Oh, yes, I know all too well of ghosts encounters. Not only was there a ghost when I first moved into the house I live in now 10 years ago, he's pretty much gone now, but there is also a ghost at my grandparent's house.
The one at my house I first seen the day we moved in when I was 6. Both me and my brother, 13 at the time, saw it and the only way my parents could get us to sleep that night was to talk us into thinking he was the chimney sweep. True story... Sadly... It was a middle aged man wearing a brown suit and fancy hat. He looked like he was ready for a party or something. That one no one has seen in quite a few years tho, so I am guessing that he finally managed to pass on.
Now, the one at the grandparent's house has been there since my mother was little and living there and it is one of those creep ghosts. It's an old woman who is always wearing a night gown. I think she's buried somewhere under a tree right next to their house because she is often seen sitting under it for a short while and then she seems to 'disappear' into the ground. First time I saw her, I screamed. She's also often seen inside their house, which was most likely hers at one time in the past. Usually he's sitting down somewhere painting her toenails. It's really weird.
I have another ghost story of my own, but it's pretty long so I'll explain it all at another time. For now, let's just say that I am completely and utterly scared of swing sets because of it...
I'm even thinking about making it into a book because it was so freaky. xD