Steve the Positive-Thinking but Slightly Stoned Ghost
Steve was a good guy, not the brightest bulb in the hardware section, but the kind of guy who'd be happy to come move boxes for you or help you carry your groceries to the car.
Steve was driving in the rain in a midwest state -- an enormous summer storm, one of the ones that just comes up out of nowhere and makes it impossible ot see. Steve, not being in a hurry, pulled over, popped out the weed he had in his glove compartment, and lit up. He had an old Garfield compilation comic, some chocolate milk, and a bag of chips, and he was prepared to wait out the storm in style.
Then he heard the sound of frantic honking over the pounding of the rain. Slightly buzzed and with that oogy chip-crunchy stuff on his fingers, Steve dashed outside to see that a pregnant woman had struck a power pole, and was trapped in her car by a downed cable that hissed and sparked in the rain. She was crying. She was scared.
Steve, heroic dude, moved in to help.
In retrospect, walking toward a downed power line in the rain is not the wisest idea.
Only when the woman was free and safe did Steve realize that he had actually left this mortal coil well before reaching the car. He'd blacked out briefly, then shrugged it off and moved in to help the lady out and get her away from the power lines. Now that she was safe, though, Steve realized that, well, he was dearly departed. He'd torn the door off his hinges (having thought he was just in a weed-related adrenaline state at the time), and that was pretty awesome, but now Steve couldn't quite figure out how to touch things. The woman thanked him -- he wasn't invisible or anything, just glowing slightly -- and asked if he were an angel.
To which Steve replied, "Uh... sure. What's your name?"
"Mary," she replied. "Mary Jane Eckerson."
"Well, I guess I'm the Angel of Mary-Jane, then," Steve said. And five minutes later, added, "Hey, that kinda works on two levels... I guess..."
Steve:
S:10 D:10 C:10 I:10 W:16 C:16
Running Total: 12
BAB: +5 15
BDB: +5 10
Running Total: 37
Skills: 18 (if using 1:1)
Diplomacy: 6 ranks
Craft (something): 6 ranks
Knowledge (something): 6 ranks
Running Total: 55
Feats: Any 5
Running Total: 65
Powers:
Ghostly Power
10 ranks of:
Incorporeal: +2 (still affected by electricity)
-Extra: Immunities: +1 (Pick 10)
-Extra: Duration to Continuous: +1
-Flaw: Duration to Permanent: -1
-Extra: Floating: +1
-Extra: Telekinesis: +1
--Extra: Energy Blast: +1
--Extra: Ghost Touch: +1
--Extra: Slick: +1
--Flaw: Range to Touch: -1
--Flaw: Duration to Concentration: -1
Cost: 6pp/rank: Total: 60 pp
Running Total: 125
Ghostly Knowledge of the Soul
5 ranks of:
Precognition: +2
-Extra: Postcognition: +1
-Extra: Telepathy: +1
Cost: 4pp/rank: Total: 20 pp
and
Amazing Save: Will +5
Running Total: 150
Power Explanations
Steve's incorporeal nature protects him from a lot of stuff. Really, unless somebody is set up to attack ghosts specifically, Steve is probably not gonna be hurtin' much. Steve's ability to lift several thousand pounds to punch bad guys really really hard with his ghostly telekinesis takes care of a lot of problems, although Steve really would rather just leave a little ectoplasm lying around for bad guys to slip on. He's also got to concentrate on doing the whole telekinesis thing, which means that, like, carrying plates and stuff is hard. 'Cause Steve isn't really a powerful force of concentration. He tends to say, "Yeah, I can do that... wow, what would it be like if clouds were made of satin, and you could like roll in them, and stuff, and... oh, man, we need another plate. Sorry. My bad."
Steve's brush with the afterlife... well, his brush with the after-afterlife... has left him with some knowledge of the way the universe works, the way that things are going, the nature of people's souls. A dark and avenging spirit would use this to destroy the unrighteous, but Steve really just wants people to get along and be nice, y'know? He'll stop bad guys and stuff, but really, he just wants to wander around and see the sights, since he doesn't need to eat or sleep anymore and can really just check stuff out, help people, and be a dude.
But when supervillains threaten the innocent,
The Angel of Mary-Jane will fly in to save the day!
Hope this helps. It might not be the dude you want to play, but it's different from your average everyday "Avenging his own death gablah gablah gablah" ghost.
Note: If you want to add more skills or buff up his powers, you can give him a Weakness like Naive or something...
)
Blech. I just puked on my keyboard. You should put warnings on jokes that bad. 
