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.

Moral Hazard is Existence Risk-Government Wants FED's Monetary Policy 

#17 From: <>
Sent: Monday 8-17-2020 1:59 pm

To: 'Ombudsman' <>

Subject: Existence Hazard

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. 

The private sector’s moral hazard has become an ultimate existence hazard.  A democratic socialist individual or corporation without the individual soul to be better and best in real competition and a godless government with the power to say it is good enough, or not, is now upon us.  The hen that lays the golden eggs, morally good or bad, is almost cooked like the frog who let the water heat to boiling too late to exit.  Provident that there is not a replacement for the US Dollar because of past success but there should be real fear for the future.  The future is where the godless government will say it is good enough to run monetary policy from the government swamp and will overtake the creation of money for routine deficits.  Public relations will support worst, bad and good via distraction so government defined outcomes are made okay for everyone by the polls of its own making.  Individuals and individual corporations will lose the power of a majority that makes space for the minority.  Morality will be considerably left of center and always relative.   

This is dark and unacceptable given our past.  The powers will out loud laugh at the concept that literacy is freedom, freedom is liberty and liberty is literacy and the nation will not operate from the middle with space for best reading, writing, math; positive expectations will not dictate success.  For some it is already dark and impossible to get out of the hole without first footholds.

You the FED either turns on the light and create the footholds with private sector gifting of freedom based on better and best literacy as a measure of equality within the private sector or watch the light go out on the private sector.  Choice is still in front of you but when government comes for the power to make monetary policy you have a choice to make and if you have not been fair with the lower and middle class citizen using the powers of monetary policy you have significant risk.  Risk that does not exist if you are leading the middle and lower citizens to better and best outcomes based on equal literacy skills as a part of that monetary policy.  Lower and middle positive expectations of equal is not racial. 

Private sector individual better and best equality is presented to be technically understood with the first 16 emails sent.  Emotionally this email letter will define best quality at the grassroots main street level of joy between mother and child when the reading skills start to take the child’s attention beyond the present.  Emotionally the act of early reading needs to be encouraged between mentor, mom and child benefiting the teacher.  Simple at the most basic level, and the description to win the hearts of the lower and middle private sector has been threaded with first things first truths that locally create joyful moments as proof of success.   

Aubrey Daniels in his 2000 writing “Bring Out The Best in People - How To Apply The Astonishing power of Positive Reinforcement” informs leadership what it will take to influence the mass of mothers to accept the goals of better and best.  Get this right and the private sector is restored from the ground up.

Gary Heil, Tom Parker, Deborah C. Stephens in their 1999 writing “One Size Fits One” informs leadership what new attitudes will be required of the mayors, schools, organizations, churches and others to rebuild the emotional bonds (relationships) tied to better and best outcomes.  Just remember the front line will not lie about the requirements of equality but some will be prone to not know what they do not know because our elites have allowed half-truths to represent knowledge.  In the world of worst, bad, good, better, and best the sights need to be set on individual best if equality is to be a byproduct of the outcomes.  It is difficult to reverse soft bigoted requirements later (after age 6) when real results will take their toll, no matter. 

You will not have difficulty seeing the above in terms of creating less moral hazard if you look for that perspective to create the basis for supporting the positioning of doing first things first generating more outcomes within limited irreversible time which is the definition of real money being created the old fashion way.  This is not important to the public sector as it works with the shortage of expected good outcomes and society harvests less and less.  The moral hazard has turned on the public sector when the shortage of good, better and best results is overtaken by worst or bad outcomes.  We now experience in the critical scopes of public education and High-Quality Full Employment of each citizen the fact that there is little positive expectation for the government’s efforts and definitions of high-quality.   

Performance Management (Aubrey Daniels) is the subject couched within the one size fits one requirements of the nation’s local governments and those positioned at the most basic levels (housing, food, schools, church, bars, sports, honesty, integrity, equality, respect, justice, self-esteem, security and fairness).   Mom’s influence over the systems impact of education on her child’s first 6 years is emotional and ethical.  Mom needs a new deal from the private sector for the reasons stated in this article (Click here).  Not a new deal from the government but rather from the private sector in fairness. 

More government like the basic living allowance delivered to a few by the mayor of St. Paul, Minnesota contradicts the time honored concept of positive reinforcement of ethical living on the right side of the moral hazard couched in the relative values explained in the Epilogue of Daniels work on positive reinforcement (page 229).  You know better than anyone the concepts behind these two books are dead on arrival within the public sector yet are require for positive expectations of success within the private sector’s inclusion of equality (equal opportunity).  God help us with the dysfunction as our emotions and ethics are at the crossroad; the capacity constraint put to us by the elites with their massive moral hazard of giving something for nothing might just take the private sector down.  This dilemma will only be overcome outside the government box. 

You have the power to come alongside the government with a true gift of ERSD-RA that directly addresses the moral hazard and the PVofPE-Prek value for the US Treasury.  Your creative work will allow it to be valued again by the community with crypto currency based on good, better and best outcomes over a specific period of time.  Both values metered within proven concepts of proof of work (knowledge gain over irreversible time) as discussed in letter 14 and 15 introducing the time proven concept of receipts money for reserves against the deficit and a crypto currency to benefit mom, child, providers and community.     

What are you THE FED going to do?  You are the only one with the power and may soon have to lead the nation against the world to hold the power of monetary policy of the world currency within the private sector, so needless to say you better start now. The private sector is 30 trillion dollars in debt with little moral or ethical support to stand as individuals and the government cannot do anything about it except be in the way.  Create and innovate, will never happen within the government.  Spend less will never happen within the government.  Zero bound interest rates make money a racket for the elite.  Pay adequate taxes to wipe out excess debt has been set up to be a progressive dead end with 50% of citizens already paying zero bound dollars of income taxes.  No other nation can replace the trust in the dollar but it only took a half of lifetime from each citizen to put ourselves into the dilemma of half-truths on the brink of no real growth education, economics, emotions and ethics. 

Moral dilemma of something for nothing …  I have a story of just one example….   I felt this concept start in the 1970s-80.  When ERISA allowed loopholes to loot overfunded private sector pension plans under the law that could/would never exist on a moral basis.  Now private sector pensions are rare and public pension plan money is morally bankrupted by its overburdening negotiated source.  Moral Bankruptcy is seconded by the plans inability to meet expected income returns in regulated calculations of regulated future zero bound interest rates that bend the real value of money away from time and achievement generating more real risk for seniors and regular non-elite people.  The moral hazard infection is ongoing as accountants, lawyers, bankers, c-suites and other leaders use the regulations and laws to ignore the warning of something for nothing.  This is another example of unintended consequence.    

This site is a work of fiction sourced in solid non-fiction and fictional stories positioned against declining relative USA VALUES and moral hazard of actually planning to do less than better and best.  Could this need to reverse the gap be better explained via stories of innovation and creation.   Work with these two stories to create the investments of ERSD-RA from the private sector.  Time is getting short and the FED is in a challenging spot one way or another.  True stories can lead the way.   Michael Lewis has written at least two of them.  Liar’s Poker and The Big Short.  Within them the financial instruments can be created to stop kicking the ball down the road fixing the reliance on the government in the process.  But dear God, fix the zero bound interest rate problem that you created in 1979 (page44 of Liar’s Poker).  

Again, we suggest a scheme - connect the 15-20 dots of truth from innovators and creators.  You have the power to be morally fair with the creation of money. Stop allowing something for nothing.  The Courage To Act – Ha!  How about the courage to act on equality?  Right now, NEXT could be to fix it.  Fix it as stated by USA VALUES or create another fix of your own design; but do first things first so the fix works.  It will take no new fiscal cash but there is the moral cost of everyone’s attention for half of a lifetime.  Certainly, the FED has the public relations clout to do what is right in the public’s eye seeing how the grassroots will be needed to keep monetary policy in the private sector on top of providing positive reinforcement long overdue.

This letter might present the boldest scope yet as it calls out equality in the monetary policy process of creating a joyful moment for the child and mom and the moral dilemma of zero bound interest rates for the retired citizens in the private sector.  Just saying; accept the concept of PVofPE-Prek first things first and watch everything change to your credit.


I tested the thinking that all you had to do was read Liar’s Poker and The Big Short within the concept of PVofPE-Prek and you could come up with a totally private sector fiscal investment that would move the risk of starting life without irrecoverably knowledge and being behind those with better and best starts.  Think!  The risk could be removed and held by the investor class including pension funds with as an example a 20% annual payback over 40 years (8 times) if held to completion with earliest cash flows reducing principle risk to zero.  Whole life, term life, annuities, others move risk of earnings from one point in time to another everyday, but one must start with assigned values to good, better and best.   


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