I was on the phone with a friend of mine, sitting in the living room of my apartment at the time. I had been talking on the phone for probably 20 minutes, when I had the urge to look over to my left out the front window.
I lived at the very back end of a cul-de-sac, on the first floor of a 2 story apartment building. My living room window opened upon the cul-de-sac. lengthwise, allowing me to see the building on either side of the street, as well as the main road and houses on the other side, about 250 feet away.
When I happened to look out my window, I saw a silver craft, hovering 10 feet or so directly over the house at the entrance to the cul-de-sac. The craft was perfectly disc shaped, exactly like the shape that everyone assumes a UFO to look like, and virtually identical to the shape you have on the banner at the top of this page. Looking back on it, that stuck with me more than anything. I always expected a UFO to look different from that. But there it was, about 30 feet wide, 15 feet top to bottom, reflective silver throughout, no windows, no lights. I observed it for 10-15 seconds before it accelerated instantaneously to an impossible speed and was gone from sight. It took off so quickly that I was barely even able to tell that it had gone south or south-east, rather than just vanishing outright. There was no sound, and as my computer was on as well as the phone, there were no interruptions on either.
My first thought when I saw the object was surprise, then fear. Especially after it took off and I had time to process what I had seen.