Didn't mean to hijack your thread, Dmo. Anyway, what I think happens when you die is this. When you die your consciousness remains intact, but you no longer have a mind to filter your experience. That's not saying you are free, because most people when they die are very afraid. This fear bounds them wherever they are. Sometimes that results in spirits or ghosts sticking around places. Those that are able to get past their fear are able to go on to whatever karma allows. Probably not accurate and I really don't know.

Check out this link for some interesting info that is a big assumption.

Spiritual Science Research Foundation