Real Options
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Digital Finance
- Security Tokens and Unlocking the Real Potential of Blockchain
- Auteur(s): Baxter Hines
- Narrateur(s): Peter Lerman
- Durée: 7 h et 26 min
- Version intégrale
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An essential look at technology and the future of finance from Baxter Hines, cofounder of Honeycomb Digital Investments.
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Comprehensive and an enjoyable listen
- Écrit par Utilisateur anonyme le 2021-11-26
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Digital Finance
- Security Tokens and Unlocking the Real Potential of Blockchain
- Narrateur(s): Peter Lerman
- Durée: 7 h et 26 min
- Date de publication: 2021-03-16
- Langue: Anglais
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An essential look at technology and the future of finance from Baxter Hines, cofounder of Honeycomb Digital Investments.
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Prix courant: 22,26$ ou 1 crédit
Prix réduit: 22,26$ ou 1 crédit
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Investing in Real Estate with Lease Options and "Subject-To" Deals
- Powerful Strategies for Getting More when You Sell and Paying Less When You Buy
- Auteur(s): Wendy Patton
- Narrateur(s): Wendy Patton
- Durée: 8 h et 43 min
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"With Lease Options and Subject-To deals, investors can control properties worth much more than what they could normally afford. These are two of the “little or no money down” type of techniques to invest in real estate. The potential for profit is great and the cost of getting started is low.
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Investing in Real Estate with Lease Options and "Subject-To" Deals
- Powerful Strategies for Getting More when You Sell and Paying Less When You Buy
- Narrateur(s): Wendy Patton
- Durée: 8 h et 43 min
- Date de publication: 2023-06-14
- Langue: Anglais
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"With Lease Options and Subject-To deals, investors can control properties worth much more than what they could normally afford. These are two of the “little or no money down” type of techniques to invest in real estate. The potential for profit is great and the cost of getting started is low.
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Investir pour les débutants [Investing for Beginners]
- Comment atteindre la liberté financière et accroître votre richesse grâce à l'immobilier, la bourse, les crypto-monnaies, les fonds indiciels, l'immobilier locatif, la negociation d'options, et plus encore [How to Achieve Financial Freedom and Grow Your Wealth Through Real Estate, Stock Market, Cryptocurrencies, Index Funds, Rental Real Estate, Options Trading, and More]
- Auteur(s): Greg Marty
- Narrateur(s): Greg Marty
- Durée: 1 h et 53 min
- Version intégrale
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Au global
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Vous avez enfin trouvé le livre audio qui vous expliquera tout ce que vous devez savoir sur l’investissement. La plupart des gens ne savent pas par où commencer lorsqu'il s'agit d'investir et ont peur de perdre leur argent. Nous savons à quel point l'investissement peut sembler une tâche ardue à première vue ; après tout, il y a des milliers et des milliers de livres audio écrits sur ce seul sujet!
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Investir pour les débutants [Investing for Beginners]
- Comment atteindre la liberté financière et accroître votre richesse grâce à l'immobilier, la bourse, les crypto-monnaies, les fonds indiciels, l'immobilier locatif, la negociation d'options, et plus encore [How to Achieve Financial Freedom and Grow Your Wealth Through Real Estate, Stock Market, Cryptocurrencies, Index Funds, Rental Real Estate, Options Trading, and More]
- Narrateur(s): Greg Marty
- Durée: 1 h et 53 min
- Date de publication: 2024-01-12
- Langue: Français
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Vous avez enfin trouvé le livre audio qui vous expliquera tout ce que vous devez savoir sur l’investissement. La plupart des gens ne savent pas par où commencer lorsqu'il s'agit d'investir et ont peur de perdre leur argent....
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Prix courant: 8,71$ ou 1 crédit
Prix réduit: 8,71$ ou 1 crédit
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Creative Cash
- The Complete Guide to Master Lease Options and Seller Financing for Investing in Real Estate
- Auteur(s): Bill Ham
- Narrateur(s): Bill Ham
- Durée: 4 h et 55 min
- Version intégrale
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Discover the best-kept secrets of the two creative, effective financing strategies other investors don’t want you to know about: master lease options and seller financing. Real estate investor Bill Ham used these strategies to buy his first 400 units without ever stepping into a bank or qualifying for a loan.
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General ideas to structure a deal
- Écrit par Brodie le 2023-05-25
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Creative Cash
- The Complete Guide to Master Lease Options and Seller Financing for Investing in Real Estate
- Narrateur(s): Bill Ham
- Durée: 4 h et 55 min
- Date de publication: 2021-04-06
- Langue: Anglais
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Let real estate investor Bill Ham show you how to close your next deal with little to no money down using the hottest strategies in real estate - leveraging other people’s money to come out ahead....
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Prix courant: 15,14$ ou 1 crédit
Prix réduit: 15,14$ ou 1 crédit
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Passive Income Investments
- Trading for a Living. How to Make Money with Swing and Day Trading Options, Dividend Paying Stocks, Penny Stocks, Forex, Real Estate (REITs), Bond Funds, and Crowdfunding
- Auteur(s): Blake Turner
- Narrateur(s): Blake Turner, Tèd Larson, Kathie Baldwin
- Durée: 20 h et 24 min
- Version intégrale
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Au global
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Performance
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Histoire
This audiobook was born with the idea of creating a crash course that could help a beginner avoid common mistakes and get a foot in the market without falling. It is not a secret that the best investors apply different techniques than those who are struggling. The audiobook aims to spread the right information and give a good overview of what works and what does not work when investing in the stock market.
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Passive Income Investments
- Trading for a Living. How to Make Money with Swing and Day Trading Options, Dividend Paying Stocks, Penny Stocks, Forex, Real Estate (REITs), Bond Funds, and Crowdfunding
- Narrateur(s): Blake Turner, Tèd Larson, Kathie Baldwin
- Durée: 20 h et 24 min
- Date de publication: 2022-06-03
- Langue: Anglais
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This audiobook was born with the idea of creating a crash course that could help a beginner avoid common mistakes and get a foot in the market without falling....
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Prix courant: 37,53$ ou 1 crédit
Prix réduit: 37,53$ ou 1 crédit
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Investing for Beginners 2023
- How to Achieve Financial Freedom and Grow Your Wealth Through Real Estate, the Stock Market, Cryptocurrency, Index Funds, Rental Property, Options Trading, and More.
- Auteur(s): Greg Marty
- Narrateur(s): Greg Marty
- Durée: 1 h et 45 min
- Version intégrale
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We know how overwhelming investing can seem at first glance; after all, there are thousands upon thousands of audiobooks on this topic alone! Not to mention, the stock market is unpredictable and can be a risky game for new investors. That's why we've condensed everything into an easy-to-follow guide that anyone from beginners to experts can understand. By following this guide, you will learn all the basics on how to invest in stocks, real estate, or any other investment vehicle that interests you, while learning strategies that have been proven time and time again.
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Investing for Beginners 2023
- How to Achieve Financial Freedom and Grow Your Wealth Through Real Estate, the Stock Market, Cryptocurrency, Index Funds, Rental Property, Options Trading, and More.
- Narrateur(s): Greg Marty
- Durée: 1 h et 45 min
- Date de publication: 2022-05-23
- Langue: Anglais
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We know how overwhelming investing can seem at first glance; after all, there are thousands upon thousands of audiobooks on this topic alone! Not to mention, the stock market is unpredictable and can be a risky game. That's why we've condensed everything into an easy-to-follow guide....
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Prix courant: 14,09$ ou 1 crédit
Prix réduit: 14,09$ 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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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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Financing Options
- For Real Estate Investments
- Auteur(s): Jeffery Roberson
- Narrateur(s): Benjamin Powell
- Durée: 43 min
- Version intégrale
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Welcome to “Financing Options for Real Estate Investments,” a book designed to provide you with critical information and guidance on the various financing options available in the ever-changing world of real estate. Understanding the complexities of financing is essential to your success, regardless of your level of experience in the real estate market. Real estate investments provide attractive options for wealth creation, passive income generation, and portfolio diversification. However, navigating the complex landscape of financing can be daunting without the right knowledge and strategies.
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Financing Options
- For Real Estate Investments
- Narrateur(s): Benjamin Powell
- Durée: 43 min
- Date de publication: 2024-01-30
- Langue: Anglais
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Welcome to “Financing Options for Real Estate Investments,” a book designed to provide you with critical information and guidance on the various financing options available in the ever-changing world of real estate....
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Prix courant: 4,95$ ou 1 crédit
Prix réduit: 4,95$ ou 1 crédit
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Passive Income Ideas: Passive Income Streams to Make You $1,000 to $10,000 per Month and Help You Achieve Financial Freedom
- Auteur(s): Richard James
- Narrateur(s): Gary Westphalen
- Durée: 1 h et 56 min
- Version intégrale
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This book goes into detail on how to start making money with the top passive income streams you can take action on right now - there are some tricks and techniques that aren’t even talked about but really work. Hence, if your goal is to become a millionaire or even a billionaire, then this book is for you! Likewise, if you simply want to earn some cash on the side, then this book is just as perfect! The income streams talked about in this book can make you as much or as little money you want to make on the side. With that said, you will get some great ideas out of this book.
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Passive Income Ideas: Passive Income Streams to Make You $1,000 to $10,000 per Month and Help You Achieve Financial Freedom
- Narrateur(s): Gary Westphalen
- Durée: 1 h et 56 min
- Date de publication: 2018-12-28
- Langue: Anglais
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This book goes into detail on how to start making money with the top passive income streams you can take action on right now - there are some tricks and techniques that aren’t even talked about but really work. Hence, if your goal is to become a millionaire, then this book is for you....
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Prix courant: 8,71$ ou 1 crédit
Prix réduit: 8,71$ ou 1 crédit
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Options Trading: A 21 Days Step by Step Guide to Invest like a Real Professional Options Trader
- Lessons Explained in Simple Terms, Money Management System, Psychology, Analysis, Secrets, and More!
- Auteur(s): Anthony Kreil
- Narrateur(s): Cliff Weldon
- Durée: 48 min
- Version intégrale
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If you want a career that will get you respect and earn you plenty of money, then you should become an options trader. Listen to this book and learn how to become a trader in 21 days. You will learn a lot of crucial lessons that will take you from a novice to a professional trader. As a trader, you require a solid background in finance. You need to learn as much as you can about stocks, bonds, the stock market, and other related topics. It is when you gain a solid foundation that you will now be able to grasp and understand options trading concepts.
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Options Trading: A 21 Days Step by Step Guide to Invest like a Real Professional Options Trader
- Lessons Explained in Simple Terms, Money Management System, Psychology, Analysis, Secrets, and More!
- Narrateur(s): Cliff Weldon
- Durée: 48 min
- Date de publication: 2020-05-30
- Langue: Anglais
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If you want a career that will get you respect and earn you plenty of money, then you should become an options trader. Listen to this book and learn how to become a trader in 21 days. You will learn a lot of crucial lessons that will take you from a novice to a professional trader....
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Prix courant: 4,95$ ou 1 crédit
Prix réduit: 4,95$ ou 1 crédit
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Buying Your First Home
- Tried and True Real Estate Tips for Finance Options, Closing Costs, and Building Equity to Master the Art of Homeownership
- Auteur(s): V J Dean
- Narrateur(s): Jonny Unitus
- Durée: 4 h et 24 min
- Version intégrale
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Au global
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Performance
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Histoire
Outsmart the competition and learn inside tricks to enable you to own property and secure your future. How much money do I need for the right deposit? What do I do in a bidding war? How can I spot red flags in a potential home? If you have questions like these about buying your first home, you aren't alone. Becoming a homeowner can be the most challenging, but most rewarding, thing you can do in your life. With prices high and money tight, 40% of new homeowners believe buying a home is the ‘most stressful event in modern life’.
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Buying Your First Home
- Tried and True Real Estate Tips for Finance Options, Closing Costs, and Building Equity to Master the Art of Homeownership
- Narrateur(s): Jonny Unitus
- Durée: 4 h et 24 min
- Date de publication: 2024-08-19
- Langue: Anglais
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Outsmart the competition and learn inside tricks to enable you to own property and secure your future.
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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Options Trading for Beginners
- Learn the Best Investment Strategies for Investing in Stock Options & Making Money Swing & Day Trading Options, Earn Real Income!
- Auteur(s): Vince Casale
- Narrateur(s): Matyas J.
- Durée: 3 h et 2 min
- Version intégrale
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Au global
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Histoire
If you’ve always had an interest in learning about options trading but didn’t know where to start, look no further. This audiobook will cover everything from the basics of options trading to how you can find a broker to help you get started. You will discover specific strategies for trading options and the type of people commonly found using these strategies. You’ve probably heard all the benefits of options trading before, and maybe you’ve even tried making your first trade already.
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Options Trading for Beginners
- Learn the Best Investment Strategies for Investing in Stock Options & Making Money Swing & Day Trading Options, Earn Real Income!
- Narrateur(s): Matyas J.
- Durée: 3 h et 2 min
- Date de publication: 2019-02-20
- Langue: Anglais
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If you’ve always had an interest in learning about options trading but didn’t know where to start, look no further. This audiobook will cover everything from the basics of options trading to how you can find a broker to help you get started....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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Options Trading
- The Beginner's Guide for Options Trading to Learn Strategies and Techniques, Making Money in Few Weeks. You Will Find Inside the A-Z Glossary to All Technical Terms Used
- Auteur(s): Nathan Real
- Narrateur(s): Lee Strayer
- Durée: 3 h et 2 min
- Version intégrale
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Au global
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Performance
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Options trading is a very lucrative form of investment. It is one of the best ways through which you can grow your investment portfolio. Whether you are a small trader or an experienced investor, trading in options offers you great leverage compared to other investment tools. If you want to become a successful options trader, you must always seek to understand every aspect of the options market.
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Options Trading
- The Beginner's Guide for Options Trading to Learn Strategies and Techniques, Making Money in Few Weeks. You Will Find Inside the A-Z Glossary to All Technical Terms Used
- Narrateur(s): Lee Strayer
- Durée: 3 h et 2 min
- Date de publication: 2020-04-29
- Langue: Anglais
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Options trading is a very lucrative form of investment. It is one of the best ways through which you can grow your investment portfolio. Whether you are a small trader or an experienced investor, trading in options offers you great leverage compared to other investment tools....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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Day Trading: A 21 Days Step by Step Guide to Invest Like a Real Professional Day Trader
- Analysis of the Stock Market Using Options, Forex, Stocks - Psychology - Discipline - Tools and More!
- Auteur(s): Anthony Kreil
- Narrateur(s): Cliff Weldon
- Durée: 50 min
- Version intégrale
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Au global
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Performance
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Histoire
Do you want to become a day trader, but you're just not sure what kind of steps you should take to get started? Then, look no further. That's exactly what this book is here for. This book is broken down into a 21-day guide that will help you take those steps to beginning a new lifelong career. The great thing is that you can take as long as you want on each step before moving onto the next. Even though the book was written to help you become a good day trader in only 21 days, if you feel you need to take a few extra days on any particular step, that is perfectly okay.
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Day Trading: A 21 Days Step by Step Guide to Invest Like a Real Professional Day Trader
- Analysis of the Stock Market Using Options, Forex, Stocks - Psychology - Discipline - Tools and More!
- Narrateur(s): Cliff Weldon
- Durée: 50 min
- Date de publication: 2020-05-30
- Langue: Anglais
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Do you want to become a day trader, but you're just not sure what kind of steps you should take to get started? Then, look no further. That's exactly what this book is here for. This book is broken down into a 21-day guide that will help you take those steps....
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Prix courant: 4,95$ ou 1 crédit
Prix réduit: 4,95$ ou 1 crédit
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Day Trading
- 10 Best Beginners Strategies to Start Trading Like a pro and Control Your Emotions in Stock, Penny Stock, Real Estate, Options Trading, Forex, Cryptocurrencies, Futures, Swing Trading 2019
- Auteur(s): Mark Graham
- Narrateur(s): Cliff Weldon
- Durée: 4 h et 9 min
- Version intégrale
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Au global
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Performance
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Histoire
This audiobook was born from the idea to create a crash course that could help a beginner avoid common mistakes and get the foot on the market without falling. It is not a secret that the best investors apply different techniques than those who are struggling. The aim of the audiobook is to spread the right information and to give a proper overview of what works and what does not work when investing in the stock market.
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Day Trading
- 10 Best Beginners Strategies to Start Trading Like a pro and Control Your Emotions in Stock, Penny Stock, Real Estate, Options Trading, Forex, Cryptocurrencies, Futures, Swing Trading 2019
- Narrateur(s): Cliff Weldon
- Durée: 4 h et 9 min
- Date de publication: 2019-04-15
- Langue: Anglais
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This audiobook was born from the idea to create a crash course that could help a beginner avoid common mistakes and get the foot on the market without falling. It is not a secret that the best investors apply different techniques than those who are struggling....
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Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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The Smartest Kids Know Their Options
- School Alternatives for Success in the Real World
- Auteur(s): Kytka Hilmar-Jezek
- Narrateur(s): Claire Cunningham
- Durée: 7 h et 11 min
- Version intégrale
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The Smartest Kids Know Their Options: School Alternatives for Success in the Real World empowers parents, educators, and policymakers to make informed decisions about the education of children. It offers valuable insights into the flaws of the current system and presents a wide range of alternatives that prioritize individualized learning, holistic development, and parental involvement.
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The Smartest Kids Know Their Options
- School Alternatives for Success in the Real World
- Narrateur(s): Claire Cunningham
- Durée: 7 h et 11 min
- Date de publication: 2023-08-02
- Langue: Anglais
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The Smartest Kids Know Their Options: School Alternatives for Success in the Real World empowers parents, educators, and policymakers to make informed decisions about the education of children....
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Prix courant: 25,00$ ou 1 crédit
Prix réduit: 25,00$ ou 1 crédit
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Acquiring Rental Property: Learning Your Options for Starting Your Investment Portfolio
- Real Estate Knowledge Series, Book 2
- Auteur(s): C.R. Wesley
- Narrateur(s): Eva R-Marienchild
- Durée: 1 h et 34 min
- Version intégrale
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Au global
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Performance
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Histoire
Let us help you make your learning more efficient and effective. What will you get from this series from C.R. Wesley? Convenience. Efficiency. Information. Knowledge. Action. In this secondary literature in the Real Estate Knowledge Series, we will now become investors! You have previously learned how to acquire your first home with down payment assistance and now it is time for your second property!
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Acquiring Rental Property: Learning Your Options for Starting Your Investment Portfolio
- Real Estate Knowledge Series, Book 2
- Narrateur(s): Eva R-Marienchild
- Série: Real Estate Knowledge Series, Livre 2
- Durée: 1 h et 34 min
- Date de publication: 2021-01-12
- Langue: Anglais
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Let us help you make your learning more efficient and effective. What will you get from this series from C.R. Wesley? Convenience. Efficiency. Information. Knowledge. Action. In this secondary literature in the Real Estate Knowledge Series, we will now become investors....
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Prix courant: 7,02$ ou 1 crédit
Prix réduit: 7,02$ ou 1 crédit
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Investing
- Ultimate Finance Guide for Real Estate Rental Income, Stock Market, Bonds, Options, Forex, Mutual Funds, Commodities, Futures Trading, and Build a Passive Income Business Portfolio
- Auteur(s): William Turner, Brandon Bogle
- Narrateur(s): Derik Hendrickson
- Durée: 3 h et 28 min
- Version intégrale
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Au global
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Performance
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Histoire
It is important to understand that investing is no longer a strategy that is reserved for the elite and wealthy. Instead, it is a smart and necessary strategy for anyone who desires to have any form of financial stability in their life. What if I told you that by the end of this audiobook, you'll know the specific steps to take in order to become an expert investor and to grow your income to where you want it to be?
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Investing
- Ultimate Finance Guide for Real Estate Rental Income, Stock Market, Bonds, Options, Forex, Mutual Funds, Commodities, Futures Trading, and Build a Passive Income Business Portfolio
- Narrateur(s): Derik Hendrickson
- Durée: 3 h et 28 min
- Date de publication: 2019-01-09
- Langue: Anglais
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It is important to understand that investing is no longer a strategy that is reserved for the elite and wealthy. Instead, it is a smart and necessary strategy for anyone who desires to have any form of financial stability in their life....
Échec de l'ajout au panier.
Veuillez réessayer plus tardÉchec de l'ajout à la liste d'envies.
Veuillez réessayer plus tardÉchec de la suppression de la liste d’envies.
Veuillez réessayer plus tardÉchec du suivi du balado
Ne plus suivre le balado a échoué
Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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Investing: Make Money by Investing in Stock Market, Real Estate Rental Property, Bonds, Options, Cryptocurrency and Build Passive Income Business Portfolio
- Auteur(s): Brandon Hagstrom, Robert Turner
- Narrateur(s): RJ Malyk
- Durée: 3 h et 1 min
- Version intégrale
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Au global
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Performance
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Histoire
The best way for beginners to learn how to invest in their future is by harnessing the power of this guide. This guide is more than just theory. It will tell you how to grow your investments into a healthy nest egg for a comfortable retirement.
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Investing: Make Money by Investing in Stock Market, Real Estate Rental Property, Bonds, Options, Cryptocurrency and Build Passive Income Business Portfolio
- Narrateur(s): RJ Malyk
- Durée: 3 h et 1 min
- Date de publication: 2018-10-26
- Langue: Anglais
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The best way for beginners to learn how to invest in their future is by harnessing the power of this guide. This guide is more than just theory. It will tell you how to grow your investments into a healthy nest egg for a comfortable retirement....
Échec de l'ajout au panier.
Veuillez réessayer plus tardÉchec de l'ajout à la liste d'envies.
Veuillez réessayer plus tardÉchec de la suppression de la liste d’envies.
Veuillez réessayer plus tardÉchec du suivi du balado
Ne plus suivre le balado a échoué
Prix courant: 18,74$ ou 1 crédit
Prix réduit: 18,74$ ou 1 crédit
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Investing for Beginners 2023
- Grow Your Wealth, Beat Inflation, and Achieve Financial Freedom Through Index Funds, the Stock Market, Real Estate, Cryptocurrency, Options Trading, and More
- Auteur(s): Daniel Parks
- Narrateur(s): Seven Acosta
- Durée: 1 h et 47 min
- Version intégrale
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Au global
-
Performance
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Histoire
This book breaks down the basics of investing and related concepts into easily digestible terms, providing you with the knowledge and confidence to take control of your financial future.
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Investing for Beginners 2023
- Grow Your Wealth, Beat Inflation, and Achieve Financial Freedom Through Index Funds, the Stock Market, Real Estate, Cryptocurrency, Options Trading, and More
- Narrateur(s): Seven Acosta
- Durée: 1 h et 47 min
- Date de publication: 2023-06-21
- Langue: Anglais
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This book breaks down the basics of investing and related concepts into easily digestible terms, providing you with the knowledge and confidence to take control of your financial future....
Échec de l'ajout au panier.
Veuillez réessayer plus tardÉchec de l'ajout à la liste d'envies.
Veuillez réessayer plus tardÉchec de la suppression de la liste d’envies.
Veuillez réessayer plus tardÉchec du suivi du balado
Ne plus suivre le balado a échoué
Prix courant: 14,09$ ou 1 crédit
Prix réduit: 14,09$ ou 1 crédit
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