What I believe, which is not what you asked about, is that, a la Moricia, shit happens. Sometimes a lot of shit happens in a short period of time. I just keep plugging along until I get through the shit.
I also get very frustrated with things that happen TO me, because it often seems like I can't do anything about them. If I take problems apart and deal with the little parts of them, whether it's making a phone call or planning what I'm going to do for just today, it helps a lot. I don't believe there's any situation I CAN'T do something about. It just comes down to finding out what I have the power to affect, and what I don't. Frankly, it sometimes comes down to just deciding I don't care to feel like a victim. Sometimes, the only problem is my own attitude about something I can't change.
I don't believe in karma if it's a way of telling me to simply ride the winds of fate. If it's telling me "Here's a problem. How you deal with it, what you do about it, will contribute a bit to how your future will be," then it makes a lot of sense.