Frane Selak (born 1929) is a Croatian music teacher famous for his numerous escapes from fatal accidents: In January, 1962, Selak was traveling via train from Sarajevo to Dubrovnik. However, the train had suddenly derailed and plunged into an icy river, killing 17 passengers. Selak managed to escape, and only suffered a broken arm and minor scrapes and bruises. The following year, while traveling from Zagreb to Rijeka when the door blew away from the cockpit, forcing him out of the plane. Although 19 others were killed, he suffered only minor injuries and had miraculously landed in a haystack. In 1966, he was riding on a bus that crashed and plunged into a river. Four others were killed, but Selak managed to escape unharmed. In 1970, he managed to escape before a faulty fuel pump engulfed his car into flames. In 1973, another of Selak's cars caught fire, forcing fire through the air vents. He suffered no injuries save the loss of most of his hair. In 1995, he was hit by a city bus, but once again suffered minor injuries. In 1996 he escaped when he drove off a cliff to escape an oncoming truck. He managed to land in a tree, and watched as his car exploded 300 feet below him. In 2003 he won $1,000,000 dollars in the Croatian lottery, and had stated that "I know God was watching me over all these years." He has reputedly refused to fly to Australia to air on a Doritos commercial, saying he "didn't want to test his luck." He has said that he can either be looked as "the world's unluckiest man, or the world's luckiest man," and prefers the latter. Is this person lucky or unlucky?

John Lyne could well be Britain's unluckiest man. 'Calamity John' has suffered 16 major accidents in his life, including lightning strikes, a rock-fall in a mine and three car crashes. 'I don't think there is any reason or explanation. Things could have been much worse and I could have died but it doesn't worry me too much.' Mr Lyne's mishaps cover a lifetime and he has even been known to suffer two accidents at once. As a child, he fell off a horse and cart – only to be run over by a delivery van. When he was a teenager, he broke his arm falling from a tree. On his way back from hospital, his bus crashed, breaking the same arm in another place. The date, of course, was Friday the 13th. Is this person lucky or unlucky?

William "Bud" Post won $16.2 million in the Pennsylvania lottery in 1988 but now lives on his Social Security. "I wish it never happened. It was totally a nightmare," says Post. A former girlfriend successfully sued him for a share of his winnings. It wasn't his only lawsuit. A brother was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. Other siblings pestered him until he agreed to invest in a car business and a restaurant in Sarasota, Fla., - two ventures that brought no money back and further strained his relationship with his siblings. Post even spent time in jail for firing a gun over the head of a bill collector. Within a year, he was $1 million in debt. Post admitted he was both careless and foolish, trying to please his family. He eventually declared bankruptcy. Now he lives quietly on $450 a month and food stamps. "I'm tired, I'm over 65 years old, and I just had a serious operation for a heart aneurysm. Lotteries don't mean (anything) to me," said Post. He died on Jan 15 of respiratory failure. Is this person lucky or unlucky?

A British officer, Major Summerford, while fighting in the fields of Flanders in February 1918 was knocked off his horse by a flash of lightning and paralyzed from the waist down. Summerford retired and moved to Vancouver. One day in 1924, as he fished alongside a river, lightning hit the tree he was sitting under and paralyzed his right side. Two years later Summerford was sufficiently recovered that he was able to take walks in a local park. He was walking there one summer day in 1930 when a lightning bolt smashed into him, permanently paralyzing him. He died two years later. But lightning sought him out one last time. Four years later, during a storm, lightning struck a cemetery and destroyed a tombstone. The deceased buried here? Major Summerford. Is this person lucky or unlucky?

"Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of $5.4 million. Today the money is all gone and Adams lives in a trailer. "I won the American dream but I lost it, too. It was a very hard fall. It's called rock bottom," says Adams. "Everybody wanted my money. Everybody had their hand out. I never learned one simple word in the English language - 'No.' I wish I had the chance to do it all over again. I'd be much smarter about it now," says Adams, who also lost money at the slot machines in Atlantic City. "I was a big-time gambler," admits Adams. "I didn't drop a million dollars, but it was a lot of money. I made mistakes, some I regret, some I don't. I'm human. I can't go back now so I just go forward, one step at a time." Is this person lucky or unlucky?

Do you consider yourself to be a lucky or unlucky person?