Calendar: Calendar: Monday, Dec. 6 Consumer Debt Counseling Service will conduct "B.Y.O.B.," a free seminar on "building your own budget and the basics of money management, from 6 p.m.-7:30 p.m. at 2158 Union Avenue, Suite 400. Participants must reserve a seat by contacting the CDCS education director at 323-4909, ext. 1007. Tuesday, Dec. 7 First Tennessee will offer a free financial seminar titled "How to Leverage My Life Insurance to Protect My Family and Estate" in the auditorium at First Tennessees offices at 4385 Poplar Ave., next to the Oak Court Mall. Two sessions are offered: 1 p.m. to 2:15 p.m. and 6 p.m. to 7:30 p.m. Katina H. Gaines, an estate planning attorney with Smith Gaines & Associates, will be the guest speaker. For more information or to register, call 681-2444. Buckeye Toastmasters will meet at 7:15 p.m. in the Activities Building at Germantown United Methodist Church, 2331 S. Germantown Road. For more information, contact Gloria Morrow at 753-8604. Memphis Rotary Club meeting/luncheon at Memphis Cook Convention Center. Thursday, Dec. 9 The Quality Center will offer an ISO 9000 internal auditor workshop through Friday. The cost is $395. For more information, call 543-3530 or visit the centers Web site at www.msqpc.com. Friday, Dec. 10 The National Association of Purchasing Management-Memphis Inc., will hold its annual Christmas Party and Holiday Social at Coors Brewing Co., 5151 E. Raines Road, at 6:30 p.m. For reservations, call Scott Vick at 759-5742. Upcoming Events: Dec. 13 The Shelby County Republican Women will host their annual Holiday Party at 11 a.m. at Kirby Farms, 6792 Poplar Pike. For information, contact Jean Drumwright at 756-5808. Dec. 16 First Tennessee Brokerage will host a "Keep Your Money Working For You" seminar at 6 p.m. in the First Tennessee Retirement Resource Center at 530 Oak Court Drive, Suite 200. The seminar will explore standard distribution options, direct rollovers, how to keep money tax deferred and how rollover IRA funds should be invested. Anyone interested in attending should call 818-6229 to reserve a space.