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| apple card insufficient credit history: Fintech Explained Michael R. King, 2023-10-02 Fintech Explained provides a rigorous, accessible introduction to the landscape of fintech. Michael R. King explains the customer focus, innovation strategy, business model, and valuation of leading fintechs in cryptocurrencies and decentralized finance (DeFi), crowdfunding and online lending, robo-advice and digital wealth management, payments and insurtech, digital banking, and bigtech. The book profiles the successes and failures of over thirty high-profile fintechs, combining insights from founders, early-stage investors, financial incumbents, and other stakeholders in this dynamic ecosystem. Combining clear descriptions and case studies with the latest findings from academic research, Fintech Explained provides a complete course for educating undergraduate and graduate students, executives, and interested professionals. |
| apple card insufficient credit history: The Brutality of Tyrants Dr. M.E. Fayad PHD, In The Brutality of Tyrants, Dr. Mohamed Fayad recounts his journey through systemic injustice, racism, and corruption that profoundly impacted both his personal and professional life. His story extends beyond individual experiences, revealing public issues affecting millions of American citizens today. Dr. Fayad’s experiences within academia, healthcare, and financial institutions illustrate how individuals and systems have not only marginalized him but continue to suppress countless others. Facing deliberate negligence, exclusion, and even threats to his life, Dr. Fayad’s narrative highlights the devastating impact of institutional oppression on everyday citizens. This book is not intended to offend any person, institution, group, political party, government, or country. Rather, it is Dr. Fayad’s means of reporting his own experiences, with the hope that recounting these injustices will prevent them from happening to others. His account critiques the failure of justice in America, particularly for marginalized individuals, and underscores the urgent need for reforms across multiple sectors within the nation. The Brutality of Tyrants serves as both a personal memoir and a broader critique of institutional oppression, issuing a strong call for accountability and change in what Dr. Fayad describes as one of the greatest nations on Earth. Through his narrative, he urges readers to confront the corruption and inequality that persist in America, hoping to inspire a collective push toward a fairer, more transparent system for all. |
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| apple card insufficient credit history: The 2021 Yearbook of the Digital Ethics Lab Jakob Mökander, Marta Ziosi, 2022-11-07 This annual edited volume explores a wide range of topics in digital ethics and governance. Included are chapters that: analyze the opportunities and ethical challenges posed by digital innovation; delineate new approaches to solve them; and offer concrete guidance on how to govern emerging technologies. The contributors are all members of the Digital Ethics Lab (the DELab) at the Oxford Internet Institute, a research environment that draws on a wide range of academic traditions. Collectively, the chapters of this book illustrate how the field of digital ethics - whether understood as an academic discipline or an area of practice - is undergoing a process of maturation. Most importantly, the focus of the discourse concerning how to design and use digital technologies is increasingly shifting from ‘soft ethics’ to ‘hard governance’. Then, there is the trend in the ongoing shift from ‘what’ to ‘how’, whereby abstract or ad-hoc approaches to AI governance are giving way to more concrete and systematic solutions. The maturation of the field of digital ethics has, as this book attempts to show, been both accelerated and illustrated by a series of recent events. This text thereby takes an important step towards defining and implementing feasible and effective approaches to digital governance. It appeals to students, researchers and professionals in the field. |
| apple card insufficient credit history: Fintech and Sustainability Thomas Walker, Harry J. Turtle, Maher Kooli, Elaheh Nikbakht, 2024-01-08 Fintech can improve sustainability, influence policies, and require new regulations. Climate change, water pollution, and non-renewable resources management can all be addressed with fintech innovations. Despite the advantages offered by fintech, opponents warn of potential negative consequences. The application of fintech in sustainability is a double-edged sword requiring further investigation. This book provides an overview of fintech applications and considers their impact on the future of sustainable finance. It explores how financial technologies can enhance the sustainability of investment and corporate decisions and contribute to the fulfillment of the Sustainable Development Goals (SDGs). By considering practitioner and academic views, it examines whether and how fintech can improve sustainable practices, potential threats with possible solutions, and policies and regulations designed to improve sustainability benefits. |
| apple card insufficient credit history: Financial Advice for Blue-Collar America Kathryn Hauer, 2016-06-26 Sound financial behavior involves spending less than you earn, saving money for the future, managing the risks of life with the right amount of insurance, legally minimizing taxes, and investing the money you save wisely. Financial information like this applies to everyone; however, this book speaks to current and future blue-collar workers and their unique financial concerns. |
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| apple card insufficient credit history: Destitute Rosemary Thornfield, 2013 What would you do if you were in trouble? Where would you go if you lost everything you owned and everyone whom you loved? Elizabeth was a small-town girl who went to New York City to study law. She proved to be talented, and after she got her degree, she got a great job with a prestigious firm in the Financial District. Success brought money, money brought many friends, and friends meant a lot of socialization. And, unfortunately, this led to the breakdown of her work ethic. When tragedy struck, there was nothing to fall back on. Will Elizabeth lose everything and everyone she loves? Read Destitute by Rosemary Thornfield to find out. |
| apple card insufficient credit history: Artificial Intelligence Basics Tom Taulli, 2019-08-01 Artificial intelligence touches nearly every part of your day. While you may initially assume that technology such as smart speakers and digital assistants are the extent of it, AI has in fact rapidly become a general-purpose technology, reverberating across industries including transportation, healthcare, financial services, and many more. In our modern era, an understanding of AI and its possibilities for your organization is essential for growth and success. Artificial Intelligence Basics has arrived to equip you with a fundamental, timely grasp of AI and its impact. Author Tom Taulli provides an engaging, non-technical introduction to important concepts such as machine learning, deep learning, natural language processing (NLP), robotics, and more. In addition to guiding you through real-world case studies and practical implementation steps, Taulli uses his expertise to expand on the bigger questions that surround AI. These include societal trends, ethics, and future impact AI will have on world governments, company structures, and daily life. Google, Amazon, Facebook, and similar tech giants are far from the only organizations on which artificial intelligence has had—and will continue to have—an incredibly significant result. AI is the present and the future of your business as well as your home life. Strengthening your prowess on the subject will prove invaluable to your preparation for the future of tech, and Artificial Intelligence Basics is the indispensable guide that you’ve been seeking. What You Will Learn Study the core principles for AI approaches such as machine learning, deep learning, and NLP (Natural Language Processing)Discover the best practices to successfully implement AI by examining case studies including Uber, Facebook, Waymo, UiPath, and Stitch FixUnderstand how AI capabilities for robots can improve businessDeploy chatbots and Robotic Processing Automation (RPA) to save costs and improve customer serviceAvoid costly gotchasRecognize ethical concerns and other risk factors of using artificial intelligenceExamine the secular trends and how they may impact your business Who This Book Is For Readers without a technical background, such as managers, looking to understand AI to evaluate solutions. |
| apple card insufficient credit history: Data Science Ethics David Martens, 2022-03-24 Data science ethics is all about what is right and wrong when conducting data science. Data science has so far been primarily used for positive outcomes for businesses and society. However, just as with any technology, data science has also come with some negative consequences: an increase of privacy invasion, data-driven discrimination against sensitive groups, and decision making by complex models without explanations. While data scientists and business managers are not inherently unethical, they are not trained to weigh the ethical considerations that come from their work - Data Science Ethics addresses this increasingly significant gap and highlights different concepts and techniques that aid understanding, ranging from k-anonymity and differential privacy to homomorphic encryption and zero-knowledge proofs to address privacy concerns, techniques to remove discrimination against sensitive groups, and various explainable AI techniques. Real-life cautionary tales further illustrate the importance and potential impact of data science ethics, including tales of racist bots, search censoring, government backdoors, and face recognition. The book is punctuated with structured exercises that provide hypothetical scenarios and ethical dilemmas for reflection that teach readers how to balance the ethical concerns and the utility of data. |
| apple card insufficient credit history: Changing Face of Money Barbara Ann Good, 2014-01-21 Although the cashless society has been predicted for at least twenty years, the new forms of card-based and software based electronic money may prove to be a partial alternative to the current forms of payment. This study examines these emerging electronic money systems and their possible adoption, primarily in the United States. |
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| apple card insufficient credit history: Broke Millennial Erin Lowry, 2017-05-02 WASHINGTON POST “COLOR OF MONEY” BOOK CLUB PICK Stop Living Paycheck to Paycheck and Get Your Financial Life Together (#GYFLT)! If you’re a cash-strapped 20- or 30-something, it’s easy to get freaked out by finances. But you’re not doomed to spend your life drowning in debt or mystified by money. It’s time to stop scraping by and take control of your money and your life with this savvy and smart guide. Broke Millennial shows step-by-step how to go from flat-broke to financial badass. Unlike most personal finance books out there, it doesn’t just cover boring stuff like credit card debt, investing, and dealing with the dreaded “B” word (budgeting). Financial expert Erin Lowry goes beyond the basics to tackle tricky money matters and situations most of us face #IRL, including: - Understanding your relationship with moolah: do you treat it like a Tinder date or marriage material? - Managing student loans without having a full-on panic attack - What to do when you’re out with your crew and can’t afford to split the bill evenly - How to get “financially naked” with your partner and find out his or her “number” (debt number, of course) . . . and much more. Packed with refreshingly simple advice and hilarious true stories, Broke Millennial is the essential roadmap every financially clueless millennial needs to become a money master. So what are you waiting for? Let’s #GYFLT! |
| apple card insufficient credit history: No Ordinary Apple Sara Marlowe, 2013-05-20 On an otherwise ordinary day, Elliot discovers something extraordinary: the power of mindfulness. When he asks his neighbor Carmen for a snack, he's at first disappointed when she hands him an apple - he wanted candy! But when encouraged to carefully and attentively look, feel, smell, taste, and even listen to the apple, Elliot discovers that this apple is not ordinary at all. Lushly and humorously illustrated, No Ordinary Apple makes a traditional technique for training mindfulness a fun and enjoyable way for children to learn to slow down and appreciate even the simplest things. |
| apple card insufficient credit history: Now You See Me ... (Poison Apple #4) Jane B. Mason, Sarah Hines-Stephens, 2011-07-01 This book has bite . . . When Lena and her best friend Abby find an old Polaroid camera, they never suspect that a creepy ghost story is about to develop!Best friends Lena and Abby love searching through thrift stores for lost treasures. When they find an old Polaroid camera, they can't wait to try it out. But the photos that develop are troubling -- things that weren't really there appear in the pictures. Creepiest of all is the image of a boy, dark and angry looking. He shows up, over and over, clearer each time. Can the girls discover what the ghost boy wants -- before it's too late? |
| apple card insufficient credit history: Appillionaires Chris Stevens, 2011-09-15 Turn your app ideas into a money-making goldmine More than 10 billion apps have been downloaded from Apple's AppStore and with the right combination of original ideas, great features, solid coding, unique designs, and savvy marketing, your apps could be a part of that staggering number. This book shows you how to turn your ideas into profit-making success stories. Citing a fascinating array of real-world examples, this useful book invites you to meet the rich and famous of the app development world. You'll look behind the scenes of these successful visionaries to learn their secrets first hand and discover how these bedroom coders became overnight millionaires. Serves as a must-have introduction to the fascinating, cutting-edge world of app design, where innovation reaps reward Shows you how to structure your app development process based on the Appillionaires who made their fortune Explores what works and what doesn't with regards to getting your app featured and enticing buyers Looks at successful apps such as Angry Birds, Cut the Rope, Fruit Ninja, and many others that have taken the app world by storm If you were unaware of the potential to make money from selling your apps, then app-arently, you really need this book! |
| apple card insufficient credit history: Rich Dad's Advisors®: The ABC's of Getting Out of Debt Garrett Sutton, 2007-11-01 The ABC's of Getting Out of Debt illustrates how to: * Beat the Lenders at Their Own Game * Understand Your Credit Report * Repair Your Own Credit * Master the Psychology of Debt * Deal with Debt Collectors * Avoid Credit Scams * Win with Good Debt * Take Charge of Your Finances Garrett's book reveals how each piece of real estate you own is a business involving all sections of Rich Dad's B-I Triangle. The B-I Triangle is from Rich Dad's Guide to Investing. Look for other Advisors to complete the B-I Triangle. |
| apple card insufficient credit history: The May Day Murders Sequel Scott Wittenburg, 2016-12-03 The killer is back with a vengeance. A decade has passed since his murder conviction but now he's escaped prison, his whereabouts unknown. In the meantime, Sam Middleton struggles to cope with his wife's recent death, certain that the killer is to blame. Could his daughter's family be next? While Sam is in London doing a book promotion, Inspector Clive Hogarth is in pursuit of a serial rapist that's been plaguing the City. Can Hogarth piece everything together before Sam's whole world comes crashing down? |
| apple card insufficient credit history: 100 Questions Every First-Time Home Buyer Should Ask Ilyce R. Glink, 2014-11-26 From the most trusted name in real estate: the indispensable guide that helps first-time buyers land the home of their dreams. Now revised and updated for today's marketplace. ¸ How do I know if my broker is doing a good job? (See question #18.) ¸ How should I decide how much to offer for a home? (See question #29.) ¸ How does the negotiation process work? (See question #37.) ¸ How much of a down payment will I need to buy my home? (See question #61.) ¸ What are the different types of mortgages available? (See question #75.) ¸ What if I'm rejected for my loan? (See question #86.) ¸ What exactly is the closing? And where is it held? (See question #89.) ¸ Will I need homeowner's insurance? What should it cover? (See question #93.) What's new in this edition? Internet resources for home buyers: Where to shop for a loan on the web, how to apply online for a mortgage, and how to contact the agency that regulates real estate brokers and mortgage lenders in your state Tax laws and what they mean to you: Why the Taxpayer Relief Act is a windfall for homeowners, and how you can take full advantage of it Buying new construction: How to compare developers and negotiate the best deal The competitive mortgage market: How to find a reputable lender, how to find a true zero-down loan, and what service premiums tell you about your loan |
| apple card insufficient credit history: Ultimate First Time Home Buyer Guide Gerald Tribuzio, 2013-02 In today's real estate market, the road to homeownership is a tough one and you can't afford to make a wrong move and ruin your chances of achieving the American dream of owning a home. The Ultimate First Time Home Buyer Guide will tell you why owning a home is better than renting, what exact steps you need to take in buying your first home, how to qualify for the best zero to low down payment programs, which first time home buyer programs are best for you, how to apply for the program, what creative financing options are available, how to improve your credit and increase your credit scores, why foreclosures and short sales are great deals, what are some of the pitfalls to avoid, and tips to improve your chances of getting approved for the first time home buyer program. Buying a home is difficult today but if you make a decision to do whatever it takes to own a home then you will soon experience the joy of being a homeowner. |
| apple card insufficient credit history: Advancements in Cybercrime Investigation and Digital Forensics A. Harisha, Amarnath Mishra, Chandra Singh, 2023-10-06 Vast manpower and resources are needed to investigate cybercrimes. The use of new advanced technologies, such as machine learning combined with automation, are effective in providing significant additional support in prevention of cyber-attacks, in the speedy recovery of data, and in reducing human error. This new volume offers a comprehensive study of the advances that have been made in cybercrime investigations and digital forensics, highlighting the most up-to-date tools that help to mitigate cyber-attacks and to extract digital evidence for forensic investigations to recover lost, purposefully deleted, or damaged files. The chapters look at technological cybersecurity tools such as artificial intelligence, machine learning, data mining, and others for mitigation and investigation. |
| apple card insufficient credit history: Weapons of Math Destruction Cathy O'Neil, 2016 A former Wall Street quantitative analyst sounds an alarm on mathematical modeling, a pervasive new force in society that threatens to undermine democracy and widen inequality,--NoveList. |
| apple card insufficient credit history: Marketing Communication Richard J. Varey, 2002 Providing a fresh and innovative framework for the management of marketing communication processes, this textbook shifts the focus from message-making to relationship-building, focusing on a planned, integrated marketing communication programme. |
| apple card insufficient credit history: Responsible Data Science Grant Fleming, Peter C. Bruce, 2021-04-21 Explore the most serious prevalent ethical issues in data science with this insightful new resource The increasing popularity of data science has resulted in numerous well-publicized cases of bias, injustice, and discrimination. The widespread deployment of “Black box” algorithms that are difficult or impossible to understand and explain, even for their developers, is a primary source of these unanticipated harms, making modern techniques and methods for manipulating large data sets seem sinister, even dangerous. When put in the hands of authoritarian governments, these algorithms have enabled suppression of political dissent and persecution of minorities. To prevent these harms, data scientists everywhere must come to understand how the algorithms that they build and deploy may harm certain groups or be unfair. Responsible Data Science delivers a comprehensive, practical treatment of how to implement data science solutions in an even-handed and ethical manner that minimizes the risk of undue harm to vulnerable members of society. Both data science practitioners and managers of analytics teams will learn how to: Improve model transparency, even for black box models Diagnose bias and unfairness within models using multiple metrics Audit projects to ensure fairness and minimize the possibility of unintended harm Perfect for data science practitioners, Responsible Data Science will also earn a spot on the bookshelves of technically inclined managers, software developers, and statisticians. |
| apple card insufficient credit history: Influential Internal Communication Jenni Field, 2021-04-03 Streamline your organization's communication for happier employees, clients and customers, with this powerful and practical methodology featuring insight from experts Simon Sinek and Brené Brown. As the title suggests, Influential Internal Communication proves just how influential internal communications (IC) is, and the measurable impact it has on an organization's growth. For many organizations, IC often slips down the list of priorities when there are high pressure, high stakes business situations to cope with. This causes a sense of chaos and confusion within the organization that will - eventually - permeate to external customers and clients. Influential Internal Communication presents a clear, adaptable methodology that will help readers understand, diagnose and fix their own communication challenges, thereby transforming the chaos into calm. Backed up with data and statistics from industry reports on workplace culture, Influential Internal Communication is based on The Field Model and draws on research with CEO's, some of the best insights into people, organisations and chaos. The theory is backed up with real world case studies, showing how chaos can impact a range of organizations of varying size and industry. Written by the 2020 President of the Chartered Institute of Public Relations (CIPR), Influential Internal Communication will streamline any organization's IC practices, and help to drive engagement, efficiency and profit across the board. |
| apple card insufficient credit history: Simplicity Marketing Steven M. Cristol, Peter Sealey, 2001-03-11 For more than half a century, marketers have bombarded customers with more and more choices in products and services. What is the result? Unprecedented anxiety. Our mental circuit breakers are on overload. In fact, pioneering brand strategists Steven M. Cristol and Peter Sealey assert that we have reached our manageable threshold for making decisions -- and a watershed in product proliferation. In this pathbreaking book, the authors argue with compelling evidence that the next generation of marketing successes will belong to those brands that simplify customers' lives or businesses in ways that are inextricably tied to brand and product positioning. They contend that if a brand is not reducing customer stress, it is creating it -- and it is vulnerable to losing market share to more customer-empathetic competitors. Writing especially for product or brand managers who are struggling to simplify their portfolios, Cristol and Sealey have created a breakthrough framework that is itself a lesson in simplicity. After presenting two essential guideposts for managers to assess where their brand sits on the stress spectrum, the authors turn to the heart of Simplicity Marketing -- the 4 R's of simplification: Replace, Repackage, Reposition, and Replenish. Using scores of real-world company examples, Cristol and Sealey show how each of the 4 R's interacts with the others in powerful ways to relieve customer stress and how these strategies may be executed individually or in combination to build brand loyalty. Here for the first time are ten specific strategies to relieve customer stress through consolidating, aggregating, or integrating products and services, repositioning brands for more relevance to stress reduction, and decluttering customers' decision-making requirements. The final pages of this brilliant manifesto for a simplicity revolution provide a guide to managing simplicity strategies, leveraging information technology to simplify rather than complicate customers' lives, and integrating all the tools in the book into an executional blueprint. |
| apple card insufficient credit history: Research Handbook on Digital Trade David Collins, Michael Geist, 2023-10-06 This comprehensive Research Handbook analyzes the impact of the rapid growth of digital trade on businesses, consumers, and regulators. Leading experts provide theoretical and practical insight into how to manage the legal and policy challenges of the global digital economy. |
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| apple card insufficient credit history: Action Has No Season 2.0 Michael V Roberts JD, 2019-10-07 Widely acclaimed as one of America’s leading and most influential businessmen, Dr. Michael V. Roberts, Sr. returns with his innovative follow-up to the International Best-seller Action Has No Season: Strategies and Secrets to Gaining Wealth & Authority. The widening gap between people who take Action in their life and business to create generational wealth and people who are not taking Action means dealing with one very distressing truth: If you’re not running your own sustainable business, you’re not living an abundant life and enjoying the fruits of your labor. The global economic business market is radically evolving thanks to science, technology, engineering, and new forms of currency exchange. This means massive opportunities for the entrepreneur who wants to become wildly successful and incredibly wealthy. In this eye-opening book, prominent businessman and international best-selling author Dr. Michael V. Roberts, Sr. reveals the phenomenon that Actionaires are the players who are taking advantage of global opportunities in the fields of social media business applications, cyber security, blockchain utilization, Cryptocurrency emergence, Artificial Intelligence, and Machine Learning to name a few, and they are applying these global opportunities to achieve their goals. Meanwhile, those who have not yet discovered the Actionaire inside of them haven’t yet committed to the full understanding of how to make the most out of every moment in their life and fulfill that opportunity to its fullest extension. Nearly every industry has incorporated advanced Science and Technology and you must be prepared to make the shift and develop the possibilities within your environment. With Action Has No Season 2.0, Dr. Roberts explains how to develop the infinite possibilities that define your personal life and business and the importance of creating and sustaining generational wealth. Dr. Roberts reveals how the Actionaire lays the foundation of their future vision by setting goals, having the courage to take risks, and by showing others through their Actions that nothing and no one can stand in their way of accomplishing their dreams, living with passion, and achieving their mission in life. Action Has No Season 2.0 is a daring and challenging must-read that is highly stimulating. In debates about the divergence of emerging technology, human relationships, and entrepreneurship, this book is impossible to ignore. |
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| apple card insufficient credit history: Introduction to Personal Finance Kristen Carioti, 2024-03-18 Introduction to Personal Finance invites students to reflect on their values and behaviors with money and to set goals to reach financial freedom and financial wellness. Author Kristen Carioti provides clear, step-by-step guidance on the essential building blocks, from setting up an emergency fund, to navigating student loans and investing for retirement. Students are encouraged to evaluate their personal relationship with money and mindfully assess their behavior so they can set and reach achievable financial goals. |
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| apple card insufficient credit history: Management Fundamentals Robert N. Lussier, 2023-02-21 Packed with experiential exercises, self-assessments, and group activities, Management Fundamentals: Concepts, Applications, and Skill Development, Tenth Edition develops essential management skills students can use in their personal and professional lives. Bestselling author Robert N. Lussier uses the most current cases and examples to illustrate management concepts in today’s ever-changing business world. This fully updated new edition provides in-depth coverage of key AACSB topics such as diversity, ethics, technology, and globalization. New to this Edition: New Cases New and expanded coverage of important topics like generational differences, sexual harassment, AI, cybersecurity, entrepreneurial mindset, managing change, and emotional intelligence Fully updated Trends and Issues in Management sections in each chapter Hundreds of new examples, statistics, and references so your students are exposed to the latest thinking in management Key Features: Case studieshighlight contemporary challenges and opportunities facing managers at well-known organizations such as IKEA, LG, Alibaba, and Buc-ees. Trends and Issuessectionsexplore timely topics such as the changing nature of work, managing multiple generations, and virtual teams. Self-Assessmentshelp readers gain personal knowledge of management functions in the real world and provide opportunities for readers to learn about their personal management styles and apply chapter concepts. Skill Builder Exercisesdevelop skills readers can use in their personal and professional lives. Ideas on Management chapter-opening caseshighlight real companies and people and are revisited throughout the chapter to illustrate and reinforce chapter concepts. Case studiesask readers to put themselves in the role of a manager to apply chapter concepts and consider issues facing real organizations. |
| apple card insufficient credit history: Global Strategies in Banking and Finance Dinçer, Hasan, 2013-10-31 This book explores the concept of a global industry through case studies, emerging research, and interdisciplinary perspectives applicable to a variety of fields in banking and finance--Provided by publisher. |
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| apple card insufficient credit history: Kiplinger's Personal Finance , 2007-11 The most trustworthy source of information available today on savings and investments, taxes, money management, home ownership and many other personal finance topics. |
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