Action And Effect

What is karma? When this question is being asked by someone, people will link this together with Hinduism and Buddhism. (Hinduism and Buddhism) The effects of a person’s actions that determine his destiny in his next incarnation. Because of this, lots of most of the people thinks that karma is just some religion talking, it doesn’t have anything to do with our real life. Even worse, certain people will start to think, I’m with other religion, therefore, karma doesn’t apply to me. Is karma a f