"karma is not eternal. the effects of karma may be very old indeed. we are suffering or enjoying the effects of our activities from time immemorial, but we can change the results of our karma, or our activity, and this change depends on the perfection of our knowledge."

the is the supreme lesson of karma — take care of the problem now, or else you'll have to suffer again later when you screw everything up the next time. and that repetition of suffering — that's hell. moving out of that endless repetition to a new level of understanding — there's where you will find heaven" EPL

I believe these come from a book called Eat Play Love which I have not read but have heard good and bad about.

Thanks for the thought provoking questions.