SAGITTARIUS (Nov. 23-Dec. 21) -- Do your due diligence when making arrangements that include some serious expenses. Nothing is worth the worry of going into debt unnecessarily. When in doubt, know enough to decline and walk away.

CAPRICORN (Dec. 22-Jan. 19) -- Rearrange your calendar to ensure you can attend lectures or demonstrations that can help you adopt a healthy and happy lifestyle. A change of heart will lead to a new adventure.

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