The Bottom Line
The overall decline in the number of insurance companies writing disability insurance in the past 20 years has resulted in the cost and frequency of disabilities among workers to increase. What would happen to your household income if you became disabled for a long time? Hopefully, you and your family would be taken care of, but if you're not sure that's the case, now might be the time to cover that risk. After all, part of being a savvy investor is making sure that your family is not unduly burdened by risks you can't afford to take.
How secure are the lease and rental rate?
The last thing you want is to get established in a space, then find at the end of your lease that your landlord is renting the space to someone else or jacking the rent way up. Clark suggests negotiating language into the initial lease that gives you the option to renew. Although rental rates are usually negotiated at the time of renewal, you also can try in the original contract to cap any increase at no more than 5 percent. "Real estate is rebounding in many areas, which means rental rates are rising," Clark says. "If you can control how much, it's a stick in your court."
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