This document discusses the Hindu concepts of karma and destiny. It explains that a person's current circumstances, whether rich or poor, are the result of karma from past lives. Destiny is shaped by one's cumulative karma, but people still have free will to perform new karma through their actions. Good or bad karma can influence both immediate and long-term outcomes in this life or future lives. The document advises accepting one's situation as due to past karma, doing one's duties without harming others, and creating a positive destiny through good karma such as selfless service.

1. Believe in yourself

2. Why does a child born into a rich family gets everything without doing any Karma and why does a child born into a poor family go hungry?

3. Why do some people have a hard life compared to others? How is their Karma different than the others Karma?

4. What is Destiny(Bhagya)? “ Destiny” is result of your past “Deeds”. We all do good or bad karma through out our life and create destiny for our self. Our destiny bounds us again to do the karma as per defined destiny; it’s a cycle of Karma and destiny of human being.

6. Classification of Karma… ? Sanchit (Accumulated from previous births) Kriyamaan (Being performed in present life with freewill) Prarabdh (Part of Sanchit karma allocated to be executed in present life) Karma Phal-Ansh Shudh Good deeds Beneficial for all Ashudh Bad deeds arising out of Greed, Lust, Anger, Ego, Jealousy & Attachment Drashta (visible) Adrashta (invisible) Tatkalik (immediate) Kalantarik (Long term) Lokik (within this life span e.g. Hate, Love, Respect ) Parlokik (accumulate for future births)

7. Study well, Pass exam with good marks... Do not study ----- May fail. Philosophy of How Karma creates Destiny? Pass or Fail is result of your “Deed” – karma - STUDY

8. Philosophy of Bhagya (Destiny), Freewill & Karma Rope limit is Destiny Choice to move is Freewill Grazing is Karma A Cow is tied up with a rope. She has a limitation that she can’t move beyond a certain distance, But she has freedom to graze & move within the circumference of Circle possible .

10. Create your own destiny by doing good karma…