"An Occultist or a philosopher will not speak of the goodness or cruelty of Providence; but, identifying it with Karma-Nemesis, he will teach that nevertheless it guards the good and watches over them in this as in future lives; and that it punishes the evil-doer, aye, even to his seventh rebirth, so long, in short, as the effect of his having thrown into perturbation even the smallest atom in the Infinite World of harmony, has not been finally readjusted. For the only decree of Karma—an eternal and immutable decree—is absolute Harmony in the world of matter as it is in the world of Spirit. It is not, therefore, Karma that rewards or punishes, but it is we who reward or punish ourselves, according to whether we work with, through, and along with nature, abiding by the laws on which that Harmony depends, or—break them.
"Nor would the ways of Karma be inscrutable, were men to work in union and harmony instead of disunion and strife. For our ignorance of those ways—which one portion of mankind calls the ways of Providence, dark and intricate, while another sees in them the action of blind Fatalism, and a third, simple chance, with neither gods nor devils to guide them—would surely disappear, if we would but attribute all these to their correct cause....
"We stand bewildered before the mystery of our own making, and the riddle of life that we will not solve, and then accuse the great Sphinx of devouring us. But verily, there is not an accident in our lives, not a mis-shapen day or a misfortune, that could not be traced back to our own doings in this or in another life...."
On the same subject, Mrs. Sinnett says in The Purpose of Theosophy:
"Every individual is making Karma either good or bad in every action and thought of his daily round, and is at the same time working out in this life the Karma brought about by the acts and desires of the last. When we see people afflicted by congenital ailments, it may be safely assumed that these ailments are the inevitable results of causes started by the same in a previous birth. It may be argued that, as these afflictions are hereditary, they can have nothing to do with a past incarnation; but it must be remembered that the ego, the real man, the individuality, has no spiritual origin in the parentage by which it is re-embodied, but is drawn by the affinities which its previous mode of life attracted round it into the current that carries it, when the time comes for re-birth, to the home best fitted for the development of those tendencies....
"This doctrine of Karma, when properly understood, is well calculated to guide and assist those who realise its truth to a higher and better mode of life; for it must not be forgotten that not only our actions, but our thoughts also, are most assuredly followed by a crowd of circumstances that will influence for good or for evil our own future; and, what is still more important, the future of many of our fellow-creatures. If sins of omission and commission could in any case be only self-regarding, the effect on the sinner's Karma would be a matter of minor consequence. The fact that every thought and act through life carries with it, for good or evil, a corresponding influence on the members of the human family renders a strict sense of justice, morality, and unselfishness so necessary to future happiness and progress. A crime once committed, an evil thought sent out from the mind, are past recall—no amount of repentance can wipe out their results on the future....
"Repentance, if sincere, will deter a man from repeating errors; it cannot save him or others from the effects of those already produced, which will most unerringly overtake him either in this life or in the next rebirth."
We will also quote a few lines from E. D. Walker in Reincarnation:
"Briefly, the doctrine of Karma is that we have made ourselves what we are by former actions, and are building our future eternity by present actions. There is no destiny but what we ourselves determine. There is no salvation or condemnation except what we ourselves bring about.... Because it offers no shelter for culpable actions and necessitates a sterling manliness, it is less welcome to weak natures than the easy religious tenets of vicarious atonement, intercessions, forgiveness, and death-bed conversions....
"In the domain of eternal justice, the offence and the punishment are inseparably connected as the same event, because there is no real distinction between the action and its outcome.