Robert Ritua, Your Real Estate Guide

10/30/2026

Aloha everyone,

Happy NEVADA DAY!

Nevada Day is a state holiday in Nevada that commemorates the state's admission to the United States on October 31, 1864. It is celebrated annually on the last Friday in October.

Nevada Day is celebrated to honor the state's unique history and culture.
The state has a rich history of mining, gambling, and tourism, and these industries have all played a role in shaping Nevada into the state it is today.

On Nevada Day, Nevadans come together to reflect on the past, celebrate the present, and look forward to the future.

Here are some resources for Nevadans
Nevada 211, a program of the Nevada Department of Health and Human Services, is committed to helping Nevadans connect with the services they need.
Call 2-1-1 or 1-866-535-5654
https://www.nevada211.org/

Home Is Possible — A Program of the Nevada Housing Division
Home is Possible (HIP) For First-Time Homebuyers offers interest-free down-payment assistance with a competitive interest rate to give buyers more buying power.
Program Benefits:
• Down payment assistance up to 4% of total loan amount
• Usable for down payment and closing costs
• 30 year non-forgivable
• Attractive 30-year fixed interest rate
• Statewide program
Learn more at:
https://www.homeispossiblenv.org/

Nevadans for the Common Good
Nevadans for the Common Good (NCG) is an affiliate of the Industrial Areas Foundation (IAF), the nation’s oldest and largest leadership development and organizing network. The IAF bases its work on the idea that a healthy democracy requires the active participation of ordinary people. Nevadans for the Common Good is a broad-based network of local institutions-- faith-based, non-profit, educational, labor, and civic organizations-- that come together to develop leaders, identify shared issues affecting our communities, and take action around these issues.

As a Nevada Citizen and member of Christ the King of Las Vegas, I’m honored and feels great to be part of Nevadans for the Common Good.
Click on the link to learn more about NCG
https://www.nevadansforthecommongood.org

It’s Your Time to Shine!
Success is not about the critic it is about YOU the champion that stays in the battle and finishes the game!
Remember, Persistence + Failure = Success

Suggestive Books to Read from Local Nevadan Authors:
Ace the Job Interview: The Fundamental Skills to Ace Any Job Interview, By Robert Ritua
Surviving to Thriving: How to Overcome Setbacks and Rock Your Life, By Sheryl Green

Other Suggestive Books to Read/Audiobooks to Listen to:
Rich Dad, Poor Dad, By Robert Kiyosaki
Think & Grow Rich, By Napoleon Hill
The Power of Broke, By Daymond John
Shark Tales, How I turned $1,000 into a Billion Dollar Business, By Barbara Corcoran

Stay Awesome!

Sincerely,

Robert Ritua
Real Estate Agent, NVRE: BS.145991
BETTER LIFE BROKERED BY EXP REALTY

09/17/2026

Aloha everyone,
Fed Chairman Kevin Warsh announced the Fed Reserve raised its benchmark interest rate by 25 basis points to a target range of 3.75%-4%, its first increase since 2023. FOMC Press Conference Sep 16, 2026
Published on Fed Reserve You Tube Channel, Wed Sep 16, 2026
Click on the link Below to watch the video:
https://www.youtube.com/watch?v=ELU3u2Ny7r0

Fed raises rates: What it means for your credit cards, mortgages, savings accounts and auto loans
Article By Jessica Dickler, Published on CNBC, Wed, Sep 16, 2026
Click on the link for Full Article:
https://www.cnbc.com/2026/09/16/fed-rate-hike-consumer-borrowing-and-savings-rates.html

Excerpt from article:
“Key Points
• The Federal Reserve raised interest rates at the conclusion of its September meeting.
• Although President Donald Trump pushed for a rate cut, stubborn inflation forced the hand of Fed Chairman Kevin Warsh and the Federal Reserve’s Board of Governors.
• The central bank’s benchmark rate influences a wide range of consumer borrowing and savings costs, including mortgages, credit cards, car loans and deposit rates.
• The move to raise rates comes at a time when some U.S. households are under increased financial strain.”

Check this Video
Why Hire a Buyer's Agent vs Do It Yourself
https://youtu.be/FJw37ZCT-fY

Sincerely,
Robert Ritua
Real Estate Agent, NVRE: BS.145991
Better Life Brokered by EXP Realty
Level up! Live it Up!

FOMC Press Conference Sep 16, 2026
Published on Fed Reserve You Tube Channel, Wed Sep 16, 2026
Click on the link Below to watch the video:
https://www.youtube.com/watch?v=ELU3u2Ny7r0

Transcript (PDF): https://www.federalreserve.gov/mediacenter/files/...

09/11/2026

9-11 Honor and Remember
Patriot Day, observed on September 11th each year, is a national day of remembrance in the United States to honor the victims of the September 11th attacks.

It is a solemn day for reflection, honoring the lives lost and the sacrifices made.

9/11 Memorial & Museum: Located at the World Trade Center site in New York City, this museum serves as a powerful tribute to the lives lost on September 11th. It houses artifacts, exhibits, and oral histories that tell the story of the attacks and their impact.
September 11th National Memorial: This poignant memorial also stands at the World Trade Center site. It features two reflecting pools where the Twin Towers once stood, with the names of the victims inscribed on the surrounding walls.

Flight 93 National Memorial: Located in Shanksville, Pennsylvania, this memorial honors the 40 passengers and crew of United Airlines Flight 93 who valiantly fought back against the hijackers, preventing further loss of life.

Pentagon Memorial: Situated at the Pentagon in Arlington, Virginia, this memorial commemorates the 189 victims of the attack on the Pentagon.

9-11 Also a time in history to remember when people in America, United We Stood again as One Nation and in hopes we perpetuate our Patriotism for our great nation.

Sincerely,

Robert Ritua, Proud US Navy Veteran,
Real Estate Agent, NVRE: BS.145991
Better Life brokered by EXP Realty

09/05/2026

Aloha everyone,
I hope your Labor Day Weekend is going fantastic so far.

Labor Day celebration began when the women and men campaigned tirelessly for workers' rights in the labor movement of the late 19th century. Their hard-fought wins are the reason for many of the rights we enjoy and take for granted today, such as a 40-hour work week, safe work conditions, paid time off, and sick leave. Those workers saw that there could be no freedom and liberty in this country without economic freedom for the working class. This holiday honors the source of this nation's strength—American workers, unions, and labor leaders. No matter how you decide to celebrate Labor Day 2025, take some time to reflect and pay tribute to all the laborers, past and present, who helped build America and make it the country it is today.

I would also like to share with you some inspiration.
Success is not about the critic it is about YOU the champion that stays in the battle and finishes the game!
People pursing their dreams need to hear the truth that sometimes it is hard to continue, it can be tough to finance your dreams and the naysayers love to see you fail! You have to rise above the noise pollution of your haters and stay the course! Always remember the following: Persistence + Failure = Success
It is OK to reach out for help! The greatest success stories in the world all received help from other leaders!

I would like to share with you some links to inspirational videos.
Suggestive Watching:

How This Garbage Man Built A Billion Dollar Empire
Published on Codie Sanchez You Tube Channel, Apr 03, 2026
https://www.youtube.com/watch?v=pD7TO-Pwlzk

Most Emotional Pitches 🥲 | Shark Tank US | Shark Tank Global
Published on Shark Tank Global You Tube Channel, Aug 01, 2026
https://www.youtube.com/watch?v=tdyjtkJEin8

The Power of One More That Will Save You 20+ Years of Wasted Life | Ed Mylett
Published on Ed Mylett You Tube Channel, Sep 05, 2026
https://www.youtube.com/watch?v=rIkaOuL1ZPQ

Continue to feed your mind. Read inspirational books. Complete a course. Attend a seminar. And be around people that will get you to where you want to go. You may encounter challenges but you have to rise up and keep going. Remember, Persistence + Failure = Success

Stay Awesome!
Have a Safe and Fun Labor Day Weekend!

Sincerely,

Robert Ritua
Real Estate Agent, NVRE: BS.145991
BETTER LIFE BROKERED BY EXP REALTY

08/15/2026

ATTN NEVADANS:

In Nevada’s November 2026 general election, there is an abortion ballot initiative that proposes to radically expand and enshrine abortion into our Nevada Constitution.

The Nevada Catholic Conference opposes this constitutional amendment and the ballot initiative seeking to permanently place the right to abortion in our state constitution.

We urge you to VOTE NO on this dangerous initiative that threatens the dignity, safety, and rights of women, children, and families for many reasons; among them:
• It expands abortion rights: Abortion already legal in Nevada up to 24 weeks of pregnancy, would now be permitted to the 9th month of pregnancy, to full term.
• It ratifies removal or parental notification and family involvement from abortion decisions made by minor children. Parental consent is required to give a student a Tylenol; yet this initiative would allow a minor to obtain an abortion without a parent even knowing.
• It is dangerous for women and young girls. Question 6 would replace the licensed physician requirement for abortion with health care practitioner, a term that includes nurses, dentists, opticians, and medical laboratory technicians (NRS 439A.0195) And severely threatens the states’ ability to regulate abortion clinics for basic health, safety, and sanitary conditions.

VOTE NO on QUESTION 6!

08/15/2026

Aloha everyone,

Here’s the Housing Snap Shot for May, Jun, & Jul 2026 Las Vegas Real Estate
According to the Las Vegas Realtors MLS
Median Price Unit Sold for Single Family Home
May 2026 $490,000
Jun 2026 $490,000
Jul 2026 $480,000
Homes Sold closed in 30 days or less from listing
May 2026 58.2%
Jun 2026 58.2%
Jul 2026 57.4%

Median Price Unit Sold for Single Family Home remains historically elevated.
What this means for Home Sellers?
Now can still be a good time to sell. You can still sell your home in today’s market and get top dollar for your home.
What this means for Home Buyers?
If mortgage rates decreases, more buyers will enter the market competing to buy and lock in mortgage rates before mortgage rates move back higher. And with low inventory, home prices likely to stay high and/or rise and with more buyers competing, there may also be some bidding wars in some markets.
Now can be a good time to buy! Don’t wait until more home buyers enter the market. More competition in a low inventory market means you may end up in bidding wars. So, don’t wait until more home buyers or renters enter the market. With less competition is where you can often negotiate with better terms and contingencies with the seller.

Check this Video
Why Hire a Buyer's Agent vs Do It Yourself
https://youtu.be/FJw37ZCT-fY

Sincerely,
Robert Ritua
Real Estate Agent, NVRE: BS.145991
Better Life Brokered by EXP Realty
Disclaimer
These contents, including but not limited to, posts and discussions are for educational purposes only and should not be construed as financial or legal advice. Information and resources provided are also for educational purposes only.

08/01/2026

Fed holds rates steady: What it means for credit cards, savings accounts, mortgages and auto loans
Article By Jessica Dickler, Published on CNBC, Wed, Jul 29, 2026
Click on the link for Full Article:
https://www.cnbc.com/2026/07/29/fed-interest-rates-credit-cards-mortgages-auto-loans-debt-savings-accounts.html
Excerpt from article:
“Key Points
• The Federal Reserve kept interest rates unchanged at the conclusion of its July meeting.
• The central bank’s benchmark rate influences a wide range of consumer borrowing and savings costs, including mortgages, credit cards, car loans and deposit rates.
• Although President Donald Trump has said that the U.S. “should have the lowest interest rate in the world,” energy-price hikes from the Iran war have complicated the picture for Fed Chairman Kevin Warsh and the Fed’s Board of Governors.”

“Similarly, 15- and 30-year fixed mortgage rates don’t directly track the Fed’s benchmark rate but also follow the lead of long-term Treasury rates. With renewed tensions between the U.S. and Iran, mortgage rates have already moved near a one-year high, according to Mortgage News Daily. The average rate for a 30-year, fixed-rate mortgage was 6.76% as of July 28.
“It may take either another lower-than-expected inflation reading or an uptick in jobless claims before mortgage rates can break below their current range,” said Jeff DerGurahian, LoanDepot’s chief investment officer and head economist.”

The Fed's benchmark affects many of the interest rates consumers see every day, including those tied to mortgages, credit cards, car loans and savings accounts.

08/01/2026

Fed Chairman Kevin Warsh announced the Fed to leave policy rate unchanged and still committed to bring the inflation rate to their 2% goal.
FOMC Press Conference Jul 29, 2026
Published on Fed Reserve You Tube Channel, Wed Jul 29, 2026
Click on the link Below to watch the video:

Transcript (PDF): https://www.federalreserve.gov/mediacenter/files/...

07/04/2026

Happy Independence Day USA!
It’s a time to celebrate and honor our country's history, pay tribute to the principles of freedom and democracy and express gratitude for the liberties enjoyed by its citizens.

On July 4, 1776, the Continental Congress adopted the Declaration of Independence, which declared the thirteen American colonies as a new nation, the United States of America, free from British control. This declaration marked a pivotal moment in the American Revolutionary War and the birth of a new nation.

Independence Day symbolizes the ideals of freedom, liberty and the pursuit of happiness upon which the nation was built. It serves as a reminder of the sacrifices made by the founders of our country and all those who fought for independence, as well as a celebration of the American spirit and unity.

Journey to the Pursuit of Happiness
I would like to share with you some inspiration and insight to help you achieve your goals.

It Was All A Dream- BEST INSPIRATIONAL VIDEO
Published on Valuetainment You Tube Channel, The Power of One. A message from Patrick Bet-David, May 02, 2019
https://www.youtube.com/watch?v=ItD0z1-Qslc

Arnold Schwarzenegger Leaves the Audience SPEECHLESS | One of the Best
Published on MotivationHub You Tube Channel, Aug 12, 2020
https://www.youtube.com/watch?v=1bumPyvzCyo

The Apollo Story (Steve Harvey’s Story of Success)
The Official Steve Harvey You Tube Channel, Dec 16, 2019
https://www.youtube.com/watch?v=9igSh9IwMAc

Sara Blakely: How She Built SPANX from the Ground Up
Published on Tony Robbins You Tube Channel, Jul 22, 2021
https://www.youtube.com/watch?v=BnvoO32JwP8

Suggestive Books to Read/Audiobooks to Listen to:
Rich Dad, Poor Dad, By Robert Kiyosaki
Think & Grow Rich, By Napoleon Hill
The Power of Broke, By Daymond John
Shark Tales, How I turned $1,000 into a Billion Dollar Business, By Barbara Corcoran
Continue to feed your mind. Read inspirational books. Complete a course. Attend a seminar. And be around people that will get you to where you want to go. You may encounter challenges but you have to rise up and keep going. Remember, Persistence + Failure = Success

Stay Awesome!
God Bless America!
Happy Independence Day USA!

Sincerely,
Robert Ritua
Real Estate Agent, NVRE: BS.145991
BETTER LIFE BROKERED BY EXP REALTY

06/21/2026

HAPPY FATHER’S DAY
Aloha everyone,
To all the fathers, grandfathers, and even those who play a father’s role, HAPPY FATHER’S DAY!

Having had a father in my life and also being a father of 3, I would like to extend my love, gratitude, and support to all the types of fathers out there.

Fatherhood holds immense importance in society, as it represents one of the most significant roles a person can undertake. While some individuals may have faced challenges in their relationships with their own fathers, others have been fortunate to experience deep and loving connections. We all play a vital role in helping our children grow and thrive, while also touching upon our own personal family history and unique upbringing with our fathers or those who were a father figure in our lives.

Each of us may have our own unique perspective on what it truly means to be a father.
And what I would also like to bring some insight is the transformative influence fathers can have on our children's lives, and anyone they choose to coach, care for, and mentor, illustrating the impact a warm, loving father figure. Such fathers provide not only material and emotional support to families but also offer unconditional love, guidance, wisdom, and protection throughout the various stages of a child's life.

Fathers and everyone else pursing their dreams and working hard in providing even better and brighter future for their children and family, pray for the strength as you work though challenges in your journey.

Always remember the following:
Persistence + Failure = Success
It is OK to reach out for help! The greatest success stories in the world all received help from other leaders!

Some quick tips to help you along the journey - Read inspirational books, invest in networks, feed your soul with quality family time, treat everyone you meet with respect and Thank God everyday for the blessings in your life!
Stay Awesome!
Once again, to all the fathers, grandfathers, and even those who play a father’s role, HAPPY FATHER’S DAY!