8. Karma works on the simple principle of "as you sow, so shall you reap" and "what goes around comes around" so that you learn to love.

9. Karma begins and ends in love. When you bring more love into any situation, you transform "bad karma" into "good karma".

10. Your personal karma is this: you get what you agree to deserve through the focus of your thoughts, emotions, and actions.

11. The unresolved issues from your past lives form the pattern of the lessons you must learn and what you agree to deserve in your life now.

12. Your body, your mind, and your emotions guide you through your experience of life and the resolution of your karma.

13. Your body's abilities (and disabilities) create your opportunities for the unfoldment of your karma now.

14. Your mind - your ideals, beliefs, attitudes, and thoughts - is magnetic and attracts what it focuses on with the most intensity.

15. Your emotions - energy in motion - is the rocket fuel that powers the creation that your mind is most consistently focused on.

16. What you focus on with your consistent actions, your dominant thoughts, and your passionate emotions is what you create.

17. Your creations are governed by the laws of the universe. The first is the Law of Neutrality: all laws apply equally to everyone no exceptions.

18. The second is the Law of Agreement: all that happens is by prior agreement based on karmic justice between all the parties involved.

19. The third is the Law of Lessons: we learn from experiencing polar opposites of life until we evolve into divine love, joy, and awareness.

20. The fourth is the Law of Cause & Effect: what you have done to others in the past (cause) weaves the agreement of the future (effect).

21. The fifth is the Law of Balance: Imbalances drive reincarnation. "What you bring hate to, you reincarnate to" until balance is achieved.

22. The sixth is the Law of Attraction: your belief-karma generates your thoughts, guides your actions, and creates your results.

23. The seventh is the Law of Connection: you manifest your desires into reality when you allow, believe, and expect this will happen.

24. The eighth is the Law of Expansion: you expand through chaos, reorganization, and order in an endless cycle of change and growth.

25. The ninth is the Law of Unfoldment: you learn life lessons at your own pace as you journey by reincarnation through time.

26. The tenth is the Law of Empowerment: you take control of karma by accepting responsibility for your life and by acting from love.

27. The eleventh is the Law of All Possibilities: whatever you can dream, you can do, be, or have - this is your divine birthright.

28. The twelveth is the Law of Love: Karma propels your journey through the universe. Karma ends when you have perfected your ability to love.

29. Problems result when you are disharmony with these laws: your body gets ill, your mind gets troubled, your emotions get out of control.

30. The universe is neutral: you have attracted everything in your life and until you accept this fact... your life karma cannot improve.

31. The universe operates by agreement: like attracts like. You become what you consistently place your mental and emotional attention on.

32. The universe sends you lessons: you will face the same problems over and over again until you bring more love into the situation.

33. The universe is based on cause and effect: unloving effects are always the result of unloving causes, mainly your dominant thoughts.

34. The universe seeks balance: what you focus on with thought-feeling - positive or negative - is what you attract into your experience.

35. The universe works on focus: when you focus on what you do not want you will still attract it because you get what you focus on.

36. The universe connects with your thoughts and feelings: what you manifest is always a match to your thoughts and feelings - no exceptions.

37. The universe is always expanding: it always challenges you to create your own universe exactly as you want it to be.

38. The universe is always unfolding: it always is showing you that you are the only one who is in charge of creating your reality.

39. The universe strives to empower you: no one else can think or feel or vibrate for you so it is up to you to claim your own power.

40. The universe responds to your desires: you start with nothing but an idea and from that idea the universe will help you to make it real.

41. The universe responds to love: it wants to give you what you desire because you are loved... it needs you to be clear about your desires.

42. If you are not getting what you desire, you need to change what you are thinking, how you are feeling, and what you are doing.

43. When you are thinking, feeling, speaking, and acting in ways that are not consistent with your deepest desires, you cannot manifest them.

44. To get what you desire, you must think, feel, speak, and act as if you already possess what you desire... act "as if" and it will be so.

45. When you focus on what you do not want, on what you fear, on what you worry about, that is what you attract and create into your reality.

46. When you think, speak, and worry about illness and disease, you are drawing illness and disease into your body, mind, and emotions.

47. When you think, speak, and worry about money, debts, and lack, you are inviting poverty and scarcity into your economic reality.

48. When you think, speak, and worry about people hurting, betraying, and mistreating you, you are inviting karmic partners to hurt you.

49. When you offer the majority of thoughts and emotion to what you are observing (illness, debts, hurts), you cannot change your life-karma.

50. To change your life and karma, you need to change where you are investing the majority of your thoughts and emotions.

51. What you have thought in the past has created your present. To change your future, you must invest in different thoughts and emotions.

52. Only you can change your reality: no one else can think, feel, speak, and act for you... only you can change your reality.

53. Think, feel, speak, and act as if you have vibrant health and it will be so: you cannot manifest your desires without good health.

54. Treat your body as the temple of your spirit: worship it with good nourishment, laughter, fresh air, refreshing sleep, exercise, etc.

55. Think, feel, speak, and act as if you have abundant wealth and it will be so: you cannot manifest your desires without resources.

56. Thank the universe for the flow your abundance. Joyfully send money out into the world, knowing that even more will come back to you.

57. Think, feel, speak, and act as if you have great relationships and it will be so: you cannot manifest your desires without helpful people.

58. Love yourself, become who you wish to attract, treat yourself the way you wish to be treated by others... and you will be loved.

59. Transform your karma now by... first by getting in the habit of consciously choosing your thoughts, emotions, speech, and actions.

60. Then decide what you want, believe you deserve it, know that you can have it, and be certain that your dreams are possible for you.

61. Since karma is what you agree to deserve, to transcend karma you need to agree to deserve more by resolving your life issues.

62. Then bring more positive emotion to your speech and actions: the more excited you feel, the quicker the universe responds.

63. You can change your emotions to positive ones by thinking of happy experiences, by smiling, by laughing, by doing what makes you joyful.

64. Then bring more gratitude into your situation: the more you show appreciation for what you have received, the more you will receive.

65. To express gratitude, start thinking, feeling, and speaking "I am so happy now because I am grateful for [whatever you got]..."