Okay, head above parapet time.
I am psychic. I don't really like the word, I prefer to call myself intuitive.
I very much believe it is a skill anybody can develop and is just one of the human senses.
I've got ZERO inclination to prove myself to somebody who actively doesn't want to believe me. I seize up at the thought of being paid for it (my baggage, I have no problem with people being paid for this) so trying to prove it for £1m, no way! I find my skill useful and so do some of my friends.
I can cold read a person from a photo or life. Animals too. My favourite story was reading from a photo of a horse that "there is a dog in the barrel." After confusing the person I was reading for and digging for more information (intuitively, not from the person) the dog was a jack russell terrier and the barrel was blue. Horrified realisation dawned on the human! Months before, in the depth of a snowy freezing winter, the human had found a jack russel terrier dead in the snow. They couldn't get off the farm to take it to be scanned for a chip, and didn't quite know what to do with the poor thing's body - the horse had seen her put the body in a blue plastic barrel with secure lid outside, to keep it safe and of course cool. When the roads had thawed enough she took the body to three local vets, who scanned it and disposed of the body. The horse hadn't seen her take the body out and had been wondering about the dog that she thought was still in the barrel.
I've never seen the horse, (apart from photos) the farm or the dog.
I don't know how I could have made up the above information or inferred it. The owner doesn't do social media, we don't share friends or contacts, and she hadn't told anybody about it because people could be a bit funny about you plonking a dead dog into a barrel, even if it makes logical sense! 
I use tarot cards - I find them helpful to bring to the surface stuff I intuitively knew already. They bring my thoughts into focus.
Do I talk to dead people? Dunno. I don't go out of my way to! I don't know where my information comes from, and I don't find it helpful to start trying to pin that down. I know some of it is from reading a person or animal directly - body language, facial expression, tone of voice, etc. I've known three people were pregnant before they knew - and I'm open to the possibility that I picked up on pheromones/hormones and embodiment. I think there's more to a person to read than that, which I loosely call their energy (I don't like it as a term because I can't pin down what that is) - and I perceive information I get from that as colours, patterns, (what others might call auras), a voice in my head telling me something, or I see a picture of something. Is the voice a spirit? Don't know, don't feel I need to know. It's a way of me receiving information.
The tuning in to a radio station is a good analogy.
I've got no interest in stage acts, and the ones I've seen I've not been impressed with.
I've been to see psychics. Some I've been impressed with, others I haven't.
I am insured for my readings, even though I don't do it as work, either paid or unpaid (befuddled I could add it to another policy I have at no additional cost). My insurer requires me to tell everybody at the beginning of a reading that this is purely for entertainment only. I've met people who work as psychics who are offended by this requirement of their own policy - I just see it as a sensible precaution to avoid being sued. shrug
I personally find intuiting the future very hard. I don't believe anything is set in stone, and my understanding is that what might be the outcome of a path somebody is on, can change with free will, if they or somebody else changes action. What I believe is possible with psychic/intuitive skills is that you can gather or confirm more info about your current situation and your options, and make an informed choice.