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.

Moms-Influences Over The Deficit and Local Economy
(Most Important)

#10 From: <>
Sent: Monday, 6/11/2020 11:59 am

To: 'Ombudsman' <>
Subject: Influences - One for the US Treasury Deficit and One for local EEEE

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.

Bloomberg Businessweek June 8,2020 starts out with “Mainstream economics has many ideas about getting beyond racism.”  Which lessons apply in real life?  It ends two pages of the same old with its conclusion.  “What is clear is the need for the power structures of economics and business to grapple with life as it is lived, not as the textbooks specify”  Former Mayor R.T. Rybak said “the Minneapolis effort has finally woken up to the problems in its midst.  Smug for too long.”

Well this letter is not going to restate the editorial.  It is going to go deeper into first things first in any restructure of the original sin of race relations and economic stratification.  In fact racism is right now a world problem!!  Always has been and always will be.  For this discussion, there are far more poor whites than black in sheer numbers so first thing lets leave the original sin to be tackled by the individual morals, but “the power structures of economics and business to grapple with life as it is lived, not as the textbooks specify” has a deeper level not yet explored.  You see, mom with at risk child (age 0-6 is exactly the point of life as it is lived (real plus and minus first influences)) that business, education, individual economics, emotions and ethics (EEEE) must restructure.

Specifically, this gets to be emotional and the first principle of influence is universal.  This also adds up to adjusting the Black Lives Matter influence elephants in the room.  The influence is totally described as the base floor to the Psychology of Persuasion written by Robert B. Cialdini, PH.D.  The influence that is so basic is the rule of self-interest.  That people want to get the most and pay the least for their choices. This is a motivational given.  It is a factor, so universal, that the book covers this basic influence as a given before the other weapons of influence are mentioned.  It is simple before simple.  It is moral hazard defined when mom thinks about more without a desire for “more longer term” outcomes that are good, better or best within the love she delivers to her child early in life because perhaps she never got that kind of love.  Doesn’t matter why, at this point, this first things first change of individual outcomes, as they are being lived, that become first things first inputs into the system of life on the streets and in the schools is not yet being influenced by the concept of more good, better and best.  Living for “more high-quality outcomes” today must go through the eye of the powerful to become real because the public system is out of money and mired in the commons. 

The pre-k world of early education has mega bucks being spent without a defined result for the future of the at risk child.  High-quality basic definitions define the need for rating readiness as worst, bad, good, better, and best.  The economic foundation of early education needs the gift of resources that can deliver good, better and best outcomes.  Every school district should have a private sector mentoring service working directly with mom, if she chooses, to deliver real readiness as discussed within these letters.

Paying for the tools and resources is the subject of the first 9 email marches on the FED.  Our most powerful private sector company must pay because it builds an asset for its mandate  (High-Quality Full Employment) (USAVALUES Debit Bond) that can, because of its blockchain, pay off debt at the highest level of our nation without adding inflation as long as the dollar remains strong and the world currency. 

The gift from the FED is required to be a fair to those who do not even own soft assets or have an expectation of owning hard assets but can feel the difference/disparities.  Accelerating the desire and love for the child’s future will also require additional private sector. It must also create incentive for mother and child to gain and become individually influential in those exact rated outcomes during the age of 0-12.  If Black Lives Matter reduced the size of its elephants in the room it might be effective for all lives that are presently destined to be EEEE challenged. 

Progress with Black Lives Matter (BLM) could be effective when it addresses at least these 4 elephants in the space.  70% of the nation believes change in urban communities is warranted and worth protesting for.  I would dare to say 95% of the nation would welcome to change under the guide of doing first things first for mom with at risk children driven and accountable to the most powerful company in the world tied directly to the private sector and Wall Street.

  1.  All lives matter when they are aligned with the group in power.  When they are not aligned they are not so important.  This is worldly natural original sin.  That sin exits everywhere.  The power of the group creates nonalignment (racism).  The power of God aligns with individuals who are aligned or not aligned with the group.  The God-fearing moral foundation of the individual involved within the group has been made not so important.  Even the God-fearing are not being obvious. This is worldly natural original sin.  Where has it been fixed?  What is first thing to do?  It might not include riots and deaths.
  2. BLM lies to itself when Blacks lives are being snuffed out by blacks without equal indignation that would solve some real issues of self-respect and safety.  Respectable people will not engage because of this.
  3. New money for equal outcomes is at risk to waste and availability when BLM does not expel violence from the ultra-left and ultra-right for its own self-respect. Respectable people will not work with the ultra-left and ultra-right.
  4. New money is being asked for without regard to doing first things first to make it effective.  This is the subject of  Ineffective has already slowed the flow of new money. 

The Truth, Without the gift of Early Reading Skills all children are behind before they even start kindergarten.

The Gift, Only an individual gift delivers early reading skills at age 2, 3, 4 and 5. This gift is the key to opportunity. It is society’s best (effective and lowest cost) approach to preparing the most at risk to want opportunities, choices and engagement because of past success.

The Focus, when 100% of the children start kindergarten ready to read English the urban school has excess resources to meet the larger requirement. K-12 Schools are vested but not funded in the goal of 100% readiness.  

This public service message proposes that earlier education requirements will cause new spending on age 0-6 urban at risk children that will be recovered within the district's already existing systems of continuous improvement, if done, within the Laws of Constraints. This systems thinking is already supported by private sector industries of school change management, development banking and all dependent event systems in the world would benefit from doing first things first.  IT IS NOT A NEW CONCEPT.

Consider that startups causing the acceleration of influence, love and much less moral hazard could create earned and banked cryptocurrency by establishing the individual value earned and placed in the crypto wallet for worst, bad, good, better, and best outcomes going into kindergarten. 

The currency to be created will generate open ended prosperity that can be banked and exchanged for real life goods and services within the USA under the universal control of a new blockchained exchange.  This would create a very significant opportunity for mother and child supported by the local economic community and feed off of the concept of USAVALUES Brain Gold mined right on Main Street. 

The idea is the FED’s gift of readiness fully valued at market is targeted to offset the US Treasury deficit.  But, what the private sector creates within the incentive world of crypto work product, exchanges and wallets adds up to local inflationary resistant prosperity.  What crypto value would you put on worst, bad, good, better and best individual outcomes?  Enough to wipe out the moral hazard yet create a base for value stability and appreciation for what is invested and banked with the national exchange of ReadiCoin. 

From Wikipedia, the free encyclopedia. The FED leadership for the 21st century should consider this.  The younger leadership can make this happen for the nation.

“A cryptocurrency (or crypto currency) is a digital asset designed to work as a medium of exchange wherein individual coin ownership records are stored in a digital ledger or computerized database using strong cryptography to secure transaction record entries, to control the creation of additional digital coin records, and to verify the transfer of coin ownership.[1][2] It typically does not exist in physical form (like paper money) and is typically not issued by a central authority. Some cryptocurrencies use decentralized control as opposed to centralized digital currency and central banking systems.[3] When a cryptocurrency is minted or created prior to issuance or held on a centralized exchange, it is generally considered centralized.[4] When implemented with decentralized control, each cryptocurrency works through distributed ledger technology, typically a blockchain, that serves as a public financial transaction database.[5]

Bitcoin, first released as open-source software in 2009, is the first decentralized cryptocurrency.[6] Since the release of bitcoin, over 6,000 altcoins (alternative variants of bitcoin, or other cryptocurrencies) have been created”.

Just a few notes to examine the money flow into and out of the crypto bank and wallet (ReadiCoins).  Say a bank with adequate scope were to target West St. Paul, St. Paul and Minneapolis with an investment commitment in the crypto bank with 10 million dollars for 10 million ReadiCoins. The commitment is not a grant, it is an investment in 10 million ReadiCoins  that are offered to mom if she delivers her child to kindergarten really ready to read, count and understand positive expectations.  The suggested incentive is based on private sector boosted outcomes within the child and mom. 

Worst        Bad     Good      Better        Best

Per child ReadiCoins value                                $500  $2,000  $7,500   $10,000  $15,000

  • ReadiCoins are valued at 1 dollar each in local merchandise and services as a digital coin.
  • ReadiCoins can be redeemed in US dollars for 75cents
  • The bank of ReadiCoins is well run and properly capitalized with at least 20% equity so there are actually 50 million ReadiCoins available to be earned. 
  • Investments will be made by community supporting the ReadiCoins wallet.
  • Overtime the market will dictate the 75cent valuation back to US dollars.
  • This is a clear layout of how to create incentive for mother with a child at risk to create within herself and her child the influence of the private sector over the K-8 public and private school systems. 
  • The bank concept is proven in the crypto world of digital money.  NewOldMoney used to grow is tied to the child’s readiness for the 80-year arc future.   Investments will be made by those with a direct ROI in the velocity of the crypto money.  Think local, who would that be?  In addition, to the school district that would expect lower costs due to 100% readiness and 100% positive expectation for high-quality full employment.
  • This is an early investment in real life on the street.

Concluding, The USAVALUES Debit Bond is to be used within the concept of PVofPE-Prek to pay off the national debt much like finding and mining gold on the moon; the Brain Gold being mined is within our children on Main Street within the knowledge is money theory. The present public system leaves behind trillions of valuable neural networks when they close on empty.  The private sector incentive needed for mother with at risk children because of the moral hazard she has been born into is corrected overtime with the use of the crypto digital ReadiCoin local money systems.  Two new flows of real receipt money, one going from main street to offset US Treasury deficits and one staying on Main Street to capitalize growth education, economics, emotions and ethics in real life.  


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