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Intro about Karma

He had always been a good and responsible insurance agent, careful with client's payments, prompt with delivering contracts. But one day, he lost INR 15 000 cash that a client had given him as deposit for insurance premiums. He could not believe his misfortune. Why did he make an exception by accepting cash instead of cheque?! If he had insisted on a cheque from the client, this would not have happened. He could not find the missing cash. In the end, he paid the premium with his own money. And put the whole incident down to bad luck.
But his wife knew better. Her conscience pricked her. She remembered an incident in her office last week. She had stood by and watched her junior colleague pay INR 1 500 out of her own pocket because the young girl had made a mistake in her work and caused a small loss for the company. She could have prevented the loss by correcting the young girl's mistakes. But she didn't. She wanted to teach the girl a lesson because she was tired of correcting the girl's numerous daily mistakes. She thought that if the girl had to pay for the loss, she would become more careful. So she had remained silent as the girl cried, lamented and parted with her precious money.
Now she knows that she was learning the lesson instead. Her deeds last week had come back to affect her, and her husband is paying the price, tenfold. It was the law of 10-fold karma in action. (Note: This is a true incident and we have maintained the privacy of the people involved by excluding their names)

What is Karma?

Karma is the manifestation of the law of Cause and Effect. It applies as the consequences of our decisions and actions, within a framework of free will.
If our thoughts, desires, passions, words and actions are benevolent and helpful to others, they are considered to be good Karma. We will then be rewarded for that good karma in this life, between incarnations, and even in later lives. Plato has been known to refer to a 10-fold return for the good deeds and services we do for others.
On the other hand, if our thoughts, desires, passions, words and actions are malevolent or harmful to others, we accumulate bad karma, and the consequences are also 10-fold.
Karma is not a punishment; rather it is a learning experience designed to help us grow and ascend to higher levels of spirituality. It is considered a law of the Universe that takes effect spontaneously.