This is a hard subject because I completely understand where you are coming from with the scepticism of the established major religions. Blind faith can be a very scary thing. However simply "considering you actions" can be dangerous as well, logic alone without some sort of higher moral standard is probably responsible for many of the larger economic problems and social injustices we currently face today. There is the Golden Rule, treat others as you would like to be treated, that I suppose would fit into your philosophy. However that still doesn't consider the overall question of death and the greater meaning of life.
There is a very interesting book by Dr. Michael Newton who is a psychiatrist called Journey of Souls who takes a scientific look at the spiritual world. I highly recommend it.




