I found this utterly interesting and I think you should read it! Although it's a bit long, but anyways, I encourage you to read it ^-^
Source: Audrey Kitching's buzznet blog
This topic is extracted from Farley Malorrus's show on July 17th 1987, August 20th 1987 and September 20th 1988, containing variations on the subject of Karma. The essence of self-Karma is presented here.
The topic of Karma is related to your current Soul state of growth in this third dimension of Earth. The personal balance that we accumulate in one's debit and credit bank has a lot to do with which area you are destined to grow the most, and the area where your Karma is focused.
The Karma in America is so different to that in other parts of the world. If you live in South Africa, most of your Karma would be related to actions of physical survival and the kind of race relationships that are developed between people. Life in the ghetto and certain parts of our inner cities are similar, due to the gang violence, but thankfully, many parts of our country are buffer or safety zones.
The Karma of self in America is often a focus on a lack of career and relationships, where the biggest pain suffered is rejection. Therefore, if this is the crossroads that you've arrived at during your spiritual evolutionary journey in this dimension, then obviously you have overcome most of the physical and painful Karma that other people and nations are intimately involved in. This is the painful Karma of violent war, and Karma of obtaining basic needs such as food, shelter and clothing.
Until you have resolved and fulfilled your Karma, you will continue to reincarnate into sequential lifetimes on Earth. Neither God nor the Lords of Karma bestow suffering upon you during these lives. Only you decide what is needed to learn during your earthly sojourn. For each life experience you seek out other souls, often with shared histories, and always with karmic configurations matching your needs. Whenever you act with wrongful intention you create Karma. This involves such actions which are considered to be connected with thoughts, emotions, words and deeds, together with the motive intent and desire behind each. Dis-harmonious acts must be balanced in the future, either during this life or in a future lifetime beyond this one. These actions are rooted in fear-based emotions which must be resolved where you can release yourself from the wheel of Reincarnation. You return lifetime after lifetime to test yourself to see if you have learned your lesson. Until you can go through an entire lifetime with total involvement and no disharmonious attachment what so ever, you will continue to reincarnate. In other words, when you can live a life of perfect harmony, liberation will follow, which is quite difficult, in being human.
During ones' life in this dimension a few mistakes can occur due to being vulnerable. Until you discover the importance of being spiritual without obsession, you will continue to make and experience the wrong choices. When we incarnate here on Earth, most humans—which is 99.9% of us—come into life here with debts and credits from experiences, actions, thoughts, words and events from past lives (unless you are a Bodisatva having virtually Karma free energy, who comes here to just teach, share and help others evolve). I know there are those out there who like to believe that they are pure, clean, clear and perfect beings. Things happen to them like car accidents; someone totals their car, or their pets get killed, or they lose friends or family, they get rejected in relationships, God forbid they have a horrible health Karma fall upon them.