Heard a great description of "bad karma" from a good ol' boy the other day that I have already stolen, have used and will use again in the future!

He works construction and has been out of work for months, his unemployment is running out, and has just had a run of bad luck on top of that. So he says to me "My luck is so effin bad that if I was standing outside, and it started to rain soup, I'd be there holding an effin fork!"