TODAY

• The markets are closed in observance of Martin Luther King Jr. Day.

TOMORROW

• Bank of America, Wachovia, and Ambac Financial Group are among the companies scheduled to report fourth-quarter earnings. Apple Inc. is scheduled to report first-quarter earnings.

• The author of “Test-Drive Your Dream Job: A Step-by-Step Guide to Finding and Creating the Work You Love,” Brian Kurth, appears with author Jean Chatzky at the Library Bar at the Paramount Hotel, 236 W. 46th St., between 5:30 and 7:30 p.m.

• The Center for New York City Affairs at the New School presents “Locked Out: How will NYC’s Neighborhoods Recover from the Mortgage Crisis?” between 10 a.m. and noon at the Theresa Lang Community & Student Center, 55 W. 13th St. Free. Contact: 212-229-5418.

• Asian Women in Business hosts workshop, “Succeed in Sales: How to Sell and Close Like a Pro,” between 6 and 9 m. at the law firm of Paul, Weiss, Rifkind, Wharton & Garrison, 1285 Sixth Ave. The cost is $45. Contact: info@ ib.org.

• CAMBA hosts a seminar on credit repair and money management between 10 a.m. and 4 p.m. at its office at 884 Flatbush Ave. in Brooklyn. Free. Contact: smallbiz@camba.org.

WEDNESDAY

• Pfizer, Cohen & Steers, Delta Air Lines, and Netflix Inc. are among the companies scheduled to report fourth-quarter earnings.

• A Nobel Prize winner and the author of “Creating a World Without Poverty: Social Business and the Future of Capitalism,” Muhammad Yunus, right, speaks at Barnes & Noble Booksellers at 33 E. 17th St. beginning at 7p.m. Free. Contact: 212-253-0810.

• Advertising Women of New York hosts a public relations panel discussion, “What’s Hot in PR — Digital Rules Politics ’08” between 7:45 and 9:30 a.m. at MSN, 1290 Sixth Ave. The cost is $35. Register at awny.org.

• Savvy Ladies hosts a teleseminar, “Dating Your Money! The Sexy New Way To Think and Grow Rich!” between 8 and 9 p.m. at 111 John St., suite 240. The cost is $15. Contact: 646-216-8988.

THURSDAY

• American Express Co., Consolidated Edison Inc., E*TRADE Financial Corp., and McGraw-Hill Cos. are among the companies scheduled to report fourth-quarter earnings.

• The New York Public Library offers “Your Guide to Fearless Speeches and Presentations” beginning at 5:30 p.m. at the Science, Industry, and Business Library at 188 Madison Ave. Free. More information is at nypl.org.

• Fashion Market presents a seminar on connecting your fashion business to China between 6:45 and 9 p.m. at the Waldorf-Astoria at 301 Park Ave. The cost is $50. Contact: 888-943-9966.

FRIDAY

• Commerce Bancorp Inc. is scheduled to report fourth-quarter earnings.

SATURDAY

• The New York Public Library offers “Business Basics: An Introductory Course Discussing the Essentials of Opening a Business in NYC” beginning at 11:30 a.m. at the Science, Industry, and Business Library at 188 Madison Ave. Free. More information at nypl.org.

vhendrickson@nysun.com