Fate, Luck & Karma is a West Midlands fan conversation that began in Ghostbusters territory and now stretches across retro geek culture, new movie trailers, collectibles, comic-con chatter, and the paranormal. It keeps a panel-show looseness. Dean Riley is often the named voice, with Jay Wood and other recurring voices adding the quick checks, teasing objections, and half-remembered references that give the episodes their pub-table rhythm. Ghostbusters still matters here. The show talks merch, Haslab news, Ernie Hudson, Christmas gift ideas, cosplay cups, Proton Blasters, Cluedo, mini wands, and the practical question of whether a bargain is actually worth buying. It is unusually specific about fan-life details. Prices, shops, dates, release windows, WhatsApp groups, Comic-Con appearances, and toy lines all become part of the conversation. Season 3 broadens the frame without sanding down the original fan energy. Trailer-reaction episodes move through Masters of the Universe, Project Hail Mary, Disclosure Day, Mercy, Timecop, Spielberg, Tintin, and the kind of freeze-frame enthusiasm that comes from people who have watched a lot of genre cinema. Then the paranormal takeover episodes change the air. The Jamaica Inn episodes with Karine bring in haunted rooms, reported ghostly pranks, mimic voices, moorland fog, Daphne du Maurier, and the idea of paranormal work as custodianship rather than performance. The panel does not become stiff around eerie material. It asks direct questions, jokes when the moment allows, and lets the guest lead when the stories are stronger than the banter. That is the show’s real shape: geek culture with enough structure to stay listenable and enough drift to feel alive. It suits listeners who want fan talk that can move from a low-priced collectible to a haunted inn high above sea level without treating either topic as beneath discussion.