Hi Shirley,
1.  All signs say you are pregnant.
2.  Yes if you are 16 days late it's time to have a test.
3.  The difference in age has no effect at all (as long as
     he is young healthy & fertile).
4.  On a gross average the chances of a couple to be
     pregnant are 20% (per each cycle).  However that's
     the average and a couple can "help" the statistics (in
     the way you mentioned).  And as per every average 
     there is a percentage above averge (same below).
5.  The psychology has also an important effect (some 
     will argue it): Be calm, leave the stress aside, trust,
     love and let mother nature do the rest.  When a
     person is under stress the body creates a hurmon
     (It's name is Sorbitol, if my memory serves me well)
     that causes a whole range of bad things (e.g:
     decreases self immune system).  Refer to D"r Drahama 
     Singh's book: "Brain Longevity"......  Warn you it's a 
     900 p book....... ).
I feel you are craving to get pregnenat so I wish you best of sucsess !. 


P.S. - I have a very strong intuition.  It never miss-lead
         me.  It tells me you get pregnant now !.  Will you
         please let me know if my intuition was right ?