This Site is Purposed to Prompt with kindness the Private Sector Side of the Federal Reserve Bank To Be Fair in the Use of Monetary Policy Powers.  The FED is Unfair in its Program for Those Without Financial Assets who also have Little Support from Strong Emotional and Ethical Assets, Attributes and Positive Expectations. 

This is Distinctly Different from Those Who Own Financial Assets. 

The Email March on the FED is detailed by the content on this website.  You join the Email March by joining this site. You inform yourself by understanding and contacting us about the email letters and this site. This service is for sale to effective citizens and we pay you to comment and improve on the letters and the content as the site moves in kindness to prompt the private sector FED to influence the at risk citizens with effective fair action. The 1977 Community Reinvestment Act is not first things first action. The emails here can be downloaded for your needs. They are also the numbered tabs on the left index

The Email March on the Influencers of Kindness messaging to all age 0-6 children is detailed by pages A-F located at the bottom of the left column. You join the Email March to create this kindness influence. See the membership page to get started.  You inform yourself by understanding and contacting us about the Kindness influence. This service is for sale to effective citizens and we pay you to comment and improve on the letters and the content as the site moves with kindness to prompt the private sector influencers. Six letters to encourage influencers to be sent by effective citizens are presented.  They are encouraging the use of the truth reflected in the right column.  See the membership page to get started.

End in Mind with the FED and FOMC Funding Fairness

#3 From: <>
Sent: Wednesday, January 29, 2020 12:21 PM
To: 'Ombudsman' <>
Subject: End in Mind

 We have sent this to reach the Chairman of the Federal Reserve Bank and the FOMC; and the Chairman of the Community Advisory Committee charged with providing feedback regarding the Community Reinvestment Act. 

We have an end in mind, but there are at least 15-20 first things first (FTF) dots to be connected to each other to create the end in mind.  It is appropriate to see the dots connected in the private sector under the umbrella of growth economics that require seed capital at the all-inclusive individual levels to create fairness in individual positive expectations.  The FED has been unfair in its use of direct monetary policy payments to those who hold financial assets versus those who lack the basics to hold financial assets.

The email program of communication to you, the FED, will serve several purposes including seeding your vison with a solution based on FTF NewOldMoney.  Gifts for human asset building that you pay for and own where the small costs grow dramatically to a powerful individual market value; plus a block chain of those individual values will overwhelm the deficits created in part by our government’s mis-direction when an elite fights for its use as receipted money. 

Our goal is to send you 10 million emails in the 10th year of this effort to get you to proudly act as the private sectors bank helping the private sector stand 5-50 times larger than the Federal Government in the eyes of we the people.  A best outcome should require less time and effort but…  It will take what it takes.

Fairness can be subjective, but everyone feels it when it is real and when it generates joy and happiness.  A child who is ready to read at age 6 is most joyful and joins mom in a new positive expectation.  This outcome requires you to release the constraint on best early learning one-

Size-fits-one inside the private sector before the age of 6.  You can pay for that (a gift) if you can bail out trillions of financial assets over a couple of years.  The financial risk presented by paid mentor deliveries to a motivated mother and child is low.

Besides the joy and working toward the goal one-size-fits-one with error correction materials there are technical capabilities to measure early brain synaptic closings of new and extra networkable capacity leading to real FTF opportunity.  Today, best is being achieved by too few leaving far too many little brains behind in the real game of equal opportunity and growth.  Because this is a FTF constraint, if you pay to change it, it will change everything.   The technical Theory of Constraints and application would jump into the education systems of our nation if the kindergarten readiness became significant and wide-spread.  The Goal and the Theory of Constraints are capable of changing everything within the present cost demonstrated when real FTF are done right the first time (higher quality).

Please consider this website to be a rough starting statement of potentials requiring more and more work to clarify the private sector’s sustaining outcome of FTF growth education, economics, emotions, ethics and environment.  Most of the 20 dots are discussed in the narrative of the site and in these letters. This PDF introduction does not use the websites.


Thomas D. Wolfgram


Early Reading Skills Delivered

651-735-3018, C 612-968-1579,

Copyright © 2020 By Thomas D. Wolfgram


Footing for this effort

See The Biggest Lie in the History of Christianity, written by Mathew Kelly in 2018 where he shares and defines a Holy Moment on earth that can be delivered by everyone on earth.  While the ASK above is a 100% top to bottom change to the real life of mom and age 0-6 child.  Selflessness and grace will be filled with humility, cooperation, discipline and other fruit of the spirit (page 58) if the reading of the book and adoption of its simplicity becomes real.

I pray to God that the email marches sent to the Federal Reserve Bank (FED) are viewed as a private individual’s good deed representing his or hers’ “Holy Moment”.  A free speech acting with the belief that only our Christian God has the power to generate the intended outcome of equal opportunity based on the individual’s desired intention to influence first things first growth education, economics, emotions and ethic.  Our private sector can still deliver Holy Moments, and delivery is the most basic happiness an individual can have because selflessness generates self-esteem and confidence. Sending of the letter will astound the nation but will also increase the fruit of selfless attention to those around us (page 68).  Page 69 ties the whole concept to Mother Teresa and our secular mess.  Page 79 assures us that this differential will change everything about the future of the nation.


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USA Positive Expectations are detailed though-out this site in the right columns.  

Values, assets, attributes, messages and stories all run together creating civility in a spectrum of absolutes on the right and less absolute (relative) ranging in degree to the left. 

What messages supported by stories do we want to send our age 0-6 children?

I am suggesting, just to start the concept, that grace and curtesy before Justice be a default and at least these messages be sent. 

If these KINDNESS MESSAGES are sent the message of Justice will logically follow with appropriate understanding and  foundation.     

Be Helping

Be Sharing

Be Playing

Be Listening

Be Smiling

Say I'm Sorry

Say Please

Be Thinking

Be Right and Truthful

Be Fair

Be Happy

Be Smart

Help Yourself

Be Growing

Say Excuse Me

Be Excited

Take Turns

Be Humble

Say Thank you

Be Working

Be Polite

Age appropriate civility is important; Equal starts to kindergarten with ready to read and count skill sets are important.  

Assets, Attributes, Positive Expectations 





































More From USA VALUES, Meanings are brought out within the email letters to the FED.  See # posts at the left. 

Start with End in Mind

First-Things-First (FTF)


Present Value of Positive Expectation from Pre-k (PVofPE-Prek)


Early Reading Skills Delivered for Ringing Advantage (High-Quality ERSD-RA)

First Things First Right the First Time (FTFRTFT)

10 Values before 3rd Grade











4 More Values After 3rd Grade





For Those who wish for an Old Testament Biblical Basis 

Reverence for the Lord as the One and Only

Reverence for the Family

Reverence for Life

Reverence for Private Property

Personal Responsibility

Prohibition of Envy

Do not Lie

Do not Steal