1. Check your character's portrait page. It will list the variolus good and bad magical effects that the character is under. Also, the character's small portait on the right of the screen will show some small symbols at the bottom of the portrait. There is a different symbol for each magical effect.
2. If you're talking to a merchant, the character doing the talking will have a little symbol in the upper left corner of the small portait that looks like either a $ or a money bag that Indicates that he/she's spending your hard-earned gold.
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