In a large skillet cook ground beef, onion, and garlic until meat is brown and onion is tender. Drain off fat.
Meanwhile, peel and chop tomatoes. Peel, core, and chop apple. Stir tomatoes, apple, raisins, olives, jalapeno pepper, vinegar, sugar, salt, cinnamon, cumin, and cloves into the beef mixture. Cook, covered, over low heat for 20 minutes. Stir in the toasted almonds. Cook, uncovered, for 2 minutes more. Serve it with large corn chips or tortilla chips or in taco shells or flour tortillas. Makes about 3 cups (24, 2-tablespoon servings).