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Phil is joined by Jay and Larry to reminisce what it was like Trick or Treating as kids. Tom hosts a fun game of Fact or Crap with Phil, Bob, and Denise. Joe B. interviews two NY Life Insurance Agents who provide Medicare services. Bob brings us What's Happening 'Round our neighborhood in the coming months and explains some background on Veterans Day, Columbus Day, and Halloween. Baymen Bingo is back after a summer hiatus and Joe B.  visits and talks to a few Bingo players and to Joe Giannini who is our first Bingo Sponsor and who also gave out vouchers for free coffee to all Bingo players.  Phil brings us back to his Scavenger Hunt adventure in New York City from back in the day.