"Don't think there's no difference. You know about Ghost Injury Insurance, right? If you're on the fifth floor and get sick, the Ghost Doctor will only reimburse 50% of your medical expenses. If you're on the fourth floor, they'll only reimburse 60%. But with us, we reimburse everything! Isn't that amazing?"
"Getting sick is quite normal for ghosts. Look, you might get sick if this immortal touches you. In the end, you still need to cultivate yourself as a ghost. Once you've succeeded in your cultivation, you might be able to work in an agency in the underworld like me. That would be a huge turnaround!"
"Many ghosts in our organization are unwilling to reincarnate. There are countless ghosts who have given up countless opportunities to be reincarnated..." the bespectacled ghost said with a smile.
"Take me for example. I'm in charge of this office for wandering ghosts. Not a single ghost has come here for years. I spend all my time writing novels here. I've become a writer. Isn't that amazing? My employer pays for my social insurance and housing fund. Although my salary isn't much, I still feel very happy in the underworld. At least I don't have much financial pressure."
"You must remember, if you want to get promoted, the first thing is that you can't miss paying your social insurance and housing fund contributions. If you miss paying, the computer will find out, and you won't have a chance to get promoted."
"I just mentioned reincarnation insurance, ghost life insurance, ghost injury insurance, and then there's unemployment insurance, ghost marriage insurance, and housing refund. As the name suggests, what if you really can't find a job in the underworld and can't pay your social insurance and housing fund contributions? Unemployment insurance can help you pay your ghost life insurance contributions..."
"The Ghost Life Insurance can also help you pay for the Reincarnation Insurance, so with unemployment insurance, basically three out of the five insurances are risk-free. Then there's the Ghost Marriage Insurance. Our underworld values unity and teamwork the most, and the family is the smallest and most basic team."
"Once you form a family with a male ghost, the five social insurances and one housing fund will be paid together. For example, if your income is low and you can't afford the five social insurances and one housing fund, but your husband's income is high, then your husband will be forced to pay the five social insurances and one housing fund for you."
"Since the assets are tangled up, it will be very troublesome during the divorce. Although there will be ghosts to represent you in court, the division of assets can never be absolutely equal. There will inevitably be some who get more and some who get less. Ghost marriage insurance is to ensure that after the divorce, the male ghost and the female ghost will receive the same amount of assets..."
"The underworld will make up the difference for the missing party. This is a groundbreaking achievement of our underworld among the six realms. Even the celestial realm, which constantly proclaims gender equality, cannot compare to our underworld. Once you divorce, you will have no worries. No matter how the lawsuit goes, the property you receive will be exactly the same as the other party's!"
"I'm so proud of myself," the bespectacled man said smugly.
"Finally, there's the housing refund. Don't think that once you become a ghost, it doesn't matter whether you have a house or not. Our underworld is currently striving to become a happy and livable realm. Don't let one or two homeless ghosts delay our important plans. So no matter what kind of ghost you are, once you enter the underworld, you'll be given a house!"
Upon hearing this, Wang Yao thought that some of the rules in the underworld were actually better than those in the human world. Becoming a ghost meant being given a house directly? If those guys in the human world who couldn't afford houses knew this, wouldn't they be eager to become ghosts instead of being human?
He thought to himself that the underworld built this building to satisfy the policy that every ghost could get a house, unlike the human world where housing is always in short supply and prices only rise and never fall, because oceans, rivers, mountains and deserts take up too much housing land.
People tend to flock to crowded places, which causes housing shortages in big cities. If you go to the desert, you won't see a single person for kilometers around. It's all caused by the imbalance of resources.
It still doesn't have the same grandeur as the Underworld. They built such a huge building, solving the housing problem once and for all. There's no difference in environment here; everyone stays in the same building, turning the entire realm into a city within a building.
Living in a particular area is similar to living in the "Happiness Zone" or "Striving Zone" in Huadu; there are differences, but not as significant as living in a desert or a water town. The underworld's experience in solving housing problems is something the mortal realm's officials should seriously study.
"Don't think this house is free. Look at this building; it encompasses the entire underworld. How much did that cost? And look inside, it has everything—shops, bars, you name it—it's just as big as the human world, and there's that thirty-ring shuttle..."
“You’ve moved in, not just into the house, but also enjoying these benefits! So the housing rebate is for you to use a portion of your monthly income to repay the cost of the house. That’s not unreasonable, is it?” the bespectacled ghost asked Lin Yazhi.
"Um... So, for example, if she reincarnates and comes back to be a ghost, will the housing refund accumulate?" Wang Yao asked again from the side.
The spectacled ghost's words make sense, but if Lin Yazhi stayed in the underworld for 100 years, that would be equivalent to paying a housing refund for 100 years. It's almost like she bought the house. If she goes to the human world to reincarnate and comes back, the building will still be there. Logically, she shouldn't have to pay again, right?
"You immortal, stop talking nonsense to me! Go back to the human world and say you were reincarnated and bought a house in your previous life that you want back. See if the real estate department will even listen to you!" The bespectacled ghost said impatiently to Wang Yao, his face darkening.
Upon hearing this, Wang Yao thought, "That makes sense. This bespectacled ghost has been talking to me about past and future lives. But for ghosts, isn't reincarnation insurance a guarantee for the next life? Why doesn't it apply to housing?"
He was puzzled, but seeing that the bespectacled ghost, who was actually quite good-tempered, seemed to be getting a little angry at his question, he refrained from asking any further. Whatever rules the underworld wanted to make was its own business. Even the Heavenly Emperor didn't care, and he wasn't Yama, so why should he care so much?
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