1. Stored karma: Good or bad deeds that stand to our account as earned and contracted in all previous bodies of the order of Creation, counting from the day of the first appearance of life on earth. Man knows nothing about them or their extent.
2. Fate or Destiny karma: The result and effect of which has brought man into his present body and has to be paid off in this life. The reaction of these karmas come to us unexpectedly and unperceived and we have no control over them whatsoever. Good or bad, we have to tolerate or bear this karma, laughing or weeping, as it happen to suit us.
3. Account of our actions and deeds in the present body karma: Distinct from the above mentioned two types. Men and women are free to do exactly as they please, within certain limits. Knowingly or unknowingly deed committed and coming under this heading bear fruit. The result of some of these we reap before we die and the residue is transferred to the karma 1 storehouse. Karma is the cause of rebirth, and each rebirth is in turn followed by death. Thus the cycle of enjoyment and suffering, which are concomitants of birth and death, continues.

“I knew that” Answered my American friend.