Karma...

When we begin to understand the concept of Karma we will never ever blame God for anything that happens to us. We will realise that we are responsible for all that happens to us. As we sow, so shall we reap. Rich or poor, saint or sinner, miser or philanthropist, learned or illiterate ... This is the Universal Law that applies to individuals, to whole communities, societies, nations and races. As we sow, so shall we reap.

Bad karma is the spiritual debt one has accumulated for one's mistakes from all previous lives and this life. It includes killing, harming, taking advantage, cheating, stealing, and more. On Mother Earth, when you buy a house, you take out a mortgage from a bank. This mortgage is your debt to the bank. You pay every month for fifteen, twenty, or thirty years to clear your financial debt. In the spiritual realm, if you have bad karma, you may have to pay for many lifetimes to clear your spiritual debt.

ZHI GANG SHA, The Power of Soul