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I’m not really all that early mentioning the upcoming holiday — I started seeing Christmas decorations in the big box stores a month ago. It’s…

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A male Osprey brings a small fish to a nest near Celilo Park, where the female awaits.

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Successful partnerships will be highlighted this year. Personal, business and professional collaborations will bring worthwhile returns. You will come out ahead if you rely on your intelligence and ingenuity, along with your ability to contribute to something that you feel passionate about.

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The coming year will be a time of advancement. Your moneymaking ideas are sound, but following the proper channels will be necessary. Stick to a strict budget, and your situation will continue to improve, allowing you greater freedom to develop an idea or interest that can add to your income.

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Before you cut up an expired credit card — or toss that silly fake one you got as junk mail — consider all the great things you can do with it! 1. Bookmark. It’ll keep your place and act as a handy straightedge for underlining or highlighting.