Brown County TX by j damon

Brown County, Texas

Brown County is a county in west-central Texas. As of the 2010 census, the population was 38,106.[1] Its county seat is Brownwood.[2] The county was founded in 1856 and later organized in 1858.[3] It is named for Henry Stevenson Brown, a commander at the Battle of Velasco. The Brownwood, TX Micropolitan Statistical Area includes all of Brown County History Among first inhabitants were the Penteka. 1721 The Marqués de San Miguel de Aguayo expedition is said to have passed through the county. 1838 Land surveys are made of the area. 1856 Mississippi transplant Welcome W. Chandler becomes the first settler, arriving with his family, John H. Fowler, and seven slaves. They built a log cabin on Pecan Bayou. The county is formed from Comanche and Travis. It is named after pioneer from Kentucky, Henry Stevenson Brown. 1858 The county is organized. Brownwood is the county seat. 1874 John Wesley Hardin and gang celebrate his 21st birthday in Brown and Comanche Counties. Deputy Charles Webb draws his gun, provoking a gunfight that ends Webb’s life. A lynch mob is formed, but Hardin and his family are put into protective custody. The mob breaks into the jail and hangs his brother Joe and two cousins. Hardin flees. 1875 The Fort Worth-Brownwood stage is robbed five times in two months. 1879 Oil is discovered on the H. M. Barnes farm near Grosvenor. 1886 Texas Rangers kill two fence cutters in the ongoing battle between farmers and ranchers over fencing open range. 1890 Cotton becomes the county’s important crop. Pulitzer Prize author Katherine Ann Porter is born at Indian Creek. 1889 Howard Payne College and Daniel Baker College are established in Brownwood. 1892 The Fort Worth and Rio Grande Railway is built to the county. 1895 The Gulf, Colorado and Santa Fe Railway built into Brownwood. 1903 The Gulf, Colorado and Santa Fe line extends the line to Menard. The county votes itself a dry county. Alcohol would not become legal again until the 1950s. 1909 The boll weevil moves into the county, destroying the cotton economy. 1917 First commercial production of oil comes from the efforts of Jack Pippen at Brownwood. 1919 The first large field begins producing from a depth of 1,100 feet (340 m) in 1919 near Cross Cut. 1926 An oil boom follows the success of the White well on Jim Ned Creek; some 600 wells are drilled in several fields in the county during this time. 1938 Lake Brownwood State Park opens to the public. 1940 Work begins on Camp Bowie . 1943 The first German prisoners of war arrive; many are members of Erwin Rommel’s Afrika Corps. 1953 Howard Payne College and Daniel Baker College combine under the name Howard Payne College. 1991 More than 50,561,000 barrels (8,038,600 m3) of oil had been taken from Brown County lands since 1917.

CHEATHAM BOYS

BILL ANDY DEBUSK HOUSE

Demographics As of the census of 2000, 37,674 people, 14,306 households, and 10,014 families resided in the county. The population density was 40 people per square mile (15/km²). There were 17,889 housing units at an average density of 19 per square mile (7/km²). The racial makeup of the county was 87.35% White, 4.01% Black or African American, 0.53% Native American, 0.37% Asian, 0.01% Pacific Islander, 6.07% from other races, and 1.66% from two or more races. About 15.38% of the population were Hispanic or Latino of any race. Of the 14,306 households in the county, 31.40% had children under the age of 18 living with them, 55.90% were married couples living together, 10.90% had a female householder with no husband present, and 30.00% were not families. About 26.50% of all households were made up of individuals and 12.40% had someone living alone who was 65 years of age or older. The average household size was 2.48 and the average family size was 2.98. In the county, the population was distributed as 25.80% under the age of 18, 10.10% from 18 to 24, 24.70% from 25 to 44, 22.90% from 45 to 64, and 16.40% who were 65 years of age or older. The median age was 37 years. For every 100, there were 97.40 males. For every 100 females age 18 and over, there were 93.10 males. The median income for a household in the county was $30,974, and for a family was $37,725. Males had a median income of $30,169 versus $19,647 for females. The per capita income for the county was $15,624. About 14.00% of families and 17.20% of the population were below the poverty line, including 22.70% of those under age 18 and 12.10% of those age 65 or over. Media The Brownwood Bulletin is the local daily newspaper, an American Consolidated Media company that also serves media online through its website. Brown County is part of the Abilene/Sweetwater/Brownwood television media market. Area television stations include KRBC-TV, KTXS-TV, KXVA, KTABTV, and KIDU-LD. Area radio stations include News/Talk 102.3 KXYL, which simulcasts on KXYL 1240 AM, Hot A/C “The Breeze” KQBZ 96.9, Country KOXE 101.3, Christian KPSM 99.3, KBUB 90.3, and Oldies KBWD 1380 A Brown County, near the geographic center of Texas, is bordered on the north by Eastland County, on the west by Coleman County, on the south by McCulloch and San Saba counties, and on the east by Comanche and Mills counties. The center of the county lies at 31°45’ north latitude and 99°00’ west longitude, sixty-five miles southeast of Abilene. The county is named for Capt. Henry Stevenson Brown, a company commander in the battle of Velasco, a delegate to the Convention of 1832, and one of the first Anglo-Americans in the area. The county was formed on the western frontier in 1856 from Comanche and Travis counties and organized in 1858, with Brownwood designated as the county seat; the town was also awarded the county’s first post office that year with Wiley B. Brown as postmaster. In 1860 the United States census found 244 people living in the county, none of them slaveholders. The census also counted 2,070 cattle in the area, and ninety-one acres of land was classified as “improved.” The county developed slowly between its founding and the 1870s, primarily because conditions were not secure for settlement until the late 1870s or early 1880s, as settlers were harassed by Indians and white predators for twenty years after the county was formed. Development of the county was accelerated in the 1890s and early 1900s when two railroads built tracks into the area, providing a stimulus to area farmers and helping maintain an atmosphere favorable to experiments in crop diversification. The Fort Worth and Rio Grande Railway reached the county in 1892; the Gulf, Colorado and Santa Fe line built into Brownwood in 1895, and by 1903 had extended its tracks to Menard. The new railroad connections helped Brownwood to prosper, since the absence of railroad facilities in southern Eastland and Callahan counties led farmers from those areas to Brownwood to do their marketing.

HISTORY AND DEMOGRAPHICS INFO FOR BROWN, TX

Top Things to Do in Brownwood

Abundant Life Church 1120 Belle Plain St Brownwood, TX (325) 643-4738

Church of the Good Shepherd 1800 Good Shepherd Dr Brownwood, TX Map (325) 646-8791

Austin Avenue Church of Christ 900 W Austin Ave Brownwood, TX (325) 646-3876

Coggin Avenue Baptist Church 1815 Coggin Ave Brownwood, TX Map (325) 646-1506

Avenue D Baptist Church 1105 Avenue D Brownwood, TX (325) 646-8909

Concord Baptist Church S Fm 586 Bangs, TX Map (325) 752-7433 Cowboy Church 1100 High Mesa Dr Brownwood, TX Map (325) 641-9192

Avenue W Church of Christ 800 Avenue W Brownwood, TX (325) 643-6003 Belle Plain Baptist Church 2010 Belle Plain St Brownwood, TX Map (325) 646-0621 Blanket First Baptist Church 100 Main St Blanket, TX Map (325) 748-5721 Brookesmith Baptist Church Fm 586 Brownwood, TX (325) 643-6034

Early United Methodist Church 1073 Early Blvd Brownwood, TX Map (325) 646-2300

Central United Methodist Church 1501 2nd St Brownwood, TX Map (325) 646-9621

Faith Baptist Church 2001 14th St Brownwood, TX Map (325) 646-7147

Centro de Adoracino y Albanza 1814 Vincent St Brownwood, TX Map (325) 643-9671 Christ Chapel 2101 Coggin Ave Brownwood, TX Map (325) 643-1135

Brownwood Bible Fellowship 901 Avenue B # R Brownwood, TX (325) 643-9768

Christian Life Center 1715 Coggin Ave Brownwood, TX Map (325) 643-1656

Brownwood Evangelism Center 2515 Avenue D Brownwood, TX (325) 643-3500

Church of Christ 1610 Brady Ave Brownwood, TX Map (325) 646-0826

Calvary Baptist Church 1719 9th St Brownwood, TX (325) 646-6139 Central Baptist Church 1401 Brady Ave Brownwood, TX (325) 646-7342 Central United Methodist Church 1501 2nd St Brownwood, TX Map (325) 646-9621 Centro de Adoracino y Albanza 1814 Vincent St Brownwood, TX Map (325) 643-9671

First Baptist Church 208 Austin Ave Brownwood, TX Map (325) 646-8505 First Baptist Church, Bangs 401 S 2nd St Bangs, TX Map (325) 752-6724 Web Site First Baptist Church of Early 103 Garmon Dr Early, TX Map (325) 646-6596 First Baptist Church, May 18955 Cunningham St May, TX Map (254) 259-2182 First Christian Church 2411 Coggin Ave Brownwood, TX Map (325) 646-8901 First Church of the Nazarene 1715 Avenue I Brownwood, TX Map (325) 646-6487

Church of Christ 3201 4th St Brownwood, TX Map (325) 646-7102 Church of Christ 1020 Austin Ave Brownwood, TX Map (325) 646-0855 Church of Christ 900 Early Blvd Brownwood, TX Map (325) 643-2504 Church of Christ, Bangs 5th & Fitzgerald St Bangs, TX Map (325) 752-6464 Church of Christ, Blanket 3250 County Road 207 Blanket, TX Map (325) 752-6182 Church of Jesus 2719 Austin Ave Brownwood, TX Map (325) 641-0455

Church of Jesus Christ of Latter Day Saints First Mexican Baptist Church 4503 4th St Brownwood, TX Map 1600 Melwood Ave (325) 646-0869 Brownwood, TX Map

The Time-Management Strategy That Will Help You Get Your Workout In Every Day Lewis Howes

September 30, 2015 Struggling to make time for exercise? Find out how to implement “time blocking” from fitness expert AJ Roberts. Imagine being the world’s strongest man. This means you would have lifted more weight than any other guy on the planet. Tall order, right? AJ Roberts saw that challenge and took it on. In fact, he spent 10 years training to become the strongest and when the test came, he delivered. I’ve known AJ for years and am not surprised he accomplished this amazing feat. In fact, he’s currently training to now become the world’s fittest man. But it’s not his incredible body, genetics, or awesome supplements that have gotten him his amazing wins. It’s his discipline to make plan every day and stick to it. When we discussed his strategies for making time to work out (in addition to running a business), AJ credited time blocking as a key to his success. Time blocking is when you set aside focused intervals of time to do just one thing (like go to the gym, work on a specific task, and so forth) and make a point to adhere to that schedule for the entire day.

Related: 3 Ways to Keep Time From Stressing You Out

If you’re already feeling like this is restrictive and boring, hang on. AJ pointed out that this principle is as successful in business and dieting as it is in working out because you don’t waste time deciding what to do all day. Instead, you get things done quicker because you avoid distractions and dead time. AJ holds that structure actually gives you freedom to do what you want because you know you’re going to accomplish what you need to, per your time blocking. If you are prepared, your day can go according to plan. My own experience completely backs this idea up. When I was in high school, I attended a private boarding school where everything was very structured. From the minute I woke up until bedtime, I knew where I was supposed to be and what I was supposed to be doing, so I couldn’t waste time. It was extremely helpful and taught me good habits early on (which I admit I don’t always follow). If you’ve been struggling to get your workouts in every day, or even if you have the time, try AJ’s method of time blocking for a week and see what a difference it makes. You might find the structure gives you more time than you could have imagined.

Emergency Management Mechail Cox

County Court at Law Judge Sam C. Moss

1050 West Commerce Brownwood, TX 76801

200 South Broadway, Room 208 Brownwood, TX 76801

Phone: 325-203-3188 Fax: 325-641-1282

Phone: 325-646-5859 Fax: 325-646-5980

Judge Stephen Ellis 200 South Broadway St. suite 212 Brownwood TX, 76801 Phone: 325-646-1987 Fax: 325-643-6396 Court Coordinator Jennifer Aaron

County Judge Judge E. Ray West, III 200 South Broadway Street, Room 111 Brownwood, TX 76801 Phone: 325-643-2828 Fax: 325-646-7013

Precinct #1 Justice of the Peace Judge Walter B. Croft 200 South Broadway, Room 200 Court Reporter Brownwood, TX 76801 Cristi Escobar Phone: 325-643-2688 Fax: 325-646-6437 Indigent Defense and Pre-Trial Services Precinct # 2 Justice of the Nita Richardson, Coordinator Peace Jordon Boyd, Assistant Coordinator Judge Mike Holder 200 S. Broadway, Suite 333 200 South Broadway, Room Brownwood, TX 76801 200 Phone: 325-646-8833 Brownwood, TX 76801 Fax: 325-646-8882 Phone: 325-643-5962 Fax: 325-641-2382 Assistant Court Coordinator Sheena Griffin

Mission Statement The Brownwood Police Department strives to be a values driven organization. Our mission is to partner with the citizens of Brownwood to provide a safe environment and enhance their quality of life through professional police practices. We will accomplish this with PRIDE. Mike Corley Chief of Police Brownwood Police Department 1050 W Commerce Brownwood, TX 76801 Phone: 325-646-2525 Emergencies - 911

Emergency Call 911 !! County Sheriff Sheriff George M. Caldwell 1050 West Commerce Brownwood, TX 76801 Phone: 325-646-5510 Fax: 325-643-3238 (front office) 325-641-2481 (jail)

The first school in the county opened in 1860, when Judge Greenleaf Fisk, a large landowner, volunteered to teach the children. By the 1874-75 school term a number of communities maintained schools on a regular basis. Altogether, 514 pupils in the county were enrolled for the four-month term. Brownwood established its own school system in 1876, and other communities soon followed suit. By 1885 the county had 2,000 students and sixty-four teachers in small rural schools and community school systems. In 1888 the Presbyterians established Daniel Baker College, the county's first center of higher learning, and in 1890 a group of Baptists established Howard Payne College. Daniel Baker struggled financially until 1894, when it passed to the Southern Synod of the Presbyterian Church. Howard Payne granted degrees until 1897, then operated as a junior college until 1913, when it was again upgraded to senior college status. In 1953 the two schools were combined under the name of Howard Payne College (now Howard Payne University).

Mrs. Vicki Phillips, Superintendent Monday through Friday, 8 a.m. - 4:30 p.m.

School Principal Brown County Elementary School (217) 773-2624 Kellee Sullvan Brown County High School (217) 773-3345 Ann Logan Brown County Middle School (217) 773-9152 Ray Driskell

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RECYCLING IN BROWN COUNTY, TX

Todd Thompson Landfill Supervisor

Mission: Our mission is to provide quality services to our customers in the reuse, reduction, and recycling of materials and to prolong the life of the landfill as well as be environmentally friendly. Responsibilities: Accept recyclables from citizens in the local and surrounding communities and coordinate the removal of recyclables with commodity vendors. Accept residential waste for disposal thus lowering the traffic volume in the landfill. Provide mulch and compost products that can be purchased by our customers. Goal: To provide recycling services to all of Brown county and surrounding counties. Objectives: To provide a clean, safe drop off center for residential trash and recyclables. To organize recycling programs such as community clean ups, school recycling programs and in town recycling programs. To provide employees with up to date training so they can provide customers with the best service possible.

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Brownwood Recycling Center 6800 FM 45 S Brownwood, TX 76801 Phone: 325-641-8832 Landfill & Recycling Center Hours Monday - Saturday 8 a.m. - 4:30 p.m.

FHA Loan Requirements Important FHA Guidelines for Borrowers The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories. It is the largest insurer of residential mortgages in the world, insuring tens of millions of properties since 1934 when it was created. Learn more about FHA loan requirements and guidelines. FHA Mortgage Insurance FHA insured loans require mortgage insurance to protect lenders against losses that result from defaults on home mortgages. Update: FHA Lowers Mortgage Insurance in 2015 FHA Loan Limits FHA lending limits vary based on a variety of housing types and the state and county in which the property is located. Your Loan Checklist Before you start the loan process, you'll want to be prepared for the loan application. Have your information organized and ready for your loan officer. Be prepared to pay for property appraisal and a credit report. FHA Closing Costs While FHA defines which closing costs are allowable as charges to the borrower, the specific costs and amounts that are deemed reasonable and customary are determined by each local FHA office. FHA Debt Ratios In order to prevent homebuyers from getting into a home they cannot afford, FHA guidelines have been set in place requiring borrowers and/or their spouse to qualify according to set debt to income ratios. FHA Credit Issues An FHA loan applicant's past credit performance that demonstrates good credit history and a solid track record of timely payments will likely be eligible for the mortgage. FHA Tips for Home Owners and Home Buyers: Useful information about FHA refinance loans, new FHA loans, and the guidelines that HUD wants you to follow. About the FHA Today the mission of the FHA includes helping borrowers get amounts they qualify for, and assisting lenders by reducing their risk in issuing loans. Credit Problems and a HUD Housing Loan If you have had credit problems in the past, the FHA recommends a Consumer Credit Counseling program to avoid being denied an FHA loan. The FHA TOTAL Scorecard If you submit FHA paperwork electronically, the FHA TOTAL Scorecard is used to measure the credit risk of all FHA loans submitted through the automatic underwriting system. Applying for an FHA Loan The FHA asks for a lot of information on your FHA loan application. You will need to provide the FHA with a wide range of details. Additional Paperwork for Veterans The FHA asks that veterans submit the DD Form 214 along with their FHA loan application paperwork. The DD Form 214 is the official record of discharge from the Armed Forces. FHA/HUD Insured Mortgages and Refunds If you have an FHA loan or HUD insured mortgage, you may have paid an "up-front" mortgage insurance premium at the closing of your house.

Popular FHA Loans The 203(b) FHA Fixed Rate Mortgage Loan Program is the widely used FHA home loan, especially among first time home buyers. Where FHA Mortgages Come From FHA loans do not come directly from the FHA. The FHA guarantees home loans, reducing the risk to lenders and offering increased borrowing power to qualified applicants. Pre-qualify for an FHA Home Loan To pre-qualify for this mortgage, you should be ready to demonstrate employability, job stability and reliability. The Increased FHA Loan Amount In early 2006, a HUD press release announced an increase of nearly thirty thousand dollars in FHA-insured home loan money being made available to borrowers for single-family home mortgages. -- See the Complete List of FHA Borrower Tips -FHA Loan Articles Read About Mortgage News, FHA Updates, and Guidelines HUD 4000.1, FHA Loan Applications, and Credit Reports The new HUD 4000.1 handbook includes new rules about existing policy, revised language for some loan rules, and other changes. Has qualifying for an FHA mortgage under the new rulebook changed? The FHA Refinance Loan Maximum Mortgage Calculation There are many myths people have about FHA home loans. One is the nature of the required FHA mortgage down payment or maximum financing available. The borrower is required to make a minimum down payment on all new purchase FHA mortgage loans (3.5%). Does Being a Co-Signer on Another Loan Hurt Your FHA Loan Application? Some wonder: does being a co-signer on someone else’s financial obligation might affect an applicant’s chances for FHA loan approval? Does being a co-signer have any influence on how the lender views your credit or debt-to-income ratio? FHA Streamline Refinancing: Appraisal Required? It can be easy to get confused over the difference between lender requirements and FHA refinance loan standards--did you know that FHA loan rules for Streamline Refinancing permit the lender to require things the FHA rules don’t insist upon? FHA Changes Loss Mitigation Policies In April 2015, the FHA and HUD changed some of its policies in order to help FHA borrowers avoid foreclosure and keep their homes. No FHA loan applicant goes into the home loan or refinance loan process expecting to default on their mortgage payments sometime in the future.

HELP GETTING HOME LOANS !!!

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Aries (Mar21/Apr20):

It’s important to play by the rules between January and mid-June. Resist the urge to cut corners or demand special favours. By showing respect for authority, you will pave the way for future success. It can be difficult for an impulsive character like you to wait your turn, but it is a lesson worth learning. The powers that be are watching your progress closely. They need to know you can be entrusted to follow the rules, as well as enforce them. Your focus will shift to an intimate relationship during the second half of June, when you’ll be forced to share resources with a lover or business partner. Are you single? This is your opportunity to build financial security. Paying off a debt will be challenging, but you can do it by mid-September. Once you fulfil your obligations to creditors, you’ll be free to pursue a course of study or go on an overseas trip. Be sure to do something that will expand your horizons any time between the second half of September through to the end of December.

Taurus (Apr21/May21):

Budgeting is critical between January and the middle of June. This is your chance to achieve financial independence, provided you make a concerted effort to pay your bills. If you’re drowning in debt, consolidate your loans into one, low interest payment. Make regular payments until you’ve totally wiped out this obligation. That will require cutting back on luxuries. Indeed, you may be living on a shoestring for the first half of 2015, but the sacrifice will be worth it. Your love life will require serious attention during the second half of June, when your partner will need extra help. By coming forward at their hour of need, you’ll emerge much stronger as a couple. By mid-September, you’ll be able to redefine the parameters of your relationship. Don’t be surprised if you achieve a new level of physical intimacy at this time. If you’re single, you will be able to meet someone who brings a great deal of happiness to your life. Both of you are extremely sensual and will have good chemistry in the bedroom. Life will be much sweeter thanks to this attentive lover.

Leo (Jul24/Aug23):

Getting serious about a casual romance will be in the cards between January and mid-June. You’re no longer interested in having fun. You want to build a life with someone special. If you’re already in a committed relationship, you will have to make a concerted effort to be more passionate towards your amour. It’s so easy to fall into a boring pattern when you’re used to being together. Don’t make that mistake in 2015, when it becomes imperative to inject some passion into your life. The period between June and September causes you to make big changes to your home life. You may ask an elderly relative to move in with you, or it’s possible you will move to a smaller place. There’s even a chance you will be dealing with some residual pain from childhood. Working through these issues with a trusted therapist will be tremendously helpful. Things on the domestic front will settle down in late September, when you’ll be inspired to develop some latent creative talent.

Virgo (Aug24/Sep23):

Family responsibilities will continue to require a great deal of time between January and mid-June. An elderly relative may require your care. You might be called upon to give extra instruction to a child who is struggling in school. It may be necessary to make room in your household for an out of work relative. If you’re struggling with house payments, you might decide to move to a smaller place that is more affordable. Whatever the changes ahead, they will try your patience. Lean on friends and family when you need an emotional boost. By mid-June, you’ll have to work extra hard to stick to a schedule, as mechanical breakdowns and traffic snarl ups will delay your progress. Be as flexible as possible and make sure to bring in your car for regular servicing. Backing up your computer on a regular basis is also recommended. Once late September arrives, you’ll be back to attending to family matters. An older relative’s advice is definitely worth taking. Addressing these domestic dramas will increase your confidence and strengthen your resolve.

Yearly Horoscopes

Sagittarius (Nov23/Dec21):

It’s important to take your needs seriously between January and mid-June. Instead of worrying what will make everyone else happy, put your priorities first. If this means getting more sleep or exercise, so be it. You’ll have to scale back commitments to others, but it can’t be helped. If you’re determined to switch careers, you’ll have to go back to the classroom. Spending less time with friends and family will be part of the equation. Don’t back down from your goal. By the middle of June, the focus will move to your private life. Certain people who have been draining your energy will be thrown by the wayside. Onlookers will be shocked by your seemingly callous behavior, but you really don’t owe them any explanations. Do whatever is necessary to create a life of peace, tranquillity and contentment. If that means turning your back on troublemakers and emotional vampires, do it. Once late September arrives, you’ll resume striving towards an important goal. There won’t be much time for fun and games, but you will make tremendous progress during this fateful period.

Capricorn (Dec22/Jan20):

Facing your demons will be a continuing theme from January through mid-June. Use this time to take stock of what you really want from life. Any relationships that drain you of energy will fall by the wayside. You simply don’t have the patience to deal with emotional vampires anymore. Once you drive these pests from your midst, you’ll have more time for solitary projects. Spending time on a hobby will be spiritually rewarding. It will be a relief to do work that isn’t related to income or status. Whether you’re working with fabric, wood, clay, or semi precious stones, this activity will bring profound contentment. Your focus will change during the second half of June, when you’ll get involved with a prestigious charitable organization. Donating your time and money to a good cause will renew your faith in humanity. You will also get the chance to spearhead a fundraiser. Thanks to your executive ability, a worthwhile cause will be considerably enriched. The job will be finished in late September, allowing you to resume your hobby with renewed enthusiasm.

Gemini (May22/Jun21):

Erratic friends will prompt you to take a second look at your social circle. You will decide that quality, not quantity, is more important when it comes to social contacts. You’ll begin to ease the flakes from your midst as early as January and will continue to do so all the way through mid-June. Although you hate to hurt anyone’s feelings, you simply can’t tolerate waiting for people who are perpetually late for meetings. Your patience will also wear thin for those who fail to deliver on promises. By June, an important job will start to cut into your leisure time. You’ll be spending more time on an engrossing assignment that requires every bit of your focus. If you do a good job with this client, you’ll pave the way for bigger and better contracts. Once mid-September arrives, you’ll have more time for your personal life. This may mean spending romantic evenings with your partner, rather than going out in large groups of friends. 2015 is about establishing intimacy and getting serious about what you really want from life.

Cancer (Jun22/Jul23):

Establishing a fitness routine is critical between January and mid-June of this year. If you detect a twinge or pain, get medical attention for the issue. You may have to alter your dietary habits as a result. At first, this will be difficult, as you will long for the days when you could just eat whatever you wanted. The longer you abstain from the ingredients that are giving you grief, the better you will feel. Pretty soon, you will no longer crave the foods that created such digestive distress. By June, you’ll be feeling so well that you’ll decide to embark on a new hobby. Developing your raw talent for cooking, crafting, or refurbishing will give you lots of pleasure. If you play your cards right, you could turn this pastime into a profitable business. Be sure to resume your health regime in September, when you’ll need all of your energy to tackle unexpected emergencies at work. The healthier you are, the easier it will be to move up the ladder to success.

Libra (Sep24/Oct23):

Close relatives and neighbors will be less than helpful, especially between January and mid-June and then again from the middle of September until the end of the year. If you’re going away, make sure you have several names of reliable sitters for children and pets. It may take a few phone calls before finding someone who can care for your precious ones while you’re away. Mechanical trouble could also rear its ugly head. Be sure to have your car serviced on a regular basis and be ready to replace any faulty wires or tires whenever a problem arises. Money will be tight between the middle of June and the second half of September. Learning how to operate more efficiently will be critical. You won’t have much spare time, so make the most of your working hours. By increasing your productivity, you’ll be able to withstand cuts to your department. Acquire as many skills as you possibly can at mid-year. If you’re having difficulty finding work, it may be necessary to take a temporary position. Job prospects will improve from late September onward.

Scorpio (Oct24/Nov22):

Sticking to a budget remains important during the first half of the year. There won’t be a lot of money for extras, due to financial responsibilities. Paying off a debt, helping an unemployed relative and struggling with a higher cost of living are among the possibilities. The good news is that you have a natural ability to make your money stretch as far as it can possibly go. By finding even more ways to save money between January and mid-June, you’ll be ahead of the game. Your focus will move to kicking a bad habit from the second half of June through to the middle of September. This is a great opportunity to replace destructive tendencies with healthier practices. Breaking your dependence on toxic substances and people will be difficult, but worthwhile. By the time late September arrives, you’ll have a greater measure of control over your life. Saving money for a rainy day will be a good use of your time. Start getting into the habit of putting a set portion of your income into a savings account.

Aquarius (Jan21/Feb19):

It’s important to be discerning about your social circle, especially between January and the middle of June. Someone who keeps breaking promises and missing appointments isn’t worth your time. You need to surround yourself with wise, witty people who can both give and receive. If you’re looking for work, who you know will be more important than what you know. Don’t hesitate to ask influential friends to write letters of recommendation. Although you’d rather get a job on your own merits, you can’t afford to be idealistic in this economy. Your career prospects will improve greatly between mid-June and late September. Take this opportunity to apply for a high powered position in your desired field. By projecting intensity and determination during an interview, you’ll land this plum position. The final four months of 2015 are ideal for pursuing a cherished dream. You might have to cut back on social pursuits to reach this goal. Happily, this won’t seem like much of a sacrifice. You’re ready to advance to the next level of success. Keep your eyes on the prize.

Pisces (Feb20/Mar20):

You’ll continue to exude magic and mystery throughout 2015. Be sure to make plenty of time for creative pursuits, as they will bring you great happiness. If you play your cards right, you’ll find a wonderful job in your desired industry between January and mid-June. You’ll be able to uplift and inspire your team, achieving an unprecedented level of success. This position will involve quite a lot of travel, which will be stimulating. You will be homesick from time to time, but this will be a necessary sacrifice. Luckily, you’ll have an opportunity to stay close to home between June and late September. The opportunity to study with a seasoned expert will arrive. Although your lessons won’t come easily, they will serve you for a lifetime. Learning a foreign language, software program, or other advanced skill will increase your value on the job market. By late September, you’ll be back to work, putting in long hours at the office. Don’t get so wrapped up in your professional responsibilities that you neglect your family. They’re the reason you’ve come this far.

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