Fate, destiny, KARMA, LUCK, and FORTUNE are all terms that refer to the idea that life is predetermined by a higher power or force. KARMA is a Hindu and Buddhist concept that states that one's actions have consequences in this life and future lives. LOT is a term used in the Bible to refer to God's will or divine providence. FATE is the idea that one's life is predetermined by a higher power or force. Goom is an old English term for FATE or destiny. LUCK is the belief that one's life is determined by chance or randomness. Kismat and KISMET are both Arabic words that refer to FATE or destiny. FORTUNE is the belief that one's life is determined by LUCK or chance.