Patsy... The option for making a Personal page is gone... sorry.
As for karma? Never heard of it. 
You give karma (maximum amount amount equals to your access level) for good deeds, funniness (if you want), good comments... and receive for the same. All you have to do is click on the little "thumbs up" at the lower left corner of the dialog box and give. A reason is required... and you type in what you wish.
Try on this response. You'll probably need some practice, so give it a good 20 or 30 tries, 'til you get the hang of it.
