A man is greedy. He is materialistic. He is a successful and very savvy businessman, and secretly gloats over his ability to charm or manipulate others so he can continue to accumulate money and material things. Then one day he finds himself a pauper, having been outdone by another with greater charm or manipulation skills. Is this karma? It certainly is.

Where one's trouble can be traced directly to one's own actions in this lifetime, is an example of karma.

Not karma: A car accident, where one is driving down the highway, rounding the curve and finds himself in a head-on collision. Did the victim cause this accident somehow? It was simply a matter of time and place, a matter of chance. These situations do not involve karma, not even as retribution from a former lifetime, which never occurs. Each time we pass through this life is truly a fresh start.

Karma comes from our own thoughts. We create our own karma, and WE are the only one