Pending Karma: What it is? And how does it work?

Yesterday, in one of those moments of reflection, I prayed to the image of a Guru and wished in my heart that He/ She step into my life to take me to the goal of Self-Realization.
And immediately a thought, as if coming from a different plane crossed my mind. It asked me, “Will you give up the desire of having a boyfriend in your life? Will you marry a girl if your true Guru asks you to marry?”
And that was an eye-opener.
I feel that one finds one’s Guru when one is ready, and one’s life is ripe enough for the Guru to step in and take over. A Guru’s wish can be a command, otherwise the relationship is yet another from mundane life where Ego decides what is good for you. When you are unable to digest or implement the wish of your Guru in your life, with complete surrender, then you should know that the Ego is still strong.
And till the time the Ego is strong, Dukha or suffering is bound to occur.
So am I ready for a Guru as yet?
Going by yesterday’s question that the thought posed in front of me, it seems that there are desires and hopes from the everyday world in which we exist, the Samsara.
And till there are such strong desires, and till I have not peeled off these or fulfilled them completely to move on to another level, or seen through the uselessness of such desires, I am still not ripe to enter into a relationship with a true Guru.
This is not to say that now this insight gives me the choice of stop looking for a Guru. No In fact, it gives me an insight into the Karma that I have to fulfill, roles as a result of my own desires that I have to fulfill, before I can be really thirsty to move on to the next level of Self-Realization.
As per the Philosophy of Hinduism, God or True Guru is free of the limitations of Time and Space (Nada and Bindu).
So for the God there is only the Present. For God there is no duality. For God and I are same. Yet his Leela is pending. My Karma is pending, before I can take the mantle of Enlightenment for the benefit of Mankind and the world.
Om Hari
Suresh