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.

Without a focus on The Child
Will Never Be
FTFRTFT for Growth 

#12 From: <>
Sent: Monday, 6/23/2020 1:59 pm

To: 'Ombudsman' <>
Subject: Racism, and selfishness do not focus on the child first things first

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.

We represent that mom is the key to opportunity for a child age 0-6 whether mother and child are at risk or not.  If mom and child is at risk a mentor is appropriate given the present value of the readiness difference before the age of 6-7.  We must remember that mom is in a very lonely place to be looking to achievement with responsibility for security and safety.   Page 14 of Maria Montessori’s book “The Absorbent Mind” published in 1967 makes the point that if the child is going to start the education system at age 6 behind others the society has failed the child right from the start.  If the child needs what the family cannot provide then society’s duty is to provide.  “The state must never abandon the child”.  Think what our cost structure would be if only we did first things first.  This book is 250 pages of outcome requirements expected for age 0-6 child development.  The book is heavily reviewed on Amazon.  The “Montessori Education System” is thousands of educated proprietors linked to the hand-based learning activity using self-correcting materials to guide the child to readiness.  More on this later.  These schools are a demonstration of success somewhat hidden by their singleness.

We urge a reading of Chester E Finn Jr.’s 2009 book Reroute the Preschool Juggernaut. It is a short book and he had lots of help writing what amounts to descriptions of landmines for mom with at risk children confused with a safe path to age 6 that does not get the job done for the most at risk.  The deception describe is mostly unpunished as the elites have done what they easily can and not what they must.  It seems like the government does not even want good outcomes for those most in need.  This is systemic but is not based on race as white at risk children exceed blacks and browns 3 to 1.  And, the system starts at age 2,3.

Universal pre-k, Head Start, high-quality definition, focus on inputs, and school district’s age 4 programs litter the nation with obstructions.  Obstructions to better and best brain synaptic closings on language, math and order defining better and best readiness outcomes.  It only works with choice.  You can bet $750,000 per child that the same old same old diligent parents know better and best readiness and the first things first gap is not going away.  The K-12 schools will not close the national gaps and the sheer number of children being obstructed will prevent the USA from closing the international gaps.  Ultimately this is about the free will of national security and our expectations for freedom in the world.

Drive by attention from the left and right would stand in awe if Dr. Martin Luther King returned after 55 years and called out the moral hazard created by government in the cities.  The message of family, forgiveness, redemption, peace, love and prosperity for all does not exist.  Leaders of God’s will are no longer prominent in the culture.  The author has solutions; 12 years has gone by what must be done first things first. It will not change.  To create equal growth economics, education, emotion and ethics opportunity at some point in the inevitable comparisons the most powerful must define an equal choice proof of work at age 6.  A fully staffed FOMC of 19 people could turn this nation on a dime to a growth situation the same way they are saving the nation from the pandemic.

There are many disturbing books about the plight of the urban poor and the difficult school situations.  Poverty has no shortage of written works. The most significant writing I have noticed and one that makes me think no more insight is needed is “Lynching Willie a Reconditioning the Mindstate of a Culture” by A.J. Briscoe published in 2012.  He is a local North Minneapolis former felon who came to believe one must read to succeed.  Exiting the culture designed to keep a “slave” a “slave” requires literacy, math and positive expectations at better and best comparative levels.  Many of his friends are dead by gunfire and he writes about a way out as he reveals the Mindstate of the Culture.  It is a short book with a huge statement.  Thomas Sowell covers a portion of the message.

“If you want to see the poor remain poor, generation after generation, just keep the standards low in their schools and make excuses for their academic shortcomings and personal misbehavior. But please don't congratulate yourself on your compassion.”   

A.J. notes that compassion, love and charity can be powerfully misused by adults.  There is a need to individually believe that by forgiving one’s trespassers God’s forgiveness triggers us into internal life on earth and beyond.  This is not a racial thing; it is a human belief helping all focus on the children instead of self. There would be more focus on the child if following the money led us to the PVofPE-Prek.   It is said that race is the original sin of the USA.  But God redid the human race with the discovery of America the constitution and the civil war where humans got on track to unalienable rights and governments that are to serve the people.  A.J. Briscoe’s advice is to get back to God’s promise, He is not done with us.  I will be ending this letter with a focus on the child’s start, not the adult.  BLM beliefs as a solution are way out of bounds but who is reading.  Repeating the solution is in the age 6 child.

New private sector business often finds the cash flow in solving requirements that people of resources want solved.  Dr. Robert Melillo has created “The Groundbreaking Brain Balance Program for Children with Autism, ADHD, Dyslexia, and Other Neurological Disorders.  His solutions are often homebased after professionally diagnosed.  Other companies are providing brain focused solutions to parents with the means to pay.  Maria Montessori led the world to define the age 3-6 sensitive period to learn language, math and order in the earlier 1900’s.  The science of the brain and the neural synaptic closings before the age of 6-7 remains a frontier with 100% of the children in the target market.  The economics of preschool are depressed and will be as long as the government pays for inputs to the systems ahead of recognizing that better and best outcomes (requirements) are being entirely undervalued.  The concept that outcomes range from worst, bad, good, better and best is a private sector concept that government is missing during the critical ages of 0-6.  Who do you think this hurts the most?  Where is the capacity to deal with best requirements?  Put a market value on them outside the public sector and watch them develop.

Many solutions go through mom, mom’s despair to trust the police as they shoot to kill in front of small conflicts insures she will not trust the police when it comes to black on black interventions to save lives when likely criminal activity is involved.  The children are exposed to stray gunfire and the safety, security and “disloyalty risk” is real.  Welfare does not bring a family together.  Put yourself in mom’s shoes, also, will the paid mentor for readiness of the child visit mom to help her achieve good, better and best outcomes?  Real life has mom not tipping over any “present loyalties” because she is not prepared to handle the fall out.  Helicopter money will not stick to her fingers in a 2,3-year effort.  The paid mentor’s weekly efforts might flood the street with readiness that does not trip the “present loyalties”; but still the positive expectation will need a spark and then a fire to get mom thinking she can be influential.  

More is the key word to mom’s influence to do more good in the sense of achievement for the child.  The mentor has a paid job that could be judged dangerous.  The pastor connects with the positive expectation influence of the street.  There can be a God given spark and fire within mom to create the readiness outcome.  The love that comes with giving and receiving an unconditional gift for the future will not take over the worst risk until the family with dad forms to provide physical safety and security.  The street situation could take years to be reimagined with equal opportunity, but it could happen faster.  Truth is it will take God’s attention to the family, forgiveness, redemption, peace, love, and prosperity.  The formula the FED could help with is family, network, achievement, faith, savings and asset building.  It took years to become dysfunctional as government took Dr. Martin Luther’s message away from the church and created the moral hazard by not insisting on first things first achievements for EEEE growth.

So, what is a banker to do, what is a central banker to do?  Nobody in their right mind would ask the banks to become charities.  The central bank can make the USAVALUES Debit Bond costing $10,000 per child for the mentor.  This is the creation that offsets the US Treasury deficit and provide the nation international solvency. That is a big attention deal worth 3-4 trillion dollars per year in Washington D.C. in a transaction with the US Treasury. Plus, causes its mission critical balancing of asset creation, safety and security functions on the main street.  The local bank can lead with crypto proof of work earnings that will allow mom and dad the choice and freedom to be influential and put the past cultural systems into recession.  The gift from the private sector would be at least twice blessed.

Each letter has a footer that prays to God for his intended result.  Situations at hand will always require God.  God can use the banks and everyone else. In God We Trust, and he has the power. 

At this point I believe there is still a disconnect to placing a present value on the readiness of an age 6 child in the monetized 21st century.  The readiness can be a proof of work, but the question is who would pay more for best and least for worst.  We know and experience the creation of the difference in every family as they prepare, based on the unconditional love of the child for his/her 85-year future.  Our families pay in time, attention and service in the private sector for best and less for worst.  We do this every day, there is a preschool industry struggling with government pricing and regulation.  Advances have effectively leveraged the unconditional love of the child to a market value of future earnings to the point that the least prepared has the highest risk positive expectation and the best prepared has the lowest risk positive expectation.  This will remain true as the basis of market value without regard to cost.

The opportunity for unconditional Love is God given to believers and unbelievers on earth.  Love is what humans rely upon to risk civilization between generations after generations.  Choice plays into this risk and society’s ebb and flow based on the generation’s relationship with the truth.  Chapter 28 of the Absorbent Mind by Maria Montessori is titled -- Love and Its Source, The Child.  The generational continuous improvement return on investment life-long process examples the issues of race and groups. More often race and group issues arise after the age of 6.  Humans can only progress the future through the child and Love keeps the fractured world together despite the races and groups.  The child is destined to be better than the adult if not ruined and brought down rather than up.  God is Love.  The child is Love.  Love is defined without knowing the DNA.  Love is written about by philosophers, poets, scholars, pastors for the ages.  Rarely is Love written about by the politicians and the bankers. 

Love is the child before the age of 6, before the adult has his/her spoiling way.  Charity and Love is slow to anger, kind, without envy, does not lie, is not proud, is not ambitious, is not selfish, does not oppose, plans no evil or injustice, believes in truth, hope and has faith.  Like I noted all this positive expectation is before the adult influence.  Before the age of 6 mom and family has a huge role in the future equal opportunity. 

In the 21st and 22nd century the leaders and powerful bankers will put a present value on the positive expectation from pre-k and set out to achieve outcomes that are better and best.  The value cannot be disputed.  It is only slightly more complicated than digging up gold and much more understandable than creating the Bitcoin proof of work.  The private sector choices are political not philosophical, and the USA private sector is halfway there.  To see the solution in the children is being outlined for the FED in these letters.  At least the dysfunction should be made to wait until after the age of 6 in a demonstration of choice for the world by the most powerful. 

Read at least chapter 28 here.  She was very insightful.  When you download this you can turn it for reading.

Regarding Growth Emotions and Ethics

So, what is the most powerful private sector leader to take away from the national and local clutter of inequality.  A majority rule that has less and less space for the minority is one definition of inequality.

Groups and individual’s selfishness looking to just take more under the banner of “fixing inequality” is exam another definition.  Capitalism and democracy having to play its weakest card (inequality) against untruth and a past of continuous improvement from fairness lows examples inequality.  God’s will for the individual’s equality is even depressed by majority rule at this point.  MORE FOCUS ON ADULT INEQUALITY JUST FEEDS THE BEASTLY MAJORITY MOB IN ACTION ON THE STREET AND WITHIN THE CANCEL CULTURE.  FIX THE BEAST WITH THE EQUAL CHOICE FOR UNCONDITIONAL TRUE GIFT GIVING OF OPPORTUNITY FOR BEST EARLY READINESS AT AGE 6. 

·         The gift would be given across all class spectrums of the united states citizenship.  Use paid mentors if required and chosen by a mother at risk of not being able to deliver her child ready in time for kindergarten.   Set it up so the gift is at least twice blessed.

·         Make certain the gift is given against the local social background of individual and groups of individuals putting their private sector selfishness away with the focus on the child’s future first things first. 

·         It will take the FED power (monetary policy money) to lead the rest of the private sector (start with the S&P 500) to make the gift strong enough to turn back the moral hazard of something for nothing but complaining (SFNBC) by making all the children’s future first things first and the adult’s future second.  Bloomberg Businessweek quotes Justice John Roberts that “quotas will not stop racism.  The way to stop discrimination on the basis of race is to stop discrimination on the basis of race”.  It is more likely to do this during the ages of 0-6 under a measure of worst to best to get to continuous improvement under the microscope.   

A positive expectation would Make America Great Again because of The Liberties This Country Recognizes As Responsibilities Again.  

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