[GoNative]

Not being even slightly religious or a believer in anything somewhat supernatural I don't have any belief in a concept of karma that's some sort of cosmic reward or punishment system.

It only makes sense though that if you treat others well and are compassionate and giving then you're more likely to have other people treat you similarly. And if you treat others badly and live a life of hate and anger then I wouldn't be expecting happiness to come your way too easily. No mystical or religious explanations required to work that out.