October 31st has arrived -- Happy Halloween. As you prepare to take your little goblins and witches (in my case a pirate and an owl) for an evening stroll to collect candies, or you prepare a bowl to keep near your door for the little ones posing the question trick or treat, don't forget the coins. Yes, Halloween is most prominently associated with candy corn and other sweet treats, but it is also a day when children can make a difference in the lives of children with less advantages through the UNICEF program. Created over 60 years ago it is a long-standing charitable program. Enjoy the fun, and consider what you might be able to do to put more treat and less trick into the lives of children around the globe. One not need be a billionaire to make a difference in the world.