I’m a lucky guy. I’ve been fortunate all my life, ever since my birth in the heart of Manhattan’s Upper West Side, a storied locale steeped in success and privilege.  Opportunity was my birthright, as illustrated by my attendance at Phillips Exeter Academy; there, I nurtured the awareness of just how fortunate I was to swim in such an elite milieu.  Every day there felt like a testament to the luck which had graced my life. Academically, I thrived at Exeter.  With a sharp interest in economics and a natural aptitude for numbers, I quickly distinguished myself in subjects like mathematics and Global Business.  During the summers, I gained educational exposure to the world of derivatives by shadowing professionals at…

Sarah gambled.  She played video poker and the ponies at the track.  She knew the odds of blackjack if she split a pair of face cards.  She’d played the office football pool–until she was fired for taking one too many three-hour lunches at the casino.  She gambled when she had money and, on credit, when she was broke–before she’d maxed out her credit cards and the debt collectors started dogging her steps.  She gambled when she was happy and she gambled when she was miserable–which was increasingly often. Now, standing under the buzzing fluorescent lights of the convenience store, rainwater dripping from her hair onto the worn linoleum floor, Sarah clutched three crumpled dollars.  It was everything she had left.…

October 29th The announcement hit the internet like a bomb. Cochran Brothers Tech, famous for their viral mobile apps, had outdone themselves this time.  Crypts and Corpses, the latest offering from the tech giant, promised to bring Halloween to life like never before.  It was an augmented reality game designed to transform the last 2 days of the month into a twisted scavenger hunt.  The trailer alone was enough to send chills down spines–grinning skeletons, decaying zombies, and creepy crypts, all superimposed onto real-world locations through your phone. David stood in line at the coffee shop, scrolling through his phone as the buzz about the game raced across social media.  His group chat was already lit. “Yo, you see the…

A beautiful young girl is left home alone with only her dog to protect her. On the news that night, they announced there is a serial killer on the loose in the area. Before she goes to bed, she locks all the doors and tries to lock all the windows, but the one in the basement won’t lock. She decides to leave it unlocked, but locks the basement door and goes to bed. Her dog takes its customary place under her bed. In the deep of night she awakens to a dripping sound coming from her bathroom. Half-awake, the girl feels the comforting lick from her dog and falls back to sleep. She reawakens to the dripping sound, reaches her…