It’s not uncommon for interior designers and stagers to offer color consultations to homeowners who are struggling with white and unpainted walls. It’s a great way to start a relationship with a potential design client and for the homeowner to “test” out working with an interior designer.
Home buyers recently have been requesting color consultations, too, for a combination of reasons:
Timing is everything
The perfect time to have the walls painted is before any furniture is moved in. Buyers who have contracts on homes but haven’t quite closed yet still want to get started on their decor. In many cases they already have furniture, art and accessories that inspire the wall color for the new home.
Global influence
Buyers are inspired by art, decorative pieces and area rugs selected while traveling and want to highlight their experiences in their home. Art and area rugs are fabulous ways to inspire a room’s wall color and overall palette. Additionally, more global textiles and fabrics are making their way to national home furnishing retailers, and these warm and bold colors are subtly influencing color in the home.
Beyond walls and furniture
Color is more prevalent in design these days, and buyers are starting to have more confidence about using it in their homes. We’re not sure that the avocado fridge is making a comeback, but we are definitely seeing more color being offered in home products — from kitchen sinks to large appliances — as well as continued encouragement about painting the walls from various home design television shows and displays at various hardware stores.
If you’re fortunate to be a buyer or just want your home to feel new, add some color to those walls and “break out of your beige haze!”
Tag Archives: Armonk NY Real Estate
Treasury Bond Demand Most This Year on Fiscal-Cliff Concern | Armonk NY Homes
Treasury 30-year bond yields fell to a two-month low as the U.S. received the highest demand this year at an auction of the debt amid concern lawmakers risk pushing the economy into recession over a budget showdown.
The difference in yields between 10- and 30-year debt narrowed to the least since August with demand for the bonds, as measured by the number of bids submitted compared with the amount of debt sold, the highest since December. Treasuries have risen since the re-election of President Barack Obama and a split Congress on concern they’ll be unable to compromise and avoid a series of automatic tax increases and spending cuts that have become known as the fiscal cliff.
Today’s auction was the final of three offerings of coupon-bearing securities by the Treasury this week totaling $72 billion. Photographer: Ken Cedeno/Bloomberg
Austan Goolsbee, a professor at the University of Chicago’s Booth School of Business and a former chairman of the White House Council of Economic Advisers, talks about the re-election of President Barack Obama and the outlook for new tax and entitlement legislation. Goolsbee speaks with Betty Liu on Bloomberg Television’s “In the Loop.” (Source: Bloomberg)‘The strong auction reflects strong demand,’’ said Priya Misra, head of U.S. rates strategy at Bank of America Corp. in New York, one of the Federal Reserve’s 21 primary dealers that are required to bid on the auction. “If you are worried about the fiscal cliff, the place to be is the long end of the Treasury curve, as the yield there has more room to fall.”
The yield on the current 30-year bond dropped six basis points, or 0.06 percentage point, to 2.77 percent at 2:13 p.m. New York time, according to Bloomberg Bond Trader data. The price of the 2.75 percent security maturing in August 2042 rose 1 6/32, or $11.88 per $1,000 face value, to 99 19/32.
The U.S. faces $1.2 trillion in mandated spending cuts and tax increases starting Jan. 1 if Congress can’t agree to reduce the deficit, which totaled $1.09 trillion in fiscal 2012. The Congressional Budget Office has said the world’s biggest economy would slow by as much as 0.5 percent next year if Congress fails to prevent the measures from kicking in, pushing the economy over what’s become known as the fiscal cliff.
As Obama was re-elected this week, Republicans maintained control of the House of Representatives and Democrats held on to a Senate majority.
Auction Yield
The 30-year bonds sold today drew a yield of 2.82 percent, compared with a forecast of 2.848 percent in a Bloomberg News survey of nine primary dealers. The bid-to-cover ratio, which gauges demand by comparing total bids with the amount of bonds offered, was 2.77, versus an average of 2.59 for the past 10 sales.
Indirect bidders, an investor class that includes foreign central banks, purchased 45.4 percent of the bonds sold today, compared with 26.5 percent at the October sale, which was the lowest level since August 2011, and an average for the past 10 offerings of 32.6 percent.
Direct bidders, non-primary dealer investors that place their bids directly with the Treasury, purchased 12.4 percent on the bonds, versus 14.2 percent at the last sale and an average of 14.4 percent for the past 10 auctions.
Thirty-year bonds have returned 4.3 percent this year, compared with a 2.4 percent gain in the broader U.S. Treasuries market, according to Bank of America Merrill Lynch indexes.
Final Sale
Today’s auction was the final of three offerings of coupon- bearing securities by the Treasury this week totaling $72 billion.
The U.S. sold $24 billion of 10-year debt yesterday at a yield of 1.675 percent and auctioned $32 billion of three-year notes on Nov. 6 at a yield of 0.392 percent. Both sales drew lower demand than at previous offerings. Investors bid for 2.59 times the amount of securities available yesterday, versus 3.26 times at the auction in October. For the three-year sale, the figure dropped to 3.41, from 3.96 a month earlier.
“There is definitely concern out there, given the policy and economic uncertainties, and even at these low yields investors are willing to pay up to get the long end,” said Jason Rogan, director of U.S. government trading at Guggenheim Partners LLC, a New York-based brokerage for institutional investors.
Quantitative Easing
Long-bond yields fell yesterday the most in 11 weeks as Obama’s re-election also fueled speculation the Fed will keep buying Treasuries.
The Fed purchased $2.3 trillion of Treasuries and mortgage- related bonds in two rounds of quantitative-easing stimulus from 2008 to 2011 and has begun a third effort. The central bank announced Sept. 13 it would buy $40 billion a month of mortgage- backed securities until the outlook for the labor market improves “substantially.”
Fewer Americans than forecast filed claims for unemployment insurance last week as the effects of Hurricane Sandy started to show up. Applications for jobless benefits fell by 8,000 to 355,000 in the week ended Nov. 3, the Labor Department said today in Washington. A Bloomberg News survey had forecast claims for jobless benefits increased by 2,000 to 365,000 last week.
The Viral Video Formula Revealed: 7 Key Elements for Viral Content | Armonk NY Real Estate
So, at about this time in our study of viral videos, we should know a few things: it’s rarely an accident. I’m about to break down a formula from the good people at Salesforce, who were kind of enough to make a video about this early this year. But a mere formula always has one thing missing: it’s easy enough to say you’ve got to make great content, but you have to know what that is and how to make it. If you have the ability to make it, then this formula should work fine. It all comes down to how much work you’re willing to do after creating and publishing a great video. Let’s take a look.
A Formula and Equation for Viral Success
Let’s take a look at their video, provided by Jamie Grenney, VP of Social Media at Salesforce:
The formula breaks down like this:
Frequency (Who is talking about it?) x Proximity (How many people have they shared it with?) x Potency (How potent is the message?) x Incubation (How long after someone shares the content is it ultimately viewed?)
7 Key Elements of the Viral Video Formula: A Viral Loop Checklist
The formula comes from how actual viruses are spread. So how do you make content spread like a virus? They’ve broken it down into a checklist:
1. Answers a question, or evokes an emotional response.
The first part of this step is why “how-to” videos do so well on YouTube. Giving people information about things they are actively seeking. Like, for instance, I suddenly thought of pancakes. How do I make pancakes? Wait…how do I make perfect pancakes?
Making pancakes. 1 million views. Answers a question, makes me hungry. In fact, that video also evokes an emotional response.
Emotional responses were a huge factor for the Olympic Games this summer. It’s what distinguished the top brands when looking for viral success:
2. Addresses a hot topic that people are searching for or talking about.
Remember the pancakes? Well, actually, that kind of thing is always on people’s minds, or maybe it’s just mine. Anyway, pancakes aren’t likely to be a “hot topic” unless they’ve hit the news somehow. And believe me, we don’t ever want to see pancakes make the news, unless scientists find a way to make them even more fluffy and delicious and it’s a slow news day.
But maybe there’s a trending topic floating around. It’s not hard to find those if you’re roving around Facebook or Twitter or news outlets. You can totally capitalize on this. For instance, when the Higgs-Boson particle was discovered, it generated a lot of interest, and curiosity. What is so darn important about the Higgs-Boson anyway?
Not done:
Not nearly done:
Seriously, Minute Physics took a topic and ran with it for three videos. That’s genius. If you’ve got particular knowledge on a currently trending subject, or if you have a way to incorporate a trending topic into one of your videos, you can use that tent-pole event to raise interest in your video.
3. Title, description, & video thumbnail are compelling and drive clicks.
I hate it when people talk about thumbnails, because that’s something YouTube hasn’t completely ironed out yet. And then I look like a jerk for expressing the need to make good thumbnails, when A.) some people can’t generate custom thumbnails because they’re not allowed and B.) they have to rely on the good ol’ 3 randomly generated thumbnails that YouTube provides. They’re getting better at this, and most any channel that’s been around for awhile can do them. But hey, not everything is YouTube. Many services allow you to do what you like with thumbnails. And you should have a compelling one.
When you make titles it should be something that is not only compelling, but relevant. I think some creators kind of tiptoe a line with this, but in the end, you want a title that you yourself would click if you came across it. So that’s why you see a lot of “BEST PANCAKES EVER!!!!” and “HOW TO MAKE KILLER PANCAKES!!!” and stuff like that. You’ve entered a sort of huckster field here. “Step right up, I promise you’ll see something amazing that will change your life.” You should really talk to our founder Mark Robertson sometime about this. That guy is always thinking of titles.
In the description, this is where you tell people what’s in the video. Hopefully, a bit of a teaser that will get people to want to click. Descriptions are helpful in SEO, as it describes the content of the video and helps a search engine to figure out what it is. But the small description below the video, before someone clicks, “Show More” should be something compelling, engaging curiosity.
4. Video is short and sweet, ideally 2 minutes or less.
Wait a minute…come on, ReelSEO. You tell us the top branded videos that get shared are 4 minutes, 11 seconds in length, then someone else turns right around and says, well, except for cars. So how long does any video need to be, anyway?
This could show how much length is a case-by-case basis. I think if you’re a brand, you shoot for a story to tell, something interesting and unique with your product that enriches lives, and you show how by telling someone’s story. Those go viral for different reasons than just someone trying to make a quick video hoping for it to go viral. So maybe you want to make a video about something not all that substantial, something funny, something light. Something people want to share with their friends during a busy workday. That’s where a 2-minutes-or-less video comes in. You get those people who are looking to take a break and they see that your video is less than 2 minutes, and that’s attractive during a busy day. Either way, grab a viewer within 15 seconds, as the YouTube Creator Playbook says.
This step is entirely dependent on what kind of video you want to make. So I think it’s important that when you make any video, good content reigns, and if it drags, you’ll want to edit it down to where everything “pops.” So I’m not entirely sold on the “2 minutes or less” rule described here. It kind of depends on the situation, doesn’t it?
5. Get your video off to a strong start propelled by paid, owned, and earned media.
This takes a lot of work. Well, not so much work that you’ll feel like a construction worker who hauls bricks all day, but you’re going to have to prepare yourself for lots of rejection, even if your content is good.
You want to submit your video to relevant media outlets, those who feel like your content helps them attract readers/viewers. There are a ton of news aggregation sites like Reddit, Digg, FARK, StumbleUpon, and so forth. But let’s say your content is about movies. You now have a ton of sites to send your video, as long as it’s something you think they’ll enjoy and you follow their submission guidelines. You’re going to be rejected, or just not get a response, most of the time. But if your content is good, you’ll have a few bites on it. That’s all you need. Eventually, if it gets big enough, those sites who rejected you might start posting the video anyway.
And once people start watching the video on other sites, they start sharing it with others. Facebook and Twitter become huge, especially if you get one of those “big fish” Twitter users who have thousands or tens of thousands of followers.
I pretty much always bring up Freddie Wong’s “I Am AWESOME at Price is Right” video when it comes to this. He submitted this video to Price is Right fan pages, which accepted the video with open arms, and he got a lot of views from that:
6. There are 4 reasons people share a video. Find one reason.
Salesforce outlines these 4 reasons. People share content:
- That source information and spark discussions
- That others might find valuable
- Because it aligns with their identity and how they want to be perceived
- That maintain and grow relationships
This sort of goes back to step 1: it answers a question or elicits an emotional response. What you want to have in mind when pitching this video to other people is one or more of the reasons above. One of these reasons might be your “sales pitch” to blogs and friends.
7. Eliminate things that would make people reluctant to share.
Tough source material, depressing things, perhaps too much profanity. Things that make the video toxic to a wide audience. Salesforce also mentions that too much branding in a video could be considered a turn-off. But I think if you’ve successfully navigated the first step, this shouldn’t be too much of an issue. You’re making content people want to share. I don’t know what kind of crazy video you have where you’ve successfully navigated most of this formula and then you get stopped in your tracks once you come to this one, but maybe I want to watch that video.
Give Salesforce’s blog post on this video a look. They break these steps down into other details you might find valuable.
3 Reasons Google+ Rocks SEO | Armonk NY Realtor
Armonk NY Real Estate storm update | Armonk NY Homes for sale
As we move into the 8th day of our restoration efforts progress has been slow, but steady. We have approximately 60% of our residents with power restored. Presently we have a total of 17 restoration crews with 39 bucket trucks working throughout the Town.
Living in our homes with no heat, lights or water without a generator is very trying. I know because I am also one of those residents. I assure you that we are pushing Con Ed as hard as we can to bring more resources to North Castle. We have been told that an additional 50 crews will reach WestchesterCounty tonight. We hope to get our fair share.
Here is a partial list of restoration work areas for today: Route 22, North of Chestnut Ridge andWoodcrest Drive, Windmill at North Lake andUpland, General Heath in North White Plains,Annadale Road, and East Middle Patent Road. I will tweet other locations as they come in.
All voting places are open and have been functioning well. Gas is available at all gas stations in North Castle.
Please prepare for tomorrow’s storm. If winds reach 40-50 MPH as predicted, crews can not work up in the air or handle wires during heavy rains. We may lose a day of restoration. Let’s hope not.
As fast as restorations is completed neighborhoods are turned on. We often don’t know until the lights go on. Please believe me, we are working as hard as we can to get all of our community back on line. We appreciate your patience.
SHELTER, SHOWERS, WATER UPDATES
HERGENHANRECEPTIONCENTER: open 7AM-10PM.
BRYNWOOD: open for showers and internet
seven am to seven pm. Bring your own towels and toiletries. Kids 14 and under must be accompanied by parent or adult.
THE GYM: open for showers MON – THURS 5-7AM and 1-
10PM, FRI 5-7AM and 1-9PM; SAT1-5PM; SUN1-4PM. Bring your own towels and toiletries. Kids 14 and under must be accompanied by parent or adult.
WATER: available 24 hours in front of HergenhanRecreation Center,Community Park, 205 Business Park Drive, Armonk and Banksville Firehouse.
DRY ICE: available 12-5 pm at the WestchesterCountyCenter
BANKSVILLE FIREHOUSE: has meals ready to eat
Howard Arden, Supervisor
Evernote for Real Estate – A sneak peak at Evernote 5 | Armonk Real Estate
My self-diagnosed, borderline OCD loves every single thing about Evernote. I use it every day in both my work and personal life. So, earlier this week, when I received this little email from the crew at Evernote, excitement doesn’t even begin to express how I feel. Over a hundred new features? I’m in!
What’s new?
The design nerd in me loves the redesigned interface and new left panel. If you’re a paperless agent and use Evernote to organize all of your clients and paperwork, the added shortcuts and advancements in viewing both your own and shared notebooks together should make streamlining even more efficient.TypeAhead search is new as well. It will give you suggestions as you’re typing and also pull up your most recent and saved searches for easy access. They’ve also integrated Mountain Lion’s notification center.
For those of you who use Evernote Food and Hello, those are being integrated as well in their new Atlas feature allowing you to visually see your notes and remember where you were when you took them!
Just getting started with Evernote? No problem. These are a must!
1. Download the web clipper for your browser.
Whatever browser you use (even IE, I’m not here to judge) download this extension. Any website you’re visiting you’re able to clip with just one click. It automatically saves it to your notebooks in your Evernote account.2. Evernote is everywhere.
Since you’re able to access your Evernote account anywhere, download the app for your mobile devices too! Although the latest updates will be for Mac, Evernote works on Android, Blackberry and Windows devices as well.3. Go paperless!
It’s scary, I know. Just take baby steps and work your way through it. Evernote has many uses, so start at your own pace and grow with it. Some basic starter ideas:
- Personal productivity: Type notes during meetings, keep personal and private checklists, save web clippings, photos, files and more.
- Transaction Management: Keep client’s records, inspection reports, emails, signed documents during and after the transaction. You have the option to share with your clients and keep them in the loop at all times.
- Checklists and action plans: From listing coordination and seller action plans, closing checklists, and even marketing plans, staying organized and having your information at a glance is key to systemizing your entire business.
- Share notebooks with clients and team members: Do you manage a team? Have buyer’s agents? An escrow coordinator? Set up notebooks just to share with them, and have them do the same. Embracing the digital lifestyle works great for teams too!
- Syncs across all your devices so you have everything available: As a mobile professional the ease of having everything sync together is a must. Upgrade to the pro account and you have access even if you’re offline.
Already using Evernote? How do you use Evernote to help keep you organized? Let us know and we’ll share them on Twitter!
ConEd says power to resume for most NY customers by November 11 | Armonk Realtor
Low Rates, Tight Lending Spur Huge Year for VA Loans | Armonk NY Realtor
Need another sign that conventional lending is still tight?
Riding a surge of refinance loans, VA loan volume year-over-year jumped 51 percent in fiscal year 2012, according to recently released data from the Department of Veterans Affairs. Loan volume has soared 305 percent since FY07.
Military borrowers continue to flock to the program’s flexible underwriting requirements and financial benefits, which include no down payment, higher allowable debt-to-income ratios, no private mortgage insurance and in some cases refinance loans without appraisals.
Right now VA lenders are generally looking for a credit score of at least 620. In contrast, a recent National Association of Realtors survey found that the average FICO score on an FHA denial in May was 669, and borrowers with scores at or above 740 comprised 53 percent of loans in August.
Consistent growth
To get a sense of the recent rise, take a look at total VA loans since FY07:
- FY12: 539,884
- FY11: 357,592
- FY10: 314,011
- FY09: 325,690
- FY08: 179,670
- FY07: 133,313
This year’s total is the highest since 1994. Loan volume increased at least 25 percent in all 50 states, including significant year-over-year gains in Utah (98 percent), Hawaii (89 percent), Virginia (69 percent), Nebraska (67 percent) and California and Massachusetts (65 percent).
The recent growth of the program comes in the wake of the subprime mortgage meltdown and the lending restrictions that followed. Military borrowers have found it increasingly difficult to secure conventional financing, and even the minimum 3.5 percent down payment on an FHA loan can prove too much for military families.
That’s why this nearly 70-year-old no down payment loan program continues to make a tremendous difference for veterans and active military.
Refinance boom
Historically low interest rates also continue to drive the VA boom. The agency guaranteed nearly 340,000 refinance loans in FY12, almost double last year’s total. Purchase loans increased about 8 percent.
The VA’s Streamline refinance program allows qualified borrowers to take advantage of low rates with little hassle. Some lenders can offer this VA-to-VA option without an appraisal to underwater homeowners.
New Credit Risk Scoring Promises to Qualify More Borrowers | Armonk Homes
Evidence is growing that more borrowers will be approved for a mortgage without increasing risk to lenders through more sophisticated credit risk scoring that uses alternative data, such as unsecured credit and property history in consumer credit report analysis, according to a new report by the CEB TowerGroup.
“Traditional credit data and analytics continue to be relevant, but are not sufficient to satisfy the consumer credit reformation of today,” said the CEB TowerGroup’s senior research director, Craig Focardi. “As a result of the changes in consumer behavior, lenders cannot revert back to their prior mortgage underwriting policies. Too much damage has already been done to the market, consumers, shareholders and investors.”
CEB TowerGroup evaluated data from a joint analysis conducted by CoreLogic and FICO that compares the FICO® Score used by most lenders today with a new score launched in July that evaluates the traditional credit data from national credit data repositories and the unique alternative credit data contained in the recently launched CoreScoreTM credit report. The analysis of 300,000 mortgage applications found that 3,100 more applicants would receive a qualifying credit score of 700 and approximately 70 percent of a sample population saw their credit score improve.
The report included a joint analysis by CoreLogic and FICO that found that report shows that enhancing the process of determining risk with new alternative data and analytics would allow lenders to approve loan applications that might otherwise be denied, or deny problem loans that might otherwise be approved. Both outcomes would help consumers and the market itself,” said Tim Grace, senior vice president of Product Management at CoreLogic.
The report, titled “Enhanced Credit Data and Scoring: Deeper Insight into Mortgage Applicants,” notes that consumers used to pay mortgage debts first, but because of the recent financial crisis some consumers now treat paying other debts, such as credit card bills and car payments, as a higher priority to maintain personal financial liquidity.
Key findings in the CEB TowerGroup report include:
- Alternative credit information can support loan applicants with newly established credit files with good credit, those with minimal information in their traditional credit files but with good alternative credit payment histories, and long-time renters with no serious payment issues.
- More complete loan applicant, property and related information will bring greater transparency and efficiency to the mortgage lending markets and help reduce risk.
- The new FICO/Corelogic score is more accurate than the prior FICO® Score in identifying the riskiest loans improving lenders ability to discern consumer credit risk at origination. For applicants identified as the riskiest 10 percent of the lending population (those most likely to become past due on their mortgage loan), it identified 10 percent more seriously delinquent mortgage loans – loans 90 days or more past due.
I thought they were my clients | Armonk Realtor
Susan was tempted to lock up and head for home like the rest of her colleagues. Floor duty was never thrilling, but the last few hours had been truly tortuous.
No calls, no walk-in traffic — just the lonely sound of the Muzak echoing through the empty office space.
If it weren’t for that darn goal setting class last month and the oh-so-close Cabo sweepstakes, she’d call it a day. But one more sale and she’d be the tanning beauty sipping Margaritas in February.
With renewed determination, Susan dialed another past client and practiced smiling into the phone.
“Hello?”
Susan nearly leapt out of her skin!
She hadn’t heard the door bell, yet a lovely (but very pale) couple stood in front of the reception desk.
The wife clutched a Homes & Land magazine in her well-manicured hands. Susan couldn’t help but admire her blood-red manicure, and those very muscular fingers with the princess-cut diamond rings (four!).
“Yes?” Susan stammered. “How can I help you two this afternoon?”
“Is it really afternoon?” said the wife, “We thought it was closer to evening.”
“But anyway,” interrupted the tall statuesque man, “it doesn’t matter what time it is. We’d like to see some property.” He gestured towards their Homes & Land magazine. “Do you have time?”
“Well,” Susan said, trying to contain her excitement. “I suppose there’s still enough light out. We could see a few.”
“Oh goody-goody!” said the wife, licking her lips. “I know exactly what I want!”
“Perfect!” said Susan. “That will make this go much more smoothly.”
“It certainly will,” agreed the man, winking.
Susan ignored the ill-feeling in the pit of her stomach, and focused on a sale. It was obvious these two had money: highlights without grow-out, impeccable suits, and the Mercedes in the parking lot. She reached for the magazine.
“We’ve marked the ones we like best,” said the woman.
A number of the listings were dog-eared and shredded. Photos of competing Realtors had their eyes blacked out or funny beards drawn over their pictures. Susan’s broker sported devil horns. She couldn’t help but giggle over that doodle.
“Let’s start with this house,” said Susan, pointing to the most expensive of their selections. “Can you follow me?”
“Why don’t we just hop in with you?” asked the man. “It’ll be so much easier that way, don’t you think?”
“I do!” agreed the wife.
“Uhm,” said Susan. It didn’t feel right. But she glanced outside and saw the light was fading. Soon they wouldn’t be able to see the curb appeal.
“Okay, let’s go,” she said.
Listing number one was a cavernous Gothic-revival.
“This is it!” said the wife, sweeping through the front doors.
“Just look at the size of the fireplace!” cried the man in excitement.
“We’ll take it!” they said together.
Susan beamed. THIS is exactly why floor duty paid off.
Back at the office, Susan put the final touches on the contract. Outside, trick-or-treaters ran through the parking lot on their way to the next neighborhood, yelling and throwing candy at one another. Usually, she’d be home handing out Tootsie Rolls to these same kids. But not tonight! Tonight, she was making money.
Certainly, she might not have worked so many hours into the evening if she’d known that the couple’s pre-approval letter was a year old. But that could be amended!
It wasn’t everyday a perfectly awesome couple wandered in off the street and bought a $1 million listing. For full price. And waving all inspections. Susan smiled.
“Last signature!” said Susan, pointing at the bottom of the contract.
“I’m so excited, I’m nearly spitting blood,” said the man.
“I know,” agreed his wife. “A deal this good, I can taste it.”
She signed her name with a flourish.
“I’m so glad you’re happy,” said Susan. “This is why I’m in real estate, you know. To make people happy!”
“You’ve pleased us enormously,” said the man. “And I’m sure you’ve pleased Christopher as well.”
“Is that your son?” asked Susan, clearing the table of paperwork.
“Oh, no,” said the woman with a cackle. “Christopher Beams! He works here, right?”
“Yes,” said Susan. “Why?”
“Well, he’s our agent! We’re under contract to buy a home off 38th, but we like this one much better. I’m sure he’ll agree,” said the man, loosening his tie.
Susan’s heart skipped a beat. “What? Another agent? Another contract? Another house? But, but, b-”
“But this is just how things go!” said the man.
“It’s real estate,” said the woman.
Susan held her chest. Her heart had begun to beat very, very fast. She put the paperwork down on the conference table and slowly backed away. Very slowly.
“Where do you think you’re going?” asked the woman, licking her lips.
“Yes, where?” questioned the man, rising.
Susan ran for the door. Behind her she heard a POP, and the rush of flapping wings. Two large, black bats swooped in, pulling Susan’s hair and nipping her ears.
She screamed and pulled her cardigan over her head. This wasn’t how the night was supposed to end! She was going to Cabo! CABO!
She ran for the front door, screaming for help and throwing Junior Mints at the ravenous bats. Suddenly, the office went dark.
“Nooooo!” howled Susan.”Not me!”
Later, some passing trick-or-treaters said they thought they heard a haunting scream when the power went out — something to the effect of, “I thought they were my clients.”
But we’ll never know for sure.














