Nah, Wall Street's got to have Witches, just like Hetty Green. Of course I totally agree about the Dragon.

Honestly there are probably so many supernatural types trying to get rich off of the stock market that they probably end up all cancelling each other out. Except when they don't in which case very bad things start to happen in the market.

Also The Bronx, not The Broncs.

I'm starting to realize that this just isn't a very good aspect. It's full of great story meaning and can be compelled for all sorts of plot hooks... but that's about it. I can't think of any other thing to do with it at all, positive or negative. I suppose maybe it could be invoked for you to remember some hidden motivation and push past some obstacle. At the very least you should think about how you want to use this in play. If you can't think of anything then you should work on it or ditch it.

I can think of a lot of ways to use it especially since it is one of the character's focus items. It is a symbol of his love, and that is some powerful mojo right there. Any time he casts defensive magic or really just about any magic he can concentrate on the ring and invoke it for a bonus. Whoever the ring represents might be hidden from memory, but the feelings of love and commitment, and emotional attachment is still there even without the memories. And maybe sometimes he gets a flash of a face, a warm laugh, or a whispered name that he just can't make out but which gives him the strength to keep going, if only to find out what happened to his wife. And it might have enough true love in it to make a left cross wickedly effective against a White Court Vampire. As for other sorts of compels it might be a little harder, but certainly he wouldn't feel right making any new emotional attachments, and don't knock the value of all those plot hooks, and mysteries about his past that could be tied up and kicked off by the unknown identity of his wife.

I view it acting a lot like Harry's "My Mother's Silver Pentacle", is it always immediately useful mechanically? No, but it is a great symbol and it screams back story.

@ Morgan
High Concept : "Wandering Amnesiac Sorcerer"
Trouble: "I dont try looking for trouble it seems to find me just fine"
Other Aspects: "
"Misery Loves Company" Trouble has a way of finding me
"My memory is like a still pond, empty and devoid of all life, until you disturb its surface"
"My Gold Wedding Band"
"Where did I come from?, Who am I? Why can't I remember? What have I done to have so many people wanting to hurt me? How did I come to be without my Memory"
"If I could only remember who I am"

Some of your aspects are a little too long, when I come up with aspects I like to try and keep them pithy and punchy. For your Trouble I'd shorten it to "I'm Not Looking For Any Trouble." All the rest of it is nicely implied in that phrase, especially with some of your other aspects.

"Where did I come from?, Who am I? Why can't I remember? What have I done to have so many people wanting to hurt me? How did I come to be without my Memory" Is way too long, it will be insanely hard to fit on a character sheet if nothing else, try something like "I Just Want Some Answers.", or maybe "I'm Looking For Answers!" which embodies most of those questions and also might be invoked for a bonus when the character sticks his nose where it doesn't belong, and ties in nicely with the character's trouble.

You've also loaded up on quite a lot of memory loss Aspects and now a lot of those compels and issues can be handled with your High Concept, and one or two aspects. The aspect "My memory is like a still pond, empty and devoid of all life, until you disturb its surface" is very cool and evocative it could almost be split into two or three aspects, but what do you want this aspect to do in the game? It seems like your going for something along the lines of having great power inside that can be unleashed when it is least expected. Some more aspects about your magical powers are probably in order so perhaps something like "Don't Make Me Angry!", or for something less Incredible Hulk; "Unexpected Talents", "Hidden Depths of Power", "Deep Reservoir of Power", "Power Beneath the Surface", "Still Waters, Run Deep". Really though it depends on what you think it means and how you want it to effect play, I'd just suggest an aspect dealing with the character's magic power might be more useful than yet another memory based aspect.

"Misery Loves Company" and "Golden Wedding Band" are both good, and they are short and to the point, I'd be curious how you're thinking you might invoke the first one, do you make friends who get into trouble with you, or that you end up sharing in their troubles? Or are you really going to mainly compel it help to pile on the pain, and invoke it to be inured to suffering. Also you could tweak the second one to point it a direction that really interests you with not much more than the addition of a word and a question mark "A Golden Wedding Band?" is quite different from "My Golden Wedding Band?" or "Who's Gold Wedding Band?", punctuation can really make a big difference in Aspects and exclamation points and question marks can be great additions to some Aspects.

"If I could only remember who I am" Since you've already got a lot of general memory loss aspects I'd be inclined to make this one much more pointed and focused. "Am I Wanted By The Wardens?", "Why Can I Remember The Laws?","Why Can I Remember The Name ____?","Should My Past Remain Hidden?". The character's wanting to remembering who he is is already taken care of. Throw him a bone and give him a clue that can be pursued during play, or maybe just go with a useful utility aspect like "Magic Isn't The Only Thing I Remember How To Do", "I Remember More Than Magic", or "I Might Know How To Do That".

Powers (Sorcerer Template)
Evocation (Air, Earth, Spirit)
Ritual (Spirit)

So choosing a Ritual specialization works a little differently than Evocation, you don't pick an element rather you pick one Type or Theme of Thaumaturgy. You should take a look at Types of Thaumaturgy beginning on YS page 274, Thematic Thaumaturgy on beginning on YS page 284 to get a sense of potential options. Themes are broader based in terms of powers essentially letting you use all the Types of Thaumaturgy, but they are based only on specific applications of those powers. Ritual (Ectomancy) can do all the types of Thaumaturgy, but only if they deal with ghosts. Whereas Types of Thaumaturgy are very specific powers which can be applied in a broader way. Ritual (Summoning and Binding) for instance can be used to Summon and Bind just about anything, not just Ghosts, but it couldn't be used to Veil or Craft.

Since you've put down Ritual (Spirit) it seems like you'd like to have more of a Themed Thaumaturgy, I'd suggest either Ectomancy or Psychomancy. Psychomancy could be really neat for this character especially if you want to walk that razor's edge of Lawbreaker, and also delve into the recesses of his own mind. Otherwise if you want more of a Type of Thaumaturgy for your Ritual: Divination, Veils, or Summoning and Binding, are pretty solid choices that fit the Spirit element choice pretty well.

Wizards Constitution
The Sight
Soulgaze

Since you already picked up Soulgaze for free when you got The Sight you are now just one Major Milestone away from being a full Wizard.

As for the Norse god I am not sure where to begin, I was guessing kinda like an example someone found an old stone hammer and BAM! became an emmisary of power for Thor. But the directions aint exactly step by step on how to do it.

Start with a High Concept that deals with being "Thor's Emissary", and start buying powers like Marked by Power, and Item of Power if you want to go the "Whosoever holds this hammer, if he be worthy, shall possess the power of Thor." route. Then it is just a matter of picking out the powers that the Item of Power grants and applying the Item's discount. For Thor's powers and depending on Refresh levels, at low levels it would probably grant Inhuman Strength, Inhuman Speed, Inhuman Toughness and/or Inhuman Recovery, it might also have Breath Weapon to handle throwing Lightning Bolts. At higher levels increase it to the Supernatural or maybe even Mythic levels of those powers, and possibly add Sponsored Magic (Storm God). It will also be indestructible by normal means and be a (Weapon:2-3), it may give some +1 or +2 Stunt-like bonuses in certain instances, and might also have the ability to return to the wielder when thrown.

Here is a quick write up of a Minor Mjolnir, it's probably not actually Thor's hammer but rather another mystic hammer crafted by the dwarfs and bestowed to Thor's Emissary by the God of Thunder. Or maybe it holds only a portion of the real Mjolnir's power in it due to the character's connection to Thor. Perhaps it is the real Mjolnir, and the character is only beginning to unlock it's true potential and claim their godhood as the New Thor.

-6 Item of Power (Minor Mjolnir)
(Weapon:3), Unbreakable, Returns to Wielder when Thrown
+2 Refresh (Big, Obvious, Can't be Easily Concealed)
-2 Inhuman Strength
-2 Inhuman Speed
+2 The Catch (Snake Venom)
-2 Inhuman Toughness
-2 Inhuman Recovery
-2 Breath Weapon (Lightning Bolt)

A mini Mjolnir could be made with only +1 Refresh at a cost of -7 Item of Power, and a Special Ability to shrink in size to a pendant when not in use.
With all the bonuses from Inhuman Strength it does (Weapon:5), and can shoot Lightning Bolts that do (Weapon:2) damage.

Okay firstly what do you want this character to be and do? From your choice of powers it looks like you want to be a Wizard or as close as you can be at the the up to your waist level which means the Sorcerer Template. If that's the case your High Concept should have something about being a Sorcerer, it should also probably have something about being an amnesiac or just having no memory, and probably something about what this character does. Something like "Wandering Amnesiac Sorcerer" is a better High Concept for this character. Remember most of your compels and invokes for being whatever your character is in the DFRPG are based on your High Concept. Whenever Harry reaps some fate points by frying technology at inopportune times or when he gets his Wizard on and makes with the seriously powerful magic, he is using his High Concept. "This is not the Droid you seek" doesn't really fit your character's High Concept and cool SW reference aside it won't help you when you try to invoke or compel it to be who and what you want your character to be.

Now it might work as your Trouble, but you really want your Trouble to be a complication based on your High Concept that you want to come up in the game. Do you want people actively looking for you? Do you want to know who you are and what happened to your memory? Do you want to be a wandering man of magic and mystery who wanders the earth and gets into adventures, like David Banner, Kwai Chang Caine, or Jules Winnfield? Pick whatever problem excites you and make your Trouble aspect about that.

As for your other Aspects you shouldn't just leave them up to the GM, you and the other players should have a say in it as well. The DFRPG method of City and Character Creation should really be done as a group activity, connections will be made and setting and story will be established. Doing lonely fun character creation isn't really where the game shines. So even though the character has no memory, you must have some ideas of his past. And even if you don't think about what badass things you would like your character to do in the game and what sort of interesting things could happen to the character and make some Aspects that fit. Let yourself, the GM, and the other players know what you want your character to do in the game.

Unfortunately no there aren't any hindrances that will give you more refresh. There are a few powers that will give you discounts in the form of +refresh, but they are all tied to things that you will have to pay points for. The only way to gain Refresh points is to be a Pure Mortal which will give you +2 starting Refresh, but you lose them when you buy any supernatural powers and therefore stop being a Pure Mortal. DFRPG is really good at reinforcing the whole Power vs Free Will, Monster vs Mortal thing and Refresh levels is the way it does that.

Now as to your Power choices for this character, you really should pick up The Sight, however that will put you over the Refresh and your character has become his power. So is there a way that you could take one of the lesser forms of Magic like Channeling or Ritual and still fit your character concept? Right now without The Sight, you've got the magical equivalent of a USMC Scout Sniper who is completely blind. Do you want this character to do lots of quick, flashy, kablooey type magic, or do you want slow and steady magical effects that take a long time and much preparation? From the looks of your focus items it looks like spirit magic of the quick and dirty variety is your thing, so keep Evocation, bump Thaumaturgy down to Ritual and pick a focus for your ritual magic that you want your character to be doing. Then you can afford The Sight no problem.

Now as for creating a Champion of Norse gods, the wielder of an Item of Power, or an Emissary of Power. What is the specific problems you are having? What is the Item and what do you want it to do?

Weapon 3 it is still only a really big pistol not a battlefield artillery piece.

I am not sure I see your problem.

Hiding sets up an opposed contest between the person who is hiding's Stealth and the person who is looking's Alertness or Investigation. If it is easy to hide say because there is a lot of cover and shadows and what not the person who is hiding gets a bonus to his Stealth roll, and the person who is looking has to roll his Alertness or Investigation and beat that the number rolled plus the environmental difficulty modifier in order to find them.

If the situation is reversed and the environment is very hard to hide in due to it being brightly lit with no cover then the person who is looking gets the environmental difficulty modifier bonus to his roll on Alertness or Investigation and the person who is hiding still sets the difficulty to be found using his Stealth skill.

Since a Stealth roll is always an opposed roll against an opponent's Alertness or Investigation roll you give the environmental difficulty to whomever would get the benefit of the environmental difficulty modifier on their roll and therefore make it more difficult for his opponent.

So hiding in a dark environment with lots of cover has an environmental bonus of +3 to hide. Hider rolls his Stealth skill +4DF +3 points environmental bonus vs the Looker who rolls his Alertness or Investigation skill +4DF and see who is the winner.

Spotting someone in a brightly lit environment without any cover has an environmental bonus of +3 to spot. Hider rolls his Stealth skill +4DF vs the Looker who rolls his Alertness or Investigation skill +4DF +3 points environmental bonus and see who is the winner.

In both situations the environmental difficulty modifier makes it more difficult for whoever would have difficulty on their roll due to the environmental difficulty modifier.

I'd say that if all you're doing is adding color to your spells then that's just fine, it's when you want them to have a different effect because of that color that you might have some issues.

Take your basic blast of magical fire that does Weapon 5, I've had players describe that looking like all sorts of different things, hell I insist that they tell me what their blast of fire spell looks like. I've had basic fireballs, gouts of flame, waves of heat rippling though the air, even Chinese style dragons made of fire leaping at there enemies. Now the damage and every other thing about such a spell remains exactly the same mechanically no matter what it looks like.

So for instance if you want imps of fire to leap at and attack your opponent, that's fine just realize that you are not actually summoning imps you are making an Evocation Attack and using the image of imps constructed of fire as the spell's color/flavor. If you want to summon some actual imps, bind them to do your bidding and attack someone that is a totally different type of magic, and mechanics.

Shadowmancers flinging bolts of shadow at folks sounds like it would look awesome go for it, especially since you're Practitioner is basing his magic on the idea of magically controlling shadows to get tangible results. If you really limited shadow magic to what shadows can actually do it would be a pretty lame power.

Using Earth magic to manipulate a flock of pigeons sounds like a very cool idea again it is really just color/flavor the end result will be a block on a zone border, and I certainly wouldn't have any problem letting a player do it. After all it really isn't any different mechanically then if you'd thrown up a wall of earth or turned the ground into quicksand, a block is a block. However it is straying into lawbreaking territory, and if you're willing to sacrifice an entire flock of pigeons to stop someone or make your escape one day, then who knows what you might be willing to sacrifice the next?