A very scholarly friend told me at an office Christmas party last night about a thesis he wrote while at university. In it, he presented the idea that God kept Heaven's gates open, and that all people were invited in the afterlife. God Himself imposes no strictures. He can allow suffering, because everyone is allowed into Heaven.
The twist is, Heaven is so awesome to behold, so perfectly meant to be the afterlife of humanity, that when you stand in front of the open gates, you judge yourself to be worthy or not. If you've been a decent and loving person, you'll have no problem allowing yourself to walk on in. And if you aren't a good person, you won't be able to inflict yourself on Heaven, no matter what. Instead, you'll stand at the gates of Heaven, unable to go in until you deem yourself ready. You'll be outside open gates, BURNING with the desire to enter rightfully.
I thought this perspective offers interesting answers to some questions that have long plagued the Abrahamic religions.
I think it means both are here and now, and illustrates how, at a deeper level when we're honest with ourselves, and we ALL know what level I'm talking about. Only when we can forgive ourselves shall we know peace, the location is immaterial.
I say 'we' because it's not just about forgiving oneself.