So.. I think the problem is fixed now.
I cleared out my SL cache, I turned off my computer, I unplugged a bunch of stuff. Let everything sit for a couple of minutes. Then, I turned my computer on & logged into SL. Had my start location as "Smith" & crossed my fingers, my toes & a couple of things. I saw there watching & I GOT IN!!!!!!!
I went over to where I saw my ghost & didn't see it there. But I think I teleported to the location I had seen my ghost so maybe I merged with then. But the good thing is I got in!
Thanks everybody for your help!