TODAY

CASH FLOW — WHAT IS IT — HOW DOES IT WORK? Workshop to teach small-business folks how to increase their bottom line, attract new capital and save money, 9 a.m. to noon at Hawaii Women's Business Center, Suite A; members $31.50, nonmembers $35; advance payment required. www.hwbc.org, 526-1001.

ROTARY CLUB OF KAHALA SUNRISE, 7:30 a.m., Waialae Country Club. 722-2538.

WINNERS CIRCLE TOASTMASTERS, 7:30 to 8:45 a.m., Unity Church, 3608 Diamond Head Circle. 833-7538.

BUSINESS NETWORK INTERNATIONAL Honolulu Metro Chapter, 9:30 to 11 a.m., Neal Blaisdell Center, Maui conference room. 372-0065 (Kathy Davenport).

TOMORROW

THE TEN COMMANDMENTS FOR A NETWORKING FIRM. This workshop will cover the importance of networking and how it can be a low-cost marketing tool, 5 to 7 p.m. at Hawaii Women's Business Center; members $20, nonmembers $25, light refreshments included; advance payment required. www.hwbc.org, 526-1001.

PARADISE TOASTMASTERS, 5 to 6 p.m., Tripler Army Medical Center, Managed Care conference room. 487-8703.

THE BREAKFAST CLUB weekly camaraderie and business lead exchange for business people, 7:30 a.m., Sizzler Pearlridge. breakfast@pacific-specifics.com or 456-6886 (Otto).

HONOLULU BUSINESS NETWORK meets weekly: Windward Chapter, 7:45 to 9 a.m., Ko'olau Golf Club (Pete Castillejos, 779-7383); Ward Chapter 12:15 to 1:30 p.m. Fridays at Ryan's (Donald Kloess, 222-9996).

SATURDAY

KEEPING YOUR HOME AND AVOIDING FORECLOSURES, seminar presented by Coldwell Banker Pacific Properties, 10:30 a.m., Hawaii Home Ownership Center, 1259 Aala St.; find out how the current financial stability plan can decrease homeowners' interest rates to as low as 2 percent or enable them to refinance despite declining home values; free. Reservations: 947-8110.

UPCOMING

UNEMPLOYMENT INSURANCE TAX WORKSHOP, 7:30 to 10 a.m. Oct. 27, Sam Choy's Breakfast, Lunch & Crab; sponsored by the Honolulu Japanese Chamber of Commerce; featured guest, Darwin Ching, director, Department of Labor & Industrial Relations; members $25, guests $30, nonmembers $50, breakfast and beverage included; register by Oct. 20. www.honolulujapanesechamber.org or 949-5531.