I absolutely do not believe in fate. It is a rather silly concept IMHO, and it has no place in my mind.
Things happens. Things happen every day, every hour, minute, second. As I sit here typing this, an uncountable number of people are doing an uncountable number of things of varying importance. The world works every second of every day, and choices are made.
These actions are the source of all circumstances. Say you are looking for a job, and suddenly a great company is in need of new help. Would that be because of fate? No. It would be because some guy within the company laid off a one or a few employees for whatever reason, or something else happened. Whether you apply for this job or not is completely up to you, and your choice will set in motion a new set of circumstances that will effect you and others. Your actions add the the pool of global actions that effect the world.
Circumstances are directly contingent upon actions, either of you or of others. Time is a linear thing, yes, but that is no indication of a "fate" existing. You're actions are your own and always will be. Even if circumstances appear to be controlling you, you still have every choice.
Example: If someone tries to mug you and puts a gun to your head. The obvious choice would be to cooperate and hope he doesn't kill you, but you can still do just about anything: you can cooperate, or hit him, tell him to fuck off, or sing "mary had a little lamb", jerk off, or whatever. Even though any choice other than cooperation will most likely result in your death. Thus we take the choice where we don't die and don't see the rest of the choices. This goes for every other circumstance that seems to control our lives. The choices always exist, we just don't see them because of common sense.
Therefore I believe in complete free will. Nothing truly controls us. Circumstances guide your actions, but they don't control them.