The translation of "Karma" I want to know the colloquial chinese translation of "Karma".

The conversation example:

Bob: She had financial problem for 30 years and never got a decent job besides labor.
Me: I guess it's karma. &lt;== I need translation of karma in this context.

Note: the karma here refers to fruit/result of her past karma in buddhism.

UPDATE:

Second case:

One day, my dad just lost $5 in his pocket when walking home. My mom heard that and she said "I remember once you took $5 on the street, so I guess it's karma".
I guess it's karma！
我想这就是报应吧！

Karma = 因果报应