As Shah Rukh said in Om Shanti Om , if you really wish for something very deeply and concentrate your energies on it, the universe conspires to give it to you. This is my understanding of the good luck factor: no gemstones or charms for me.
I may be 12 but my mother says I was born 80! I am like the character in the film The Curious Case of Benjamin Button - born 80 and age-ing backwards. I feel younger with time, and enjoy myself more as the days pass.