Last night I was trying to educate myself in karma management using something as simple as Google. The very first text I found was quite informative. However, I got a bit disappointed about it, because the case used there to illustrate The Law of Karma was the infamous conflict between Phil Kirkoroff and the pink blouse.
Let's take an example of a sequence of events. An unpleasant sensation occurs. A thought arises that the source of the unpleasantness was a person. (This thought is a delusion; any decisions based upon it will therefore be unskillful.) A thought arises that some past sensations of unpleasantness issued from this same person. (This thought is a further delusion.) This is followed by a willful decision to speak words that will produce an unpleasant sensation in that which is perceived as a person. (This decision is an act of hostility. Of all the events described so far, only this is called a karma.) Words are carefully chosen in the hopes that when heard they will cause pain. The words are pronounced aloud. (This is the execution of the decision to be hostile. It may also be classed as a kind of karma, although technically it is an after-karma.) There is a visual sensation of a furrowed brow and downturned mouth. The thought arises that the other person's face is frowning. The thought arises that the other person's feelings were hurt. There is a fleeting joyful feeling of success in knowing that one has scored a damaging verbal blow. Eventually (perhaps much later) there is an unpleasant sensation of regret, perhaps taking the form of a sensation of fear that the perceived enemy may retaliate, or perhaps taking the form of remorse on having acted impetuously, like an immature child, and hoping that no one will remember this childish action. (This regret or fear is the unpleasant ripening of the karma, the unskillful decision to inflict pain through words.)