I am a great believer in Karma, but just what is it? Karma comes from the Sanskrit and ancient Indian Language with the underlying principal that every deed in our lives will affect our future life. For example, if we treat others badly during our lifetime we will have negative experiences later on in that lifetime or in future lifetimes. Likewise, if we treat others well we will be rewarded by positive experiences.
In religions that believe in reincarnation, this belief is very important and forms the foundations of it. In my religion, Spiritualism, we have seven principals we aspire to, one of which is number six: "Compensation and retribution for all souls." This amounts to the same thing as Karma. It means you are responsible for all your own deeds — good and bad — and there will have to be some payback for all those deeds. Who decides this? Some may say it is God; in my beliefs it is the Universe. It has to be this way. The whole concept for us being on Earth is for us to learn and become better people, and thus closer to God, the Universe, or Spirit. We are only human. As humans, we mess up. We do it all the time and that is okay, for it is through mistakes that we reinforce the learning process. However, there will be some retribution if we have hurt others. There is no escaping this.
Just how much retribution will depend on how much we have reflected and learned and how much we realize what we have done. Much, if not all of this negative karma, may be cancelled out should we give out care, love, compassion, and understanding to others.
Above all, what is most important is that we realize each and every one of us is responsible for our own destiny. "For what we sow, we shall reap". Karma also transcends time, so if we think we have escaped it in this lifetime, we are mistaken. There is a constant shifting of energy in the Universe, from negative to positive and vice versa. It is not all doom and gloom. Likewise, if we have cared for, helped, and loved others, we shall be compensated and rewarded for doing so, whether in this life or the next. Always try to put yourself in the shoes of others and try to understand not everyone has had the same life experiences as you and accept this, but always do your very best.