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For only one day, I went to a local church's daycare (around 4-5 at the time). All I can really recall is seeing a rather large, somewhat old lady (this is in retrospect) in a white dress. I thought it was a ghost, and was scared to death. My mother had to come and take me home, then find another daycare as I refused to go back to "the place with the white ghost".
I used to believe that if I slept with any piece of bare skin showing from under the duvet I would die. I don't remember how I realised this was wrong, but evidently it was.
Also, my cousin told me that I would be killed by a ghost if I was still awake past midnight.