I have some ghosting on my samsung 243T, however it's only rated at 25ms. It's funny though, ghosting is such a user-based qualification. I had been using a dell laptop for 3 years before taking the plung with a desktop and this LCD. For me, I only see ghosting on the samsung while watching really dark movies or playing dark games like Doom3 and NFSU2. And then, it's a ghosting that occurs mainly on dark objects that move on the screen.
I never noticed any ghosting at all on my laptop until I started comparing it to my samsung. Now, when I replicate things on my laptop that ghost on my desktop, I notice some slight ghosting on my laptop. Obviously, it had always been there, I was just never aware of it. My girlfriend couldn't notice any ghosting at all on the desktop until I specifically pointed it out to her, and even then she didn't mind it. It's really a personal thing, and a tricky one because lots of people "assume" that a 25ms panel will ghost, even if they don't see it. Likewise, people will "assume" that a 12ms panel won't, however you can find reviews of 12ms panels that report ghosting.
I'm slightly annoyed by it sometimes, however I've gotten used to it, and the practically of this 24" beast makes up for it. For CAD/photo editing, it's a dream.