Beginners Money
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Step by Step Dividend Investing
- A Beginner's Guide to the Best Dividend Stocks and Income Investments
- Auteur(s): Joseph Hogue
- Narrateur(s): Joseph Hogue
- Durée: 1 h et 22 min
- Version intégrale
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Au global
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Histoire
This book is the second in a series of four, outlining a step-by-step process for a simple investing strategy. In this book about investing in stocks that regularly put money in your pocket, I start off by showing you the power of dividend investing.
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Cost of a Starbucks coffee
- Écrit par Andrew le 2020-07-12
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Step by Step Dividend Investing
- A Beginner's Guide to the Best Dividend Stocks and Income Investments
- Narrateur(s): Joseph Hogue
- Série: Step by Step Investing, Livre 2
- Durée: 1 h et 22 min
- Date de publication: 2016-02-10
- Langue: Anglais
- This book is the second in a series of four, outlining a step-by-step process for a simple investing strategy....
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Prix courant: 9,20$ ou 1 crédit
Prix réduit: 9,20$ ou 1 crédit
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Stock Market Investing for Beginners & Dummies
- Auteur(s): Giovanni Rigters
- Narrateur(s): Ron Garner
- Durée: 1 h et 1 min
- Version intégrale
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Au global
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Performance
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Histoire
You know you need to start investing because you won’t be able to work your whole life. You don’t want to be the old employee working as a door greeter at your big chain department store. It will also be frustrating and very depressing if you are not financially aware of your future. Time seems to go faster the older you get, and it’s never too late to get started.
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For idiots
- Écrit par Laurent Gosselin le 2019-08-31
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Stock Market Investing for Beginners & Dummies
- Narrateur(s): Ron Garner
- Durée: 1 h et 1 min
- Date de publication: 2019-03-06
- Langue: Anglais
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You know you need to start investing because you won’t be able to work your whole life. You don’t want to be the old employee working as a door greeter at your big chain department store....
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Prix courant: 6,05$ ou 1 crédit
Prix réduit: 6,05$ ou 1 crédit
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Rental Property Investing QuickStart Guide
- The Simplified Beginner’s Guide to Finding and Financing Winning Deals, Stress-Free Property Management, and ... Income (QuickStart Guides™ - Finance)
- Auteur(s): Symon He
- Narrateur(s): Kevin Wagner
- Durée: 7 h et 5 min
- Version intégrale
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Au global
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In Rental Property Investing QuickStart Guide, bestselling author of Real Estate Investing QuickStart Guide and Airbnb for Dummies, course instructor, real estate investor, and veteran consultant Symon He breaks down everything that aspiring real estate investors need to know to build a thriving rental property portfolio.
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Rental Property Investing QuickStart Guide
- The Simplified Beginner’s Guide to Finding and Financing Winning Deals, Stress-Free Property Management, and ... Income (QuickStart Guides™ - Finance)
- Narrateur(s): Kevin Wagner
- Durée: 7 h et 5 min
- Date de publication: 2021-08-24
- Langue: Anglais
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In Rental Property Investing QuickStart Guide, bestselling author, course instructor, real estate investor, and veteran consultant Symon He breaks down everything that aspiring real estate investors need to know to build a thriving rental property portfolio.
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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How to Day Trade for a Living: Strategies & Tactics to Create Passive Income in Any Market - Stock, Cryptocurrency, or Options Trading
- A Beginner’s Guide to Trading Tools, Discipline, and Psychology
- Auteur(s): Jacob Ferriss
- Narrateur(s): Dodd Vickers
- Durée: 3 h et 5 min
- Version intégrale
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Au global
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In today’s fast-paced financial world, mastering the art of day trading can open doors to financial independence and passive income. This comprehensive guide, designed for beginners, delves into the core strategies and tactics needed to successfully navigate the stock market, cryptocurrency, and options trading. The book covers essential trading tools, the importance of discipline, and the psychological aspects critical to becoming a successful trader.
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How to Day Trade for a Living: Strategies & Tactics to Create Passive Income in Any Market - Stock, Cryptocurrency, or Options Trading
- A Beginner’s Guide to Trading Tools, Discipline, and Psychology
- Narrateur(s): Dodd Vickers
- Durée: 3 h et 5 min
- Date de publication: 2024-10-04
- Langue: Anglais
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Empower yourself with the knowledge and confidence to take control of your financial future with this essential guide to day trading.
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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The New Real Estate Agent's Handbook
- A Beginner's Guide to Getting Your First Sale and Achieving Long-Term Success & Proven Marketing & Sales Strategies ... Real Estate Marketing Series
- Auteur(s): Nick Tsai
- Narrateur(s): Benny Silverr
- Durée: 5 h et 7 min
- Version intégrale
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Au global
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Looking to succeed as a new real estate agent? Look no further! This comprehensive guide covers everything you need to know to thrive in your first few years as a real estate agent. From mastering the mindsets of highly successful agents to creating a daily routine that sets you up for success, this book is packed with practical tips and strategies for building a successful career in real estate.
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The New Real Estate Agent's Handbook
- A Beginner's Guide to Getting Your First Sale and Achieving Long-Term Success & Proven Marketing & Sales Strategies ... Real Estate Marketing Series
- Narrateur(s): Benny Silverr
- Durée: 5 h et 7 min
- Date de publication: 2023-03-27
- Langue: Anglais
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Looking to succeed as a new real estate agent? Look no further! This comprehensive guide covers everything you need to know to thrive in your first few years as a real estate agent....
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Stock Market for Beginners: 2 Books in 1
- A Complete Beginner’s Guide for the Stock Market Investing in the Best Way through Strategic Active and Passive Investing
- Auteur(s): Brian Scott Fitzgerald
- Narrateur(s): Tom Brooks
- Durée: 7 h et 51 min
- Version intégrale
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Au global
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Histoire
Whether you're a novice investor or trying to refine your strategies, this bundled book promises an incredible voyage into stock market investing. Each chapter brings you closer to financial freedom and realizing your dreams. Don't miss this opportunity to master the stock market and achieve financial independence.
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Stock Market for Beginners: 2 Books in 1
- A Complete Beginner’s Guide for the Stock Market Investing in the Best Way through Strategic Active and Passive Investing
- Narrateur(s): Tom Brooks
- Durée: 7 h et 51 min
- Date de publication: 2023-08-25
- Langue: Anglais
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Whether you're a novice investor or trying to refine your strategies, this bundled book promises an incredible voyage into stock market investing. Each chapter brings you closer to financial freedom and realizing your dreams....
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Real Estate Investment and Property Development
- A Complete Guide on Achieving Financial Freedom Through Real Estate Investing and Property Development for Beginners and Newcomers
- Auteur(s): Adrian Chester
- Narrateur(s): Kevin Key
- Durée: 3 h et 18 min
- Version intégrale
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Au global
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Performance
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Histoire
The unwаrу аnd under-arranged wіll bе сruѕhеd from thе mаrkеt - lеаvіng tаught, vіtаl fіnаnсіаl bасkеrѕ tо have thеіr grеаtеѕt decade yet. This cоmрlеtе guіdе tо prореrtу invеѕtmеnt gіvеѕ you thе knоwlеdgе, data, аnd асtіvіtу рlаn you need to explore thіѕ new рrореrtу ѕсеnе and рrоvе tо bе the best. It bеgіnѕ bу іlluѕtrаtіng - with gеnuіnе mоdеlѕ - a ѕсоре of tесhnіԛuеѕ to accomplish dіvеrѕе vеnturе оbjесtіvеѕ.
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Real Estate Investment and Property Development
- A Complete Guide on Achieving Financial Freedom Through Real Estate Investing and Property Development for Beginners and Newcomers
- Narrateur(s): Kevin Key
- Durée: 3 h et 18 min
- Date de publication: 2021-04-29
- Langue: Anglais
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The unwаrу аnd under-arranged wіll bе сruѕhеd from thе mаrkеt - lеаvіng tаught, vіtаl fіnаnсіаl bасkеrѕ tо have thеіr grеаtеѕt decade yet....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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99 Financial Terms Every Beginner, Entrepreneur & Business Should Know
- The Simple Guide to Financial Literacy, Financial Intelligence & Independence, Financial Freedom & Peace.
- Auteur(s): Thomas Herold
- Narrateur(s): William Bahl
- Durée: 7 h et 9 min
- Version intégrale
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Au global
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Whenever you hear someone speak personal finance, do you feel like you’re learning a foreign language? Do you feel lost when reading or hearing financial terminology from your bank, insurance, investment agent, or the IRS? You’re not alone! If you cannot comprehend basic financial concepts, such as interest compounding and financial risk diversification, you're paying higher transaction fees, you pile up unmanageable debts, and you also end up paying higher interest on loans.
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this guy is narrating is the worst I've come acros
- Écrit par Shane le 2022-04-08
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99 Financial Terms Every Beginner, Entrepreneur & Business Should Know
- The Simple Guide to Financial Literacy, Financial Intelligence & Independence, Financial Freedom & Peace.
- Narrateur(s): William Bahl
- Série: Financial IQ Series, Livre 1
- Durée: 7 h et 9 min
- Date de publication: 2019-05-22
- Langue: Anglais
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Whenever you hear someone speak personal finance, do you feel like you’re learning a foreign language? Do you feel lost when reading or hearing financial terminology from your bank, insurance, investment agent, or the IRS? You’re not alone....
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Invertir en Bolsa Para Principiantes [Investing in the Stock Market for Beginners]
- Cómo Darle Valor Al Dinero Invirtiendo en Acciones Y Todo Sobre Day Trading!: ¡Hazte Un Experto en La Bolsa De Valores! ... 101(Intradiario)
- Auteur(s): Vince Casale
- Narrateur(s): Jose Collazo
- Durée: 5 h et 54 min
- Version intégrale
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Au global
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Performance
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Histoire
Las pautas, estrategias y consejos que se incluyen aquí le enseñarán cómo no solo ingresar al mercado, sino también cómo trabajarlo como un profesional. Si durante mucho tiempo ha sentido curiosidad acerca de la riqueza que se puede obtener invirtiendo en acciones, este audiolibro le abre la puerta y le brinda una visión interna de cómo aprovechar el mercado para su beneficio. ¡Lo único que le impide obtener la vida que desea, es actuar hoy! Descárguelo ahora para que pueda comenzar un nuevo futuro en la inversión en bolsa.
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Invertir en Bolsa Para Principiantes [Investing in the Stock Market for Beginners]
- Cómo Darle Valor Al Dinero Invirtiendo en Acciones Y Todo Sobre Day Trading!: ¡Hazte Un Experto en La Bolsa De Valores! ... 101(Intradiario)
- Narrateur(s): Jose Collazo
- Durée: 5 h et 54 min
- Date de publication: 2020-12-11
- Langue: Espagnol
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Las pautas, estrategias y consejos que se incluyen aquí le enseñarán cómo no solo ingresar al mercado, sino también cómo trabajarlo como un profesional....
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Buy, Rehab, Rent Houses, Refinance, Repeat
- How to Create Passive Income, Make Money, Reach Financial Freedom with Real Estate Investing for Beginners and BRRRR Rental Properties Strategy Made Simple
- Auteur(s): Brandon Phillips
- Narrateur(s): Jim D. Johnston
- Durée: 3 h et 18 min
- Version intégrale
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Au global
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Performance
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Histoire
Even if you are a beginner in the real estate business, this book guides you, step by step, to avoid losses due to lack of experience, and answers all the questions that those who enter the investment of real estate can have, giving the most profitable solutions. If you are already an expert in this field, this book can give you interesting insights, refine your techniques, and explain the latest investment strategies for real estate, to be ahead of the competitors and maximize profit.
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Buy, Rehab, Rent Houses, Refinance, Repeat
- How to Create Passive Income, Make Money, Reach Financial Freedom with Real Estate Investing for Beginners and BRRRR Rental Properties Strategy Made Simple
- Narrateur(s): Jim D. Johnston
- Durée: 3 h et 18 min
- Date de publication: 2020-01-28
- Langue: Anglais
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Have you ever wanted to get started with real estate Investing through a step by step complete guide? Do you want to know a simple but effective rental properties strategy to maximize your return on investment and achieve financial freedom? Then keep reading...
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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7 Steps to Financial Freedom with Real Estate Investing
- A Foundational Guide for Beginners to Making Passive Income and Achieving Tremendous ROI
- Auteur(s): Dean Anderson
- Narrateur(s): Thomas Kincaid
- Durée: 3 h et 14 min
- Version intégrale
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Au global
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Histoire
In my youth, I never thought I could own any property, let alone more than one. When I started my real estate business, I had no idea what to do or where to begin. I didn’t even know there were so many paths to consider. I wish I had someone guided me through the beginning stages of learning how to get into real estate. Years later, I’m happy to provide the shortcuts I wish I had known to get started. Now I’m making the income I never thought I could, and I’m now financially free to work when and how I want. The only regret I’ve ever had is wishing I had started sooner.
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7 Steps to Financial Freedom with Real Estate Investing
- A Foundational Guide for Beginners to Making Passive Income and Achieving Tremendous ROI
- Narrateur(s): Thomas Kincaid
- Durée: 3 h et 14 min
- Date de publication: 2022-09-01
- Langue: Anglais
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In my youth, I never thought I could own any property, let alone more than one. Years later, I’m happy to provide the shortcuts I wish I had known to get started. Now I’m making the income I never thought I could, and I’m now financially free to work when and how I want....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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The Only Crypto Investing Book You'll Ever Need
- The Absolute Beginners Guide to Invest in Bitcoin, NFTs Non-Fungible Token, Crypto Art, Altcoin, Digital Real Estate and More
- Auteur(s): Chain Publications
- Narrateur(s): Greg Bond
- Durée: 4 h et 57 min
- Version intégrale
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Au global
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Performance
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Histoire
Go beyond the hype and discover the facts at the core of crypto. By choosing not to participate in crypto at all, you might be missing out on a life-changing opportunity. Blockchain technology is changing the way the world works, and this is only the beginning. You may feel like you missed the bus with crypto, but you still have a chance to get into it and reap the rewards.
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The Only Crypto Investing Book You'll Ever Need
- The Absolute Beginners Guide to Invest in Bitcoin, NFTs Non-Fungible Token, Crypto Art, Altcoin, Digital Real Estate and More
- Narrateur(s): Greg Bond
- Durée: 4 h et 57 min
- Date de publication: 2022-12-05
- Langue: Anglais
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Go beyond the hype and discover the facts at the core of crypto. By choosing not to participate in crypto at all, you might be missing out on a life-changing opportunity. Blockchain technology is changing the way the world works, and this is only the beginning....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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Digital Marketing for Business 2024
- Mastering the Digital Marketplace: The Beginners Guide to Make Money Online with Proven Strategies for Social Media and Affiliate Marketing Success
- Auteur(s): Maxwell Cyberstein
- Narrateur(s): Jason Belvill
- Durée: 13 h et 53 min
- Version intégrale
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Au global
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"Digital Marketing for Business 2024" is your ultimate guide to mastering the digital landscape and unlocking the potential to earn money and gain independence. Written by Maxwell Cyberstein, this book is packed with the latest strategies and insights to help you succeed in the ever-evolving world of digital marketing.
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Digital Marketing for Business 2024
- Mastering the Digital Marketplace: The Beginners Guide to Make Money Online with Proven Strategies for Social Media and Affiliate Marketing Success
- Narrateur(s): Jason Belvill
- Durée: 13 h et 53 min
- Date de publication: 2024-08-07
- Langue: Anglais
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"Digital Marketing for Business 2024" is your ultimate guide to mastering the digital landscape and unlocking the potential to earn money and gain independence.
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Prix courant: 31,27$ ou 1 crédit
Prix réduit: 31,27$ ou 1 crédit
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Manifesting: Beginners Guide
- Manifestation Strategies to Achieve Your Desires for Money, Love, Abundance, Happiness, and Success to Become Your Greatest Self
- Auteur(s): Olivia Clifford
- Narrateur(s): Emma Martin
- Durée: 1 h et 13 min
- Version intégrale
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Au global
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Manifestation: Beginner's Guide will teach you how to manifest money, love, abundance, happiness, and success in your life by harnessing the power of your subconscious mind and the laws of the universe.
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Great book!
- Écrit par Utilisateur anonyme le 2022-01-06
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Manifesting: Beginners Guide
- Manifestation Strategies to Achieve Your Desires for Money, Love, Abundance, Happiness, and Success to Become Your Greatest Self
- Narrateur(s): Emma Martin
- Durée: 1 h et 13 min
- Date de publication: 2021-07-08
- Langue: Anglais
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Manifestation: Beginner's Guide will teach you how to manifest money, love, abundance, happiness, and success in your life by harnessing the power of your subconscious mind and the laws of the universe....
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Prix courant: 13,12$ ou 1 crédit
Prix réduit: 13,12$ ou 1 crédit
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Blockchain: Beginners Bible
- Discover How Blockchain Could Enrich Your Life, Your Business & Your Cryptocurrency Wallet
- Auteur(s): Stephen Satoshi
- Narrateur(s): Douglas Thornton
- Durée: 1 h et 24 min
- Version intégrale
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Au global
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Histoire
If you're interested in what the future of government, finance, and banking will look like, or if you're looking for a blockchain book that isn't just a two-hour Bitcoin hype session, then you've come to the right place. Blockchain has been called the biggest technological innovation since the World Wide Web. However, the mainstream media isn't any good at telling you what blockchain actually is, or how it works. They'd rather just print misleading headlines and play five-second inaccurate soundbites on TV.
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Blockchain: Beginners Bible
- Discover How Blockchain Could Enrich Your Life, Your Business & Your Cryptocurrency Wallet
- Narrateur(s): Douglas Thornton
- Durée: 1 h et 24 min
- Date de publication: 2017-10-31
- Langue: Anglais
- If you're interested in what the future of government, finance, and banking will look like, or if you're looking for a blockchain book that isn't just a two-hour Bitcoin hype session, try this....
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Prix courant: 9,34$ ou 1 crédit
Prix réduit: 9,34$ ou 1 crédit
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Texas Tax Lien and Deed Investing Book
- Buying Real Estate Investment Property for Beginners
- Auteur(s): Brian Mahoney
- Narrateur(s): Brian Mahoney
- Durée: 1 h et 23 min
- Version intégrale
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Au global
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Performance
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Histoire
Imagine you can have the knowledge you want, to start your business and live the hassle free All-American lifestyle of independence, prosperity, and peace of mind.
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Texas Tax Lien and Deed Investing Book
- Buying Real Estate Investment Property for Beginners
- Narrateur(s): Brian Mahoney
- Durée: 1 h et 23 min
- Date de publication: 2023-10-20
- Langue: Anglais
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Imagine you can have the knowledge you want, to start your business and live the hassle free All-American lifestyle of independence, prosperity, and peace of mind....
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Prix courant: 8,71$ ou 1 crédit
Prix réduit: 8,71$ ou 1 crédit
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Cryptocurrency DeFI Guidebook: A Beginner-to-Expert Guide on Decentralized Finance
- DeFI and Blockchain, Borrow, Lend, Trade, Save, and Invest After Bitcoin and Ethereum in Peer-to-Peer Lending and Farming
- Auteur(s): Cameron Belford
- Narrateur(s): Jerry Wright
- Durée: 3 h et 58 min
- Version intégrale
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Au global
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Performance
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Histoire
Decentralized finance (DeFi) is a new way to borrow, lend, trade, save, and invest. It’s an open-source financial system that has no central authority or middlemen. The DeFi network has risen from zero to about $50 billion in value locked! Cameron Belfort brings his knowledge of the DeFi and cryptocurrency space to deliver an easy-to-understand, straight-to-the-point guide through the ecosystem. Cryptocurrency DeFI Guidebook: A Beginner to Expert Guide on Decentralized Finance is written for beginners who are yet to familiarize themselves with how DeFi works.
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Cryptocurrency DeFI Guidebook: A Beginner-to-Expert Guide on Decentralized Finance
- DeFI and Blockchain, Borrow, Lend, Trade, Save, and Invest After Bitcoin and Ethereum in Peer-to-Peer Lending and Farming
- Narrateur(s): Jerry Wright
- Durée: 3 h et 58 min
- Date de publication: 2021-10-25
- Langue: Anglais
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The beginners-to-expert guide on everything DeFi. Decentralized finance (DeFi) is a new way to borrow, lend, trade, save, and invest. It’s an open-source financial system that has no central authority or middlemen....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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A Beginner's Guide to the Best Investments in Stocks
- Step by Step Investing, Volume 1
- Auteur(s): Joseph Hogue
- Narrateur(s): Joseph Hogue
- Durée: 1 h et 18 min
- Version intégrale
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Au global
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Performance
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Histoire
This book is the first in a series of four, outlining a step-by-step process for a simple investing strategy. This book will get you started in what investing is really about and how to build an investing plan that's right for your goals.
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Great guide and resource.
- Écrit par Amazon Customer le 2018-08-16
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A Beginner's Guide to the Best Investments in Stocks
- Step by Step Investing, Volume 1
- Narrateur(s): Joseph Hogue
- Série: Step by Step Investing, Livre 1
- Durée: 1 h et 18 min
- Date de publication: 2016-02-11
- Langue: Anglais
- It was only when I got off Wall Street and onto main street that I realized the truth. Spend enough time with real investors and you realize they just want a simple investing strategy....
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Prix courant: 9,20$ ou 1 crédit
Prix réduit: 9,20$ ou 1 crédit
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Day Trading
- The Best Beginners Guide, Step by Step Techniques for Forex, Swing, Options Systems, Technical Analysis, High Probability Trading Strategies, Mistakes to Avoid to Make Immediate Cash
- Auteur(s): Matthew Stock
- Narrateur(s): Clark Scott
- Durée: 6 h et 36 min
- Version intégrale
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Au global
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Performance
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Histoire
Often, the motivation behind day trading is money. People want to be rich, and they are looking to take advantage of any opportunities that present themselves. Day trading can be an exciting endeavor to get started with. Many people like the idea that they can use this to earn money each day, and if they are good at doing their research, keeping the emotions out of the game, and they can be realistic with their goals, they are going to see some amazing results with profits and a full-time passive income.
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Day Trading
- The Best Beginners Guide, Step by Step Techniques for Forex, Swing, Options Systems, Technical Analysis, High Probability Trading Strategies, Mistakes to Avoid to Make Immediate Cash
- Narrateur(s): Clark Scott
- Durée: 6 h et 36 min
- Date de publication: 2020-11-13
- Langue: Anglais
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When you first get started with day trading, it can sometimes be a difficult task to start on. You need to know at least a little bit about the trading world, and you need to have a good idea about your tolerance for risk, enough capital on hand, and some realistic goals....
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Millionaire Mindset & Investing for Beginners 2023
- Cultivate Success and Build Lasting Wealth Through Index Funds, the Stock Market, Real Estate, Cryptocurrency, Bonds, Options Trading, and More
- Auteur(s): Daniel Parks
- Narrateur(s): Seven Acosta
- Durée: 3 h et 36 min
- Version intégrale
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Au global
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Performance
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Histoire
Investing and building a wealth mindset seem like a daunting task, but what if it could be made simple with just the right guidance? If you want to learn how to invest your money properly and cultivate success, then Millionaire Mindset & Investing for Beginners 2023 is the ultimate guide that will help you get to the root of the problem by changing your mindset, building self-discipline, and honing your investment skills!
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Millionaire Mindset & Investing for Beginners 2023
- Cultivate Success and Build Lasting Wealth Through Index Funds, the Stock Market, Real Estate, Cryptocurrency, Bonds, Options Trading, and More
- Narrateur(s): Seven Acosta
- Durée: 3 h et 36 min
- Date de publication: 2023-06-21
- Langue: Anglais
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If you want to learn how to invest your money properly and cultivate success, then Millionaire Mindset & Investing for Beginners 2023 is the ultimate guide that will help you get to the root of the problem by changing your mindset, building self-discipline, and honing your investment skills....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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