Hi Robert

Karma, in literal terms, translates to actions but it's inclusive of your thoughts and words as well.

It is said that every Karma will have a consequence. A good Karma will have a good consequence and a bad Karma will have a bad consequence. Fulfilment of one's Karma requires these consequences to occur.

Say for example, you you steal money from somebody in this life. For fulfilment of this bad Karma, you will get robbed in your next life or maybe face something similar. This would mean that your 1 Karma got fulfilled. Similarly, if you offer money to the needy in this life, somebody will help you in the next life.

Since this applies to your thoughts and words too, and since we're not all supreme beings, the number of Karmas can be huge. The more Karmas a soul has to fulfil, the longer his journey gets before he's finally released from the cycle of birth and death.

Karmic point refers to the stage your soul is at right now. You have taken birth in form of Robert to fulfil some karmas and in your list of Karmas, the fulfilment point that you have reached is called as the Karmic point.

Masters, as of any religion are gods themselves. All of this information can be found in the Hindu Vedas which were compiled by Vyasa but the knowledge was passed on to him by the god himself.

Hoping your doubts are clear now, thank you for reading :)