Do you believe in life afer death?

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I have heard a lot of people saying that after dying you go to heaven and you have to pay for the sins you commit while on earth. How many of you relly believe in Heaven andlife after death. I think eveything is settled here on earth. You get your reward or your punishment right here. Who has seen heaven? Has anyone really come back and told us what it is like there? Isn't it all speculation? If you speculate on the stock markets, you are known as a gambler. What are the fruits of speculating on heaven?