personal finance

Bitcoin basics and the customer revolution

December 4, 2014 By ShopRTO

Virtual currencies — money that exists only in digital form and is used as an alternative to government-issued currencies — have been available since the late 1990s. But it took the launch of Bitcoin in 2009 for virtual currencies to begin to see any significant adoption.

Bitcoin, which allows people to send and receive payments online within an entirely decentralized peer-to-peer network, has become the most prominent type of virtual currency worldwide. While the Bitcoin currency network has a capital “B,” actual bitcoins have a lowercase “b.”

Other virtual currencies include Litecoin (which is technically nearly identical to Bitcoin), Dogecoin, Namecoin, Peercoin and many others. “None of these virtual currencies are anywhere near Bitcoin in terms of adoption,” said Patrick Byrne, CEO of U.S.-based online discount retailer Overstock.com.

There were 13,360,750 bitcoins in circulation on October 8, 2014, worth around $4.6 billion, according to Bitcoin publication CoinDesk.com. Bitcoin’s value fluctuates daily. A whole bitcoin was worth $343 on CoinDesk’s USD Bitcoin Price Index (BPI) on October 8, 2014.

CoinDesk estimates that the number of Bitcoin wallets worldwide rose from 765,039 in June 2013 to 5.4 million in June 2014 and to 6.6 million in September 2014. Bitcoin was accepted by 76,000 merchants, the vast majority being online businesses, in September 2014, up from 63,000 worldwide in June 2014.

Tier 1 merchants such as Dell, Expedia, Overstock.com, TigerDirect and Virgin Atlantic accept Bitcoin, which is helping drive consumer awareness of virtual currencies. “A small but growing segment of consumers want to pay with Bitcoin,” Byrne said. “The number of Bitcoin users is growing at 30 percent a month, and the number of Bitcoin wallets is growing eightfold year-on-year.”

Bitcoin basics

Bitcoin was developed to eliminate the middleman when two parties exchange payment for goods and services. That means no banks or third-party networks such as MasterCard or Visa are involved in the Bitcoin payment process.

According to the Mercator Advisory Group report “Bitcoin Basics, Trends, Regulations, and Usage,” the main attraction of Bitcoin always has been that it isn’t an institution, an organization or any sort of centralized entity.

“Since there’s no central authority, Bitcoin has thrived due to its transparent and hassle-free nature for both buyers and sellers,” the report said. “While the governments of the U.S., U.K. or the European Union are not likely to shut down Bitcoin, rules and regulations will likely be imposed as the digital currency’s popularity continues to grow in select markets around the world.”

Full story here.

What exactly is ’90 Days Same As Cash’?

October 15, 2014 By ShopRTO

Use ’90 Days Same as Cash” option with discipline.

Many retailers and rent to own furniture stores offer ’90 days same as cash’. Each are significantly different so pay attention to the details of the offer. If used wisely, ’90 days same as cash’ is a great way to buy home furnishings.

The premise is if you can pay off the item within 90 days then you are charged no interest or additional fees. Here’s the breakdown, advantages and disadvantages of each.

When shopping for furniture, electronics, appliances and computers most rent to own companies, if not all, offer the ’90 days same as cash’ option. Some even go as far as 180 days. Check each store’s policy before shopping each option. If you can make consecutive payments within the 90 days then you are able to acquire the product for basically the same price as retail. And you avoid the trap of debt or interest because there is no interest nor debt in a rent to own transaction.

If you can’t make the 90, 120 or 180 days then your payment plan is turned into a rental agreement that you choose. If you complete enough of the rental payments then you own the product. The rental payments do not include interest nor debt and can return at any time for any reason without penalty. That’s the clear distinction between the rent to own transaction and a credit transaction.

If you made one or two payments then your rental payments can either be lower payments, lower number of payments or a balance of each. And, you get to choose the amount and number of payments. Remember, the golden rule of any transaction is the less payments, the less total cost. The fact that you already made several payments already guarantees a reasonable final price through rent to own.

Here’s the catch that you need to watch. Make sure the original cash price is fair to the market value. Cash prices can vary widely so shop against rent to own stores in your area to find the best cash price between them. Even bargain against each other. You’re the customer, they want your business so try. Make sure you talk to the manager or owner, though. Many times, they are the only ones with the authority to bargain.

Retail ’90 days same as cash’ is the same premise as rent to own but it is a credit transaction. You have a legal obligation to fulfill the transaction whether 90 days or more if you cannot meet the 90 days obligation. If you cannot make the necessary payments within the 90 days then you’re put on a credit payment plan and interest is charged. Sometimes an outrageous amount up to 20 -24%. Make sure you ask that specific question before entering a retail ’90 days same as cash’ transaction.

The pros of a retail ’90 days same as cash’ is that the retail price is usually a good deal. They’re counting on you to not be able to complete the payments then you get hit with fees, penalties and interest. And you’re legally obligated to finish the payments that now are on a credit basis that you originally agreed prior.

’90 days same as cash’ is also a cash loan transaction. They can be great if the loan is small and you’re in a bind but those can be the most costly if you cannot make the payments in those 90 days. So make sure you corner them on the exact cost, penalties, interest that will happen if you cannot make the payments in 90 days.

The bottom line with the ’90 days same as cash’ offers is they’re great with discipline. If you’re unsure though then be careful especially with cash loans. In regards to ’90 days same as cash’ with home furniture and other home goods, retail vs rent to own have a very distinct difference between being obligated to the debt you legally signed yourself to versus the debt free rent to own transaction.

Just another Shop RTO Home Lifestyle and Personal Finance tip.

ShopRTO provides consumers home living and decorating tips and rent to own as a shopping option for affordable home furniture and more.

Gas saving tips for the family budget

September 10, 2014 By ShopRTO

Try these gas saving tips to help your budget.

It’s called hypermilling. Tactics to help save gas thus money. Some of the tactics are illegal and controversial so we’re not mentioning those but here are some smart ones you need to execute.

Before those tips, we have to mention the obvious. Walk or ride your bike as much as possible whenever you can. Carpool whenever you can. And, find ways to not drive. Many people are asking to work at home or using flex hours to avoid peak driving times and many employers are just fine with it. Heck, if it gets another car off the road then they’re happy too.

But, if and when you drive here are some great fuel saving tips.

1. Get the junk out of the trunk. Any unnecessary and heavy items in your trunk or back seats weighs down the car and wastes gas.

2. Find the quickest way to your most used routes. For most people, it’s to and from work and the grocery store. This may sound obvious but in the world of traffic, it isn’t because the old adage of the “shortest path from A to B is a straight line” isn’t fuel efficient in many ways. Sitting, idling and shuffling the car on a highway is the biggest waste of energy so take some time to look at alternate ways. If it gets you there quicker in real time during peak traffic then switch to that route.

3. Memorize your route through traffic lights and stop signs. Braking your car and accelerating take a toll on your car and gas bill so if you memorize your route, you’ll know where the stop signs are and you’ll begin to know the timing of the stop lights to anticipate stops thus easing your way to those stops.

4. Here’s my favorite. Coast the most. Have you ever notice how many people speed up to stop? They know it’s a red light yet they speed right up to it as if their car will magically turn the light green and even if it did, you’d still have to stop to watch for thru traffic or a car in front of you. It’s a ‘driving mad’ or ‘I’m important cause I’m in a rush’ syndrome. When you see or know it’s a red light or will be a red light, take your foot off the pedal and coast to the stoplight. Your not using any gas nor brakes thus saving in two ways and that’s why it is important to memorize your most used routes, you’ll know when to anticipate the stops. You can also monitor the pedestrian signals that tell you if the light is about to turn yellow or not. Coasting can be the most fuel efficient tactic you can use.

5. Don’t idle. If you’re waiting on your child or date and know they’ll take some time. Turn the car off.

6. Don’t use the air conditioner if you can. If you live in the south and it’s Summer, the air conditioner is mandatory otherwise try not to when you can.

7. Park in a spot that’s easy to get in and out. Trying to get that closest spot causes a lot of idling driving in and out. Park a little further out and you avoid that problem and maybe walk a few calories off.

8. Avoid drive-thrus. Most of the time, it takes longer to get your order. Just park, walk in, order to-go then head on out.

9. Check your tire pressure. Tires need to be properly aired otherwise you will drag your car and your wallet.

There are many other minor tips that can help in tiny ways or, like stated above, can be dangerous so stick with the above recommendations and watch how you’ll save an extra day’s gas and money.

Just another ShopRTO Lifestyle and Family Budget tip.

ShopRTO provides consumers home decorating and living tips and promotes rent to own as a shopping option for affordable home furnishings.

The American Dream redefined but still revolves around family and home

June 10, 2014 By ShopRTO

Today’s American Dream is home ownership and financial stability for the family.

The “American Dream” has changed through the generations. First coined after the great depression, the phrase signified the ability to move up social classes to a greater standard of living.

Now, the American Dream has more of a meaning of security rather than prosperity according to a recent story conducted by Ketchum Global Research commissioned by rent to own company Aarons. More than 90 percent of survey respondents equate the American Dream having a good job and owning their own home. “Social Freedom”, the belief for their children having a better life and the ability to save money is right up there with 89%.

Being more practical is becoming the new aspiration as many Americans feel the new norm is being buried in debt and trying to manage a responsible budget. Luxury items such as jewelry are being replaced with technology and furniture as items that fulfill the American Dream for today’s society.

In the end, though, the study revolved around the new expectations that have culminated from different economic circumstances that exist today. The continued difficulty of owning a home and being debt free has pushed those two to the top of what Americans desire.

While owning a home and secure family finances is always at the core of the American Dream, past generations thought those were a given. With today’s financial environment, home ownership and financial stability are now what Americans dream of.

Just another ShopRTO personal finance and lifestyle tip.

ShopRTO provides consumers home decorating and living tips and promotes rent to own as a shopping option for affordable home furnishings.

Broken New Year’s financial resolutions? Get back on track!

January 30, 2014 By ShopRTO

Only a month in and you’ve broken your New Year’s financial resolutions.

We all have good intentions, and then we mess up. Chances are you’ve already broken your vows to do better money-wise and you’re not alone. But never fear, it’s not too late to get back on track with these helpful tips.

Broken vow #1: I will not live beyond my means.

What went wrong: You hit all those after-holiday sales, your credit card balances are rising and your bills are out of control.

Put the brakes on: Start by reviewing your budget over the past year to see where your money actually went, say personal finance experts. You could easily cut out up to $100 per month on unnecessary expenditures.

Broken vow #2: I will pay down my credit card debt.

Oops: You just couldn’t avoid the temptation of pulling that plastic out of your wallet. Instead of cutting your debt, your balance got even bigger.

Get plastic smart: Removing all but one low-interest credit card from your wallet, then take out a piece of paper and create four columns. List every card you owe money on, the amount, APR, and the dollar amount of the interest you pay each month just to service that debt.

Broken vow #3: I will start saving this year!

What went wrong: After paying your bills, there’s nothing left.

Get money smart: Think small. One of the biggest money blunders people make is keeping all of their dollars in one place, say consumer experts. When you don’t separate savings accounts from checking accounts, you’re more likely to dip into those funds and lose track of your goals.

Broken vow #4: I will pay more attention to my investments.

What went wrong: You have better things to do and it really doesn’t interest you.

Get money smart: Set firm dates to review your investments regularly and stick to the plan.

Broken money vow #5: I will finally get around to getting a will.

What went wrong: So many less depressing things to take care of?

Get money smart: Consider what’s at stake if you don’t have a will. The state – not you – will determine who gets what when you are gone.

FULL STORY

Another ShopRTO Financial tip.

ShopRTO provides consumers home living and decorating tips and rent to own as a shopping option for affordable home furniture and more.

Just say “no” to bad customer service and experience

October 24, 2013 By ShopRTO

Say “No!” to bad customer service

Just say “no” is the customer revolution going on right now. You, the shopper, are in full control of your home furnishing purchases. And, with a simple “no, I’m not going to shop here because I don’t need you” means that retail store has to answer to the revolution or die. And, you, the customer are the executioner.

You have all the information at your finger tips to make sure you have the best deal, price and product so why do you need a salesperson? How do you choose which store to shop? Do you need a store?

With home furniture, kitchen appliances, HDTVs and such, you still need someone to deliver and set-up. You need to make sure you physically sit on that living room furniture to make sure it looks and feels great because pictures on the net are very deceiving. You also need to make sure it’s going to fit the space you need. So, you home furniture shoppers need the brick and mortar store so now it’s a matter of choosing.

Price is now not much a function because you can walk in to any store, show them the price from the web and they have to match or they get to see your back as you walk out. Just say “no” and that store lost a customer, probably for life and a bad word-of-mouth that with a click of button can go to hundreds. And, with the likes of “Yelp” can go to thousands.

O’ retail stores bow down to the almighty customer. You are at our mercy in every fashion. And, the smart stores know this. So what do they do?

It’s called “Store Experience”. That’s the revolution that’s answering the customer revolution. Retail stores have to make sure their stores look great, fabulous, shiny; whatever it takes to bedazzle the customer to feeling good about shopping at that store. Customer service better be beyond recognition. That arrogance, disinterested sales person is a way of the past.

And, if you experience that lackadaisical demeanor for one instance, just say “no” and walk out immediately and let the store die so someone who understands our power will come in to serve us like kings.

Interestingly enough, one industry retail stores are looking at is rent to own stores. Their business model is fundamentally customer service. Their prices are higher but millions of customers keep coming in every day. And, looking at industry statistics, more and more are coming every day. Why? Customer service.

Because of that customer service model, you have retail stores such as Conn’s and Sears looking at rent to own stores to find out why they are growing customers and stores such as Sears are dying.

Wake up, shoppers. You have a power that has never existed in the marketplace and the more you use it the quicker you become royalty every time you walk in a place where you want to spend your hard earned money that they are begging for.

Just another ShopRTO shopping lifestyle tip.

ShopRTO provides consumers home living and decorating tips and promotes rent to own as a shopping option for affordable home furnishings.

Federal Reserve Board’s Credit Card Report Shows Americans May Be Turning to Debt-Free Options Such as Rent to Own and Used Home Furniture

October 17, 2013 By ShopRTO

Avoid debt with rent to own.

The Federal Reserve Board released its monthly report showing consumers cut back on credit card use for the third month in a row reflecting a debt-cautious economy. ShopRTO responds to this trend by educating consumers on other options such as buying used and rent to own.

Austin, TX (PRWEB) October 17, 2013

Home lifestyle website, ShopRTO, cautions Americans against further consumer debt during shaky financial times. In response, ShopRTO recommends consumers consider rent to own to buy used or to acquire home furnishings credit free.

ShopRTO recommends that the first and obvious tip is to save enough money to buy home furnishings outright. But, many Americans do not have this option especially when families must have certain items for the home such as refrigerators, beds and even computers.

Since current trends show Americans are rejecting credit card use, consumers should look at buying used or renting to own.

When going the “used” home furniture route, try rent to own stores. Rent to own statistics show more than 70% of consumers return the merchandise within three to four months leaving an abundance of barely used furniture, appliances, HDTVs and other home furnishings.

The key is finding the right store that provides the item needed. Call stores nearby and ask for the manager or owner. The manager and owner are the ones who have the most stakes in generating revenue and in power to providing the best deal.

When making the deal, make sure to include delivery in the price. Rent to own stores offer free delivery as part of their transaction but make sure it is included. And, if possible, negotiate better deals between two different rents to own stores to see if one will provide a better deal.

If you rent to own, go with the 90, 120 or 180 days same as cash option. Most stores offer a cash price a little above retail and credit is not extended therefore no debt is incurred. The trick is to make the necessary payments to make the most out of the deal.

If the cash price listed is significantly above retail then ask the person in charge to adjust it. Negotiations may be more difficult with corporate chains then with locally owned businesses so consumers need to be aware of that dynamic when shopping rent to own.

If you are unable to make the 90, 120 or 180 day payments then change to a traditional rent to own payment plan. The price will already be reduced due to previous payments. And, with rent to own, the customer is in full control of the transaction. And remember the golden rule of all transactions, the fewer the payments then the lower overall cost.

If the customer has to return or wants to return the product, credit was never extended therefore no debt incurred or negative impact to credit scores. Therein lies the significant difference between rent to own and a credit card.

If the customer has to return the product due to financial reasons, the rent to own store will keep the product or provide a similar product if the customer wants to begin re-renting the product without losing any previous payments.

About ShopRTO.com:

ShopRTO provides affordable home decorating and lifestyle tips for Americans and when rent to own may be right for their home shopping choices.

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Ten tips to make your wardrobe last

October 17, 2013 By ShopRTO

Extend the life of your favorite clothes and accessories with these key strategies.

1. Iron clothing inside out. “Ironing can fade dark colors as well as create shine marks on fabrics with sheen, like gabardine, acetate, and polished cottons,” says Chris Allsbrooks, a textile analyst with the Dry Cleaning & Laundry Institute, in Laurel, Maryland. Avoid damage by using the appropriate heat setting and pressing the item on the reverse side. Or use a cloth between garment and iron. And, adds Boorstein, “never iron a crease on a black garment―it can leave a permanent line.”

2. Add sole protectors to your shoes. Have a cobbler attach rubber bottoms to shield leather soles from water absorption and general wear and tear. They cost about $20, but “they can extend the life of your shoes by years,” says Jim McFarland, owner of McFarland’s Shoes and Repair, in Lakeland, Florida.

3. Switch to wool athletic socks. Wool socks aren’t only for cold days. “A lesser-known benefit of wool is that it can help keep sneaker interiors stink-free, thanks to its natural ability to wick moisture away,” says Rodney Kott, Ph.D., a sheep specialist at Montana State University, in Bozeman.

4. Remove all jewelry before swimming. The chlorine in pool water wears away the surface and the shine, according to Krodel.

5. Zip up to avert snags. Your clothing goes into the wash perfectly intact. Later you notice a mysterious pull. “The teeth of zippers (especially those made of metal, as on jeans) or any kind of hook closure is typically the culprit,” says Boorstein. Next time close all zippers and clasps before tossing clothes into the washing machine (or, better yet, the hamper).

6. Hand wash cashmere. Repeated poor-quality dry cleanings can lead to fiber breakage. Plus, an old-fashioned hand washing leaves the cashmere considerably softer. Use lukewarm water and a mild soap, such as the Laundress Wool & Cashmere Shampoo, and lay flat to dry. Remove excess water by rolling the garment in a towel―never wring it.

7. Don’t drive in good heels. “The floorboard scuffs the heel, and the pedal scratches the toe,” warns Elena R. Aronson, a San Francisco–based stylist and personal shopper. Drive in simple flats, or try heel protectors by Smart Heel, which are plastic coverings that slide over high heels.

8. Stock up on underarm shields. To prevent armpit stains that crop up no matter how diligent you are about cleaning, Mary Lou Andre, author of Ready to Wear: An Expert’s Guide to Choosing and Using Your Wardrobe, suggests creating a barrier between you and the fabric with adhesive underarm shields, which attach to the inside of the clothing. A sleeved tee layered underneath works, too.

9. Never hang pearls. “This weakens the silk threads that hold the necklace together,” says Helena Krodel of the Jewelry Information Center, in New York City.

10. Launder whites after every wear. It’s tempting to put a white blouse back into the closet after a spill-free wearing. After all, it looks spotless. But “body oils and perspiration, along with other time-released stains (like perfume, white wine, and oil splatters), will start to give a once-bright white a yellowish tint,” says Steve Boorstein, developer of the DVD Clothing Care.

Find more tips to help your wardrobe last go to Real Simple.

Just another ShopRTO money saving and laundry tip.

ShopRTO provides consumers home living and decorating tips and rent to own as a shopping option for affordable home furniture and more.

Pad Your Budget: Cut $50+ From Your Grocery Bill

September 26, 2013 By ShopRTO

Are you spending too much on your grocery bill? Here are some expert ways to save.

The US Department of Agriculture estimates that a family of two spends about $350 a month on groceries. (And that’s a thrifty budget!) We get it — it’s hard to feed yourselves on a tight budget, especially if you want to eat well (we’re talking nutrients, not loads of Bagel Bites). While many of us are inspired by those tales of women extreme couponing (thanks, TLC), not all of us can put in the time and effort it takes to stockpile 87 bottles of ketchup and 70 boxes of microwave popcorn.

So we asked Jeanette Pavini, household savings expert for Coupons.com, to break down the easiest ways to save. If you put these tips to work, you can easily save $50 a month on groceries. (That’s $600 a year!)

Pay Attention to Product Placement

Eye-level placement generally means “avoid” since companies pay to place products at eye level. A lot of times you can find the less expensive brands and best deals on the top and bottom shelves. Also, just because items are on a special display or at the end of the aisle doesn’t mean they’re the best value. Always check the price tag for the price per ounce to make sure you’re getting the most for your money.

Save Money on Meat

Compare cost per serving, not cost per pound. “That way you’ll be able to take into consideration bones and fat, which may mean that a much cheaper piece of meat is not really a good deal at all,” says Pavini. She recommends looking at larger whole cuts of meat, as they’ll usually be much cheaper than the same amount cut into smaller pieces. “You can always ask the butcher if he’ll cut it into small pieces for free,” she adds. If you have the room, you can freeze larger cuts as well. And when in doubt, use chicken. “If a recipe calls for duck, veal, rabbit or a game bird, you can oftentimes use chicken as an inexpensive substitute,” Pavini explains.

Pack a Punch With Produce

It’s hopefully a no-brainer, but plan your meals around what’s in-season. You’ll find cheaper prices and better quality. For fall? Stick to root veggies, butternut squash, figs and citrus fruits. The price per unit rule applies here: Sometimes it’s cheaper to buy items like potatoes, tomatoes, avocados and onions in bags versus individually. “For example, I saw avocados for $2.50 each, while a bag of four was going for $4,” says Pavini. And avoid precut produce. The convenience seems awesome (and the packaging is usually much more eye-catching!), but you’ll save a lot of money washing, peeling and cutting the veggies yourself at home.

Avoid Impulse Purchases

Avoid impulse buying and plan a menu. Try to incorporate ingredients into multiple meals so you don’t waste produce, dairy and other perishable items, says Pavini.

One big rookie mistake is letting yourself be pressured into buying in bulk to get the “sale price.” “If a sale says five for $10, don’t feel obligated to buy all five,” advises Pavini. Check the store policy — usually you’ll get the same discount if you buy just a single item. The same with limits — don’t take the number as a sign of how many you need to buy because you think that’s an indicator of a great deal. Oftentimes, a place might just be low on stock. Only buy what you need and will use.

SOURCE

Just another ShopRTO Financial Tip.

ShopRTO provides consumers home living and decorating tips and promotes rent to own as a shopping option for affordable home furnishings.

Air conditioner energy saving tips

August 2, 2013 By ShopRTO

Try these tips to cool down your bills.

Buying a bigger room air conditioner won’t necessarily make you feel more comfortable during the hot summer months. In fact, a room air conditioner that’s too big for the area it is supposed to cool will perform less efficiently and less effectively than a smaller, properly sized unit. The reason: an oversized unit will cool the room(s) to the thermostat set-point before proper dehumidification occurs, making the area feel “clammy” and uncomfortable. Central air-conditioning systems need to be sized by professionals.

If you have a central air system in your home, set the fan to shut off at the same time as the compressor, which is usually done by setting the “auto” mode on the fan setting. In other words, don’t use the system’s central fan to provide air circulation — use circulating fans in individual rooms.

Instead of air-conditioning, consider installing a whole-house fan. Whole-house fans work in many climates and help cool your home by pulling cool air through the house and exhausting warm air through the attic. Use the fan most effectively to cool down your house during cooler times of the day: your home will stay cooler through the hotter times of the day without using the fan.

COOLING TIPS
Set your thermostat at as high a temperature as comfortably possible in the summer, and ensure humidity control if needed. The smaller the difference between the indoor and outdoor temperatures, the lower your overall cooling bill will be.

Avoid setting your thermostat at a colder setting than normal when you turn on your air conditioner. It will not cool your home any faster and could result in excessive cooling and, therefore, unnecessary expense.

Consider using an interior fan along with your window air conditioner to spread the cooled air through your home without greatly increasing your power use.
Avoid placing appliances that give off heat such as lamps or TVs near a thermostat.

LONG-TERM SAVINGS TIPS
If your air conditioner is old, consider buying an energy-efficient model. Look for the ENERGY STAR® and EnergyGuide labels — qualified room air conditioners are 10% more efficient, and qualified central units are about 14% more efficient than standard models. Consider installing a whole-house fan or evaporative cooler if appropriate for your climate.

Just another ShopRTO energy saving tip for the home. This article is from energy.gov.

ShopRTO provides consumers home decorating and living tips and promotes rent to own as a shopping option for affordable home furnishings.

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personal finance

ShopRTO provides consumers home living and decorating tips and rent to own as a shopping option for affordable home furniture and more.

ShopRTO provides consumers home decorating and living tips and promotes rent to own as a shopping option for affordable home furnishings.

ShopRTO provides consumers home decorating and living tips and promotes rent to own as a shopping option for affordable home furnishings.

ShopRTO provides consumers home living and decorating tips and rent to own as a shopping option for affordable home furniture and more.

ShopRTO provides consumers home living and decorating tips and promotes rent to own as a shopping option for affordable home furnishings.

The Federal Reserve Board released its monthly report showing consumers cut back on credit card use for the third month in a row reflecting a debt-cautious economy. ShopRTO responds to this trend by educating consumers on other options such as buying used and rent to own.

ShopRTO provides consumers home living and decorating tips and rent to own as a shopping option for affordable home furniture and more.

ShopRTO provides consumers home living and decorating tips and promotes rent to own as a shopping option for affordable home furnishings.

ShopRTO provides consumers home decorating and living tips and promotes rent to own as a shopping option for affordable home furnishings.

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