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.

A Simpleton's Review of the R-words Actually Put to Good Use 

#18 From: <>
Sent: Wednesday 9-30-2020 7:40 am

To: 'Ombudsman' <>

Subject: A Simpleton’s Review of the R-words

Reading is Risk Reduction

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. 

You and I have been hearing all of the R-words of late.  Some more than others and you could assuredly bet on which are least heard.  Rights, revision, restitution, repatriation, restore, reward, repair, results, remake, recreate, reason, risk, reduction, rule, Russia, renew, respect, responsibility, etc.; and “re” can be added to so many words it is as powerful as “un” as in unusual. Individual rights, risk reduction, respect, responsibility, reengineering, recreate, real, reasonable, racism and the call for repatriation from groups of individuals are words of disagreement as the USA facilitates group rights and legally honors individual rights with formal or informal class action.  We have seen agreeable and disagreeable informal class actions.   The email march is an agreeable informal class action.

Individual rights to happiness through ownership is gained by work, gift or purchase in the USA.  Groups or classes of people own by nature equal opportunity to individual happiness that is clouded by smoke when an individual is growing within our mixed-up systems of capitalism, socialism, communism, royalty, caste, tribalism, and sanctuaries.  Not to mention three equal branches of government at the Federal, State and Local levels of constitution, religion, self-efforts, education, school choices, emotions, ethics and others.  Some most successful individuals have taken the concept of doing first things first perfectly in multiple front end processes to aggregate highest quality outcomes of input because they get “first” right the first time, or push the rework to the individual,  and such aggregations catch on and are operationally and financially leveraged using the masses.  These examples are everywhere in the digital age where value is created on the personal computer, networks and the cloud by getting first things first, right the first time and then monetizing it.  The email march is an agreeable informal class action.

In our systems there are, among many others, the right to life, liberty, pursuit of happiness generating ownership of property that can be imagined, created, recreated, found, sold or given away.  Liberty is freedom, freedom is literacy; and literacy is first things first to opportunity.  Individual liberty with rights to language and networks, knowledge, power and freedom are routinely monetized in the USA.  The public sector does not own assets that can be given away.  If assets are sold the transaction is in the name of, We The People and the money goes to and remains with the government. The government is a capped non-individual system or it is corrupt.

Racism, what is an effective private sector business to do?  “We have to look at what role we can play” quotes Neel Kashkari, the Minneapolis Federal Reserve Bank Chief.  Respecting that there is a responsibility to be fair in how equal opportunity is distributed, when it is being shorted, the action has red and white lines for individuals who are winning and losing every day.  Reading the article left a hole in the logic of change management because it did not mention highest (best) quality first things first actions and corporations, as private sector, being the source of the legal opportunity of ownership which is the source of USA happiness on the positive side, or a deficit of individual ownership on the negative side.  Ursula Burns of Xerox Corporation points to a system of white men running growth education, economics, emotions and ethics in the private sector that are keeping people of color and women left out.  Many would add that an executive public sector job that does not end back in the private sector is a risk of an under-cover abuse of power reaching into the private sector for money in contrast to the private sector where the reach is normal.   

Looking at the total system of growth and definitions of merit the FED will never be convincing that working the end of the merit system (CEO and C-suite positions) will be more productive for equality than working the earliest parts of the merit system before the merit system even starts.  Patching up the ending versus highest-quality early starts as the beginning is kicking the can down the road to others that follow.  Not doing first things first is so wrong in the reengineering of the USA Nominal GDP systems reflecting within its subsystems the dollars of equality or not.  It is a very big deal worthy of the FED’s attention.

Add JP Morgan Chase’s plan to focus economic development (not giving) with 30 billion dollars over 5 years to remaking programs that “fix economic racism” without doing first things first.  Other businesses will follow, and that will be “ultra-dialogued” within the Dialogue Project of the Business Roundtable.  The focus of adding mortgages, adding refinancing, adding affordable rental units, adding black and Latino business loans as a form of focused restitution for past discrimination practices is weak giving.  USA VALUES thinks “the problem is short the 20-30 billion dollars PER YEAR FOR AT LEAST 30 YEARS of raw outright gifting of principal and interest because it is the only way out of the hole.”  Ed Golding of MIT Golub Center for Financial Policy said JP Morgan’s redirected focus is not close to the need; and USA VALUES, LLC adds; how these limited sums can be rewarded equally based on need is in obvious question.  It is an oranges solution to an apples problem concocted by ignoring over 50% of the population for the next 30 years.   

Here is the deal.  The private sector can be encouraged to agree the solution must be a first things first solution to make the problem really go away for individuals and family who want the solution.  Follow the money in the digital cloud. The private sector knows it will take 20-30 billion dollars per year for 30 years and has not yet accepted that government’s role in focus on a good early outcome does nothing to establish the equal opportunity of a best early outcome.  The leaders of the private sector know the problem is so big and equality as an issue is so loud that only the most powerful using the special tools of monetary policy has a chance to satisfy the private sector requirement within the confusing norms of today.  Expect that will not rollback the moral hazard of giving something for nothing to only those who own financial assets as a start. The FED will need to do something as impactful for those without financial assets.  How will the FED wipe out the moral hazard it has created as described by zero bound interest rates, excess reserves and bailouts best outlined by Barry Ritholtz and Ben Bernanke.  But the FED must start with a new start to equal opportunity for the masses with positive reinforcement. The FED does not need to act under the law; but being right and fair when the discussion is about equality is emotional and ethical as the most powerful private sector corporation in the world.  

So, within the confusion of the above paragraphs there are wide gaps of have and have nots.  In fairness there is no reason that the private sector should confuse the early priority to deliver 100% of the age 0-6 children to the education process really ready to read, count and understand positive expectations.  This is the first step to equality, but who knows it.  Only the FED has the power to equally shift the risk away from the weakest individuals because it will take NewOldMoney.  Government has failed because there is little reward in their world of acceptable good.    

The minimum role the private sector must play to get the nation out of the ditch (it is 100% their responsibility) is to transfer the risk that mother and child will not have an equal opportunity to gain better and best early reading, math, and positive expectation skills before or during kindergarten and first grade education starts with the gap in full view.  Many (50%) face impossible risks as this is written, needing a new deal.  I have explained several ways to first things first transfer risk by coming alongside the present systems of preschool and child care to recreate and sustain high-quality as defined by the most concerned customer. 

1.  Pay $5,000 per year for 2 years to deliver ERSD-RA to mother and child via a mentor with and apart from the public school system.  Record the payments as assets and mark the assets to market value so they can be given to the US Treasury to reduce the deficit.  Mine the Brain Gold on main street.  This use of monetary policy is absolutely needed when mom and family do not have the money or knowledge to pay for the risk reduction.  The mentor will understand the following program is competition in the creation of best outcomes.

2.  Purchase the ERSD-RA delivered to the child in the form of a proof of work by the family within the private sector for $10,000 plus $2,500 reward.  Record the payment as assets and mark the assets to market value so they can be given to the US Treasury to reduce the deficit.  Mine the Brain Gold on main street.  This use of monetary policy is needed to be fair even when mom and family has the money and knowledge to pay for the risk reduction.  This group of citizens may well prove to the most concerned and provide the ultimate high quality definitions.

3.  As a new thought, leverage the above productive infrastructure further into the private sector under the principle of NewOldMoney.  Facilitate an investment like Reverse ECE Risk Insurance that transfers the risk of not starting ready due to the lack of money.  This principal and interest is paid back by the incremental results of being ready at age 22 to earn 3.5 million dollars in a lifetime (age 22-67) versus 1.75 million dollars in this 45-year period.  $15,000 per child is raised by insurance companies from investors, like pension plans, to invest in  age 0-6 best readiness and the insurance company is paid back over time by the family and mother as one tranche and then the adult for 20 years from age 22-42.  Prepayment on a present value basis without penalty is encouraged but not required.  The schedule of what this looks like is available here in napkin format.  …………  Payback by the family over 30 years at the rate of $500 per year by mother and family leaves an average outstanding of $7,500.  This would be the perfect place for JP Morgan to actually help. Plus, ultimately the child/adult pays $2,000 per year for 20 years after age 22.  Ultimately the investor receives a payback of 8 times ($60,000) on the average investment of 7,500 to end the risk reversal contract. 

The risk is transferred to the investor in a speculation that increased knowledge will result in increased wages and salary.  Risk reduction has been already demonstrated in present day analysis of society’s earning patterns.  The investors who make the investment are the private sector insurance companies and public sector pension plans that need a place to put money almost risk free for a 5-8% annualized return based on the strength of the USA capitalistic economy that is weening itself off of the moral hazard of zero bound interest rates.  The FED’s role for this is to provide knowledge power to a new financial instrument like reverse Collateralized Mortgage Bonds or reverse Life Insurance.  Funding the risk transfer for 2 million at risk children over a 35-year period is a sizable effort.  When the first insurance contract matures there would be 70 million children covered with the fund approaching $60,000 each.  4.2 trillion dollars of expected risk transfer will need the leadership of the FED.

Going back to all the r-words in the dictionary; list them and come to grips with the critical ones like recreate, reengineer, rights, restitution, repatriation, rework, respect, responsibility, requirement, reward, etc..  Put those words into phrases and messages. Address the moral hazard of giving something for nothing and it is time by the definitions in the dictionary to do the right first things first, right the first time, one size fits one if required.  Some r-words can be applied more equally than others to restructure and recreated equal opportunity.  

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.


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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