Debts that must be paid ... that sums up the concept of karma. But I would add that karma is not a burden that you have to carry. It is also an opportunity to learn, a chance to practice love and forgiveness, a chance to learn lessons that are valuable to us. Karma offers us the chance to wipe our dirty slate clean, to erase the wrong doings of the past.

This is what happens to man in death. He puts off his overcoat, or what we call the physical, the gross body, and he is clothed in what, for the time being, I would call the astral body. The man continues to be the same, even as I would continue to be the same, if I took off this shawl. I would then appear to you in my shirt, but I would continue to be the same man.

Happiness, true happiness, is an inner quality. It is a state of mind. If your mind is at peace, you are happy. If your mind is at peace, but you have nothing else, you can be happy. If you have everything the world can give - pleasure, possessions, power - but lack peace of mind, you can never be happy.

Whenever you have taken up work in hand, you must see it to the finish. That is the ultimate secret of success. Never, never, never give up!

When we begin to understand the concept of Karma we will never ever blame God for anything that happens to us. We will realise that we are responsible for all that happens to us. As we sow, so shall we reap. Rich or poor, saint or sinner, miser or philanthropist, learned or illiterate ... This is the Universal Law that applies to individuals, to whole communities, societies, nations and races. As we sow, so shall we reap.

The mark of one who loves God and saints is sacrifice.

Ascetics and fakirs come to mitigate human suffering; to heal us and lead us on the path. They put up with criticism; they go through many worldly trials. Some of them have even become martyrs for our sake. But they have done all this with a smile and with gratitude to God. Hence sacrifice is a great virtue.