Transactions and Karma

Any act where a sense of ownership comes, is karma.
This accumulates as pleasure or pain for the coming times.

10th house is the house of karma.
When the 10th lord goes into 8th or 12th house from 10th house,
namely the 5th house or 9th house, karma tends to come to an end.

Incidentally 5th house is the house of poorva punnya and wisdom
and 9th is parapunnyam and bhagya/luck.