I believe in Fate.
Some call it Luck...If you have a close call with a bus,someone may say 'You were Lucky it didn't hit you''.
Fate = It was not your time to die....Luck is just a word, that has taken over Fate.
Oh yes...I firmly believe that. Sometimes you just need a little luck. Like the time when you spill something on your shirt before you leave for work, only to find that you had it on inside out! That was lucky!
I think we make our own luck. If you look loosely at the person who seems to have luck, you'll notice that usually they work harder than others or have some trait like friendliness that somehow makes them more lucky. What you put out is mostly what you get.