Although I don't believe in "luck" per se, I do believe that there are those who are predisposed to repeated instances of random events gone bad. I am one of those people.
Here is one of the most recent debacles which occured in a period of 24 hours:
The water main at my house breaks. I find the source of the leak, dig seven feet down, and spend all day repairing it. While testing the repair, I discover that the drains in my house are now stopped up. The source of the problem is of course below the foundation, and not a simple fix. I cut the pipe just above the spot where it disappears into the foundation. I spend a few hours with an auger, and finally get it flowing again. Proud of myself for a job well done, I go to bed and awaken the next morning and discover my wife's car has been broken into, and her stereo stolen. They have of course cut the power wires and shorted out the battery which halfway melted under the hood. I remain optimistic, and consider myself lucky that the battery didn't catch on fire and incinerate my wife's car completely. That evening while watching television in bed, a circuit breaker pops and the power goes out in the house. As I get up to investigate the problem, I notice an orange glow around the access door to the attic. I quickly realize that my house on fire. I get the garden hose and have it put out just as the fire department arrives. They inform me that I'm lucky we weren't killed in the fire. Had we been sleeping the entire house would have gone up in flames, and I was lucky that I only have to have my roof replaced.
Since I am used to such things happening to me (Three flat tires in one day from separate causes... The list goes on, believe me), I informed the firemen that I simply cannot die. If I were to expire, the bad luck gods would no longer be able to toy with me :-)