IF YOUR BIRTHDAY IS TOMORROW: With little effort on your part, a lot of good can come your way in the year ahead. However, you must not think this is the norm and become indifferent to working hard for what you want. A time will come when you will need diligence.

PISCES (Feb. 20-March 20) — Should opportunities come too easily, you might not utilize them as well as you can. If you can't define the difference between constructiveness and wastefulness, you'll lose.

ARIES (March 21-April 19) — Don't lose heart if your progress hasn't been as rapid as you had projected with regard to a new endeavor that you thought would succeed. A sudden change is in the making.

TAURUS (April 20-May 20) — An ambitious objective is achievable, but you might have to earn your laurels the hard way. If you don't expect things to be handed on a silver platter, you won't lose heart.

GEMINI (May 21-June 20) — Before committing yourself to a major decision about your work-related affairs, consider all the circumstances, such as the long-range effects, and not just the immediate ones.

CANCER (June 21-July 22) — Don't fall for the ploys of a shrewd manipulator who might try to make you feel obligated to do his or her bidding. You're not, so stand your ground regardless of what occurs.

LEO (July 23-Aug. 22) — The only way a bargaining arrangement can work is if no one expects to get more than his or her share. One person who believes otherwise can upset the union. Weed him or her out.

VIRGO (Aug. 23-Sept. 22) — Be sure that you don't get so wound up in a project that you fail to express gratitude to those around you who pitched in and helped accomplish your aims. If you don't, you'll be labeled a taker.

LIBRA (Sept. 23-Oct. 23) — Even though you know you are generally fortunate, you're smart enough not to push your luck beyond its limits. You'll sense that, if you do so, you'll lose what you've already gained.

SCORPIO (Oct. 24-Nov. 22) — Wishful thinking can overwhelm your practicality and induce you to spend way beyond your practical limits. Put a cap on it the minute you sense you're getting out of line.

SAGITTARIUS (Nov. 23-Dec. 21) — If good intentions were graded, you'd be the star of the class. Unfortunately, they count for nothing, and unless you actively take charge of your affairs, you'll fail on all counts.

CAPRICORN (Dec. 22-Jan. 19) — Conditions in general are favorable concerning your financial affairs, but it is still up to you to take advantage of your opportunities and turn them into moneymakers.

AQUARIUS (Jan. 20-Feb. 19) — Distinguish between being abrasively aggressive and judiciously assertive, and you cannot lose. If you cannot define the difference, however, you could have a fight on your hands.

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