Karma or Fate?

Drop mobile battery in loo 5 days later KARMA Cause and Effect Action and Reaction Karma is not Fate! 20 mins late picking son up from school. I AM NEVER LATE!!! Printer/scanner broken Digital camera gets wiped. Incl. daughters 1st christmas All in the space of a Week"! New mobile phone ends up in washing machine Lost whilst driving, phone dies! poster yourself Karma or Fate"!!"!"!"!