What is the difference between fate and Destiny

Many people talk of Fate and Destiny as if they are one and the same thing, but it may be interesting to examine the subtle difference between the two. It is believed by many that before we are born we make definite choices as to what we wish to learn, and the aim we want to fulfill during the coming life. It is a Spiritual decision which is rarely remembered once we are born, but in hindsight we often see that events and circumstances have led us unknowingly onwards towards our chosen destination.