The hypothesis of Karma is somewhat misunderstood. Karma is about living a balanced life. For each action of free will there is goodness or fatalism of the act that creates a ripple effect in our soul's life stream. Karma and reincarnation are inseparable. Cause and effect = continual cycle.
" Dear Sir/Madam,
I regret to inform you that have run up serious debts of bad karma. Unless you dedicate some serious time immediately in accumulating good karma,a series of unfortunate misfortunes until your debt is paid off."
Today many of us use the term 'what goes around, comes around' or 'you reap what you sow'. If we live our lives by the code of wishing people happiness and goodwill, of performing charitable actions, the universe banks these positive actions and rewards us at some point down the road. However, by performing the song 'what's in it for me', and expecting an immediate reward, will bring disappointment. Acts of kindness and goodness are only genuine if delivered to the universe with a non-self-serving-spoon.
We all experience days were we are cut off by an overly aggressive driver, a boss who is unfairly condemning. It is then that you might like to 'wish' something unkind for them or deliver a bucket of explicit language. Instead invite good karma in to your life; send them light, wish them a safe drive. By practicing this little wish you will put yourself in a better mood, put a smile on your face and a dollop in the vast bucket of karma.
As one of my favourite authors Wayne Dyer says ::
'How people treat you is their Karma; how you react is yours."
"Thoughts lead on to purposes,
purposes go forth in action,
actions form habits,
habits decide character,
and character fixes our destiny."