This Site is Purposed to Prompt 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 Who Own Financial Assets Distinct From Those Without Fiancial Assets and Little Support from Strong  Emotional and Ethical Assets, Attributes and Positive Expectations.  

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 our future to prompt the private sector FED to fix 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.

Story of PVofPE-Prek Present Value Reconciled from the Top Down

The value of a positive expectation can be recognized (at least $500,000) from the top down. This value has already been innovated into the private sector economy of any family that can pay for early learning. Requirement is to see the child developing at a reasonable pace with peers as the control.

No disrespect is intended when one concludes from the top down that more study is not required.

The business community understands the PVofPE-Prek investment numbers and how growth and future savings are values. Business understands there is a FTFRTFT requirement to the expectations. The community needs every family and business and non-business organization, including the faith base and the schools to understand FTFRTFT demands reprioritization along the lines of

“OMG- I cannot be a part of leaving $500,000 of possible value behind when it is this simple”

An interesting powerful story that deals with this value is The Street Lawyer by John Grisham, on pages 406 and 425 of the paperback. At least read the end of the story from page 370 because it is much more than a calculation when public perception is added and fingers start pointing at what was done and not done by the strongest for the weakest. It ends with a Good Samaritan reflection but our concentration is on the value of an at risk pre-k child before and after alleged wrongdoing and cascading positioning. We will use bullet points to summarize the story.

  • Very prominent business acts and under values the worth of a mom and 4 children most at risk.
  • A law is broken and other events cascade resulting in their death.
  • The business wanted to value the lives of the preschoolers at $50,000 because the children were going nowhere based on mom’s development. Very likely the children would remain in poverty.
  • The courts in valuing wrongful deaths have said the positive expectation cannot be considered outside of reasonable evidence and tracking toward estimates of realized economic expectation.
  • However, the plaintiff placed a value on each child at $1,000,000 because that is the minimum value the business would ask for, if it were their partner’s or employee’s children.
  • So the courts will project value based on probable expectations evidenced by ……….., to include readiness and very informal comparison to expectations based on peer group.
  • The business knew they would not win the case in the eyes of the public, or a jury and was going to do everything they could to settle. The plaintiff wanted a public trial to increase the settlement value.
  • The case was already being tried in the newspaper and the good name of the business was depreciating as the claim gave rise to negative reports of wrong doing.
  • The business had no defense for not doing what they could have done. They ignored the law and damaged the weak family. The extended family could not be found but it made no difference.
  • The marketed image of the business, its public perception was being damaged anew each day and the powerful owners of the company could do nothing about it. The leverage to make it stop existed in the grassroots not the boardroom.
  • The plaintiff leveraged the grassroots perspective through the press of public opinion.
  • The plaintiff leveraged the perspective of fair and respectful public policy each chance they had.
  • The story case settled at the $1,000,000 per child level, made reasonable with time payments. It triggered the wise old leader of the business to emotionally think about first things first right the first time and act to fill in the gaps they could address with reestablished generosity.

The point we want to make with the story is that the $500,000 PVofPE-Prek is so very reasonable from the top down. Just the emotional and ethical thinking of what can be simply done first things first right the first time for all age 0-6 children should be the thought of the decade.

WHAT CAN BE MORE IMPORTANT THAN POSITIONING FOR THIS EXPECTATION ($500,000) of present value for each and every at risk child (last count 2,000,000 children per year)

USA Positive Expectations are detailed thoughout 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 be a default and at least these messages be sent.

Be Helping

Be Sharing

Be Playing

Be Listening

Be Smiling

Say I'm Sorry

Say Please

Be Thinking

Be Right

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 






































First-Things-First (FTF)


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

Early Reading Skills Delivered for Ringing Advantage (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