These two phenomenon actually exist but you have power to undo them if you know how. In fact, the least spiritual person can do that.
This is how:
Your heart is a blank sheet of paper and your will power is your hand holding a pen. Everything written or allowed to be written will eventually come to pass.
If you will yourself winning a big sum of money in lottery it eventually will come to fulfillment, but the moment you're hinted by your heart how it will come or it may not come. You have by yourself cancelled and destroyed the autheticity of the open cheque.
No banker in his right senses will give out money to a cancelled or altered cheque. You get the picture?
Check out my profile, links and some of my hubs here: