The fifth shakti of Lord Ganesha is the combination of the first and the third in vibration, and it extends into the wonderful feelings obtained by the outpouring of love of this God. Loving Lord Ganesha with all your heart and soul is the combined merging of these five shaktis. This gives the added boon of being able to be charitable; for those who love God perform charity, build shrines and temples and participate in the overflowing generosity from their resources, earning abundant punya, fine merit, accrued for this life and passed on to the next. We can see that harmony within the immediate family and harmony extended to all business associates creates the spiritual dynamic within the individual and the group to burst forth into loving this benign God and receiving His material, emotional, intellectual and spiritual abundance.
The Hindu soul who is immersed in the love of the Lord of Obstacles knows he is not the giver, but only the channel for the giving. He is intuitively aware of the maya of his existence, yet acutely aware of the necessity of sharing his natural, blissful state of having become one with this Lord through the first five shaktis. Such a devotee is the pillar of the temple, the protector of the sadhaka, the respecter of the priesthood and the obedient servant to the holy scriptures, and is seen by all as the compassionate one. Being free in mind, emotion and body, the family that lives basking in the five shaktis of Ganesha performs daily puja and yearly pilgrimage while upholding the five obligations, the pancha nitya karmas,of the Hindu with joyous ease.
"There are three kinds of karma: the karma of all deeds done in our past lives; the karmas we bring into this birth to experience; and the karmas we are making by our actions now."
Karma is an automatic system of divine justice. Karma is self-created destiny; a consequence or fruit of action, karmaphala. By accepting not reacting, performing karma yoga, karma can be softened, mitigated. Seeking the grace of God and guru in the right spirit, the mind focused on the Deity and open to blessings, receiving the intense grace of the Deity in a powerful pilgrimage can actually eliminate karma.
Path to Siva, Lesson 31.
Tirukural, Section IV, Destiny, Commentary by Gurudeva.