what happens after death.?

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when we think of dying, a chill runs down our spines! people say we either go to heaven or hell. if it is so, then what would heaven or hell seem like? what does one feel immediately after dying? they say the soul is immortal. if it is so then where does it stay after death? how do rebirths take place then. what are ghosts? if u belive in some super natural power existence what would it be like.