@Bunniekins geez now that's a question and a half.

Well from all I've read, seen and what feels right to me, I have come to the following conclusion. Well there's the last few seconds where our mind shows us our life, from there as our life force / energy / soul / consciousness leaves the human vessel / body we can choose to ascend / return to the source / go to the after life. I was going to say heaven or hell, but that is our choice, I believe we will be with similiar souls, evil people will be with other evil people, good people will be with other good people, the old story of the law of attraction, what you put out you get back. You could also go and watch over loved ones,  haunt the person who took your life or did you a terrible wrong. Eventually you will make a new life contract, decide which souls you will be with in the next lifetime and what lessons you must learn to ascend even further on your journey to being an enlightened soul.