Business Is Warfare

04/07/2025

Doctrine #1: Strike Fast, Strike First
“Speed is a weapon. Surprise is a multiplier.”

Military Origin:
Victory often favors the side that initiates action. Preemptive strikes disorient the enemy, seize initiative, and reduce the enemy’s ability to retaliate. In warfare, the element of surprise and speed can determine the outcome before the battle even begins.

Business Translation:
In business, the first to market, first to pitch, or first to innovate gains psychological and strategic dominance. Striking fast gets attention. Striking first makes you the standard.

Send a message to learn more

11/23/2024

🚀 Already a pro in real estate? It’s time to scale your expertise.
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📈 You're already experienced—now it's time to go beyond the basics.
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💬 Got questions? Comment below or DM us!

10/20/2024

Hey, Have You Heard About This New Federal Requirement for your LLC?

We wanted to reach out to you directly because something important has come up that could really affect your business—this new federal rule about reporting your LLC’s Beneficial Ownership Information (BOI).

We know this probably sounds like a headache (and let’s be honest, it kinda is), but stick with us (Urban AZ Financial) because we’ve got your back, and we’ll get through this together.

Here’s the deal:
If you’ve got an LLC, the U.S. government (through an agency called FinCEN – the Financial Crimes Enforcement Network) is now requiring you to file your LLC’s BOI by January 1, 2025. Doesn’t matter if you’ve been in business for a while or just got started this year—this new rule applies to everyone.

What You Need to Know:
• Any LLC filed in 2024 or prior must file its LLC’s BOI by January 1, 2025 to avoid penalties.
• LLCs formed in 2024 must file within 90 days of the LLC's approval.
• Dissolving an LLC after January 1, 2024 does not exempt you from filing. You still need to report the ownership information for the time it was active.

Failure to file on time will result in daily penalties, enforced by FinCEN in cooperation with the IRS, which will cross-reference your LLC’s EIN and ownership details. This is not a scam; this reporting is required under the Corporate Transparency Act (CTA) (31 U.S.C. § 5336) and is fully enforceable by law.

• For more details on this law, please visit the official U.S. government website:
https://www.fincen.gov/boi

FinCEN is a bureau of the U.S. Department of the Treasury, tasked with safeguarding the financial system from illicit use and promoting national security through the collection of financial information.

Now that we’ve got that out the way, what happens if you don’t file?

Well, here’s where it gets serious. If you don’t file your LLC’s BOI by the deadline, you could be looking at some pretty nasty fines—like $591 a day (yeah, per day) up to $10,000, and even possible jail time. No joke. And the IRS is in on this too, so they’ll be sharing info and keeping track. The clock is ticking!

Why does this matter to you?
Let’s be real—running a business and/or having an LLC is tough enough without getting hit with extra fines and paperwork. You’re working hard, and the last thing you need is a federal agency breathing down your neck, right? This new rule probably wasn’t on your radar, and that’s totally understandable, but ignoring it isn’t an option.

Whether your LLC was filed a few years ago or just this year, you’ve got to file this BOI or face the consequences. Even if you dissolved your LLC recently, the deadline to avoid this was January 1, 2024 (and let’s be honest, most people didn’t even know about it). But don’t worry—we’ve got the solution to help you get compliant, no matter what.

Here’s how we can help you out:
At Urban AZ Financial, we’re making this whole process easy for you. We’ll handle the filing, take care of the paperwork, and make sure you meet all the federal requirements—before the fines start adding up. Plus, we’re offering this at a price that’s a whole lot lower than what others will charge. Why? Because we care about helping you and making your life easier.

We know you’ve got enough on your plate, so let us take this off your hands.

What’s the next step?
Reach out to us, and we’ll get started right away. You can hit us up at 623-226-7948 www.UrbanAZFinancial.com to get things moving. Don’t wait until you’re staring at a big fine or worse. We’ve got this covered for you!

You’ve worked hard to build your business, and we’re here to protect it. Let's keep you compliant and stress-free.

Talk to you soon,
Eric Brown
Urban AZ Financial
2828 N Central Avenue, Suite 1004
Phoenix, AZ 85004
623-226-7948

www.UrbanAZFinancial.com
"We make the complex simple."
“Providing service AND solving your problems”

10/19/2024

Are you ready to start a business? Try Advanced Real Estate Investing via “Subject To”. (acquire homes with $0 down then Rent To Own them out). No credit needed. Guaranteed. I’ll teach you the skills, supply you with all the documents you need, train and mentor you. “I’ll even help you set up your LLC and business website online. Easy payment plans are available. More Info Here: www.SubjectToRealEstateInvestors.com Questions? Call Us we’d love to talk to you! 602-748-5659

10/19/2024

IRS Guidance for Thieves, Drug Dealers, and Corrupt Officials….

Did you know that IRS Publication 17, which helps taxpayers determine how to report their income, is extremely detailed. Its section on “Other Income” has some of the most fascinating sorts of income you are obligated to report.

Here are three that stand out:

Bribes
If you receive a bribe, include it in your income.

Illegal activities
Income from illegal activities, such as money from dealing illegal drugs, must be included in your income on Form 1040, line 21, or on Schedule C or Schedule C-EZ (Form 1040) if from your self-employment activity.

Stolen property
If you steal property, you must report its fair market value in your income in the year you steal it unless in the same year, you return it to its rightful owner.

As you can see, Publication 17 is very helpful to a variety of villains and dishonest folk. There is some interesting case law on the subject; the Sixteenth Amendment, which allows Congress to levy an income tax, comes into conflict with the Fifth Amendment, which includes a right against self-incrimination.

The conclusion of the matter is unsurprising; it would be absurd to exempt criminals from reporting income on their tax forms while asking it of honest workers. However, Fifth Amendment privilege allows one to report illegal income without revealing its precise source.

The constitutional questions are tricky, but this is a good neutral tax policy from the IRS. In a nice touch, income from stolen property is offset with deductibility of many classes of stolen property.

The main concern with these classes of taxable income, obviously, is compliance. Thieves do not make for honest taxpayers…most of the time.

10/17/2024

E-Lesson #4: The 4 Fundamental Factors for Making Big Money in Real Estate
Welcome to E-Lesson #4! Remember, these e-Lessons are supplemental and are not to be confused with our live Zoom sessions for the “Subject To” Advanced Real Estate Investing/Property Acquisition course.

The Full Course starts on October 19th, 2024, and will run through November 19th, 2024, covering 14 live Zoom sessions. If you're unable to pay for the full course upfront, we offer flexible payment plans. Early sign-ups by October 19th receive a Massive discount, so don't miss out! Contact us today to enroll and get started on your journey to advanced real estate investing via “Subject To.”

The Full Course includes all contracts, agreements, trusts, leases, affidavits, marketing strategies, LLC formation guidance, and more. Personalized coaching and mentoring are also available to support your learning.
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The 4 Fundamental Factors for Making Big Money in Real Estate
Success in real estate investing is all about having a competitive advantage. The most significant advantages come from these four factors:
1. Price – The amount you pay for a property.
2. Terms – How you pay for the property you buy.
3. Urgency – The motivation level of the buyer or seller.
4. Information – Access to critical, strategic information about an opportunity.
Let’s break these down with some simple examples:
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Advantage #1: Price
The most obvious advantage in real estate investing is buying a property at a great price.
For instance, if a piece of land is worth $200,000 and you're able to purchase it for $50,000, you've gained a tremendous advantage right from the start.
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Advantage #2: Terms
When would it be a good deal to pay $250,000 for a property only worth $200,000? You might be inclined to say "never," but that wouldn’t be correct.

Imagine I own a house worth $200,000, but I have an emotional attachment to it and refuse to sell it for less than $250,000. Now, you could be stuck until you come up with a clever solution.
You offer me the following deal: "Eric, I’ll pay your price of $250,000, but here’s how. I'll pay you $700 a month for the next 30 years. When it’s all said and done, I’ll actually have paid you $252,000—which is $2,000 more than you’re asking!"

Why would you agree to this? Here’s why:
While you’re paying $250,000 at zero interest, compare that to paying $200,000 with a traditional 6% mortgage. Over time, with interest, the cost of paying $200,000 at 6% totals $431,676. That’s a massive difference of $181,676!

This demonstrates that terms can often work in your favor and make even an overpriced property a profitable deal.
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Advantage #3: Urgency
In real estate, as in many business dealings, the party who is in a position to walk away from a deal often gets the best terms.
Picture a homeowner facing pre-foreclosure. They desperately want to improve their situation to avoid losing their home, their credit rating, and a lot of dignity. You, on the other hand, are a well-informed investor who knows how to help, but you’re in a position of strength. You don’t need to act—you have options, while the homeowner doesn’t.

This imbalance of urgency is an advantage. The seller is a motivated seller, but you are not a motivated buyer. Always aim to act from a position of strength, leveraging the other party’s urgency to strike favorable deals.
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Advantage #4: Information
This advantage is all about knowing more than the other party.
For example, imagine a homeowner who owns land in a rural area. You’ve just discovered that Walmart is planning to build a Supercenter on the nearby property. This is valuable information that the homeowner may not be aware of, and it gives you a significant advantage when negotiating a deal.

Knowing key information that others don’t is a huge asset in real estate investing.
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How to Use These Advantages to Put Cash in Your Pocket
I don't want to take too much of your time today, so we’ll explore how to use these advantages in detail in the next e-Lesson.
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Coming Tomorrow: E-Lesson #5
In E-Lesson #5, we’ll explore two specific strategies that will allow you to profit from Advantage #1: Price. As part of that lesson, you'll learn why money is a "function" of time and how to assess both together for smarter investments.
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Your Next Step: Get Ready for the Full Course!
The Full Course is packed with everything you need, from essential documents to strategies for success.

Sessions #1-14 will guide you step-by-step through real estate property acquisitions using the "Subject To" method.

Don’t forget—sign up early and pay in full to take advantage of a SIGNIFICANT discount by October 19th, 2024. Flexible payment plans are available for those who cant pay in full.
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I’d Love Your Feedback!
You’ve now received 4 e-Lessons. I would greatly appreciate hearing your thoughts and opinions on how these lessons are helping you so far. Your feedback is invaluable as we continue to improve.
Until tomorrow,
Eric

10/17/2024

E-Lesson #3: The 3 Fatal Flaws That Guarantee You'll Fail as a Real Estate Investor (Part 3)

Welcome back! As a reminder, these e-Lessons are free email supplements designed to help you prepare for the Full Course. However, they are not substitutes for the live Zoom sessions, which begin on October 19th, 2024 and run through November 19th, 2024.

If you can't pay for the course upfront, don’t worry! We offer flexible payment plans based on your schedule. Sign up early by October 19th to receive a SIGNIFICANT discount. Contact us to get started with Sessions #1-14, covering all essential aspects of advanced real estate investing via "Subject To."

The Full Course includes all necessary documents, contracts, trusts, leases, affidavits, marketing strategies, and LLC formation. Mentoring and coaching are also available based on your needs.
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The 3 Fatal Flaws That Guarantee You'll Fail as a Real Estate Investor (Part 3)
Let’s dive right into Fatal Flaw #3, which is:
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Fatal Flaw #3: Failure to Establish Clear Goals and Defining "Success" as Anything Other Than Making Big Profits
The main reason to become a real estate investor is simple: To make money.

This may sound obvious, but many investors don't have a clear profit motive or financial goal in mind when they start. Let me share a common scenario:
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Joe’s Story: The Investor Without Clear Goals
Joe is an aspiring real estate investor. One night, he sees an infomercial promoting a course called "Make A Gazillion Dollars As A Landlord." He gets excited and orders the course. When it arrives, Joe devours the information and starts dreaming of long-term wealth through real estate.

Joe begins looking for investment properties and tells his friends and family about his plans. He soon discovers that his friend George is also in real estate, but George specializes in rehabbing houses. George buys rundown homes, fixes them up, and sells them for a quick $20,000 profit.

Joe starts to feel a bit jealous because his land lording strategy will take years—maybe even decades—before yielding significant profits, whereas George is making large sums of money in a matter of months.

Eager to make quick profits like George, Joe goes to a seminar on rehabbing. He gets excited about this new strategy, but soon, he hears about another "latest and greatest" strategy. Joe starts attending seminar after seminar, learning many different methods, but never fully committing to any of them.
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Joe’s 2 Big Problems:
1. Lack of Clear Goals:
Joe never took the time to define why he wanted to invest in real estate. If his goal was to build wealth for retirement, the land lording strategy might have been appropriate. However, if Joe wanted to make significant current income, land lording was the wrong choice. Without clear goals, Joe is wasting time and money on strategies that don’t align with his true intentions.

2. Redefining Success:
Since Joe hasn’t made any real money from real estate, he subconsciously changes his definition of success. Instead of measuring success by financial results, Joe starts defining success as his ability to learn more strategies and become the most knowledgeable investor around—despite never having done a deal.
You might know someone like Joe—someone who can talk about real estate strategies all day but doesn’t have any real financial results to show for it.
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Why Does This Happen?
If Joe admits that his goal was to make money and he hasn’t achieved it, he will have to consider himself a failure. To avoid this uncomfortable truth, Joe redefines success to match his situation. Now, Joe views success as simply knowing about real estate, rather than profiting from it.
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Fatal Flaw #3: Failing to Establish Clear Goals and Defining "Success" as Anything Other Than Making Big Profits
To avoid falling into Joe’s trap, you must set clear, realistic financial goals for your real estate investing journey. Without those goals, you’ll likely end up wasting time, money, and energy on strategies that won’t lead to financial success.
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What’s Next?
Tomorrow, in E-Lesson #4, I’ll help you get clear on your real estate investing goals. We’ll also dive into specific strategies that can help you achieve those goals. Get ready for some powerful, real estate-focused information!
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Your Feedback Matters!
You’ve now received 3 e-Lessons, and I would greatly appreciate your feedback.

What do you think so far?

Please let me know your thoughts, and I look forward to helping you take the next step in your real estate investing journey.
Until tomorrow,
Eric
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Course Details:
• Start Date: October 19th, 2024
• Live Zoom Sessions: Sessions #1-14 will guide you through advanced "Subject To" real estate strategies.
• Payment Options: Payment plans available, with discounts for early signups and full payment by October 19th.
• Contact Info: Call or email to get started today!

10/10/2024

DO YOU HAVE AN LLC??? If you do. Listen Up! LLC BOI Reporting requirements are in effect! Approximately 80 days left. If not filed on time you will be assessed by the government (FinCEN) a fine of $591 per day and up to 2 years in jail. This daily penalty accumulates quickly, creating a substantial financial burden.

They know who you are because they have your tax Id # (EIN) of your business and your SS # when you applied and the Secretary of State or Corporate Commission where you file for your LLC is public record!

The penalties for not filing a Beneficial Ownership Information (BOI) report can be severe, including civil and criminal penalties:
• Civil penalties
As of January 25, 2024, the penalty is $591 per day for each day a report is late, up to a maximum of $10,000.
• Criminal penalties
The penalty is up to two years in prison for willfully failing to file a report, or for submitting false or inaccurate information.

Both individuals and corporate entities can be held liable for violating BOI reporting requirements. Senior officers of an entity that fails to file a report may also be held accountable.

There is a safe harbor from penalty if a person voluntarily submits a report correcting inaccurate information within 90 days of the original report deadline.

WHAT TO DO??? File immediately!
We can file for you if you don’t know how or don’t have the time.
Call Urban AZ Financial today at 623-226-7948.
https://www.urbanazfinancial.com/BOI-Filing-Reporting-FinCEN-CTA

10/07/2024

ARE YOU A BUSINESS OWNER?

HAVEN'T FILED YOUR TAXES IN YEARS?

LOOKING FOR AN IRS FRESH START?

ONLY 9 DAYS LEFT!

EXTENSION FILING DEADLINE: OCTOBER 15, 2024

FOR SCHEDULE C (1040), SELF-EMPLOYED, SINGLE MEMBER LLCs, AND CORPORATIONS (1120)

NEED HELP FROM A QUALIFIED TAX PROFESSIONAL TO GET YOUR BUSINESS READY FOR FILING?

URBAN AZ FINANCIAL – We Make the Complex Simple.
(623) 226-7948 www.UrbanAZFinancial.com

10/02/2024

E-Lesson #2: The 3 Fatal Flaws That Guarantee You'll Fail as a Real Estate Investor (Part 2)

Welcome back! Before we begin, remember that these E-Lessons are free email supplements to the Full Course, that begins on October 19th, 2024. These lessons will help you prepare, but they are not a substitute for the live Zoom classes (Sessions #1-14).

If you can't pay for the full course upfront, we offer flexible payment plans. Sign up early to receive a significant discount by October 12th! Contact us to get started.

The Full Course covers all contracts, agreements, trusts, leases, marketing, and LLC formation, with coaching and mentoring available as needed.
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The 3 Fatal Flaws That Guarantee You'll Fail as a Real Estate Investor (Part 2)

In E-Lesson #1, we established that marketing is key to real estate investing success. Now, I have an important question for you:
Do you truly want to succeed as a real estate investor?

If your answer is "yes," then commit to learning how to market yourself to find great real estate deals. It’s not hard, but it’s absolutely essential for success.

Several of the upcoming e-Lessons will cover powerful marketing strategies. For now, let’s move on to the next key mistake new investors make:
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Fatal Flaw #2: Obsession With "Avoiding Failure" Rather Than "Being Successful"

This flaw focuses on the mental aspects of success. I’m going to explain how this directly impacts your real estate investing journey.
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The Power of Focus: The Law of Attraction
Here’s a bold statement: You will get whatever you want out of life.
It might sound extreme, but it’s true. This idea is based on the "Law of Attraction," which says that we attract into our lives whatever we focus on the most, with intensity and consistency.

Unfortunately, many new investors focus on "avoiding failure" instead of "being successful". While it might seem like a good idea to avoid failure, there’s a problem: the human brain doesn’t process negative statements very well.

Let me show you how this works.
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Avoiding Failure vs. Embracing Success
Consider this: Do not think about a 3-headed donkey.

What just happened? Your brain likely created a mental image of a 3-headed donkey, even though I asked you not to think about it.
This happens because your brain must first imagine the thing you’re trying to avoid.

Now apply this to the idea of failure. When you think about avoiding failure, your brain automatically conjures up thoughts of what failure means—losing money, losing your home, going bankrupt—none of which are pleasant.

This negative focus paralyzes you, preventing action, which leads to inaction, and ultimately, failure.
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Shift Your Focus: Think About Success
Now, let’s try something else: Think about massive success as a real estate investor.

What does success look like for you? Maybe it’s owning 50 properties that generate $10,000 to $20,000 per month in cash flow. Or perhaps it’s the freedom to quit your job and spend more time with your family.

Whatever success means to you, focusing on those positive outcomes will energize and motivate you. On the other hand, if you only think about avoiding failure, you’re defining success as the mere avoidance of disaster. But no one becomes truly successful by simply trying to avoid catastrophe.
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Good Business Sense: Protecting Yourself from Problems
That said, it’s important to be smart and protect yourself from potential problems.

Here are a few key steps you should take to safeguard your success:
• Run your real estate business through a legal entity (LLC, corporation, partnership) to shield yourself from personal liability.
• Use the best legal forms and documents whenever you buy or sell property.
• Seek advice from successful investors, so you don’t have to learn everything the hard way.

Don’t worry—future e-Lessons will cover these topics in detail.
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Your Next Step: Overcome What’s Holding You Back
Before I start diving into actual real estate strategies, I want to tailor this training to your needs.

So, I have a question for you:
What is the #1 concern that’s keeping you from moving forward as a real estate investor?

Please reply with your answer—I’m here to help you address it.

Until next time,
Eric
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Course Details:
• Start Date: October 19th, 2024
• Live Zoom Sessions: Sessions #1-14 will cover all aspects of Subject To real estate investing.
• Payment Options: Payment plans are available, and early signups by May 12th receive significant discounts.
• Contact Info: Call us to get started today!