ARIES (March 21-April 19) -- Don't prolong the agony of an overdue bill; it only gets more pronounced with time. Pay off what you can, no matter how small the amount. It all has a way of adding up.

TAURUS (April 20-May 20) -- At times, you can be opinionated and reluctant to change your mind, even to accommodate others. But it could be worse to change your opinion for the wrong reasons.

GEMINI (May 21-June 20) -- Although your material aspects look very encouraging, you might not make the most of your opportunities. Don't let all the good things happening slip through your fingers.

CANCER (June 21-July 22) -- To be successful, you must be hopeful and secure in your situation. Try not to be influenced by the negative opinions of another.

LEO (July 23-Aug. 22) -- When you spot a quick victory, you're likely to handle yourself extremely well. Conversely, when tenacity is required, you might buckle under and make a poor showing.

VIRGO (Aug. 23-Sept. 22) -- Instead of telling a friend about the things that could go wrong with his or her idea, you should be supportive. If, by chance, your pal should blunder, an "I told you so" won't be appreciated.

LIBRA (Sept. 23-Oct. 23) -- Commercial dealings could be somewhat difficult for you at present. In certain situations you should do well, but be prepared for a few failures as well.

SCORPIO (Oct. 24-Nov. 22) -- When it comes to an important negotiation, you need to know exactly what you're agreeing to. Take plenty of time to study things thoroughly in order to spot any flaws.

SAGITTARIUS (Nov. 23-Dec. 21) -- Doing business with friends can be more frustrating and less profitable than dealing with strangers. Give your pal the best deal you can, but don't be taken advantage of.

CAPRICORN (Dec. 22-Jan. 19) -- There's a chance you could get drawn into a situation that includes someone you personally dislike. Do your best to hide your feelings from everyone involved.

AQUARIUS (Jan. 20-Feb. 19) -- You're inclined to be helpful to another, provided the initiative to do so originates with you. However, anyone who makes a demand on you is likely to see another facet of your personality.

PISCES (Feb. 20-March 20) -- Even though you're aware of the right course of action to follow, you might lack the courage to take it. Don't take the easy way out if you can help it.

ARIES (March 21-April 19) -- Something out of the ordinary might result from an unexpected chain of events. Chances are it will open up a new pipeline that can produce some quality gains.

TAURUS (April 20-May 20) -- Don't be surprised if you sense that something good is about to happen, even if you don't know the circumstances. Let positive thinking light the fuse of this exciting cycle.

GEMINI (May 21-June 20) -- Although you'll get some brilliant ideas, they must not be executed prematurely if you want them to work. Don't allow impulsiveness to distort your timing.

CANCER (June 21-July 22) -- Treat the day's happenings philosophically and you'll be able to make molehills out of mountains. Adopting an easygoing attitude will inspire others to act likewise.

LEO (July 23-Aug. 22) -- You're likely to have a slight edge over your competitors. Your ace in the hole will be a reserve of resources, both material and mental, upon which you can easily draw.

VIRGO (Aug. 23-Sept. 22) -- Upon occasion, you can be rigid and inflexible when it comes to your views. Today, however, you could surprise everybody with your open-minded nature.

LIBRA (Sept. 23-Oct. 23) -- Take matters into your own hands regarding something that you want changed. If it's not happening on its own, make the transformation yourself.

SCORPIO (Oct. 24-Nov. 22) -- The key to getting along with others is being cooperative. You'll have to set the example -- only then will others treat you as you wish to be treated.

SAGITTARIUS (Nov. 23-Dec. 21) -- You should take pride in your work, regardless of its significance. Additionally, performing to the best of your ability will greatly enhance your self-esteem.

CAPRICORN (Dec. 22-Jan. 19) -- Because you're not apt to take yourself or events too seriously, smooth sailing is indicated. You are less likely to be broadsided when you stop worrying about your ego.

AQUARIUS (Jan. 20-Feb. 19) -- The aspects are extremely favorable for you where things of a material nature are concerned. Some financial opportunities will most likely develop from at least two different sources.

PISCES (Feb. 20-March 20) -- You'll have a commanding presence about you that others will find quite attractive. To your credit, you'll know how to assert yourself without offending anybody in the process.

ARIES (March 21-April 19) -- One of the best ways to get your co-workers' cooperation is to make sure that what's good for you can be great for them as well. It's one of the keys to success.

TAURUS (April 20-May 20) -- Rather than vying for center stage, keep a low profile, especially if you've been given a key role to play. It's the best way to get the acknowledgment that you crave.

GEMINI (May 21-June 20) -- If you want some interesting things to occur in your social life, you can't wait for the right people to come to you. Seek them out yourself and, in a nice way, make your presence felt.

CANCER (June 21-July 22) -- One of the best ways to deal with a competitive situation is to take more positive action than your adversaries do. Keep an optimistic, proactive frame of mind, and you'll come out ahead.

LEO (July 23-Aug. 22) -- Examine all new endeavors not merely for what they can do for you immediately, but how they can enhance your future. When you look ahead, make sure all the pieces fit together.

VIRGO (Aug. 23-Sept. 22) -- Sometimes we find ourselves in the excellent position of being able to reap a harvest from seeds we haven't sown. This might be your scenario today, so be alert for such an opportunity.

LIBRA (Sept. 23-Oct. 23) -- Snap judgments you arrive at might not be as perceptive as those of your mate's. Listen to his or her input, which could provide you with some alternatives that you haven't considered.

SCORPIO (Oct. 24-Nov. 22) -- The amount of zeal you display while working on a job is likely to set the tone that others will follow. If you want everything to unobtrusively buzz along, maintain an accelerated pace.

SAGITTARIUS (Nov. 23-Dec. 21) -- You are likely to have more fun and feel more comfortable in a small gathering than in a large group. Try to stay within your comfort zone.

CAPRICORN (Dec. 22-Jan. 19) -- If your primary goal is to amply provide for those you love, you'll make sure that this objective is met, no matter what the day may throw at you.

AQUARIUS (Jan. 20-Feb. 19) -- You should pay attention to intuition that tells you the proper course of action to take. Any afterthoughts will be less accurate, and land you on the rocks.

PISCES (Feb. 20-March 20) -- You are presently in a positive cycle in terms of your financial affairs. You might even acquire something that was long overdue.