1) Someone said karma created in this life will lead to the next life, and karma in the next life will lead to the next life. But does not mean the karma created will be ripened. Karma rippened only due to arising conditions. For example, if a seed does not have the conditions of soil, sunlight, temparature, etc, it will not germinate. Certainly a seed lying on a table will not be germinating. So this means that karma created in countless past lives are still yet to be rippened, and can happen any time if conditions allowed. By cultivating the path, we are creating conditions that will not favor the arising conditions for previous karma to be rippened.
Another way to look at karma is for example when we see something that reminds us of something we hate, immediately we will experience anger. This is the work of alaya is to store the memories, and these memories will be recalled when meeting arising conditions.
2) Death is like changing clothes. In this case, we change the body/form. But we will still endure the karma in the next life. By cultivating the mind will lead us on a different path. Because we are changing the path of karma because we are not trying to cultivate the path of 3 karma body, speech, and mind. Cultivating the mind is an effort to break through the chains of Dependent Origination. There are many methods to do so. And the method that I find will give me a big chance to break through Dependent Origination in this lifetime is through recitating Namo Amitabha or just Amitabha.
3) People need to follow the correct methods to cultivate the mind. If people use delusion to cultivate the mind, then this is not the correct method. Afterall Buddhism is about liberation through suffering and breaking through cycle of death and rebirth. If we use an attached mind or deluded mind to approach cultivation, we will not be successful. What is an attached mind? An attached mind is the mind that is attached to 3 karma of body, speech, and mind (greed, anger, and ignorance). Also attached to wealth, lust, fame, food, and sleep. And any other forms of attachment to this material life, if you are deliberately let yourself attach to this material life, how can you achieve liberation when it is all about detachment? Approaching cultivation with a deluded mind or attachments can lead us on the path of evil thus becoming maras ourselves if we achieve a certain level of concentration but is still attached to sex for example.
NAM MO A DI DA PHAT (VIETNAMESE)
NAMO AMITUOFO (CHINESE)