I believe in a "higher power" that is a genderless, divine, universal, and in many ways, incapable of being fully understood by the human mind. If you're familiar with the Hindu "Brahman" or the Cabalistic "Kether" you'll have a better understanding of what I mean. I believe that this supreme universal force has many different names that humans have attributed to it in order to access it.
When it comes to psychics, I believe that we all possess an intuition and inner-knowing- I don't think that specific people are "chosen" to have these "gifts." I believe that we can all access our intuition and spiritual mind if we so choose to seek it.
Magic, I believe is simply another way of describing what a lot of people now call the "Law of Attraction." Through thoughts, words, and actions, we can will something to change in our own lives, and/or the world around us. Prayer can also be considered "magic" in some ways- if you are praying for change, you are petitioning a divine energy (god, goddess, etc. Whatever you choose to call the divine) and requesting that according to their will, your request be granted.
My faith is very non-denominational in all senses of the word. I pray to the divine as my Mother and Father, I enjoy learning about every faith under the sun (especially Gnosticism, Cabala, and Hinduism) and not living by a set of rules and dogmas.
I believe that "bad luck" is simply our own negative thoughts, words, and actions manifesting itself into our lives. I don't believe that it's the result of some type of spell or punishment. I think it is our own doing, and can easily be changed by changing the way we think- turning a negative into a positive.