Hardwood Floors February/March 2025

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“Attending industry events is great because you are meeting people who are not within your market that you are competing with, but who also are looking to further their growth. In our daily life, it can be a lonely world being a business owner because you're thinking about your business all the time. You don't get to spend a lot of time around people who have the same mindset as you. When I go to an NWFA Expo or a hands-on training event, no one is there because their boss sent them there. Everyone is there because they want to be there and improve. This is something I feel is missing in daily life.” – Ryan Jazdzewski, Jazz Custom Wood Flooring, LLC NWFA Real Answers podcast

“I think we're all trained that debt is bad and you want to be ahead of your money. There's the idea that you want to save your money and then spend it rather than having to pay it off later. That's good advice on a credit card with 20 percent interest. In the business world, when you have the ability to have some funds and investments that give you, say, a 10 to 12 percent return on the money you have invested, and you can get a credit line for something like 4 percent, you're actually making more money by leaving your money in your investments and using that credit line at 4 percent. It's important to know what your options are. Also, if you use your credit line on a regular basis and you pay it off, your bank is much more likely to extend your credit when you really need it.” “It's not so much about having debt, but rather looking at it from the perspective of using credit. What we're really talking about is cash flow. If you have a distributor who wants to give you terms, I recommend using those terms and that debt. Yes, it is debt, and you owe that bill, but it becomes more about how you manage your money. There are a lot of people who are intimidated by lines of credit, but my advice is to use different buckets. One can be a deposit account for when you take in money. Another bucket is a payroll account. Another can be your operating account, and another can be a cash savings account. Then another account is a debt account. Just remember, you have to pay your bills on time and use your money wisely.” – Chris Zizza, C&R Flooring Inc. NWFA Real Answers podcast

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– Michael Martin, NWFA NWFA Real Answers podcast

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