Trick or Treat! - Ready for a Fright or a Delight? Happy Halloween to all of you this night!

The partly sunny sky begins to darken as the clouds move in. Now, the sky appears a little grayer, a little darker, a little more frightening. When out of the dark of night, powerful forces may unite to cause you fright, at their own delight!

"It is close to midnight and something evil's lurking in the dark.
Under the moonlight you see a sight that almost stops your heart
You try to scream but terror takes the sound before you make it
You start to freeze as horror looks you right between the eyes,
You are paralyzed!

Cause this is thriller, thriller night
And no one's gonna save you from the beast about to strike
You know it's thriller, thriller night
You're fighting for your life inside a killer, thriller tonight.

You hear the door slam and realize there's nowhere left to run
You feel the cold hand and wonder if you'll ever see the sun
You close your eyes and hope that this is just imagination, girl
But all the while you hear the creature creepin' up behind
You're out of time." - Lyrics to Thriller

The day turns into the dark of night and the wind began to change. There was a warm breeze that slowly began to chill as you could feel and almost smell the COLD of the night air. The weather began to rustle up some dry leaves on the ground. Crackle, crackle, CRACKLE!!!! Goes the leaves blowing down the street!

As nightfall comes upon us, you could see the yellow, orange, red and green leaves dancing on the streets and across the changing color lawns and dark sidewalks. The trees began to sway in the wind, and the creaking branches of the trees would reach down toward the ground and you wonder if those trees just might grab you as you walk nearby. It felt as though, there was a change happening in the air.

Then you heard it, it was creaking back and forth almost like an unclosed door. It was a "FOR SALE" sign. You slowly walked up to the boarded up home as the home was dark with no lights, an overgrown lawn and even a few stickers on the door and plenty of plywood on the windows.

You question yourself, as a little voice inside of you says should I go closer on this cool breezy night? As you approach the home you could FEEL THE DEAL. As you started to get chills, you were trying to determine if the chills were from the potential deal, the cool breeze or something that might be lurking in the basement!.

You want to start the journey and the tricks and treats are all around. As you get closer to the deal you may encounter a scary CAST OF CHARACTERS. Who may be lurking behind the large oak tree or the weeping willow in the front yard?

As you enter the back yard you become startled by someone that just snuck up on you in stealth mode. They were peaking behind the curtains but now they move in to get that closer look. It is that neighbor that sees everything but tells you they see nothing? They start asking you more questions then Barbara Walters in a heated interview. By the time you are done talking with the neighbor, you need a sweat towel.

You hear the rustle of branches and the whistle in the air. As you approach the home a large dark luxury sedan pulls up in the drive. Then they get out of the car. You can really tell who it is because they look nothing like the photo on the card. You just encountered a fast talking real estate agent that may be talking a foreign language to you because half of the terms and acronyms they are discussing just flew over your head like the Wicked Witch of the West. They go from REO, to ARV to Fannie, Freddie or HUD and then POF!

You continue on this journey and you see the smooooooth talking lawyer. The lawyer says a lot but also says nothing at all. As you ask more questions of the lawyer you get more questions in return. Sometimes you leave a lawyers office with more questions than when you first arrived.

Then as you go down the street you see this ivory tower building. The building is one of the nicest buildings in the area. You walk in and it feel so cold as you become chilled to the bone. The marble floor is shimmering and glimmering from the 3 coats of wax and it is brighter then looking into the sunset! As you step into the carpet off the tile, you sink about 4 inches into the plush carpet and then you see him all the way at the end. It is the BIG BAD BANKER! You have prepared yourself but you know the banker is wise and will often ask more questions from today through a possible closing. If you get a request for more information the day before closing, the banker will always assure you they are ready to close if you get the information to them before the clock runs out.

At times you can feel like you are on a scavenger hunt and have to complete your work as you are working against the clock. Well, the clock is ticking and you are continuing on your journey. As you continue on this journey, you want a treat of a deal, but do not want any tricks of a major rehab!

HAPPY HALLOWEEN 2013!

Believe and Achieve! - Joe and Stacey