Question: Heaven and hell: Constructs within our minds? 

Answer: I think that was the premise of some of the Hellraiser sequels (Clive Barker).  Personally I don't believe in Heaven or Hell, it's not in my religion, so I would tend to agree with you.  Some of us believe in reincarnation so we are more interested in taking care of the world we have - we aren't planning on leaving it behind.
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