The wise speak not of karma. They do all to be pure and free of karma and tell all to know it.
The grandstander tells you all about karma but does not tell you how to fix it since he/she never took the time to celebrate life, free of karma. He/she only talks about it since it sounds so wise.
So you make your choice. Begin now to fix it fast since time is ticking. Smile. Do good in the world. Kindness begets kindness.