As a starting character, you are entitled to housing, starting equipment, and heirloom, but as a ghost you don't really need them. So, it's entirely your choice whether you want them or not.
Without possessing a person, the only skills a ghost can increase are their ghostly skills, Materialization, and Soulmist Projection. Any other skill MUST be trained by possessing someone.
I'm not sure what you mean by picframe. If you mean boxcodes (like, a border around your post with pictures at the top and bottom), you can either make your own, or request someone to make one for you. Though most people have a policy that they don't want a request for a boxcode until you have at least 50 posts, just so they know you'll stick around and they're not wasting their time