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.

Continuing with George Gilder's Scandal of Money - Source to Redefine Growth Education, Economics, Emotions and Ethics

#7 From: <>
Sent: Wednesday, 4/29/2020 11:59 am

To: 'Ombudsman' <>
Subject: Continue Introduction of George Gilder’s Scandal of Money

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.

This letter email will expand on the sixth point of letter email 6 with the concept of the USAVALUES Debit Bond created by the FED.  Today with no government approval needed a new monetary policy tool could be created.  New Monetary Policy Tools have never been approved by the government before use and integration with the US Treasury.  This is just the way it works dealing with immediate “financial bubbles” and too big to fail debt.  Now we can add the work stoppage due to a virus to the need for private sector monetary policy and with the government out of money and debt capacity only the private sector can innovate to monetize Early Reading Skills Delivered for a Ringing Advantage (ERSD-RA).  Just this will recreate more influence for moms on Main Street with the public and private school districts. There is no way forward without everyone striving for better and best first things first outcomes within the private sector and this would be a most impactful choice.

Here is another set of the points to consider for innovation nested within the writing of futurist George Gilder. 


The FED creates a blockchained investment totaling  individual work, time and attention to early learning detail outcomes that has a present value of a positive expectations depending on high-quality of $0; $150,000, $450,000; $600,000; or $750,000. A creation costing $10,000-15,000 per child; marked to market for intended gifting to the US Treasury where the gift becomes synergistic.  The FED uses its power to create this investment and this valuation of individual synaptic networks created and evidenced by reading, math, and positive expectation outcomes measured as the child enters kindergarten and first grade.  The units of knowledge within the child are aligned for the investment record at market value and combined with 1000 other individual outcomes to make a USAVALUES Debit Bond owned by the FED.  The Debit Bond is used in the system as receipted money reserves.  It is segregated to be excess or required to support the currency as needed by the US Treasury.  Privacy of the blockchain record must be an ultimate achievement.

The FED will need to imagine and create from scratch the range of values for good better and best.  We used Individual earning streams demonstrated and reported in the works of Michael Cox and Richard Alm published in 2012 after complied by the George W. Bush Foundation.  See chapter 2 pages 10-14 of The 4% Solution Unleashing the Economic Growth America Needs.  I assume no expense would be spared to correlate the streams to the PVofPE-Prek of worst, bad, good, better and best outcomes at age 6 going into first grade. The valuation process would be owned by the FED as part of its monetary policy for the nation and the continuation of the world currency as it is known and adjusted into the inevitable changes.  There are 4 million children starting kindergarten each year and the present value of those starts for discussion purposes is 1.3 trillion dollars with 50% of the children generating only 15% of the value because of worst and bad age 0-6 outcomes.  In the 40 years forward a positive expectation would be (in constants) growth to 2.3 out of the maximum 3.0 trillion dollars; with 0% of the children having worst and bad outcomes.  As the population grows the 2.3 trillion per year grows. 

I will share the creation of these present market value numbers but the Main Street simplicity will not impress you.  My latest efforts use expected earnings  from start of work to age 67; present value factored back to age 22 after graduation or not; and then assumes the present value at age 6 is half of that at age 22; because 90% of the brain is irreversibly developed at age 7. By these mathematical boundaries the worst projection has a 6.5 times greater annual risk factor than the best projection.  This impacts the compounding result annually meaning the child with the worst early learning and a lifetime projection of $1,750,000 of income has lived and died with 6.5 times more risk than the child with best early learning and a lifetime projection of $3,500,000.  The risk and opportunity that earnings are going to be more dependent on brain capacity going forward needs to be expected and explained on Main Street to mothers who have children age 0-6.  Many Moms do not see these risks early enough.  A mentoring force is created as a permanent resource in the community.

You are going to come to your own calculations and conclusions.  The clouds and the sun are real and it all exists within the FED mandate for high-quality full employment that is not yet seen in a first things first perspective.  This ties to your mission and the Community Reinvestment Act.  Please don’t recreate the Federal Education Department for the networks to the primary schools and communities.  Just privatize the department based on choice and the Constitution. Get this right and the math would tell us the deficits can be wiped out by savings in the reserves of the private sector with the issues of socialism forever put to bed. 

I am afraid there will be calls for universal income but they are wasting voice and print with a focus on the government when the real money is with the FED and the private sector.  Consider that universal basic income is just as flawed as universal pre-k.  If the funding comes from government it will be for worst, bad, or good outcomes, not better and best.  This USAVALUES point is to convince the FED to do something worth doing better and best within the private sector in the spirit of fairness and high-quality full employment.  Rest assured there will always be enough money for better and best outcomes for those who know it is critical.  Please we are calling on the FED to be fair in funding better and best pre-k outcomes with private sector monetary policy because it would be the fair thing to do based on what the FED has done in the past and now again due to the virus for just about anybody with assets.   


Main Street wants a return to real money to value creation and savings.  There is no reason not to have that and still have the fiat currency in play in the nation and the world.  The fiat currency is ready to be built upon and replaced segment by segment.  There is a long way to go to a knowledge standard for money based on the time and energy behind best age 0-6 brain development.  This path to innovation already exists.  But immediately Main Street would have a darling that would assume 2% entropy, 2% profit risk and 2% minimum risk.  Pension plans and the like would flock to investing in early learning development with USAVALUES Debit Bonds as NewOldMoney takes hold of the Education Industry based on first things first solid real outcomes.  First things first development would solve over 6-10 years the disparity issues that have taken over the school districts. 


The Debit Bond valued PVofPE-Prek adds up to a transparent contribution to the PVofPE-FNGDP (Future Nominal GDP) that will be understood and broadcasted on Main Street within the state and local banks.  Nothing is more constant, and the source of equality than age 0-6 possible individual brain synaptic closings creating networks of knowledge and information circuits to deal with the 80-year arc of the future.  Nothing is more first things first important to our disparate multi-race and national makeup.  Our Nation is unique in makeup and most powerful with the freedom and choice outlined in the Constitution.  Literacy is Freedom and it can be promoted to moms and communities as NEXT on Main Street.  When Main Street realizes it has the answer to the deficit and the disparities the middle and lower class will take over the world.  Can the FED promote this to Main Street and become the darling to class mobility?  Main Street would no longer feel pushed aside and NewOldMoney would drive innovation in every industry because more knowledge and capacity would exist locally. 

Four (chapter 13)

Money has gotten way to complicated for the middle and lower class.  Remember when you could mine gold, silver, oil and create brain synaptic closings on order, literacy and math without a Federal Energy and Education Department (say in 1965).  The Debit Bond would bring Wall Street to Main Street and leave Washington D.C. in the swamp.  Money represents a frontier for information and logic and why not simply create it locally and first things first with the backing of the community and local education.  The PVofPE-Prek is critical to doing first things first within the school districts looking to improving quality and control costs.  This community development in the private sector will spend 20-30 billion dollars per year with extreme velocity.  There is more on this subject (Theory of Constraints) as districts look for simple first things first right the first time change methods and reorganizations that work.

Five (chapter 14)

Wall Street has lost its soul to Washington D.C. because it will not consistently assert private sector better and best virtue; does not need to work for real money anymore; and Wall Street has accepted too many bailouts.  The FED because it has led government to bail out the private sector in the past has created the expectation it will give more leading gifts and encourage government to do more bailout in the future.  Interest on excess reserves is one of many examples.  A very good read on that is “Bailout Nation” by Barry Ritholtz and Aaron Task copyrighted in 2009.  One can only imagine an update.  However, for all the complaining there is no obvious replacement for the FED as part of the private sector and a God willing renewal of positioning against moral hazard and unreal money.  The Debit Bond should be added to the mix of Monetary Policy Tools because it represents the creation of real money under all circumstances.  Honoring time as the base of money will restore real money because it takes an irreversible critical 6 years to deliver ERSD-RA for a best 85-year future for everyone, not just those using the knowledge as a quick start to low standards today. Life would work much better when time and knowledge and connection is money right from the start.  Literacy is freedom, peace and love right from the start for everyone.  The synaptic closing on knowledge is a constant of physics, work and time building irreversible value, or not based on the individual.  The USAVALUES Debit Bond is based on time, work, scarcity, irreversibility, peace, freedom, equality, equity and entropy.  It will lead the way as one example to encourage abandonment of the idea that government funds can be converted into wealth.  Some would say we live in a world without real money because time is no longer being valued within the money and wealth systems. 


An alternative is to use the Private Sector Mirror FED (PSMFED) to seed this idea started for moms and children within the private sector.  The speculator and a school district and a substantial local bank could seed these ERSD-RA efforts.  HOW?  A normal bank cannot gift the money via monetary policy but it could ask a speculative investor in a high risk funding effort to accept plus 15% returns.  Because the investment and interest might not be paid back unless the Real FED steps in with its monetary policy to create the USAVALUES debit bond which is a suitable investment for the pension plan investors and the like.  This would align the serious big money investors to convince the Real FED to adopt the futurist thinking and just be fair about asset building to go along with asset security and safety.

Our writings to connect the FED, the PSMFED, Speculative Investors and Pension Plan Type Investors to the USA VALUES Debit Bond exists upon request. It is written at another level as if all the influencers required were active and some would think it to be fanciful leaving the realm of high level.    

Cheers.    Hope to hear from you. It would be respectful to know the letter emails are reaching the intended leadership.  

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.  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 this email 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