Luck, Serendipity or Straight Hard Work?

Luck, Serendipity or Straight Hard Work?

As they say, we would all like to get a penny for each time that we heard someone saying, “He is a lucky guy” or She has such bad luck”, while others say, “It was fate” and of course, how about serendipity? As they say, we would all like to get a penny for each time...