Life is just choices, over and over again. The choices are predetermined, and lead to more, different choices. This could be interpreted as fate, though your decision can be interpreted as free will.
Yes, I just finished watching the matrix half an hour ago.
EDIT: AKA, I agree with Linkus.
Also,
It's still free will, not fate, because YOU chose it. It doesn't matter if you were fated to make that choice, in the end, it was you who made it, through your own free will.
To me, considering choices exist in life, then life is not fated.
But some of the choices for you aren't made by you. You don't choose where to live, you don't choose your parents, there's so much you can't choose...
You can only choose to operate with what you already have... Which can be a hell of a lot different to what even your next door neighbour has. So you do have options, but options aren't the same for everyone. Not by a long shot.