"Karma"

I have been contemplating the topic of Karma for a while.

Here are a few of my thoughts, feel free to comment.

Everyone is born with a clean slate of Karma; depending on how they live their live's they accumulate good or bad karma.
We live out the consequences of our karma on this earth in this lifetime, good and bad.
We can only change our own karma from bad to good, or vice versa.
If someone hurts us, or is prejudiced towards us, that is their karma, how we react to it is our karma.
We cannot change anyone else's karma, only influence them by setting an example of good karmic living ourselves.
Have a peaceful day.