Do you believe in Murphy's law?

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Murphy's law is not a scientific law but a strong belief that " If something has to go wrong it will go wrong and at the worst possible moment." I strongly believe it does from my personal experience. I purchased a brand new bicycle to cycle around my locality for dual purpose of keeping myself fit and to move around faster through narrow lanes. With great joy I pedalled my new cycle around the streets waving at people at my neighborhood. There is a downhill path leading to my locality and I felt it would be great if I pedalled a little faster. As I pedelled faster the cool breeze became stronger and I was thrilled and enjoyed the moment. At the end of the hill I had to take a left turn and so applied breaks to slow down. But to my horror the breaks didn't work and I landed straight onto a pile of rubbish. Nothing serious but never expected the bicycle breaks would fail and I will land in such a nasty place . There are many such incidents in our life which lead us to believe that no matter how well you plan something can go wrong, if it has to; and will go wrong at the worst possible moment. We must be prepared for it. Do you believe in Murphy's law? What was your Murphy's law moment?