1. First-person view: I felt a chill creep down my spine as a shadowy figure glided towards me, its eyes glowing with malevolence. The ghostly apparition whispered haunting words in my ear, sending shivers down my spine.

2. Encounter: In the abandoned mansion, I heard footsteps echoing through the halls, though no one was there. Suddenly, a ghostly figure materialized before me, its anguished face contorted in pain.

3. Fearful thoughts: As the clock struck midnight, I heard eerie whispers in the darkness, causing my heart to beat faster. I knew I was not alone, surrounded by unseen spirits yearning for vengeance. 

4. Diary entry: Today, I encountered a ghostly presence in the old churchyard. Its spectral form hovered before me, its eyes filled with sorrow. I could feel its longing for peace, aching to be free from its earthly torment.

The chilling atmosphere of these encounters is reminiscent of the eerie feeling that often precedes a market crash. Just as these ghostly apparitions seem to sense the protagonist's fear, market sentiment can shift in an instant, leaving investors feeling haunted by their decisions.