Luck or Karma

Ok I want everyone's opinion on this. When something happens that really beifits you, is it karma or just plain luck ? I personaly believe that it's a combo of both. I think that karma does exsist with the assistance of luck to help inforce the karma. I always have my sterling silver ring on because my grandfather gave it to me and ever since then, whenever I take it off, something bad happens. So i just want to know what everyone else thinks about this confict and if anyone else shares my belief and always has something with them to help with luck/karma.

 

I don't believe in luck; we make our own. But karma, I do believe it. I often lie to my parents about school and try to make up for it, but it usually turns out bad in the end. Then I started helping other people out and - BOOM! - I'm back on track. I'm so scared of karma that I won't even spend the $200 that my cousin-in-law gave me (mainly because they're two $100 bills; can't just ask my parents, "Got change for a hundred?") and I plan to give it back to him on Christmas. The only time when luck applies is in video games with that LUK stat.