The symbolic form of either disembodied spirits exist or psychic hoaxes are rampant is

In propositional logic, this sentence can be symbolized as pVq. 

Propositional logic deals with propositions being true or false. Basic logical connectives are AND, OR, NOT. "OR" is a disjunction connective, symbolized by "V"

The symbols p and q refer to propositions or statements that are connected together to make a compound statement. Connecting two statements with or is a disjunction. In a disjunction, the compound statement is true if and only if statement p OR statement q OR both statements are true. The compound statement is false if and only if statement p AND statement q are both false.

In the example above, the statement "disembodied spirits exist" is statement p, while the statement "psychic hoaxes are rampant" is statement q. 

You don’t list any options but the one that frets overspending and the consequences of that.