MTL - Ghosts Know What I Experienced - Chapter 31

A filthy, idiotic, hypocritical alcoholic degenerate, known to most as Ricky Freeman, died in a tragic car accident when his lower half was crushed by a drunk driver. Coughing out a bloody mourning for his balls, Ricky finally dies only to wake up in his next life. Reincarnated in the 1920s as a orphaned kid, how will he live in a universe filled to it's brim with cosmic beings-*DING*'Huh?'[Congratulations Host for receiving the Impregnation System]

Natasha Novak was a fairly known artist from an Earth devastated by pandemics. One day, she was playing an online game and falls off her chair as a moment of luck brightens her otherwise monotonous life, and dies of a stroke due to hitting her head.Reborn in Galeia, a world of magic, she sets out to explore this brand new planet and maybe find others like her. Join her and her companions as she faces a world with a culture alien to her, meets Gods, and takes part in adventures all over the globe.

Xuanyuan was reborn into a strange new world where training to be a Xian was a cornerstone. There was however something ancient dwelling inside his body. He could now devour all of creation…

Unique skill ‘creditor’ which can bet with its debtors on the unpaid debts.

And the ability to take skills and stats!

Kang Yoo-sik’s chance to start a new life at the Hunter Military Academy.