IF YOUR BIRTHDAY IS TOMORROW: In the year ahead, you will be luckier than usual when it comes to investment undertakings or joint endeavors. If you're of the mind to invest in something after studying its possibilities and know it's a good risk, go for it.

PISCES (Feb. 20-March 20) — If you insist upon having your own way when it comes to social issues, chances are it will spoil everyone's fun, including your own. Strive to be cooperative, not headstrong.

ARIES (March 21-April 19) — When at work, do your best and don't berate yourself for not being smart enough or not having done enough. In either case, you'd be wrong; be satisfied with what you have accomplished.

TAURUS (April 20-May 20) — Although you may want to spend some time with those you find exciting, take care in your selection. Don't choose anyone who tends to go to extremes and causes incidents instead of fun times.

GEMINI (May 21-June 20) — There is a strong probability that you will experience some material gains. Sadly, however, it may not be enough for you and, instead of being pleased with the proceeds, you'll be disappointed.

CANCER (June 21-July 22) — Once you've created an outline, follow the plans as drawn up and don't be thrown off course just because someone questions your methods and procedures. You'll lose what you gained.

LEO (July 23-Aug. 22) — When it comes to your business and financial dealings, figure out what is fair for everyone and stick by your findings. Don't change your mind just because someone whines about his or her share.

VIRGO (Aug. 23-Sept. 22) — If you need a partner, be sure to select someone who knows what he or she wants and isn't afraid to go after it. Wishy-washy types will put you off on tangents that lead no place.

LIBRA (Sept. 23-Oct. 23) — You're a natural for seeing both sides of an issue, but there's a chance you could experience paralysis from overanalysis. Don't be afraid to go with your visceral response.

SCORPIO (Oct. 24-Nov. 22) — If you can, associate with friends who talk about all types of interesting subjects and who stimulate your senses; avoid those who are too "I-oriented" and who stymie your thinking.

SAGITTARIUS (Nov. 23-Dec. 21) — Unless your independent spirit is allowed to soar, there's a good chance you could easily submit to another's ideas of what to do, which could be a waste of time.

CAPRICORN (Dec. 22-Jan. 19) — Being committed to a schedule will keep you on solid footing. Without a plan of action, you could have a tendency to make an impulsive commitment you might later regret.

AQUARIUS (Jan. 20-Feb. 19) — Although you'll be quite good at helping others sort out confusing financial issues in ways they can make a profit, you may not be so great figuring out your own affairs.

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