Aug Aug. 9 Consumer Credit Counseling Service will offer a free seminar from 6 p.m. to 7:30 p.m. at 2158 Union Ave., Suite 400, on building a budget and the basics of money management. For reservations, call 323-4909, Ext. 1007. Aug. 10 First Tennessee will offer an estate planning seminar at 4385 Poplar Ave. on living trusts. Participants can attend from 1 p.m. to 2:30 p.m. or 6 p.m. to 7:30 p.m. For more information, call Jada Holder at 681-2359. Buckeye Toastmasters will meet at 7:15 p.m. at Germantown United Methodist Church, 2331 S. Germantown Road. For more information, call Gloria Morrow at 753-8604. Aug. 12 The Quality Center will offer a workshop on ISO 9000 documentation through Aug. 13. The cost is $395. For more information, call 543-3530 or visit the organizations Web site at www.msqpc.com. Aug. 16 The Memphis Songwriters Association will meet at 7 p.m. in Room 101 of the Harris Music Building at the University of Memphis. For more information, call 577-0906 or e-mail mporter@vantek.net. Consumer Credit Counseling Service will offer a free seminar from 6 p.m. to 7:30 p.m. at 2158 Union Ave., Suite 400, on budgeting for a baby. For reservations, call 323-4909, Ext. 1007. Memphis Area Radio Stations Association will sponsor a sales seminar from 8:30 a.m. to 3 p.m. at the Ridgeway Inn at Poplar Avenue and Interstate 240 featuring certified radio marketing consultant Irwin Pollack. He will focus on training for new and intermediate sellers from 8:30 a.m. to noon and on training for advanced sellers from 1 p.m. to 3 p.m. The cost for non-members is $100 in advance or $125 at the door. For more information, call 678-3176. Aug. 17 The Metro Memphis Attractions Association will meet at noon at the Childrens Museum, 2525 Central Ave. The cost is $20 per person or $13 for guests of MMAA members. For reservations, call 788-6622. Aug. 18 Christ United Methodist Church, 4488 Poplar Ave., will host a free personal and career development workshop from 6:30 p.m. to 8:30 p.m. in its Wilson/Ross educational building. The workshop will be led by Dr. Debby Schadt, a professional counselor. For more information, call Schadt at 767-7421 or Karen Hunter at 682-8895. Aug. 23 Consumer Credit Counseling Service will offer a free seminar from 6 p.m. to 7:30 p.m. at 2158 Union Ave., Suite 400 on establishing and re-establishing credit, credit reports and cutting the costs of using credit. For reservations, call 323-4909, Ext. 1007. Aug. 24 The Memphis Area Chamber of Commerce will offer a free trade show marketing seminar from 2 p.m. to 4:30 p.m. at the Agricenter International, 7777 Walnut Grove Road. For more information, call 543-3547 or 543-3527. The Tennessee Department of Environment and Conservation and the UT Center for Industrial Services will offer a Tennessee environmental regulatory overview from 8 a.m. to 5 p.m. at the Holiday Inn, 6101 Shelby Oaks Drive. The cost is $125. For more information call (800) 424-3905 or visit the Web site at www.cis.utk.edu.