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The following is what a channeler told me, after she consulted with her spirit guide as to how to explain to me precisely. I have supplemented her explanation with my own notes, for clarity.
The higher dimensional beings are everywhere, all at the same time. We can also be everywhere at the same time, but because we reside in a physical body, we have a primary identity. We are in our body most of the time. However, we can be outside of our physical body (eg. dream, astral travel, etc), in which case, we use our secondary identity.
We always have access to the higher dimensional beings. However, we must initiate the conversation, because they are not allowed to talk to us without our consent. If a higher or lower dimensional being has violated this universal law, you can invoke a divine being to intervene.
A ghost is a spirit that lingers in the second dimensional reality. They are either lost/stuck, or unwilling to leave. A deceased loved one in a spirit form who has already been escorted from our third dimensional reality, will be in a higher dimensional reality. So if you wish to speak to a deceased loved one, you only need to ask, and she will hear you, because she is omnipresent, regardless of whether she has reincarnated (in another physical body on the third dimensional reality) or not.
The third dimension is currently our resident dimension. It is however, not our permanent dimension.