Here are five true ghost stories submitted from Ghost And Ghouls readers. We’ve got disembodied voices, psychic predictions, and a heartwarming message from beyond. Got a creepy tale of your own? Submit your true ghost story here!

Someone to Watch Over Me
“When my husband and I were first married, we bought a lovely home that was over 60 years old. My husband worked the night shift so I was often home alone. On several occasions, I would be lying in bed and feel someone sit on the bed next to me. I never felt threatened. I told my husband, and of course he thought I was nuts. Some time later, when we were talking with our neighbor, we learned that the original owner of the home had died there. I am convinced that he was watching over me on those nights that my husband couldn’t.”

A Message from Grandma
“During the first Gulf War, I lived in Israel in an area that was hit by missiles three times. I never had any special abilities before the Gulf War, or after the war, but on the first night of the hostilities, my late grandmother came to me in a dream, saying that a missile would land near our home and cause a small amount of damage but no harm to my family. So, unlike most of my neighbors who fled the city when the war started, we stayed put, at home, during the entire war. My grandmother’s prediction came true.”

Are You Okay?
“My grandmother and grandfather were lying in bed one night, both asleep. Then they heard a voice whisper “Are you okay?” They both looked at each other and asked if the other had said that. They both responded no. So they got out of bed, turned on the light, and opened the door to their room. There was nothing on the other side of the door. No one was in the room or outside the door. Then they decided to check outside. On the ground outside of the door was a pile of ashes. They never found out how it got there or who asked if they were okay.”

The Indian Caretaker
“I think I was about five years old at the time my haunting took place. I was living with my grandparents on their farm in Bangor, Maine. One day while I was out picking wildflowers, I noticed an old Indian man following me around. He wore grey wool clothes and a hat, but what was really strange about him as his feet, or rather, lack thereof. He seemed to float just a few inches off the ground. I asked my grandparents about “the strange man,” but they wouldn’t answer. It wasn’t until years later that I learned that our farm was built over an Indian graveyard. One of my aunts told me that an old Indian caretaker was slain on the property shortly before my grandparents bought the land.”

A Dime From Beyond
“My mom always told me that if pennies were lucky, dimes were more so. She passed away three years ago. Recently, I was laid off and worrying. Walking to my car, I found a dime on the ground and smiled. But I figured it was a coincidence. That night I started to cry, stressed and lonely. I heard a tinkling down the steps. I got up to turn on the stairway light and there is a dime on the first step. There was no doubt that time.”