To be honest, i'm torn between believing it or not. But me being me, i like taking neutral ground on everything. But if i look back in my life and observe the good and bad things that have happen to me, well it's pretty interesting. That most of the 'bad' or unlucky stuff in my life have happen early on in my life, and in quick succession as well. Though i have to admit that right now, i reckon i'm pretty lucky. Not to mention all the really lucky stuff that has happen to my recently has been one straight after the other as well. There's definately something interesting in that.
This is just my own personal theory but i reckon karma is just a metaphor for the energy that drives us through life. And that all energy can be directed by our will. It just the same theory as in if you think something in a positive light then good things will be bestowed upon you and dito with the negative light thingy. But it's not all about the action we take but also aura we give off, as well as the way we think, talk, and act.
But i just think it's funny when ppl take about karma cause well, how can you tell it your own karma that is giving you good luck or bad luck. I mean if you think about it, everybody has karma right? Then wouldn't everybody's karma have an affect on everyone else? So how can you ever tell it was specifically your karma that influence your own good and bad luck? Or payback as we like to call it?