What goes around comes around

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I totally believe in Karma and do what I can to help others out when they need it. So why does Murphys Law (what can go wrong will go wrong) come to bite me on the butt. Seriously though I would like to here your thoughts on karma. I also believe in paying it forward. I think it is a great concept. If only there were enough people in the world who could think of someone other than themselves we could all be happy. Selfish people really annoy me because they don't consider how their actions affect the people around them.