Our daughter saw a ghost walking in front of our house once. She was about 14 at the time and this was about 7:00 in the evening as she was coming home, so although the sun was setting it wasn't dark. This apparition was male and walking toward her. As it got to within a few metres, she said it seemed to notice her and vanished. We were home at the time, and I went straight back out the front of the house with her as soon as she told us. She was pretty nervous but showed me where this apparition had come in from the verge then turned up the drive parallel to the house in the direction she was coming from. I believe she saw what she said she saw. Oddly enough, this was three days after a guy was shot and killed in a bikie incident at a house a short distance up the street. True story, so make of it what you will.
As far as religion goes, I'm a very lapsed catholic (small c). I have no idea what happens when you die, but I'm hoping to be pleasantly surprised. I suppose that makes me either an agnostic or an optimist atheist.