The path we tread

[AscendingTunes]

Once again let us look at the picture below: that portrays "How Karma works".

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Doesn't that clearly explains the effects of Karma !?

The answer to "who creates Karma?" is simple.

YOU, create your karma.
You, thus create your own destiny.
Your thoughts do.
Your desires creates Karma
When you add more desires, your Karmic results keep modifying.
Your actions and reactions enhances and directs your own destiny and Karma.