I Am Loaded with Passive Skills - Chapter 38 - Save Zhao Qingteng First

What would you do if you could control and use your Karma?

A magical ring and a mighty spirit inside the ring, coupled with a genius who lost his cultivation and got named worthless trash. That’s Xiao Yan, the poor genius. You think Xiao Yan got it bad? Well, you clearly have not met Jing Yan.

Jing Yan was once the shining star of the whole East City. However, his cultivation dropped because of the Universal Ring that was left to him by his dead grandfather. Without anything but the Universal Ring, he will once more rise towards the top and beyond!

He is Jing Yan, The Universal Sword God.

- Description from Novelupdates

After the death of Fu Sinian, Yu Duo’s heart shattered into pieces. As his widow, she was the recipient of Fu Sinian’s massive amount of inheritance. She spent her days drowning herself with alcohol and was depressed all the time. She mourned her late husband with the companionship of her designer purses, designer jewelries, and money that could last her several lifetimes.

But only Fu Sinian knew the truth — that after his death, this woman hosted parties, lived in their mansion, drove expensive sport cars, traveled the world, and flirted with men. She was having the time of her life.

Fu Sinian wasn’t so angry that his soul dissipated; quite the contrary, he was so angry that he had come back to life!

Fu Sinian, who had come back to life, looked at the mourning Yu Duo and smiled devilishly.

“We are on! Watch me make you fall in love with me for real this time!”

The moment when mercenary leader Kwang Hwi receives video game like abilities, the world is suddenly thrown into chaos. A thick fog envelops the Earth, bringing with it savage, otherworldly monsters. At the same time humanity has been rendered defenseless against this onslaught, as the strange fog turns most weapons to rust. With mankind spiraling towards oblivion, it is up to Kwang Hwi, with his new abilities, to save the world. Watch as Kwang Hwi leads his militia and becomes the last bastion of humanity. Will he be this world’s savior, or its conqueror?