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.

Using PVofPE-Prek Present Value-Positive Expectations-Pre Kindergarten II

For the sake of discussion with Mom, what is First Things First?

For the sake of discussion with the investor class; Who would not make this investment?

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.  Age 0-6 and age 7-12 education for an equal opportunity in the USA is broken for those mothers and children at risk.  Systemic racism is really systemic worst, bad, or at maximum good outcomes from public education.  Don’t bother with the rest of the letter if you think there is no way this could be true.  If you think we don’t need to recreate and innovate the core the age 0-12 public education systems to create equality as the first things first right the first time issue of our times don’t bother with this letter.

Reposition the economics for a private sector present value expectation.  Do the work so you can put a private sector market value on the outcome and leave the old system (post 1965) to die.  Just cancel it.

$750,000 of present value for each and every at risk child (last count 2,000,000 children per year); but full counting of the value should be considering 4,000,000 plus children per year having a present value of 0-$750,000 each.  This will flood private sector early education and home schooling with the payback to act economically without interference from the failing public sector education industry.  Think outside the box about an industry that could create 3 trillion dollars in new value each year recorded as real receipts  money in reserve for the US Treasury to mix in with the fiat money, as directed by you.  This would have to be presented to We The People as a new monetary policy to create High-Quality Full Employment in the 21st century.  You already have that mandate.  Looking back only good, better, and best outcomes are acceptable and best practice inputs are words that flag excuse making.

I am repurposing these books on your behalf to challenge everyone to think only about applying the issues within them to the education gap and resulting expectations gap our systems routinely create for mother and child.  Then tell us where the government has a role in the creation, innovation and outcome of a present value of a positive expectation for age 0-6 and then age 7-12.  When protestors, because they do not see dependent event first things first outcomes, actually riot against continuous improvement they may need to be cancelled.  We can afford to cancel the lead up to public education as we know it because it is a systemic failure.  The present value forum highlights the difference between worst and best; The present value is designed to address the bankers interest in the economics of the emotion when more escapes the individual’s grasp.

The public sector has costs with no way to give them a market value while the private sector has creation, innovation and operation costs always valued at market value.  This has to lead to the belief that in truth the GDP reins over the government and the deficit.  When the government attempts to maintain a share of critical creation and innovation it is destined to deliver at maximum only good quality because better and best requires one-size-fits-one operations that meets the true customer requirement at an ever improving quality and price.  The government cannot do one-size-fits-one outcomes so they are dead set against it. The thinking is the government spending does not belong in an industry of service where one-size-fits-one continuous improvement has a market value and a need to create and innovate to meet requirements.  The market value in this case is defined by what an individual will pay for it.  There are individuals right now actually paying for the delivery of the requirement and are being made to fight to strive for better and best. 

Cost or Market Value

USA VALUES uses market value in the justifications. The market in 2020 can be referenced for evidence that a child’s brain at age 6 fully ready and supported to read, compute, and understand positive expectations is worth cost $30,000, market value $750,000. 

Look to the market valuation of artificial intelligence companies, say Nvidia as an example where its sales from cloud computing of parallel processing for AI drove a market valuation of 150 times sales (not costs or profits).  This was found in the book Life After Google by George Gilder page 69 published in 2018.

So three years or 30 months of Montessori School cost  $30,000 or routine preschool for 2 years $24,000 with a mentor of mother and child for two years at $10,000 totaling $34,000 of cost will provide the FED and the parent in the best case a market value of $750,000.  The parent retains a free child really ready for elementary school and the FED records a new form of reserves representing receipted real NewOldMoney.

In another case leaving the governments and the private sector to do what it does without change and only add $10,000 of monetary policy money to the outcome equation for the mentoring of mother and child will also get the FED clear ownership of $750,000 market value for each child with best readiness.  We will hang with the thinking that $10,000 of mentoring services from the private sector will assure parents and nation a best chance at best outcomes with a $750,000 present value market value that is monetized in a naturally disparate life covering at least the next 50 years.  The $750,000 when mashed together with costs represents a 20 to 75 times payback. 

This kind of payback approaches a New High-Tech, or Artificial Intelligence, or Cocaine Business market valuation rate.  There is no question there is high payback if...  But there is no startup cash flow money (cost) for the at risk child at age 0-6 unless the private sector makes it possible with a traditional unconditional gift to mother and child.  The gift also has local crypto value to mother and child based on a proof of work outcome starting the impact on the total community. 

The public sector does not have the cash and cannot raise the cash to produce just good quality and nobody would expect better or best from the government’s failures in the past.  The public sector does not have a structure to record the proof of work as an asset at cost or market value.  The gift has receipt money value to the FED. 

Nothing happens without anticipating the market value of Early Reading Skills Delivered within the private sector.  This already happens when parents who see the future for their child at age 22, understands First Things First, and know that best can be defined and purchased for the start of life between the age of 0-6. 

The FED could have that kind of appreciation to market value on its books creating receipted money reserves owned by the private sector outside of the government.  It gifts some level of its reserves to the US Treasury to start paying down the deficits when the deficits start impacting inflation on a national and worldwide basis.  These receipted reserves ensure that the dollar will remain the world currency long into the future because of strong middle-class confidence.  Knowledge is power and networks of information that create real money.

Now that kind of creativity and the investment bankers seeing the economics of spending $10,000 on the incremental edge of a child before age 6-7 could cause you the FED, or others, to anticipate even more creation and innovation.  Private sector investment from the pension and retirement segments of the economy receiving the 7-8% interest needed to bail out the public and private “We The People’s” retirement programs and plans could be expected. This could reduce over time the need for monetary policy. 

If the FED had to ask congress permission to recognize the concept of a private sector PVofPE-Prek it would never happen; but permission is not required.  If you the FED had to ask congress permission to give the private sector’s PVofPE-Prek’s market value to the US Treasury it would never happen.  Thankfully the private sector still and will always hold the reins on congress.  The private sector FED being the most powerful company in the world could arrange the repositioning of early and primary education and its value-added properties without government approval.  Your action with 10 million or more letters in support of the new systemic equality process would give you the power.  Who will have the courage to innovate?  Pray for a direction to understandable high-quality and the transition to it.

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


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.


Please note that all fields followed by an asterisk must be filled in.

Please enter the word that you see below.


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