I shall share my views... not necessary to connect with Religion I believe in... but it still can be -

1. Living in Present.

All our life we waste in either guilt for past (which is judging our acts be a more evolved n experienced intellect ) or planning for future... We never Live... the very moment... life is this....

2. If we are soul n body... Soul was present before we took birth... got body and hence shall survive even after death.

3. Heaven n Hell is all wht life we leave... there is nothing waiting for us after death....
Everyone has his own fantasies about Heaven and fear for Hell.....
If you are content in life you live.. it is heaven..

If you are not happy.... n Sick n Sad. it is Hell....

Hard Work Doesn't Kill Anyone... But Why take Chances.