What kind of karma is being in debt, and is it necessarily a bad thing to be in debt?

This is the past life without wealth and charity. Heavily indebted, this is a past life without wealth and charity. Therefore, although there is a fate for getting rich, there is no fruit for getting rich.

You can take out some of the money and give alms. In a few years, maybe fate will be reversed.

In Buddhism. Among them, karma.

It is a rather complex concept that refers to the negative karma created by sentient beings in their body, mouth, and mind that can obscure the right path.

Zhang San: Is it necessarily a bad thing to have debts?

Li Si: Of course not.

If you invest the borrowed money, the more you borrow, the more you earn. Your liabilities will become your premium assets. This is the leverage effect that we often hear, we often hear about deleveraging, corporate deleveraging is the repayment of debts by enterprises, and the principle is to make more money with less principal, so how do we achieve it?

If you have 10,000 yuan as your investment principal, and you use 10,000 yuan to invest, the investment income is 10% annualized, and after a year, 10,000 yuan will become 11,000 yuan, and you have earned 1,000 yuan. If you don't have the principal, you go and borrow 10,000 yuan at an annual interest rate of 3%, and you have to repay 10,300 yuan after a year. If you take the borrowed 10,000 yuan to invest, and after a year, your return on investment is 11,000 yuan, and then you repay the borrowed 10,300 yuan, then you don't have to take the principal yourself after a year, and you can still earn 700 yuan.

If you borrow 20,000 yuan, you can earn 1,400 yuan.

If you have a debt of 10,000 yuan and you earn 10,000 yuan one day, will you use the 10,000 yuan to pay off the debt, or will you use the 10,000 yuan to invest? If the interest on your 10,000 yuan debt is still 3%, and you still have an investment opportunity with an annualized return of 10%, then you can use the 10,000 yuan to invest, instead of choosing to repay the 10,000 yuan debt, which is a better rational choice.

Let's summarize, under what circumstances do you have debt, or is it better to leave debt? First of all, the money is invested, not spent, and the return on investment must be higher than the cost (interest) of debt, so that there can be leverage, which can bring you income.

In addition, I would like to remind you that all investments are risky, and the leverage effect can bring you the opportunity to invest less and return higher.

Karma is not imposed on oneself by others, nor does it arise out of thin air, let alone a "punishment" from the Divine, but is entirely caused by one's own creation.

There are many types of karma, and the root cause of karma is the three poisons of greed, hatred, and naivety, which are ultimately caused by one's own "mind".

The Buddha said that "everything is created by the mind", but in fact, all the external states are false and unreal, and they are "only manifested by the mind, and only the consciousness is changed", which corresponds to your mind one by one, and once your mind changes, they will also change. Be sincere.

karma", there is the meaning of artificiality. It refers to all the actions of our human beings who use the three karma of body, mouth, and mind to create good and evil right and wrong. The so-called "obstacles" are obstacles.

Karma, which refers to karma as an obstacle, is a metaphor for human sin. One of the three obstacles, one of the four obstacles. I'm tired of homework again. It is said that the negative karma created by sentient beings in their body, mouth, and mind can obstruct the right path, so it is called karma.

According to the Northern Nirvana Sutra.

Ten. 1. The Mahavibhasha Treatise.

One. One. 5. The Kusha Treatise, Volume 17, etc., says that of all the negative karma, the five uninterrupted karma are the karma, and all the remaining negative karma is not karma and does not hinder the practice of the holy path. The so-called five infernal karma, namely:

1) Harm the mother, 2) Harm the father, 3) Harm the arhats, 4) Break the harmony and merge with the monks, 5) Disgusting the blood of the Buddha.

There are three kinds of obstacles: disturbing obstacles, karmic obstacles, and reporting obstacles. The disturbing obstacle is the foundation, and it is precisely because of the disturbing obstacle that there is karma, and with karma, there will be retribution. In other words, if we are caused to create karma, we will have retribution for creating karma.

The so-called karma is the karma that we create, the karma of the mind, the karma of the body, and the karma of the mouth. We can create good karma or bad karma, so that there will be good or bad karma, and there is also a kind of unrecorded karma, which is the karma of not being good or evil. All the karma that we create is hidden in our alayas and becomes the seeds of future retribution, and this is karma.

Don't think that "there is no karma when you do good deeds, only if you do evil deeds, you have karma", this is not right, as long as it is work, it is karma. Buddhism uses emptiness to break all obstacles, not by doing good deeds.

Karma is indeed a karmic cause. The karmic result is to report obstacles.

What is happening in our thoughts, our words, and our actions is called karma. There is good karma, there is bad karma, and there is no calculated karma. Negative karma leads us into the three evil realms in the future, and good karma leads us into the three virtuous paths.

Only pure karma can lead us out of the six realms of samsara. There is no Amitabha Buddha in the south.

Karmic obstacles are referred to as karmic obstacles.

Karma mainly refers to the negative karma created in the past and has a bad impact on the present, which is mainly manifested in bad retribution, unhealth, physical disability, lack of intelligence, sickness, undoing things, and being disturbed by others.

Karma is artificiality, which is divided into three karmas: body, mouth, and mind. An obstacle is an obstacle. There are faults in the three karmas of body, mouth, and mind, which hinder us from becoming Buddhas. The root Buddha of karma is clearly stated in the Huayan Sutra: "All sentient beings have the wisdom and virtue of the Buddha, but they cannot attain it because of delusional attachment."

Delusion is the discriminating mind, and attachment is the self and the two attachments to the law. With delusional attachment, it evolves into selfishness, greed, ignorance, and trouble.

Greed and ignorance are the three poisons, and the most poisonous drug in the world is not as toxic as it. Among the three poisonous afflictions, the most troublesome is the naïve affliction, and the result of creating karma is bitter retribution.

Karma is the karma that hinders your practice, your life, and so on, all phenomena, people, things, such as people obstructing you, etc