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“The fear of death follows from the fear of life. A man who lives fully is prepared to die at any time.” ~ Mark Twain
The difference between crossing over and going into the light.

I will let my Angels explain:
"Crossing over simply means that a soul has made the transition, however a spirit can choose not to go into the light and stick around. The light is the end of all things and the beginning. It is the state of being that all of you try to attain. To some, however, the light may not be visible. This is usually the case when spirits are not honest with themselves and refuse to see the truth. You refer to these spirits, in so called haunted locations, as residual hauntings.
Others on the other hand are able to see the light, yet choose to stay because they have immense feelings of guilt or fear. They are afraid of judgement and afraid to face painful memories, emotions or cruel acts they might have committed in their life. Some simply choose to stay on the 'half plane' to feel closer to loved ones or take care of unfinished business as you like to call it. These two types of spirits are usually the ones that 'haunt' a location or person.
Sometimes a spirits passing can be stalled or impeded by a living relatives' strong emotional attachment. In this case the relative is holding onto the spirit almost quiet literally. We encounter so many poor souls in degenerating bodies that are longing to move on and reunite with their creator, but simply are not able to, because they feel a responsibility to their loved ones."
"Crossing over simply means that a soul has made the transition, however a spirit can choose not to go into the light and stick around. The light is the end of all things and the beginning. It is the state of being that all of you try to attain. To some, however, the light may not be visible. This is usually the case when spirits are not honest with themselves and refuse to see the truth. You refer to these spirits, in so called haunted locations, as residual hauntings.
Others on the other hand are able to see the light, yet choose to stay because they have immense feelings of guilt or fear. They are afraid of judgement and afraid to face painful memories, emotions or cruel acts they might have committed in their life. Some simply choose to stay on the 'half plane' to feel closer to loved ones or take care of unfinished business as you like to call it. These two types of spirits are usually the ones that 'haunt' a location or person.
Sometimes a spirits passing can be stalled or impeded by a living relatives' strong emotional attachment. In this case the relative is holding onto the spirit almost quiet literally. We encounter so many poor souls in degenerating bodies that are longing to move on and reunite with their creator, but simply are not able to, because they feel a responsibility to their loved ones."