, web designers and other technology needs. The training will last for 3 months.

In addition to their technical courses, they will also receive entrepreneurship and business outsourcing trainings.

At the end of the training, some participants will get local and international internship opportunities while others will be linked to job and market opportunities. In addition, all participants receive computers that assist them in acquiring skills and kick-starting their journey to work and entrepreneurship.

N-Power Tech (Hardware)

The N-Power Tech (Hardware) programme is a demand driven skills training initiative that will train a minimum of 10, 000 young Nigerians to repair, maintain and assemble mobile phones, tablets, computers and other devices.

This will be a hands-on training programme where students will learn with the same tools, components and systems that they will encounter after the programme. Through this programme we will not only develop a huge crop of hardware entrepreneurs that can provide repair and maintenance services, but also train and develop a reservoir of human capital in hardware assembling and manufacturing for the domestic and export markets.

3.N-Power Build

The presence of a well-trained and highly skilled youth population in any economy has direct impact on entrepreneurship/wealth creation, which in turn leads to a decline in unemployment. If Nigeria is to fully maximise the use of her human capital coupled with our abundance of natural resources, it must pay attention to skills competency development and entrepreneurial training.

N-Power Build is an accelerated training and certification (Skills to Job/Enterprise) programme that will engage and train 75,000 young unemployed Nigerians in order to build a new crop of skilled and highly competent workforce of technicians, artisans and service professionals.

The focus industries include:

Building Services
Construction
Built Environment Services
Utilities and Engineering
Hospitality and Catering
Automative
Aluminium and Gas

http://www.financialwatchngr.com/2016/06/08/fg-introduces-job-creation-initiative-n-power/

[b]Nigerian football icon Stephen Okechukwu Keshi died suddenly in the early hours of Wednesday in Benin City, Edo state, FINANCIAL WATCH can report.
The former international football player and coach had lost his wife of 33 years, Kate, last year after a prolonged battle with cancer.

TheCable confirmed his death from a member of his family as well as one of his close associates.

“He was not ill at all, never showed any signs of illness, but we suspect he never got over the death of his wife,” a friend said.

He is survived by four children and his mother.

Keshi, the only Nigerian coach to have won the Africa Cup of Nations, achieved a rare feat in 2013 by becoming only the second person to win the trophy both as a player and a coach.

The only other person to have achieved the feat is Egypt’s Mahmoud El-Gohary.

Keshi, a product of St. Finbarr’s College, Akoka, Lagos, started his playing career at a very young age at ACB Football Club, and later played for New Nigeria Bank, Stade d’Abidjan, Africa Sports, Lokeren, Anderlecht, RC Strasbourg, and a host of other clubs.

He represented Nigeria from 1982, at age 20, till 1994, most of the time captaining the Super Eagles and scoring vital goals from his position as a central defender.

He also coached Togo and Nigeria at the World Cup, as well as Mali.

Keshi, nicknamed the “Big Boss” for his leadership skills, is the fifth member of the all-conquering 1994 team to die, following Uche Okafor, Thompson Oliha, Rashidi Yekini and Wilfred Agbonavbare.

http://www.financialwatchngr.com/2016/06/08/breaking-stephen-keshi-dead/[/b]

peleson:
How do they employ? Where is their address?

Just take a look at the average mentality of a Nigerian youth, a bank created to give long term loan for businesses and entrepreneurs just came on board, instead of thinking of how to benefit from the provision all you can think of is how to submit CV? Is this generation coursed with poverty or what?

Now cos its not from the church mgt it is now fraud, but if it was some will defend it as if their life depends on it.

Austin234:
I agree with u that the word 'Trinity' is not in the scripture but impliedly, it is there. Read Gen 1 vs 26, Matth. 28 vs 19, 1 John 5 vs 7.
The implied meaning here could be when u use a concise word in English language to explain something instead of sentences. Example the word Rift could mean misunderstanding between two or more persons

No matter how u twist scriptures to ensure the idea of trinity, that can never make trinity a bible teaching. Since in your system of belief "trinity" is in the center of it all, how come you can't find one place it is written in the bible? It's simply because it is not a bible teaching. Yet people like you will condemn others for not accepting the trinity teaching.

Annais:
The word 'Trinity' was not exactly used but this verse in 1John 5:7 will clear your doubt " For there are three who bear witness in heaven: the Father, the Word, and the Holy Spirit; and these three are one."
Note that the 'Word' means Jesus.

do not use inferences and assumptions, if God is trinity why did the bible his word not use that exact word "trinity'"? it's ok you admitted the exact word is not used, that obviously means God is not a trinity. God is one, and his name is Yaweh or Jehovah, He have a Son, and his name is Jesus Christ, His active force He uses to bring his will to pass is "Spirit". It is better understood the way it is than going morethan what is written in God's word. The trinity doctrine is the most reprehensible teachings in God's name, even the proponents agree that they can't fully explain it. Besides does it make any sense at all?

From number one is a total lies..... @op just quote one verse in the bible with ''Trinity'' , only one verse pls.

When you invite a girl you meet on Facebook and she came loaded

I

mosesabah:
Your website is just one of the billion sites parked on the World Wide Web. Chances are, you don’t think yours will ever get noticed.
We hear your cries for cyber attention. Here are five ways to get people clicking on to your site.

1.) Make sure it’s professional looking.
No one likes looking at website that reminds them of a book report they wrote back in school. Invest in learning a good web design program (Dreamweaver MX and Microsoft Frontpage are good picks), and let your creative juices flow. Make sure it’s compelling, well-designed, and organized. People don’t exactly find it fun to weed through haystacks of cyberfiles to get the information that they want.
On that note, don’t make it a heavy site. Putting up some flash intros may be great eye candy, but the average internet surfer only waits 10 seconds for a page to load, and then they’re off to the next.

2.) Put your URL on every search engine possible.
Putting your URL on business cards and bugging your family and friends to check out your site won’t exactly increase traffic. Submitting it to search engines will make it easier for people to find you, provided that your webpage carries the topics they’re looking for. To understand how a search engine works, think of it as a “spider”: it crawls through your website, picking up words and information which would later be indexed in the search engine’s database. So make sure you pepper your site with keywords you think are relevant to what people are looking for. Web directories, like Yahoo!, are operated by humans who actually categorize the websites themselves.
If you don’t feel like submitting your website to numerous directories, consider subscribing to sites like www.submit-it.com, who, for a fee, will automatically submit your site to search engines and directories for you.

3.) Link everywhere.
Find other sites that carry similar content as yours and ask to exchange links. Create banners to be placed on other peoples’ websites, and offer to the same for them on your site. Add your URL on your e-mail signature. Join webrings if you must—there’s nothing like strength in numbers.

4.) Advertise offline.
The world of cyberspace isn’t enough to get you noticed. Write up press releases and send them to local newspapers and magazines. Print out fliers to be distributed. Just make sure that your site is already up and running to avoid giving people a bad impression (no one likes getting pumped up for something only to get disappointed).

5.) Interact with your readers.
Put up forums or message boards for your visitors to interact with each other. Chat rooms are often time-consuming for some, while message boards allows them to check back every so often for replies. Create an e-mail list so you can update your visitors about new developments, and always be open to feedback—that’s what will make your site even better.

More like saying if you want to write use a pen. Anyone who just know a thing or two will just start giving expert advice. Anyone who follows this kind of tips will quit blogging without earning a dime.

This is from a carnal mind..........has nothing to do with God's kingdom

Any blogger who wants to succeed online should forget all these so called SEO tips from experts...
Do what works for u and it will be fine, no successful blogger who ever made it tells the true story of how it happened.

Abdail21:
This is the way bloggers sustain nairaland with vital and full info at the expense of their site brand and SEO. This OP self

Actually some bloggers think by posting all their blog post on nairaland they gain traffic and back link, actually it hurts the blog more. Whenever a post makes front page, the CTR is less than 0.01%, a thousand view gives you an average of 1 click to your site.

Again when searchers type the keywords, the post on nairaland buries the original blog post especially the new low traffic blog, nairaland will continue to get the traffic and only remit 0.01% to your site.

If just a portion of the post is posted on nairaland and the full detail read on the original blog post, the CTR will increase to about 20% thereby making the blogger and nairaland benefit from the article mutually. But the problem is no mod will give a half post attention, because nairaland is not in the business of making bloggers gain traffic.

The time a blogger uses to post on nairaland could worth more optimising a post, building legitimate followers and readers.

Successful bloggers do not post all their original post on nairaland. But for a news website the approach can be different.

There is a huge difference between a web developer and a web designer. A web designer is concerned with the visual design of a website using HTML, CSS and JavaScript. While a web developer gives the website life by using programming language like PHP, python, android, java etc to give the site functionality.

U can liken a web designer as a bricklayer the builds the structure of a house while the developer does the finishing.

A web designer is lower in web industry while the developer goes steps further. A developer can design but a web designer can hardly develop.

So for your question start with learning the design aspect - HTML, CSS and JavaScript then graduate into learning programme languages which will ultimately make you s web developer.


In summary

Web designer - front end

Web developer - back end, server side

Am not sure I will say my mind now until after one month

MRBrownJ:
the cheating wife should be laid next to this guy, and receive just as much lashes, as she is just as guilty!

that would'nt be necessary..... she's on her way back to her parents

Mourinho is best for business