is your life now the result of what you are in the past?

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i just attended a buddist seminar and the topic is about the law of karma...they define karma as an act or action done by a person which will surely have an effect or reaction afterwards..in short in every actions there will always a corresponding effect..and that reactions may be good or bad depending on the cause done..some examples are when you commit adultery in your past life you will be single in your present life, when you fail to help the needy and helpless you will be poor in this present times etc...are those acceptable basis or standards to justify once life on this present times?tnx in advance for your comments...