Some things are bound to happen, as denoted by what we call fate, and some things we have for the most, control over them. Personally I can't really believe fully in fate, because that would mean everything is predetermined and orchestrated from the start.

For the most, C-Note is right. Karma does exist to a certain extent, whether we realise it or not, but then when and where the seeds one sows ripen is hard to tell, as evident in the many doings and things that occur now. If we are to speak with a deity in the picture, wouldn't it be cruel to have our entire lives predestined and set? That, in its sense is a wrongdoing already because it robs people of free will, or our freedom to choose what we may and may not do.

So in a nutshell, certain aspects are yes, fated, and others not at all. But I could be wrong.