From: [email protected]

Introduction

Your FREE subscription to the website would start with the next weekly issue. It is free to define a bold concept of First Things First Change based on the reported 15 to 20 dots published by others over the last 35 years to solve our nation’s problems. Books with good ideas are written every day and this site uses 15-20, or more, of them to present a full solution..., if only they were read in the concept of First Things First smart investing in human resources within our complex systems by understanding the obvious.

The letters to the FED are numbered within the home page index to the site. The email letters are repeated in this document in reverse order for your use to see the end in mind first things first. Stephen Covey outlines being initially effective by being proactive doing first things first with the end in mind. Hopefully, you will know it when you see it.

Yes, all we are asking you to do is state the obvious. Send the email letters to the FED as we assist you over a 12-month period. You can do this without our assistence from this PDF. I can email you the word document for your use. Or let us assist you for a year or two to set the pattern on your email system. These issues are not going away. Several of the books mentioned in the letters deal with the solvable constraint of money and banking.

Cheers and remain positive.

USA VALUES, LLC.

Early Reading Skills Delivered 651-735-3018, C 612-968-1579, [email protected] www.usavaluesII2.com https://www.usa-positive-expectations.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/ Copyright © 2020 By Thomas D. Wolfgram

#18 From: [email protected] <[email protected]> Sent: Wednesday 9-30-2020 7:40 am

To: 'Ombudsman' <[email protected]> Cc: [email protected]

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

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.

mailto:[email protected]

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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.

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.

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.

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.

https://www.usa-positive-expectations.com/Moms-New-Deal.html 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

https://www.usa-positive-expectations.com/Moms-New-Deal.html

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.

USA VALUES, LLC.


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). 9 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.

#17 From: [email protected] <[email protected]> Sent: Wednesday 9-30-2020 7:40 am


Subject: Existence Hazard




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.

www.usa-positive-expectations.com 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.

USA VALUES, LLC.

Early Reading Skills Delivered

http://www.usa-positive-expectations.com/

651-735-3018, C 612-968-1579, [email protected] www.usavaluesII2.com https://www.usa-positive-expectations.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/ Copyright © 2020 By Thomas D. Wolfgram



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.

#16 From: [email protected] <[email protected]> Sent: Monday 8-17-2020 1:59 pm


Subject: Leaders and How to Create High-Quality




What is the end in mind goal to fix what ails the national state of civility and disparate

growth? Is it more fake equality or real equal opportunity? Many will not be happy with

a requirement to keep up with the strivers and the strivers will not be happy with the

lack of rights to exceed others to be the best. No future society exists without individual

strivers and equal opportunity implies group barriers are workable. This implies one-

size-fits-one efforts. This is part of what makes the USA special.







The FED’s mandate is High-Quality Full Employment up from full employment of the

years past. A future opportunity to earn for life 1.5 million dollars, or less, is factually

not equal to a future opportunity to earn for life 3.5 million dollars, or more, and you

will address that because some have termed it systemic racism with no way out. If

leadership continues with the racism narrative the inequity will stick forever like a glove.

If leadership uses worst and bad quality starts to public schools there is plenty to do,

without tears, to start the continuous improvement. I am sure you see it as systemic.

Not sure you see it as systemic cause effect cause of a dependent event school system

still confused, because it will not do first things first despite there being no choice. The

nation’s growth, stability and status of the dollar brings these issues to your all-powerful

mandate.

I am going to suggest several Theory of Constraint (TOC) concepts to get to

How? And what How looks like to the leadership positioning the change.

High-Quality

• The definition of quality is conformance to requirements

• The system of quality is prevention

• The performance standard is zero defects or 100% conformance as soon as possible

• The measurement of quality is the cost or price of non-conformance

Quality is free because it is never less expensive to do it right the first time unless the waste is not worth the bother. That means NewOldMoney should be plentiful when waste is defined as avoidable and quality is built on prevention measures.

First Things First (FTF) to change is a Socratic decision of the process

guardians.

Best they be the people who must handle the exceptions before they are passed on to the

next step. How many times have you heard the question – What is needed to do the job

right? 99% of the exceptions can be avoided where and when they occur. Leadership,

the owners, executives, unions, managers and elite watchers make the error to allow the

exception to move forward in the process when they are not stopped and fixed. As a

result, zero exceptions are impossible because of leadership. You see the worker needs

the power to stop the advance. The worker is expected to stop and has no reason to

protest if this power exists. The leadership group defined above will push back because

they do not know what is unknown continuous improvement and stopping the process

costs money.

Even the guardians will get FTF wrong when old and worn policy and assumptions are

in the way of simply evaporating the cloud so the exception cannot exist. In general, the

best solution evaporates the cloud of exception. In the last 40 years dependent event

setup and batch size concepts have been evaporated to near zero with TOC thinking.

One-Size-Fits-One processing through the requirement has taken over because it does

not delay the best outcomes given the true definition of High-Quality.

I am point out that K-8 school districts are first setting up, second defining class size,

and third defining class levels that private sector process rules have condemned over the

last 40 years and left behind because such are wasteful. Please jump ahead to the

middle of this letter to the stated Truths, Gifts and Focus and know that one-size-fits-

one processing is the only way to achieve best readiness for first grade and the school

districts have gone forth with setups, class size, classes and rankings for kindergarten to

make gap creation worse, not better. Most parents know where their child ranks.

Watch for the double edge of online learning that is taking over the schools and forcing

the attention to one-size-fits-one delivery for those who are not prepared to achieve one-

size-fits-one requirements and will become destined to widen the gap. And, relieving

the constraints for those who have been prepared by parents for one-size-fits-one active

learning and will no longer be held back.

Dependent events are not like independent events.

When the dependent event is delayed because the requirement has not been met the

time lost will never be made up. Read the hike. Individual or group progress toward

best achievement after the requirement is missed is a time-based valuable exception.

Really the physics dictate the time cannot be made up. The individual can be dropped

from the group as scrap or the group can be delayed due to the need for rework. This

delay is boring for the individuals on the way to best. It is more sensitive to timely

correction when the process is one-size-fits-one.

A classroom and grade levels are setups of batch sizes and subsequent learning

requirements that have been put into High-Quality Outcome perspectives by TOC Eli

Go0ldratt’s Business Novel Critical Chain written in 1997. Presently one-size-fits-one

education is reserved for rework where the big bucks exists with the strivers who are

delayed by the group.

Large Systems are more difficult than smaller systems where dependent

events can be more directly addressed with the end in mind and a starting

requirement. The closer the process becomes to one-size-fits-one learning

the less important the size of the system becomes.

As an example, in the K-8 school system how many clouds would evaporate if each and every child were blessed with an outcome from the preschool juggernaut that equalized starts as the first opportunity. How many adults would scream more intellectually for equality if it were delivered to those who want it for their child before they even start kindergarten.

The Truth, Without the gift of Early Reading Skills all children are behind before they even start kindergarten.

https://www.usa-positive-expectations.com/support-files/thehike2.pdf

The Gift, Only an individual gift delivers early reading skills at age 2, 3, 4 and 5. This gift is the key to opportunity. It is society’s best (effective and lowest cost) approach to preparing the most at-risk to want opportunities, choices and engagement because of past success.

The Focus, When 100% of the children start kindergarten ready to read English the urban school has excess resources to meet the larger requirement. K-12 Schools are vested but not funded in the goal of 100% readiness.

If we can agree that true 100% best readiness is the High-Quality outcome for the preschool juggernaut and it takes one-size-fits-one attention we have the age 0-6 focus on FTF, ERSD-RA, PVofPE-Prek outcomes as the end in mind for the pre-school juggernaut. The goal is 100% readiness, lowest possible cost as an input to a more complicated system but, but, nobody, nobody is left behind regardless of time and cost. What else could it be if High-Quality is required to stay in business. We have seen and will see more and more of the cost of non-compliance. This outcome becomes the High-Quality starting input for K-8 or First-8. This will take special one-size-fits-one attention on reading, math, and positive expectations for 100% of the kids before they even get to public and private schools. This is the point of equality, not the point of racism. Mom and Family choose to be ready and will need that NewOldMoney quality is free decision making by the leadership. Only the FED can make this money equally available to an individual decision to desire it. The children are by nature and process individually primed to succeed while adults need to stop their worst and bad influences.

Moving on past the scope of age 0-6, the First-8 public and private schools, if the readiness clouds were evaporated, have a huge first things first right the first time RESET to undertake at the local and individual level. No choice!

What is the goal? What to change? What end in mind to change to? How to make the

change? Socrates will help but stale prejudice, untested assumptions and out-of-date

policy cancelations will be required. Possibly contracted workers based on outcomes

will be more effective for the child than a union protected employee.

The go to leaderships are plentiful. The discipline of high-profile change management

for schools is not encouraging. When one talks about going around the system it is

really about evaporating a cloud without changing that which does not need to change.

But the cancel culture should chew on the public schools, not the statues. The teacher’s

union might be worse than the police union in terms of worst or bad selfishness.

These are the leaders I would suggest the FED look to, they will say without exception

the guardians of the daily process must be honored because fewer elements of non-

compliance is in their direct daily interest and the solutions are to be simple, not more

complex..

These pictures literally say hundreds of thousands of words. Fredrick Hess is the only

one with direct experience in the schools and comes close to saying his efforts at even

little reforms have been difficult and produce tears that Philip Crosby says are not

necessary. Lynching Willie by A.J. Briscoe is a difficult read that will upset your senses

as one considers growth in emotional intelligence and progress made in 400 years. A

replacement to it is a novel by John Grisham titled Sycamore Row published in 2013

that is factual enough to make the point when combined with Star Parker’s personal

story of awakening described in Uncle Sam’s Plantation revised and updated in 2010.

You can see from the pictures the heavy belief and reliance being placed on the

discipline of the Theory of Constraints and Eli Goldratt. There are many of these

professionals available to the school districts, they are not in short supply. The template

to change the processes of dependent event systems is available for the asking. Eli

Goldratt was a physicist and problem solver working with blocks of truth that apply

whenever a process of dependent events must also become High-Quality with

Continuous Improvement.

What to do with Existing Reform efforts?

Expect 100% agreement that the High-Quality Outcome of 100% ready to read, count

and understand positive expectations for the benefit of starting kindergarten and first

grade will increase the scaled effective throughput of any school system. USA VALUES,

LLC. likes to say it would change everything in less than 5 years. It will reduce the cost

per scaled unit and reduce the in-process risk to balanced equality/inequality and

individual success. What else can the private sector do to really address perceived

racism from everyone in a way that its cloud is evaporated. A change to elementary,

middle, or high school processes will likely be wasted without the benefits of the FTF

pre-k juggernaut changes that create equal inputs. The focusing steps are to exploit

everywhere the solution to the systems constraints and elevate the solutions impact and

anticipated impact in actions of continuous improvement. Systems are never identical

because of the human factor but, if the right first things first is not fixed there are many

tearful efforts wasted. Real leadership is going to merge the High-Quality issues of pre-

k one-size-fits-one efforts with HOW the K-8 school system processes the children.

I mention no choice in getting this right! Working on the wrong choice has now cycled

to setting up the next riot and canceling the wrong past actions and thought.

Click here for two recent respected leader’s opinions on Early Child Learning leading

into a large school district changing processes due to the virus. In the case of early

learning his private sector thinking does not start with the end in mind and the

tremendous value created in the private sector with a real high-quality definition and

performance. And, in the case of the school district his excellent thinking does not start

with first things first and the promoted emergency spending never gets to evaporate the

cloud of exceptions so the exceptions will keep on flowing.

Your power, with these 15-20 dots connected, could save the nation 50 years on the

movement to continuous improvement meeting the High-Quality Full Employment

https://www.usa-positive-expectations.com/support-files/localleadership.pdf

mandate required. It also balances the federal budget with receipt money reserves held

in the private sector should they be needed to strengthen the US dollar. Using a real

High-Quality definition for age 0-6 early education and letting those outcomes fully

impact the inevitable one-size-fits-one education process in the K-8 system would

change everything from the drive of the main street private sector individual.


USA VALUES, LLC.





#15 From: [email protected] <[email protected]> Sent: Friday, 8-10-2020 1:59 pm








Subject: Using Present Value-Positive Expectations-Pre-Kindergarten

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. Do not bother with the rest of the letter if you think there is no way this could be true. If you think we do not need to recreate and innovate the core of 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 banker’s interest in the economics of the difference when significantly more could be grasp by the individual with the help of the banks.

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 must 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 60 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.

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.


USA VALUES, LLC.




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.

#14 From: [email protected] <[email protected]> Sent: Friday, 8-10-2020 1:59 pm


Subject: Present Value-Positive Expectations-Pre-Kindergarten

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.

Mother and family must be convinced that her child has a better or best future with early writing, reading, math and positive expectation skills and a present value of positive expectation for having those skills from early (age 0-6) learning. This must be valued in the private sector. Some mothers and families are in this system to create value way into the future and other are not. The present value concepts bring the difference in expectation of the future into the present, so it clearly becomes evident, measurable and bankable much like growing an apple tree from a sampling. Just a regular economic in a free society to choose the work of growth, or not.

Bankers need to be convinced that the present value assigned to early learning is reasonable, so it is bankable. Who is going to pay for it? This market value assumption ends up creating real money (achieved outcomes over irreversible time) in the private sector economics. This pricing of PVofPE-Prek and its promotion as social gap understanding gives rise to the market value of each child in the system of early childhood development. Neural synaptic networks created within each brain designed by our maker are to be filled with knowledge connections; and will close on nothing and disappear without connecting the networks to the knowledge after the age of 5-7. The closings without connection make it harder to learn language, math and positive expectations later, the gap is created, and recovery is most difficult.

Investors (parents) will for the sake of economics and social development do first things first on the basis of; historically this is how we do it; or, on the basis of the science; or, OMG this is important to the success of everyone in any way it is defined. This is where the FED steps in if mom and parents cannot do the delivery. Because in their wisdom they have stepped into almost every requirement of monetary policy financial success

facing constraint and bottlenecks. Overall, they have been far more generous with citizens who already have money and unfairly not gifting to those who need to accumulate the soft assets before the hard cash-based assets.

This is a subject better covered by Professor Heckman from the University of Chicago regarding Early Education and Early Child Development. The real NewOldMoney subject addressed by Professor Heckman springs into this website’s positive expectation story. Click Here This with 15 other dots that need to be connected so equality among individuals can be expected at age 6 within our great nation of equal opportunity.

NewOldMoney as seen in the 21st century light by the banker and investor springs from the concept that worst, bad, good, better and best can be valued at market at age 6 based on what we know today about future income expectations and how well the age 0-6 best outcomes have been achieved. Parenting continues whether this is known for each child or not. So, you must say the PVofPE-Prek really exists whether it is valued, known and used in child development or not.

I am leaving the direction below with the statement that for practical purposes until we know better there is little risk to being wrong if we just work with published data put into ranges that allow us to create assumptions of minimums: Best has a market value of $750,000; Better is $600,000; Good is 450,000; Bad is $150,000; and Worst is $0. The scope of these values applies to the mass of every-day We the People. The high end excludes the individual with more than a 16-year accumulation of presently available education.

https://www.usa-positive-expectations.com/heckman-equation.html

https://www.usa-positive-expectations.com/heckman-equation.html

Excluded are those who are burdened or succumb to the risk, having smaller expected earnings levels and little present value (for expected 45 years of future work) as evidenced by that demonstrated recorded and reported. This is considered below the floor of 1,750,000 lifetime earnings and risks exceeding a compounded 10%.

The floor is 1,750,000 lifetime earnings through age 67 and given the risk of living at the floor no present value at age-22 or at age-6 can be attached to this level of earnings. Not only are lifetime earnings lower but the risk is higher. Expectations are overwhelmed by risk day to day and year to year. As a result, the present value is nothing anyone would invest in for a ROI at age 22. Without a change in prospects due to luck or something unusual the present value of the next 45-50 years is $0 or lower.

Excluded are those on such a fast track who have credentials at age-22 that give rise to extremely low risk and “unlimited” opportunity to earn at age-22. Such that they as individuals go on to school after the 16th year and exceed the expectations that a young adult has from 16 years of education and learning for a trade. This is considered above the ceiling. We use the age-22 ceiling and valuation of a future limited to that which can be expected in a normal course of life, we have stopped increasing the expectation at

$3,500,000. Those with expectations over that are special and excluded as far as our age-6 market value assumption calculations go.

This is a picture from a 44-page AICPA Valuation Booklet of Small Business Consulting published 60 years ago now replaced by thousands of pages.

My imprecise calculations are included, Click Here. The FED will need to imagine and create from scratch the range of values for good, better and best. We used Individual earning streams demonstrated and reported in the works of Michael Cox and Richard Alm published in 2012 after complied by the George W. Bush Foundation. See chapter 2 pages 10-14 of The 4% Solution Unleashing the Economic Growth America Needs.

Also, Tangelo Park Results Page reveals that According to Fastweb, LLC: Link

• High school graduates earn $430k more over their lifetime than high school dropouts • An Associate’s degree is worth $390k more than a high school diploma • A Bachelor’s degree is worth $1.2 million more than a high school diploma • A Doctorate (Ph.D.) is worth $1.7 million more than a Bachelor’s degree • A Professional (law or medical) is worth $2.9 million more than a Bachelor’s degree

This reveals what we all know. (In 000’s of dollars) on the scale of high school.

Credential Lowest High School Assoc Degree Bachelors Doctorate Professional

less than HS -430 0

Associate 0 +390

Bachelors 0 +1,200

Doctorate 0 +2,900

Professional 0 +4,100

https://www.usa-positive-expectations.com/support-files/recentpvofpe2.pdf

https://www.tangeloparkprogram.com/our-results/

We must cover being imprecise with a story. Imprecise is less and less as delivery of learning gets earlier and earliest. The private sector understands the value of credentials, plus emotional intelligence. The community needs every family and business and non-business organization, including the faith base and the schools to reprioritization along the lines of there is a Present Value of Positive Expectations from Pre-k. In fact, the time to project the value is at 6-years old, before public education starts. Mom’s influence of the subsequent public education systemic delivery is more and to the better when her child has better and best early education skills:

“OMG- I cannot be a part of leaving $750,000 of possible value behind when it is this simple”

But picture this

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 present value 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. Highly 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.

https://www.usa-positive-expectations.com/education-gap.html

· 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 wrongdoing.

· 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 perception in the public 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 that ignore interest and inflation but fully considered risk. 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 $750,000 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, the turning and the century. Read the book and see the PVofPE-Prek in everyone's life.

Position for this expectation

$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 over 4,000,000 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.

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 the above (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 get the FED and the parent in the best case a market value of $750,000.

In another case leaving the governments and even 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. 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 has receipt money value to the FED. The gift also has local crypto value to mother and child (depending on how well she uses the positive reinforcements provided by the leadership) for the impact it will have on the community. Nothing happens without anticipating the market value of Early Reading Skills Delivered within the private sector. This is already done by parents who see the future at age 22, understand First Things First, and know that best can be defined and purchased.

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 middle class confidence.


USA VALUES, LLC.

Early Reading Skills Delivered





#13 From: [email protected] <[email protected]> Sent: Friday, 7-31-2020 1:59 pm To: 'Ombudsman' <[email protected]> Cc: [email protected] Subject: Disparities have a source Sure, to admit that racism is the USA original sin, but it is also the original sin of humanity and it is not

going anywhere. Where would the expectation come from that the USA was or could be free of that

sin? Some in the colonies and the states that followed were dead set against Slavery. They won the

rejection of slavery; it took a civil war and 600,000 total deaths from both sides. The story drones on

and on and distracts from first things first and continuous improvement.

Of course, slavery is not the racism being discussed today (continuous improvement) but it is driving the

cancel culture with undue strength and overstatement. The cancel culture is too much of a negative to

our positive expectation for the future. The cancel culture will test poorly against the requirement to

continuously improve. It is all about the future, right? The influence of wanting more with the freedom

to own more is a human condition that is human nature facilitated by the Constitution, Capitalism and

Christianity. Any fundamental change to those bedrocks will be vetted against the Tragedy of the

Commons.

Eventually the concept of freedom and choice will come to the constraint that freedom is not free and

many in each generation have fought for it with a substantial price. The center 80% will not give up the







Constitution, Capitalism and Christianity because it is a tested framework of success. Only a small taste

of living without it will turn the nation back to it. Who would have considered that selective private

sector giving would have such a steep moral hazard created from both the private and public sectors

leading to selective inequality seen as support for elite bankers but nothing for moms who hold the key

for at risk children making up more than 50% of the age 0-6 population.

The rule and truth will soon return to the middle where the majority makes and protects the space for

the minority directly leading to the clarification of equal opportunity under the constitution leading to

an admission that the private sector FED has not made its gifts equally effective for everyone. The most

powerful corporate leader of the private sector has a systemic shortcoming that cannot be blamed on its

relationship with the government.

True first things first equal opportunity exists in the presentations of required learning promoted by one

of the first Early Childhood Development Specialists and Doctor. She developed the method working

with the poor children in the slums of Italy. She proved that children learn well with hand-based activity

designed to self-correct so a child could receive a presentation from an adult to learn and practice what

was required. Math, writing and language skills were put into the base of learning through the hands

and every child who desired to learn could. Given self-choice a child will always choose to learn. Given

self-choice mom will always choose to learn. She discovered the child was sensitive to learning language,

math and order between the ages of 3-6. Read the book The Absorbent Mind by Maria Montessori to

understand the starting place for formal early education and development. Understand Head Start

missed this by miles and you can go down the list of activities and materials that are missing.

Montessori is not the only way to learn early but it is a sure bet way to success that relies on the

environment as much as it relies on the teacher. Meaning the self-correcting activities and materials are

especially important to the process. Mentors who understand the use of the materials can be effective

without a 4-year degree.

Maria Montessori started a private sector industry in the USA at the time her concepts and methods

were rejected for the public sector education system. The framework of her method is tested and solid.

It supports thousands of businesses and preceded the work on early brain development with the

concept of sensitive periods to learn language, math and order. Her method sets up the child to be

better than the adult, adult willing. It is a simple concept of letting love, compassion, courage,

understanding and respect drive high quality right into the first through sixth grades. Check out her

writings in chapter 28 where she positions the child to be the unstudied, but much talked about

attribute of society’s Love and civility.

The other point to make is a professional cannot justify Head Start without reading Montessori’s

Absorbent Mind to see what is missing. Progressives designed their own untested systemic process and

now spend 8-10 billion dollars per year for an unequal gap creating result that stands in the way of

progress. Think how big of a miss this consequence is and what it will take to fix it because it is now

embedded and cannot be cancelled. The public system is stuck with how to generate better and best

results with it. The private sector from some very powerful base will be required to run alongside the

public sector early education starting with Head Start for 40 years before better and best becomes

routine. THERE IS NO OTHER ROAD TO EQUAL STARTS TO FIRST GRADE LEARNING. THE SYSTEMIC

PROCESS IS BROKEN.

The public sector can do for the nation worst, bad or good quality delivery and it takes the private sector

to deliver good, better or best. Better and best requires one-size-fits one early education activity. The

creation of more and more laws instead of the one-on-one activity makes this even more true when

money constrains the outcomes or when the 3rd year of Montessori (kindergarten) is moved to the

public-school district as all-day kindergarten. This result is just the opposite of what is natural and true

to growth. The child is at the peak as a Montessori 3-6-year-old and gets cut short by the public sector

to restart with children in a much lesser defined setting of achievement. The child wants to learn, is

sensitive to the activities but is interrupted by the adults in an upside-down system that actually

contributes to more risk but reduces the gap from the better and best measures.

Achievement over a defined time period that cannot be replaced is the definition of real money

creation. The value creation for the future happens between the ears within each and every child. It is

the source of inequality. It is not racial. Equality really boils down to the one-size-fits one influence

mom has on the pre-k and elementary system. Because of Head Start mom as an individual has not

been encouraged to seek the best and influence local education with the desire for the best. In the

private sector some parents are willing to pay for the best setup. Simply stated our nation has a public

sector systemic process (that word again) that produces only good readiness.

YOU CANNOT MEASURE QUALITY ON THE BASIS OF INPUTS WHERE OUTCOMES ARE INDIVIDUALLY

DISPARATE AND DEFINED AS DEPENDENT EVENTS. HIGH-QUALITY OUTCOMES ARE MEASURED AGAINST

GOOD, BETTER AND BEST DEMONSTRATED OUTCOME REQUIREMENTS THAT THE PARENTS CAN

READILY UNDERSTAND. When the powerful measure systemic inputs as justification it is an act of

selfishness.

At this time, it will take the most powerful company in the world to fix this systemic error in the

education system that gives rise to present symptoms on the street and in the schools. Books upon

books upon books have been written about the Montessori Method. Preschool after preschool are

successful at all sizes with parents and children. But it is not the only way to meet the requirement that

exists one size-fits-one. Montessori does however lead to an early hand-based learning process for

everyone that is effective on an international level. Each location in the USA should at least drive to the

High-Quality requirement with the parents and professionals defining it for BEST outcomes. Local

school boards are often talked out of BEST outcomes that would remove disparities from the results.

This mix of influence needs mom’s knowledgeable influence and demand that the goal is set at BEST

because low expectations and achievement only lead to surprising disparities at some point. Only the

FED has the power and money to effect this change to systemic worst, bad or good outcomes as define

by better and best.

But all of that brings up the issue of HOW (What To Change To) would the FED fix the origin of equal

growth education, economics, emotions and ethics opportunity in the public space at age 6 without

increasing the moral hazard of giving something for nothing on a local not national foundation of

achievement. I have been critical of Head Start because of its result based largely on the writings of

Chester Fynn Jr’s published Reroute the Preschool Juggernaut in 2009. He is a scholar retired from the

Fordham Excellence in Education Foundation. Head Start is chapter 9 of 12 easy to read chapters

depicting the errors of the system’s unequal starts that plague the K-12 systems and international

comparisons. Harris Rosen of Tangelo Park fame as a private sector citizen paid and continues to pay for

the community to put Head Start on steroids to fix the local system requirement of full employment. It

has been written up in a whitepaper and you can find a link to it from our home page. Our less formal

link to the effort is https://www.tangeloparkprogram.com/ But still, what is the FED to do about

creating and innovating education, its life blood to High-Quality full employment. The public sector

gives early rise to dangerously important disparities. Innocent people are now dead, more will die

because of the reliance on the public sector.

Private sector innovation is the name of the game. It can go right around government in the age 0-6

frame and set up continuous brain development improvement right around the public sector almost

overnight. The courage to intrude can be leveraged by the outpouring of the Fortune 1000 or 2000

corporations in the nation who are considering ways to add social responsibility to the concept of

Capitalism. Ask their C Suite leadership if their children are at risk to government’s early education

systemic process before first grade even starts. “Americans deserve an economy that allows each

person to succeed through hard work and creativity.” A statement from the Business Roundtable and

JPMorgan Chase Chairman and CEO Jamie Dimon. Leadership is important because just any change is

not first things first change. The most important and powerful player has not done the homework to

define What To Change To as outlined by Eli Goldratt in his Theory of Constraints publishing.

Cheers. Hope to hear from you. It would be respectful to know the letter emails are reaching the intended leadership. Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered


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.

https://www.tangeloparkprogram.com/







#12 From: [email protected] <[email protected]> Sent: Monday, 6/23/2020 1:59 pm To: 'Ombudsman' <[email protected]> Cc: [email protected] 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. https://www.usa-positive-expectations.com/support-files/chapter28.pdfnbelievers 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.

https://www.usa-positive-expectations.com/support-files/chapter28.pdfnbelievers

https://www.usa-positive-expectations.com/support-files/chapter28.pdfnbelievers

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.




See The Biggest Lie in the History of Christianity, written by Mathew Kelly in 2018 where he shares


















#11 From: [email protected] <[email protected]> Sent: Monday, 6/11/2020 11:59 am To: 'Ombudsman' <[email protected]> Cc: [email protected] Subject: Systemic Racism yes and no


The president of the Federal Reserve Bank of Dallas said he agreed with his Atlanta counterpart

that “systemic racism” is a drag on the U.S. economy. Robert Kaplan, who has served as the

president and CEO of the Federal Reserve Bank of Dallas since 2015, made the comments

during an appearance on CBS’ “Face the Nation.” Asked by host Margaret Brennan whether he

agreed with Atlanta Federal Reserve Bank President Raphael Bostic’s quote last week that

“Systemic racism is a yoke that drags on the American economy” and that the U.S. has a “moral

and economic imperative to end these unjust and destructive practices,” Kaplan said he agreed.

“A more inclusive economy where everyone has opportunity, will mean faster workforce

growth, faster productivity growth, and we'll grow faster. And so, I think we are right to focus

on this and bore in on this,” Kaplan said.

Yes and No! Disparities are the opposite of Equalities; Difference is the opposite of equal.

Racism is a function of the defined group that dilutes an individual’s goodness in powerful

comparisons along the lines of majority and minority. Its opposite is individualism as a function

of choice, personal rights and freedom based on one’s belief in God or god. The individual is

real and stands in spite of and within the groups who assign and cause good and bad roles for

majorities and minorities. Most individuals belong to more than one group. Groups within

society define good and the definition always includes a line of compromise within any list of

issues. Being better and best is being individualistic by choice and freedom. The Rule of

https://www.foxnews.com/category/us/atlanta

https://www.foxnews.com/category/us/economy

https://www.foxbusiness.com/business-leaders/who-is-dallas-fed-president-robert-kaplan

https://www.foxbusiness.com/business-leaders/who-is-atlanta-fed-president-raphael-bostic

Commons is true and factual for every group that exists; when private properties (real,

personal, emotional and ethical) does not exist; better and best does not exist.

So where does equal and equality take place so we as individuals (everyone is an individual first

things first) can have a positive expectation of growth education, economics, emotions, ethics,

energy and environments (EEEE). It is only logical to think that groups will reflect differences

within themselves and between themselves and the USA promise of equal opportunity is for the

individual not the group. The group feels the difference and uses the word systemic. The solution

remains with the individual because the group can be no better than good. When, where, why,

what, who and how can this equality be targeted and measured because it is being requested.

Before birth, after birth, at age 2,3,4,5 or 6? Certainly not after age 6 now that it has been proven

that 90% of the individual brain synaptic networks that stay with the child for life are formed,

used or lost before the age of 6-7. And you would not start the improvement process without

considering dependent events. The measures will reflect some rating of worst, bad, good, better

and best within the groups and comparatively to other groups.

Measuring for moral and economics imperatives to prevent unfair and destructive differences

has probably gotten more important as diversity grows within the USA. Learning earliest only

makes sense but what is the proof of work to equality that also defines the difference in future

individual outcomes. In truth, measures and comparisons of individual children are always used

to define the next step. The nation is naturally disparate, the proof of work to prove equality to

handle opportunity is available at age 6. It has a value to the nation and the individual. Its

substance can now be locked and digitally secured for the individual, parent and mentor to prove

readiness and solidify positive expectations. The proof of work is probably protected as private

property by the US Constitution. This already exists for some children and parents as they look

for choices to be ready for kindergarten and first grade. But the last two sentences reek of

recorded disparities at age 6 to become well documented in public later. Would it not be better

to privately record the range of equality at age 6 given we know its value and it is going to

manifest itself. Street leaders are screaming for continuous improvement in what is truly a moral

hazard mess. Would it not be better and best if all children were better and best against an

absolute scale because we know the dependent events and achievement is value lost or gained.

These requirements are individual choices and at age 6 reflect chosen degrees of best

knowledge, of time and achievement (value) and can be categorized into worst to best

expected outcomes. The source for language, math and positive expectation is the Montessori

age 3-6 curriculum of work activities and hand-based learning. Of course, there are other

sources of proven readiness. These listings have been taken from the book Basic Montessori

Learning Activities for Under-Fives by David Gettman in 1987.

USA Positive Expectation Activities are detailed throughout www.usa-positive-expectations.com

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 am 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.

I suggest the FED follows its introductory representations and does focus on systemic racism

and the elimination of disparities before they form. The above proof of work for every child at

age 6 will address race, black lives matters, whiteness and white privilege to dismantle the

disparities of outcomes at a time that they can be dismantled. Dig into this first things first and

do it as part of FAIR MONETARY POLICY in the alignment of mission critical stability of prices,

security of asset values and high-quality full employment to keep the dollar dominant in the

world. The private sector with leadership from the FED and the street can operate to reduce

differences in the proof of work described above.

4 million children start kindergarten each year: 24 million children are in the process of being

some degree of different at age 6. The FED cannot impact the future growth more significantly

than raising the proof of work criteria to be better and best for potential opportunity. This will

cause education disparities to rule over race and class disparities as the most important criteria.

The expectation for meaningful equality will be changed for the life of the child and mother.

12-20 years of developing readiness by this specific proof of work for each child will change

everything. Race is not so important in this development because the numbers are

overwhelmingly white for the class of those most at risk. This proof of work in the hands of the

parents and mentor will put a fire under systemic K-12 education.

Tweet from @tdwusavalues and @EEEEinNDC -- Attained knowledge that destroy disparities in

the future of 100% of the children is proof of work toward equality. Plus, achievement within

irreversible time creates value, scarcity, choice and freedom. The brain synaptic network is

NewOldMoney waiting on the private sector FED who has the unique power to focus on

fairness. Brain Gold as mentioned in letter 10 becomes the private sector asset base in reserve

against the government spending deficits. This is receipts money versus debt money. I heard

there are 2.4 trillion dollars of investment gold in the world along-side of unhinged to gold

money created by debt and crypto receipts for proof of work. At market value there are 3-4

trillion dollars created, or not, per year, within the above proof of work.

The elephant in the room regarding education disparities will continue to be the early progress

made by the category of parents and children who are not at risk as it is presently defined.

Once the absolutes are defined and verified the competition to be best within the private

sector will include advanced progress by those mothers and children best prepared to make

advances. This multi-segmented continuous improvement has already been noticed.
















#10 From: [email protected] <[email protected]> Sent: Monday, 6/11/2020 11:59 am To: 'Ombudsman' <[email protected]> Cc: [email protected] Subject: Influences - One for the US Treasury Deficit and One for local EEEE








Bloomberg Businessweek June 8,2020 starts out with “Mainstream economics has many ideas

about getting beyond racism.” Which lessons apply in real life? It ends two pages of the same

old with its conclusion. “What is clear is the need for the power structures of economics and

business to grapple with life as it is lived, not as the textbooks specify” Former Mayor R.T.

Rybak said “the Minneapolis effort has finally woken up to the problems in its midst. Smug for

too long.”

Well this letter is not going to restate the editorial. It is going to go deeper into first things first

in any restructure of the original sin of race relations and economic stratification. In fact,

racism is right now a world problem!! Always has been and always will be. For this discussion,

there are far more poor whites than black in sheer numbers so first thing let’s leave the original

sin to be tackled by the individual morals, but “the power structures of economics and business

to grapple with life as it is lived, not as the textbooks specify” has a deeper level not yet

explored. You see, mom with at risk child (age 0-6 is exactly the point of life as it is lived (real

plus and minus first influences)) that business, education, individual economics, emotions and

ethics (EEEE) must restructure.

Specifically, this gets to be emotional and the first principle of influence is universal. This also

adds up to adjusting the Black Lives Matter influence elephants in the room. The influence is

totally described as the base floor to the Psychology of Persuasion written by Robert B. Cialdini,

PH.D. The influence that is so basic is the rule of self-interest. That people want to get the

most and pay the least for their choices. This is a motivational given. It is a factor, so universal,

that the book covers this basic influence as a given before the other weapons of influence are

mentioned. It is simple before simple. It is moral hazard defined when mom thinks about more

without a desire for “more longer term” outcomes that are good, better or best within the love

she delivers to her child early in life because perhaps she never got that kind of love. Doesn’t

matter why, at this point, this first things first change of individual outcomes, as they are being

lived, that become first things first inputs into the system of life on the streets and in the

schools is not yet being influenced by the concept of more good, better and best. Living for

“more high-quality outcomes” today must go through the eye of the powerful to become real

because the public system is out of money and mired in the commons.

The pre-k world of early education has mega bucks being spent without a defined result for the

future of the at risk child. High-quality basic definitions define the need for rating readiness as

worst, bad, good, better, and best. The economic foundation of early education needs the gift

of resources that can deliver good, better and best outcomes. Every school district should have

a private sector mentoring service working directly with mom, if she chooses, to deliver real

readiness as discussed within these letters.

Paying for the tools and resources is the subject of the first 9 email marches on the FED. Our

most powerful private sector company must pay because it builds an asset for its mandate

(High-Quality Full Employment) (USAVALUES Debit Bond) that can, because of its blockchain,

pay off debt at the highest level of our nation without adding inflation as long as the dollar

remains strong and the world currency.

The gift from the FED is required to be a fair to those who do not even own soft assets or have

an expectation of owning hard assets but can feel the difference/disparities. Accelerating the

desire and love for the child’s future will also require additional private sector. It must also

create incentive for mother and child to gain and become individually influential in those exact

rated outcomes during the age of 0-12. If Black Lives Matter reduced the size of its elephants in

the room it might be effective for all lives that are presently destined to be EEEE challenged.

Progress with Black Lives Matter (BLM) could be effective when it addresses at least these 4

elephants in the space. 70% of the nation believes change in urban communities is warranted

and worth protesting for. I would dare to say 95% of the nation would welcome to change

under the guide of doing first things first for mom with at risk children driven and accountable

to the most powerful company in the world tied directly to the private sector and Wall Street.

1. All lives matter when they are aligned with the group in power. When they are not

aligned, they are not so important. This is worldly natural original sin. That sin exits

everywhere. The power of the group creates nonalignment (racism). The power of God

aligns with individuals who are aligned or not aligned with the group. The God-fearing

moral foundation of the individual involved within the group has been made not so

important. Even the God-fearing are not being obvious. This is worldly natural original

sin. Where has it been fixed? What is first thing to do? It might not include riots and

deaths.

2. BLM lies to itself when Blacks lives are being snuffed out by blacks without equal

indignation that would solve some real issues of self-respect and safety. Respectable

people will not engage because of this.

3. New money for equal outcomes is at risk to waste and availability when BLM does not

expel violence from the ultra-left and ultra-right for its own self-respect. Respectable

people will not work with the ultra-left and ultra-right.

4. New money is being asked for without regard to doing first things first to make it

effective. This is the subject of www.usa-positive-expectations.com. Ineffective has

already slowed the flow of new money.

The Truth, Without the gift of Early Reading Skills all children are behind before they even start

kindergarten.

The Gift, Only an individual gift delivers early reading skills at age 2, 3, 4 and 5. This gift is the key to opportunity. It is society’s best (effective and lowest cost) approach to preparing the most at risk to want opportunities, choices and engagement because of past success.

http://www.usa-positive-expectations.com/

The Focus, when 100% of the children start kindergarten ready to read English the urban school has excess resources to meet the larger requirement. K-12 Schools are vested but not funded in the goal of 100% readiness.

This public service message proposes that earlier education requirements will cause new spending on age 0-6 urban at risk children that will be recovered within the district's already existing systems of continuous improvement, if done, within the Laws of Constraints. This system thinking is already supported by private sector industries of school change management, development banking and all dependent event systems in the world would benefit from doing first things first. IT IS NOT A NEW CONCEPT.

Consider that startups causing the acceleration of influence, love and much less moral hazard

could create earned and banked cryptocurrency by establishing the individual value earned and

placed in the crypto wallet for worst, bad, good, better, and best outcomes going into

kindergarten.

The currency to be created will generate open ended prosperity that can be banked and

exchanged for real life goods and services within the USA under the universal control of a new

blockchained exchange. This would create a significant opportunity for mother and child

supported by the local economic community and feed off the concept of USAVALUES Brain Gold

mined right on Main Street.

The idea is the FED’s gift of readiness fully valued at market is targeted to offset the US

Treasury deficit. But what the private sector creates within the incentive world of crypto work

product, exchanges and wallets adds up to local inflationary resistant prosperity. What crypto

value would you put on worst, bad, good, better and best individual outcomes? Enough to

wipe out the moral hazard yet create a base for value stability and appreciation for what is

invested and banked with the national exchange of ReadiCoin.

From Wikipedia, the free encyclopedia. The FED leadership for the 21st century

should consider this. The younger leadership can make this happen for the

nation.

“A cryptocurrency (or crypto currency) is a digital asset designed to work as a medium of exchange wherein individual coin ownership records are stored in a digital ledger or computerized database using strong cryptography to secure transaction record entries, to control the creation of additional digital coin records, and to verify the transfer of coin ownership.[1][2] It typically does not exist in physical form (like paper money) and is typically not issued by a central authority. Some cryptocurrencies use decentralized control as opposed to centralized digital currency and central banking systems.[3] When a cryptocurrency is minted or created prior to issuance or held on a centralized exchange, it is generally considered centralized.[4] When implemented with decentralized control, each cryptocurrency works through distributed ledger technology, typically a blockchain, that serves as a public financial transaction database.[5]

https://en.wikipedia.org/wiki/Medium_of_exchange

https://en.wikipedia.org/wiki/Medium_of_exchange

https://en.wikipedia.org/wiki/Ledger_(journal)

https://en.wikipedia.org/wiki/Database

https://en.wikipedia.org/wiki/Strong_cryptography

https://en.wikipedia.org/wiki/Cryptocurrency#cite_note-crypto_currency-1

https://en.wikipedia.org/wiki/Cryptocurrency#cite_note-reuterspricing-2

https://en.wikipedia.org/wiki/Decentralization

https://en.wikipedia.org/wiki/Digital_currency

https://en.wikipedia.org/wiki/Central_bank

https://en.wikipedia.org/wiki/Cryptocurrency#cite_note-3


https://en.wikipedia.org/wiki/Distributed_ledger

https://en.wikipedia.org/wiki/Blockchain


Bitcoin, first released as open-source software in 2009, is the first decentralized cryptocurrency.[6] Since the release of bitcoin, over 6,000 altcoins (alternative variants of bitcoin, or other cryptocurrencies) have been created”.

Just a few notes to examine the money flow into and out of the crypto bank and wallet (ReadiCoins). Say a bank with adequate scope were to target West St. Paul, St. Paul and Minneapolis with an investment commitment in the crypto bank with 10 million dollars for 10 million ReadiCoins. The commitment is not a grant, it is an investment in 10 million ReadiCoins that are offered to mom if she delivers her child to kindergarten really ready to read, count and understand positive expectations. The suggested incentive is based on private sector boosted outcomes within the child and mom.

Worst Bad Good Better Best

Per child ReadiCoins value $500 $2,000 $7,500 $10,000 $15,000

• ReadiCoins are valued at 1 dollar each in local merchandise and services as a digital coin.

• ReadiCoins can be redeemed in US dollars for 75cents

• The bank of ReadiCoins is well run and properly capitalized with at least 20% equity so

there are actually 50 million ReadiCoins available to be earned.

• Investments will be made by community supporting the ReadiCoins wallet.

• Overtime the market will dictate the 75cent valuation back to US dollars.

• This is a clear layout of how to create incentive for mother with a child at risk to create

within herself and her child the influence of the private sector over the K-8 public and

private school systems.

• The bank concept is proven in the crypto world of digital money. NewOldMoney used

to grow is tied to the child’s readiness for the 80-year arc future. Investments will be

made by those with a direct ROI in the velocity of the crypto money. Think local, who

would that be? In addition, to the school district that would expect lower costs due to

100% readiness and 100% positive expectation for high-quality full employment.

• This is an early investment in real life on the street.

Concluding, The USAVALUES Debit Bond is to be used within the concept of PVofPE-Prek to pay off the national debt much like finding and mining gold on the moon; the Brain Gold being mined is within our children on Main Street within the knowledge is money theory. The present public system leaves behind trillions of valuable neural networks when they close on empty. The private sector incentive needed for mother with at risk children because of the moral hazard she has been born into is corrected overtime with the use of the crypto digital ReadiCoin local money systems. Two new flows of real receipt money, one going from main street to offset US Treasury deficits and one staying on Main Street to capitalize growth education, economics, emotions and ethics in real life.

https://en.wikipedia.org/wiki/Bitcoin

















#9 From: [email protected] <[email protected]> Sent: Monday, 5/31/2020 11:59 am To: 'Ombudsman' <[email protected]> Cc: [email protected] Subject: High-Quality within First Things First Right The First Time (FTFRTFT)


From my previous email letter

The Theory of Constraints informs us that physics combines with first things first to guarantee an increase in high-quality outcomes if the right constraint to the total system’s behavior is elevated and solved. Just getting this right takes you to fixing everything to include interest rates, the deficit, the real money dilemma, moral hazard, pension investment risk and the







education system. Fix the true constraint and watch it ripple through our civic systems. Repeating! You have the power to first things first look at the total private sector system and elevate the constraint to highest quality outcomes and make the most powerful deal for high-quality continuous improvement by a return to creating soft assets in advance of financial assets. This will stop infecting the system with obvious early moral hazards.

Headlining 21st Century Education - Needed Customized Schools and Curricula.

The FED is most powerful. Its partners will see and pay to correct the constraint to better and best education outcomes. This aspiration of being able to break through our current constraints already exists at the FED with the concern for ROI from early education. You know the outcome of best is in your mandate and you are ready to target disparities with the 1977 Reinvestment Act. Almost. Hopefully, this letter will make sense and guide your investment perspective to do what is first things first in a very disaggregated first things first human societal activity, with expectations for best PVofPE-Prek and PVofPE-FNGDP values. The private sector education initiative from age 0 to 6th grade is a public/private activity that requires your hand to work real fairness into the ribs of the nation’s Preschool Juggernaut to prevent low quality irreversible outcome’s (cost of poor quality).

Find your own google search page for the Theory of Constraints. It is a real deal used in business restructuring and turnarounds for 40 years now. It is the source of wealth creation seen in Silicon Valley as the routine of human activity focus for first things first is aggregated and monetized. Examples - I need to be someplace else - connect with uber. I need my friends closer – connect with Facebook. I need to express this thought to my connections - Twitter. And many more supply chain improvements applied to growth education, economics, emotions and ethics are and will be aggregated by private sector powers. The supply chain for High-Quality full employment suffers because government will never be able to apply itself to better and best outcomes with the right first things first dependent activities and events. It will take your private sector influence over the redirected desire for more asset building to break away from the failed state that is creating first things first disparities including widespread moral hazard.

There is fairness in making Literacy Is Freedom the Law of the Land

and requiring parents to deliver real reading readiness

even if they need personal mentors to achieve it for themselves and their children

There is fairness in the private sector to pay extra to reach 100% of the children

A tremendous level of operational and financial power is created when a process of dependent events starts with doing first things first. Each of these experts stand on their own. Put together they form a real powerful change method.

Philip Crosby makes the point that quality is free when first things first are done right the first time.

http://www.usa-positive-expectations.com/Zero-Defects.html

Stephen Covey makes the point that first things first, being proactive, and starting with the end in mind are the first three habits of being effective.

Eli Goldratt makes the point that the first thing to do is always elevate the process bottleneck for more throughput.

In the system of education gaps the bottleneck is the lack of early reading skills starting kindergarten. Of course, the disparity started earlier. In fact, it is about children completely missing the sensitive period to learning language during the age of 3 to 6 so they are behind others, forever. The top of the quality scale has gotten more significant in the last 15 years with the marketing of education toys to the least at risk.

The Who, What, When, Where, Why and How of First Things First is part of the understanding between school districts and the community. It is a fluid documentation of what it will take to create an even start for the most at risk. Click here for a somewhat detailed coverage of related First Things First.

A whole system of dependent events for (birth to age 8-9) — parents, communities / cultures, preschools / child care and the school district will redefine itself via literacy by meeting 100% of the defined requirements in the community / school process. Minnesota Statute 120B.11 and .115 written and passed without expectation. Link

The Theory of Constraints is a management paradigm that views any manageable system as being limited in achieving more by a very small number of constraints. Wikipedia I will let you deal with how deep you want to get but this Theory of Constraints is solid enough to give you the expectation of becoming a “national leader in what’s next” and how to change to it. And, if we were going to have a discussion with a reasonable expectation these 3 books would be critical as raw knowledge.

https://www.amazon.com/Goal-Process-Ongoing-Improvement/dp/0884270610

https://www.amazon.com/Critical-Chain-Eliyahu-M-Goldratt/dp/0884271536

https://www.amazon.com/Theory-Constraints-Eliyahu-M-Goldratt/dp/0884271668

I have adapted the concept to education considerations at the school district levels.

High Quality is defined as meeting the customer requirement, in the case of dependent events it is meeting the requirement of the next step often defined as the internal requirement. These definitions work because they can be understood by the supplier, employee and the customer. These definitions are hard to execute and challenge leadership in areas of walking the talk, telling the truth and stopping the process with the customer being at the top of the concern.

http://www.usa-positive-expectations.com/Stephen_Covey.html

http://www.usa-positive-expectations.com/Goldratt.html

http://www.usa-positive-expectations.com/support-files/2.j.howstrong.pdf

http://www.usa-positive-expectations.com/Arguments.html

http://en.wikipedia.org/wiki/Theory_of_constraints

http://www.amazon.com/Goal-Process-Ongoing-Improvement/dp/0884270610

http://www.amazon.com/Critical-Chain-Eliyahu-M-Goldratt/dp/0884271536

http://www.amazon.com/Theory-Constraints-Eliyahu-M-Goldratt/dp/0884271668

Do not be mistaken, if the customer cannot understand the quality being defined; the quality system is full of hot air, misdirection and quackery. Our at risk children deserve better than QRIS, CLASS, UNIVERSAL PRE-K, HEAD START, and OTHERS that drive for best practice inputs that only imply best outcomes.

OMG – the arc of a kid’s life is at stake.

Our most at risk children need systems of high quality. The innovation from the above inside the definition below is possible and is no choice. Doing first things first is a challenge for leadership. There is no choice but to walk the talk and tell the truth with the OMG being at the top of the order. The innovation is overdue.

• The definition of quality is conformance to requirements

• The system of quality is prevention

• The performance standard is zero defects

• The measurement of quality is the cost or price of non-conformance

• Link Dear K-12 Administrator and Leader

• First Things First Right the First Time to Believe Quality is Free

• We need to have a positive simple understanding by teacher and parent to stop misdirection

and quackery about quality.

• The Theory of Constraints by Eliyahu M. Goldratt, 1990, available from Amazon, is the logic

being used in the stories told within the mentioned books. It is simple logic.

• The goal is more throughput, less in process risk and less total cost of the whole system based

on cost and total units.

The focusing process (page 75) is in generic words

1. Identify the important system’s constraints

2. Decide how to exploit the constraints

3. Subordinate everything to the above decision

4. Elevate the system’s constraints

5. Do it again once the system constraint is broken, and do not stop.

The focusing process (page 76) is in generic system improvement words

1. What to change?

2. Pinpoint first things first.

http://www.usa-positive-expectations.com/support-files/introstory1.pdf

3. Effect – cause – effect thinking method

What to change to?

1. Construct only simple, practical solutions dealing with exceptions as they are seen

2. Evaporating clouds method

How to cause the change?

1. Induce the appropriate people to invent such solutions

2. Socratic method

It is politically incorrect to speak so generically about education quality. But the following discussion of pre-k quality is offered to simply call for private and public education outcomes evidence before K-12 school even starts. Outcomes are on the political right side of a discussion of quality but measuring outcomes in private public sector programs will be critical to closing the gap for our at risk urban children. These are examples to indicate the solution is not ours. The value of the solution for our public sector program is extreme and worthy of the FED’s attention. It can be mostly defined by this work, among others.

Reroute the Preschool Juggernaut http://www.hoover.org/publications/books/8138 by Chester E. Finn Jr.

AND, The Absorbent Mind by Maria Montessori https://www.amazon.com/Absorbent-Mind-Maria-Montessori/dp/0805041567

AND, Montessori Read and Write, A parent’s guide to literacy for children by Lynne Lawrence https://www.amazon.com/Montessori-Read-Write-Literacy-Children/dp/0091863511

Any public/private local effort could form around the above expertise and off the shelf first things first continuous improvement principles given extra money to solve constraints to create the extra good, better or best outcomes.

We make the claim that extra best outcomes would be worth at least extra present value of $500,000 at age 6 per child. Present value lost per year on 4,000,000 children is staggering and our nation staggers year after year. Repeating hopefully, this letter will make sense and guide your investment perspective to do what is first things first in a very disaggregated first things first human societal activity, with expectations for best PVofPE-Prek and PVofPE-FNGDP values. Your intention in this disaggregated environment can be one size fits one with paid mentors servicing the mother, child and school systems.

The concept is that quality improvement is available for the taking. It almost takes no brains to envision a 100% delivery of all children ready to read to kindergarten when a paid mentor is inserted into dependent events process. This would subsequently change everything under the banner of Quality Improvement.

http://www.hoover.org/publications/books/8138

http://www.hoover.org/fellows/10338

https://www.amazon.com/Absorbent-Mind-Maria-Montessori/dp/0805041567

https://www.amazon.com/Absorbent-Mind-Maria-Montessori/dp/0805041567

https://www.amazon.com/Montessori-Read-Write-Literacy-Children/dp/0091863511

https://www.amazon.com/Montessori-Read-Write-Literacy-Children/dp/0091863511

It is a big thought, but it is actually a smaller thought than the combinations of no child left behind or special education or title I or early special education, or, or and or. Ready to read before kindergarten capitalizes on just the age 0-6 time period when children are attached to mom with the universal built in sensitive period to learn language at the age 3-6, as a function of nature, before they are behind. You know the gap has been increased since it was defined by mothers who no longer wait for kindergarten and sometimes do not even wait for preschool. The market is speaking as to what is first things first.

But… the first step for school districts and communities is so very simple a book is not needed. Managing the fact that everything will change year by year from the front end. Costs will be bridged to savings and that will require change management leadership and assurance. It is pure supply chain innovation for a school district to reach into the community to assure itself that all children are really ready to read. It is pure critical chain resource planning in K-12 to make the most out of the new early high-quality input.

The Goal Introduces the Theory of Constraints. Plus 5,000,000 copies of this book are in publication and the business school universities use it as a textbook even though it is published as a novel. It presents constraints to throughput as process bottlenecks (like letting the not ready overrun the kindergarten capacities) causing more resources downstream to be applied to hopeless remediation and then dropout. It sees policies as throughput constraints that can be removed with Socratic thinking. We have used the following no nonsense letter to introduce this concept to superintendents.

If you believe these expert thoughts (call in a business executive to confirm that this has become common knowledge in the service and manufacturing industries in the last 30 years) you can start investing in Ready to Read — ERSD-RA tomorrow because it will all come together for you and the children. I know you do not want to mix school systems with business systems so do not. Look at the GOAL as More Graduations, Less Drop Out Risk That Will Not Graduate and Lower Total Cost Because of Increased Unit Throughput.

Our systems are not built to last the 85 years they are needed for the children and ourselves. It is time to structure our systems to continuously improve for ourselves and our children. Our way of life system (security) has not been created to last, yet. The way to that must include continuous improvement and it must include the Theory of Constraints whether by name or not. The author of this theory communicates it via several novels that are easy to read and one short book of logic.

This thinking leads to a conclusion that it is not luck when it is applied to any system of dependent events. Exceptions to be removed in the process are defined to include management policies that make it harder than warranted to throughput required units. Obviously, policies are good, but many old standing policies need to be renewed. This book helps the imagination. https://www.amazon.com/Its-Not-Luck-Eliyahu-goldratt/dp/0884271153 and this book is written with a 12-year education process in mind. https://www.amazon.com/Critical-Chain-Eliyahu-M-Goldratt/dp/0884271536

http://www.usa-positive-expectations.com/support-files/introstory1.pdf

http://www.amazon.com/Its-Not-Luck-Eliyahu-goldratt/dp/0884271153

http://www.amazon.com/Its-Not-Luck-Eliyahu-goldratt/dp/0884271153

http://www.amazon.com/Critical-Chain-Eliyahu-M-Goldratt/dp/0884271536

National leaders within the Pre-k Juggernaut already exist but they need your monetary policy money because of fiscal constraints. Assisting with just money without getting to worst, bad, good, better and best outcomes as inputs to K-12 is a waste. Getting to lowest cost of quality inputs, because of fewer exceptions, without recognizing the PVofPE-Prek and PVofPE-FNGDP values is a first things first waste to your well published mandates dooming our nation to the continuation of excessive national debt. Leading our national leaders into a bottleneck free, constraint free world of dependent events from age 0-6 and beyond is NEXT in education and is a big deal. All new money should bend to that body of knowledge and school district opportunities on all fronts after the total system’s behavior is combined to include age 3 to grade 6 and all requirements are defined within the individual education plan. It takes little redefinition of monetary policy to get to this ending. It does not need congress to act. The private sector 15-20 points are ready to execute many changes within a dependency sequence.

1. Believe the PVofPE-Prek at age 6 could be as high as $750,000 per child when brain

synaptic connections close on literacy, math and order of a positive expectation.

2. Believe the cost to do that is $20,000 without defined requirements, plus. Fiscal money

already exists for this delivery.

3. Cost of extra paid mentoring for mother and child at age 3-6 of $10,000 to assure good,

better and best outcomes that will need to come from the private sector.

4. 2036 target would be an annual 2.5 trillion dollars of blockchained present value within

the Pre-k private sector and FTFRTFT school systems for children starting kindergarten

really ready; including mom tuned into the ability to influence public or private

education.

5. NewOldMoney is Brain Gold Reserves created to offset the US Treasury Deficit held for

that purpose by the FED.

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 the above (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). Per Life After Google by George Gilder page 69 published in 2018.


651-735-3018, C 612-968-1579, [email protected] www.usavaluesII2.com https://www.usa-positive-expectations.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/







Copyright © 2020 By Thomas D. Wolfgram














#8 From: [email protected] <[email protected]> Sent: Wednesday, 4/29/2020 11:59 am To: 'Ombudsman' <[email protected]>

Cc: [email protected]

Subject: First Things First Right The First Time (FTFRTFT)


We the people’s economic interest is the private sector NGDP. The protector of that on the

downside is the FED. The FED stuck its hand in the ribs of government in 1913, took monetary

policy control, and promised downside protection from foreclosure to the masses and overall

protection to asset holders. As the real leader of the private sector, the FED dressed itself in

the words of government, and even fakes out the government as it retains monetary policy

power that will never be relinquished. Power beyond government because it is too intricate for

a republic or democracy, to conduct.

Your stabilization of the currency has not been good to seniors with pension assets. Maybe it

has been effective but low interest rates have created worldwide moral hazard. The actions

around the great depression, to now be expanded, were judged by your own past leadership to

be not so good. Everybody has an opinion. The urban communities are rife with the

unemployable. I am going with the Bailout Nation history recorded by Barry Ritholtz, looking

forward to his written follow up. But then the Covid-19 ditching of the economics that make us

viable has pushed monetary policy into the NEXT stratosphere, right now. A part of the FED is

perfect for NEXT and I am trying to explain world size NEXT is big and includes doing first things

first as it has not been done in the past.

NEXT is going to require a redefined goal of “High-Quality Full Employment”. In the process of

redefinition by the private sector the FED will need to pay for and give away first things first,

right the first time, and expect one-size-fits-one efforts as needed to create better and best

outcomes as the requirement. Remember you are not public sector and there is no room for

good enough in the high-quality definitions. Pre-k education where the brain has 90% of the

synaptic connections developed before the 7th birthday is a time for one-on-one gifting of best

outcomes for the most expectation.

The “crime” of public education is like the crime of bank foreclosure in the 1890-1913 historical

period of our nation. While it was the law the law was not fair. NEXT will require the private

sector leader (THE FED) stick his hand into the ribs of public education at the state and local

level to get to the goal and required outcomes. The fastest way to do that is to buyout the

failed Federal Government Elementary Education Department for its knowledge and networks.

This network is critical to the fast process of creating the PVofPE-Prek Better and Best

outcomes expected and not lose a step with the state’s constitutional responsibility for

education as you join the new goal. The Federal Government has failed since 1965 to get this

anywhere close to right and has given the whole nation a moral hazard to deal with.

This comes together at the school district and private sector bank level spending monetary policy money for better and best pre-k outcomes that become better and best first things first K-12 inputs across the land and especially focused in the urban areas. Everything will be different with accountable new inputs. I have registered that a school reformer declared there is not one large district meeting the lowest requirements for public education of We the People. My point is not to project this work required in K-12 other than to say positive expectations would expect us to do first things first at the prek levels. The USA will continue festering without flipping the FED in fairness back to first things first freedom, choice and asset ownership as a force to the Declaration of Independence happiness.

The Theory of Constraints informs us that physics combines to guarantee an increase in high-quality outcomes if the right constraint to the total system’s behavior is elevated and solved. Just getting this right takes you to fixing everything to include interest rates, the deficit, the real money dilemma, moral hazard, pension investment risk and the education system. Fix the true constraint and watch it ripple through our civic systems. Repeating! You have the power to first things first look at the total private sector system and elevate the constraint to highest quality outcomes and make the most powerful deal for high-quality continuous improvement by a return to creating soft assets in advance of financial assets. This also will stop infecting the system with obvious early moral hazards.


651-735-3018, C 612-968-1579, [email protected]


www.usavaluesII2.com https://www.usa-positive-expectations.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/ Copyright © 2020 By Thomas D. Wolfgram













#7 From: [email protected] <[email protected]>

Sent: Wednesday, 4/29/2020 11:59 am

To: 'Ombudsman' <[email protected]>


Subject: Continue Introduction of George Gilder’s Scandal of Money

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. This letter email will expand on the sixth point of letter email 6 with the concept of the USAVALUES

Debit Bond created by the FED. Today with no government approval needed a new monetary policy

tool could be created. New Monetary Policy Tools have never been approved by the government before

use and integration with the US Treasury. This is just the way it works dealing with immediate “financial

bubbles” and too big to fail debt. Now we can add the work stoppage due to a virus to the need for

private sector monetary policy and with the government out of money and debt capacity only the

private sector can innovate to monetize Early Reading Skills Delivered for a Ringing Advantage (ERSD-

RA). Just this will recreate more influence for moms on Main Street with the public and private school

districts. There is no way forward without everyone striving for better and best first things first

outcomes within the private sector and this would be a most impactful choice.






Here is another set of the points to consider for innovation nested within the writing of futurist George Gilder. One

The FED creates a blockchained investment totaling individual work, time and attention to early learning

detail outcomes that has a present value of a positive expectations depending on high-quality of $0;

$150,000, $450,000; $600,000; or $750,000. A creation costing $10,000-15,000 per child; marked to

market for intended gifting to the US Treasury where the gift becomes synergistic. The FED uses its

power to create this investment and this valuation of individual synaptic networks created and

evidenced by reading, math, and positive expectation outcomes measured as the child enters

kindergarten and first grade. The units of knowledge within the child are aligned for the investment

record at market value and combined with 1000 other individual outcomes to make a USAVALUES Debit

Bond owned by the FED. The Debit Bond is used in the system as receipted money reserves. It is

segregated to be excess or required to support the currency as needed by the US Treasury. Privacy of

the blockchain record must be an ultimate achievement.

The FED will need to imagine and create from scratch the range of values for good better and best. We

used Individual earning streams demonstrated and reported in the works of Michael Cox and Richard

Alm published in 2012 after complied by the George W. Bush Foundation. See chapter 2 pages 10-14 of

The 4% Solution Unleashing the Economic Growth America Needs. I assume no expense would be

spared to correlate the streams to the PVofPE-Prek of worst, bad, good, better and best outcomes at

age 6 going into first grade. The valuation process would be owned by the FED as part of its monetary

policy for the nation and the continuation of the world currency as it is known and adjusted into the

inevitable changes. There are 4 million children starting kindergarten each year and the present value of

those starts for discussion purposes is 1.3 trillion dollars with 50% of the children generating only 15% of

the value because of worst and bad age 0-6 outcomes. In the 40 years forward a positive expectation

would be (in constants) growth to 2.3 out of the maximum 3.0 trillion dollars; with 0% of the children

having worst and bad outcomes. As the population grows the 2.3 trillion per year grows.

I will share the creation of these present market value numbers, but the Main Street simplicity will not

impress you. My latest efforts use expected earnings from start of work to age 67; present value

factored back to age 22 after graduation or not; and then assumes the present value at age 6 is half of

that at age 22; because 90% of the brain is irreversibly developed at age 7. By these mathematical

boundaries the worst projection has a 6.5 times greater annual risk factor than the best projection. This

impacts the compounding result annually meaning the child with the worst early learning and a lifetime

projection of $1,750,000 of income has lived and died with 6.5 times more risk than the child with best

early learning and a lifetime projection of $3,500,000. The risk and opportunity that earnings are going

to be more dependent on brain capacity going forward needs to be expected and explained on Main

Street to mothers who have children age 0-6. Many Moms do not see these risks early enough. A

mentoring force is created as a permanent resource in the community.

You are going to come to your own calculations and conclusions. The clouds and the sun are real, and it

all exists within the FED mandate for high-quality full employment that is not yet seen in a first things

first perspective. This ties to your mission and the Community Reinvestment Act. Please don’t recreate

the Federal Education Department for the networks to the primary schools and communities. Just

privatize the department based on choice and the Constitution. Get this right and the math would tell us

the deficits can be wiped out by savings in the reserves of the private sector with the issues of socialism

forever put to bed.

I am afraid there will be calls for universal income, but they are wasting voice and print with a focus on

the government when the real money is with the FED and the private sector. Consider that universal

basic income is just as flawed as universal pre-k. If the funding comes from government it will be for

worst, bad, or good outcomes, not better and best. This USAVALUES point is to convince the FED to do

something worth doing better and best within the private sector in the spirit of fairness and high-

quality full employment. Rest assured there will always be enough money for better and best

outcomes for those who know it is critical. Please we are calling on the FED to be fair in funding better

and best pre-k outcomes with private sector monetary policy because it would be the fair thing to do

based on what the FED has done in the past and now again due to the virus for just about anybody with

assets.

Two

Main Street wants a return to real money to value creation and savings. There is no reason not to have

that and still have the fiat currency in play in the nation and the world. The fiat currency is ready to be

built upon and replaced segment by segment. There is a long way to go to a knowledge standard for

money based on the time and energy behind best age 0-6 brain development. This path to innovation

already exists. But immediately Main Street would have a darling that would assume 2% entropy, 2%

profit risk and 2% minimum risk. Pension plans and the like would flock to investing in early learning

development with USAVALUES Debit Bonds as NewOldMoney takes hold of the Education Industry

based on first things first solid real outcomes. First things first development would solve over 6-10

years the disparity issues that have taken over the school districts.

Three

The Debit Bond valued PVofPE-Prek adds up to a transparent contribution to the PVofPE-FNGDP (Future

Nominal GDP) that will be understood and broadcasted on Main Street within the state and local banks.

Nothing is more constant, and the source of equality than age 0-6 possible individual brain synaptic

closings creating networks of knowledge and information circuits to deal with the 80-year arc of the

future. Nothing is more first things first important to our disparate multi-race and national makeup.

Our Nation is unique in makeup and most powerful with the freedom and choice outlined in the

Constitution. Literacy is Freedom and it can be promoted to moms and communities as NEXT on Main

Street. When Main Street realizes it has the answer to the deficit and the disparities the middle and

lower class will take over the world. Can the FED promote this to Main Street and become the darling to

class mobility? Main Street would no longer feel pushed aside and NewOldMoney would drive

innovation in every industry because more knowledge and capacity would exist locally.

Four (chapter 13)

Money has gotten way too complicated for the middle and lower class. Remember when you could

mine gold, silver, oil and create brain synaptic closings on order, literacy and math without a Federal

Energy and Education Department (say in 1965). The Debit Bond would bring Wall Street to Main Street

and leave Washington D.C. in the swamp. Money represents a frontier for information and logic and

why not simply create it locally and first things first with the backing of the community and local

education. The PVofPE-Prek is critical to doing first things first within the school districts looking to

improving quality and control costs. This community development in the private sector will spend 20-30

billion dollars per year with extreme velocity. There is more on this subject (Theory of Constraints) as

districts look for simple first things first right the first time change methods and reorganizations that

work.

Five (chapter 14)

Wall Street has lost its soul to Washington D.C. because it will not consistently assert private sector

better and best virtue; does not need to work for real money anymore; and Wall Street has accepted

too many bailouts. The FED because it has led government to bail out the private sector in the past has

created the expectation it will give more leading gifts and encourage government to do more bailout in

the future. Interest on excess reserves is one of many examples. A very good read on that is “Bailout

Nation” by Barry Ritholtz and Aaron Task copyrighted in 2009. One can only imagine an update.

However, for all the complaining there is no obvious replacement for the FED as part of the private

sector and a God willing renewal of positioning against moral hazard and unreal money. The Debit Bond

should be added to the mix of Monetary Policy Tools because it represents the creation of real money

under all circumstances. Honoring time as the base of money will restore real money because it takes

an irreversible critical 6 years to deliver ERSD-RA for a best 85-year future for everyone, not just those

using the knowledge as a quick start to low standards today. Life would work much better when time

and knowledge and connection is money right from the start. Literacy is freedom, peace and love right

from the start for everyone. The synaptic closing on knowledge is a constant of physics, work and time

building irreversible value, or not based on the individual. The USAVALUES Debit Bond is based on time,

work, scarcity, irreversibility, peace, freedom, equality, equity and entropy. It will lead the way as one

example to encourage abandonment of the idea that government funds can be converted into wealth.

Some would say we live in a world without real money because time is no longer being valued within the

money and wealth systems.

Six An alternative is to use the Private Sector Mirror FED (PSMFED) to seed this idea started for moms and children within the private sector. The speculator and a school district and a substantial local bank could seed these ERSD-RA efforts. HOW? A normal bank cannot gift the money via monetary policy, but it could ask a speculative investor in a high risk funding effort to accept plus 15% returns. Because the investment and interest might not be paid back unless the Real FED steps in with its monetary policy to create the USAVALUES debit bond which is a suitable investment for the pension plan investors and the like. This would align the serious big money investors to convince the Real FED to adopt the futurist thinking and just be fair about asset building to go along with asset security and safety. Our writings to connect the FED, the PSMFED, Speculative Investors and Pension Plan Type Investors to the USA VALUES Debit Bond exists upon request. It is written at another level as if all the influencers required were active and some would think it to be fanciful leaving the realm of high level. Cheers. Hope to hear from you. It would be respectful to know the letter emails are reaching the intended leadership.

Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered
















Sent: Friday, 4/21/2020 10:17 am



Subject: Introducing George Gilders Scandal of Money

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. In the last 5 email letters we noted how the FED adversely impacts the projected presence of the private sector by letting our society think monetary policy is government power rather than private sector economic power. We complained about your email system that does not allow direct access to the leadership. We introduced the belief in God the Father as being critical to our positive expectation that the FED could be more fair and see that financial asset protections includes the need for soft asset creation. Soft asset creation could in the normal course of an individual’s 85 years cause more financial asset ownership (economic growth) within the private sector future. More high quality first things first continuous improvement of early education outcomes would solve the fairness issue for our nation, and we are laying the fairness issue at your feet, because of your power.







“Fairness can be subjective, but everyone feels it when it is real and when it generates joy and happiness. A child who is ready to read at age 6 is most joyful and joins mom in a new positive expectation. This outcome requires you to release the constraint on best early learning one- size-fits-one inside the private sector before the age of 6. You can pay for that (a gift) if you can bail out trillions of financial assets over a couple of years. The financial risk to an outstanding ROI presented by paid mentor deliveries to a motivated mother and child is low.” We now are doubling down on that as the private sector FED provides the new money for itself and the government’s war on COVID-19 at the rate of 5-10 trillion dollars over the next 5-10 years. We provided a library booklist showing the book covers to better understand the base knowledge, scope, and breath of the discussions that you must consider as you innovate for continuous improvement. The war on COVID-19 is going to prompt you to innovate faster and there is no reason to ignore the need to do first things first for the guaranteed best result. The cat is truly out of the bag. Our 5th email letter to you sets the stage for our continual ask for fairness in how you apply monetary policy to the period of time after the USA wins the war on COVID-19. Starting with the formal refinement of full employment to first things first high-quality full employment as each nation on earth competes to restore its expected growth in the present value of future nominal GDP. With all the pumping of constraint busting new money going into the restoration of the economy it just makes sense that a short new 6 year initial focus on early kindergarten readiness by a mentor and mom warrant the attention of the most powerful within the private sector. The Elementary Federal Education Department, if made a part of the private sector, might really set a new stage of expected education outcomes. It certainly would shake things up for a new perspective that only the FED could provide within the concept of high-quality full employment. “The education system will change with God given natural choices if a civil society delivers the children really ready to read, count, understand positive expectations to kindergarten. Especially when moms get help from a “mentor system” that continuously improves based on annual outcomes. This focus is supported by the age 0-6 brain science. The same brain science that could support market values based on good, better, best, outcomes within the private sector creation of new brain gold money reserves.” The breath of the future discussion is going to include these keywords and phrases. Many of them created to apply to the 15-20 points. Many of these can be googled to reach sections of the websites created. Brain Gold Reserves and Mining, Present Value, Positive Expectation, PVofPE-Prek, PVofPE-FNGDP, First Things First, FTF-High Quality, Early Reading Skills Delivered, ERSD-RA-High Quality, First Things First Right the First Time, FTFRTFT-High Quality, NewOldMoney, USAVALUES, Montessori Self Correcting Activities, hand Based Early Learning Brain Developments, Freedom and Choice, Influence, Modern Concept of Full Employment, Private Sector Monetary Policy, First Things First and the End in Mind. An introduction to the concept of New Brain Gold Reserves relies on the written words of George Gilder and his discussion of Why Wall Street Recovers But The Economy Never Does - The Scandal of Money. Please have someone you trust review this work with an eye toward the difference between gold, receipt money in the reserve and confidence money (FIAT) in the reserve. Ask your trusted associate to write a book report for our review as I am interested in just how far the FED has to go to create its own receipt money currency based on monetized brain synaptic closings that are extra knowledge and networks to be created based on a newly created private sector definition of good, better and best outcomes. Page 160 of this futuristic thinking of George Gilder includes collaboration from the

American Principles Project. The application of this thinking to USAVALUES brain gold and the USAVALUES debit bond is stretched from that thinking by Thomas Wolfgram. Here are about half of the points to consider at the highest level of innovation. One Real money if it is to be created and supported beyond the public confidence elements must be tied to time that cannot be reversed or replaced but can be wasted if not used. The USA need to create some real money like gold or oil reserves to offset the deficits being incurred. Real Money is not more confidence money. The creation within the private sector due to monetized early learning would be stored as receipted reserves against the public sector debt. Why?... Two Brain synaptic closings on literacy, math and order within the measure of 6 years from birth could be made to equal a measure of money by the most powerful private sector company in the world as a monetary policy tool. The value of good better and best measured units of outcomes has been hidden by government pricing and services for the most at risk. The elites and others are willing to pay, for early readiness and understand, but do not share with all the first things first important knowledge. Three A newly created work and productivity for mentors, mom, and child before age 7 is naturally tied to the human nature of opportunity, justice and fairness of creating more knowledge, networks, order, agreement and peace. This works to defy the concept of zero interest rates and created fiat money. The six-year time elapsed when the brain is most sensitive to learning language, math and order has value based on the outcome and even sets the expectation of normal risk critical to the concept of “risk free” 2% as the base. Society if sitting without everyone making progress is going backwards. The risk of real entropy is a rule of physics. Does gold spoil, does oil spoil, does brain synaptic closings on literacy and math spoil? The human being is a created element starting before birth. How fast does entropy set in? Montessori hand-based learning materials are only one way to assist the creation of knowledge networks and circuits (21st century money). Given the stagnation present, a first things first (FTF) focus on the brain synaptic circuits within the human brain before the age of 7 will explode the value of the nation if it is done in the private sector to achieve better and best outcomes. Four When the value of time is allowed to fluctuate without regard to a unit of created knowledge, or as in the past a created real money structure serving as stored value the money system has moved to the Government and Wall Street based on trading, speculation, and manipulation versus work and thrift over time. The USA has taken the whole world in this direction and our private sector future leaders can put this back into a bottle that cannot be matched by any other nation by simply creating a value for first things first worst, bad, good, better and best unit outcomes of early reading, math and positive expectations from order achieved during the ages of 0-6 by the most diverse nation in the world with the strongest bill of rights. This incremental value accounted for with block chain receipts is large enough to pay off or reserve against the national debt of the past. This value is based on the USA unique mix of continuous improvement of Capitalism, Christianity, and Constitution. The building blocks to this value are the assertions of private sector PVofPE-Prek and the PVofPE-FNGDP. The Present Value of Positive Expectations from Pre-k and Future Nominal GDP are concepts that our nation must embrace versus universal income from a fiat money base. At present the trillions of dollars missed each year still

dwarfs the new national debt incurred each year so it is important to see this as a way out of the hole being created by the government. Five It is impossible to get away from the fact that value and wealth is connected knowledge in the 21st century. Growth in learning and connection is governed by working, faith, specific expectation, scarcity, irreversibility of time, order and entropy. Only the FED with its private sector power to gift 20-30 billion dollars per year for 30 years can capture what our society has managed to leak into nothing over the past 55 years. This is the physics of true connections and continuous improvement of the real systems and individuals relied upon to contribute and take away from the future nominal GDP. Stifled opportunity is gross injustice. Opportunity missed because a gift is not received on time when all others are receiving the gift earlier and earliest is the source of unfairness and inequality. This happens because success is not dependent on first things first work available on USA Main Street. Rather between the Government, Wall Street, trading, speculation, and manipulation work and thrift over time has lost its worth and virtue. This is reason enough to expect, promote and work for the private sector middle/lower class achievement of best early learning as created new wealth and money. This speaks directly to the 1977 Community Reinvestment Act under significant duress. Six The government cannot create better and best results when that quality of outcome requires an individual to individual gift of time and attention to details. See the tragedy of the commons, rights, ownership and happiness are leading lights in the USA. Time is irreversible and scarce as it applies to synaptic brain connections being developed or not during the ages of 0-6. Getting those connections to form on knowledge when they are cascading to 90% of the development in 6 short years could be seen as helping a child gather all the gold possible from a constant common flow before the sixth or seventh birthday. Repeating time is scarce and irreversible and requires the gift of individual time and attention to details. In terms of a positive expectation we are creating a present value of $150,000; $300,000; $450,000; $600,000; or $750,000; for worst, bad, good, better and best outcomes at age 6 going into kindergarten. The private sector delivers the child to the education system with an expectation for what the child will learn as an individual and what the child will contribute to the 80-year going forward total. First things first continuous improvement requires the private sector correct the expectation of the public sector. Only the most powerful organization in the private sector can put dollars of receipt money to those individual outcomes expecting a gross improvement on the future nominal GDP of the nation. That improvement in present value based on a mentored input of $10,000 to $15,000 over 2 years has less of an ROI than the cost/profit structure of the heroin trade -- so the high return on early reading skills delivered is demonstrated reasonable to the good side of society. Ask about the value of the positive expectation created by a parent who has done the work to expect their child to go onto college and get a productive 4-year degree at age 22. The very basic reason is to expect the child to achieve earnings of at least 3.5 million dollars in a lifetime of 85 years subject to normal risk, security, safety, stability, adaptability, flexibility and a valuable first things first start.

Letter email 7 will expand on the last point of letter email 6 above with the concept of the USAVALUES Debit Bond created by the FED or a FAKE FED. Today with no government approval needed a new monetary policy tool could be created. New Monetary Policy Tools have never been approved by the government before use and integration with the US Treasury. This is just the way it works in crisis; innovation, evolution, and bottleneck capacity satisfaction dealing with immediate “financial bubbles” and too big to fail debt. Now we can add to the cause of monetary policy the work stoppage due to a virus.
















Sent: Wednesday, Tue 3/24/2020 7:19 AM



Subject: Futuristically Writing About Your Leadership

Modernizing and staying the course after COVID-19 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. These times of uncertainty will pass. They will bring most of us closer to God Almighty the Creator. I have no basis to ask on the issues of today except to continue to request the private sector side of the FED attends directly to the freedom and opportunity of mom with at risk age 0-6 children. So, I will







continue that discussion, and project assumed stable conditions that will return to the USA after the initial shock of Covid-19. Stable Conditions Assumed Do not let the conversation be about bailout money. It is war footing money. Medical war footing money. China virus war footing money. The whole world has the cost of this war because of China. They may well be expelled from first tier western civilization. The clear issue will be how we rebuild from the damage in the process of staying number one. Well, President Trump has the foresight to declare war against the china virus and gain the world-wide upper hand in the battle. His cost is likely 20% of GDP, twice. A cost he will have to pay the citizens to stay even while new footings are created and a cost of previously expected but now lost GDP gains on the other nations that were recorded within the market values of the assets held by the private sector. In the market of worldwide economics other economies will have it much worse as evidence by the strength of the US Dollar. So, the “hit” will be carried on the balance sheet of the FED and the deficit side of the US Treasury as the money is created as if we were at war. We the people, are at war using war funding, there will be no chance to call the President’s actions socialistic. The actual cost of the war is what it is, our price tag is unlimited 2, 3, 4, 5 trillion dollars on the war. Our nation can handle a deficit better than any other nation. It is like the Marshal Plan, but the spending will be in the USA. The USA has more substance and will design payments to modernize within the recovery and it is important to redesign to do first things first, everywhere. This should not add to uncertain election proceedings in any other way than to show him as a real leader willing to pay the price for the safety and security of the nation and its people inside the border. It is pointing to see the government struggle with the details when the issues are so basic, but that is why the private sector trumps the public sector. The rule of law just cannot operate quickly on a moral basis because it is too big, and the rules are too complicated and in the way. The President is way out ahead of the government reporting to him in effective response because he went to the private sector for outcomes. Revealing will be the use of already developed drugs in a cure and mitigation while the government calls the outcomes anecdotal hopefully all the way to the cure. Also revealing will be the actions of the FED to make certain the financial asset systems stay operating without constraint that causes failure in the confidence of the USA middle class in the dollar and the working of financial assets and money to the extent that all USA citizens have the faith that the money is available. That causes most to say In God We Trust. A desire to hide the true power of the private sector FED’s money is desirable but it will be revealed to at least contrast the USA system against socialism and communism and lesser strength economies. But really in the show of such strength it must modernize the fairness issue with mom’s who have at risk children for even more contrast with other economies. The President, used his dear to his heart economic gains to fight the war and as soon as the nation’s middle class private sector sees it in this light the stock market will recover and the new “Marshall Plan” will distance the USA with modernizing progress. China will take the hit for the next … years. He is a true capitalist and moralistic Christian under the Constitution. He will declare war of some nature to justify the authority used. Hard to imagine the cost, but the USA private sector in charge of the public sector has the money and will win.

Yes, the President’s working morals today show him to be a very special person in word and deed. Liberty for a short time (30 days) is the cost of the war, victory is assured as we come out stronger than anyone else, and the USA wins again. Now to the issue of freedom and opportunity for the children at risk. The above does not complicate the private sector side of the FED mandate. Stable prices, full employment, protected financial asset values on an international level that became a mandate of sheer practicality as the two-legged stool needed a third leg. Private sector multinational corporations acting like governments have gotten so big and out of sync with USA moral character and stable prices and full employment are being influenced way beyond the borders of the USA. The third leg of the FED is the protection of our asset market values. Taking on this third mandate should not forget the first things first consideration of hard and soft asset building that is fair and true equal opportunity within the Constitution. The USA when it returns to trust in God is a moral and civil private sector with a set of Christian based western civilization values. The FED’s third leg mandate will square up the nation’s attention to sloppy financial values and civic education based on Capitalism, Christianity and the Constitution because of the sheer power delivered by a first things first change based on an unconditional gift. This calls on a moralistic (fair) private sector FED to provide opportunity to mom for her age 0-6 at risk children in a way that can be monetized (rated worst, bad, good, better, and best). This just seems practical in the light of everything happening and everything that must happen to create the modernized usable definition of full employment in the 21st century. The private sector needs a stronger middle class to emerge reenergized allowed to work for itself to create a better or best future for the family with a stronger growing GDP and network of self-respect and civility. It just cannot happen without a private sector effort to backstop 50% of the moms who have at risk children. Government has shown its weakness, it cannot do one size fits one efforts needed to generate better and best age 0-6 outcomes and first things first cannot wait. Seems like the private sector FED is also at a time in history when it needs to get real about monetary policy and expectations from NewOldMoney asset building first things first. Often a gift proceeds asset building within western civilization Christianity. The education system will change with God given natural choices if a civil society delivers the children really ready to read, count, understand positive expectations to kindergarten. Especially when moms get help from a “mentor system” that continuously improves based on annual outcomes. This focus is supported by the age 0-6 brain science. The same brain science that could support market values based on good, better, best, outcomes within the private sector creation of new brain gold money reserves. Interest paid on excess reserves will no longer be the only USA poster child for fairness from the private sector FED. New examples will be plentifully current. There is no question the FED is going to want to be defined within the private sector after the government stumbles around spending 5 trillion on the medical virus war. You would think the FED would want to be considered a fair most powerful private sector company as it leads into managing/controlling a government that now has even more residual deficit. The FED is uniquely powerful to support the new level of deficits on the world stage and maintain the strength of the US Dollar with little benefit in doing this as a part of the government.

This future stage is set for the valuations defined by the private sector PVofPE-Prek and the PVofPE-FNGDP. The first is the building block of the second. Fairness in timing of equal starts is equality of opportunity and the seeding process will be more transparent and criticized than ever. There is no reason not to use monetary policy to define, elaborate, and seed the concept of Full High-Quality Employment to keep the definition away from the stumbling Godless government and acquire within the private sector the means to the process and expected outcomes. Cheers. Hope to hear from you. Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered















From: [email protected] <[email protected]>

Sent: Wednesday, January 29, 2020 12:21 PM



Subject: Futuristically Writing About Your Leadership



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If the pictures in this email did not appear, you can view this email in total at https://www.usa-positive-expectations.com/support-files/fedletters.pdf

What will change everything in a real true first things first ultimate end in mind growth education,

economic, emotions and ethics outcome for those classes of individual citizens who today have little and

see little or no opportunity. In the future they could have early in life soft assets and see adequate

opportunity for 85 years into the future. The truth is one can be bold enough to see and describe a God

Dependent Future for the poor in earth or heavenly spirit or Spirit when you trust God as stated on our

money.

Please start with this base knowledge. The opportunity is in the private sector networks of these

already written ideas and efforts. Of course, these ideas and efforts can be matched to others that are

similar, but that is not the purpose of the list. The list is to be read and studied and worked into the

platform for future leadership of the most powerful private sector company in the world. Of course,

other published materials could strengthen the platform.

Really, what is first things first at the point that 90% of WE THE PEOPLE would agree? This plan is about improving the influence of poor and middle-class mothers to insist that her child is really ready to read before kindergarten. Moms are important elements of the 90% of individuals who have positive expectations and want to make certain her children are not negatively gapped away from true growth education, economics, emotions and ethics. We address that by adding the mentoring of mother and child to be really ready to read before kindergarten (math and a positive expectation are part of that). Her influence combined with a ready child speaks volumes to the public and private Pre-k to Grade 8 education system. We do her a disservice when she does not learn about best early outcomes in time to influence the outcome she expects for herself and her child.

https://www.usa-positive-expectations.com/support-files/fedletters.pdf

https://www.usa-positive-expectations.com/support-files/fedletters.pdf

A tremendous level of operational and financial power is created when a process of dependent events starts with this. Each of these experts stand on their own. Put together they form a real powerful change method. Philip Crosby makes the point that quality is free when first things first are done right the first time. Stephen Covey makes the point that first things first, being proactive, and starting with the end in mind are the first three habits of being effective. Eli Goldratt makes the point that the first thing to do is always elevate the process bottleneck for more throughput. In the system of education gaps the bottleneck is the lack of early reading skills starting kindergarten. The disparity starts earlier. In fact, it is about children completely missing the sensitive period to learning language during the age of 3 to 6 so they are behind others, forever. The top of the quality scale has gotten more significant in the last 15 years with the marketing of education toys and hand activity-based learning materials to the least at risk. Brain synaptic closings that include reading, writing and order in the early years are units of time sensitive outcomes.

Perhaps the Disconnected Kids, once it is connected to the Scandal of Money is the fastest way to see

the end in mind. Our private sector leadership would be talking about each of these concepts and

actions (dots) in connection of information and networks with money value attached to represent a

totally new way forward.

Time before the age of 6 is finite and constrained. Created brain synaptic closings within that time frame are not yet seen as money. Government delivery, pricing and individual elites want to refrain

http://www.usa-positive-expectations.com/Zero-Defects.html

http://www.usa-positive-expectations.com/Stephen_Covey.html

http://www.usa-positive-expectations.com/Goldratt.html

from recording measured units evident in age 0-6 outcomes of individual age 0-6 children. This is a fatal politically correct flaw. The alignment of learning activities for “risk free” “gap reduction” success would pay for Early Reading Skills Delivered for a Ringing Advantage (ERSD-RA). The limited one-on-one activities were clearly written in terms of units of outcomes for parents and private sectors over 30 years ago. There is gold to be mined between the collective ears of the children with more money than god to realize its value rather than cost. When we get past the misunderstandings above, (excellent smart people doing good work but not best work, without individual next step conclusion at age 6) we will have created a LONG/DEEP new monetary base of Brain Synaptic Closings (monetized units) with real money value based on good, better and best expected observable markers. Outcomes and risk reduction by age 0-6 are evident and in plain sight.

USA VALUES, LLC. did not make up the economics. They work in accordance with basic economic growth and wealth expectations as presented by George Gilder of the Discovery Institute in his writings. His writing match and cover the Big Agenda Plan and the 10 Point Urban Plan all the way through monetary policy. This is an important match up of this literature covering half the population and a politic expecting new opportunity.

*Wealth and Poverty – A New Edition for the 21st

Century, published in 2012 by Regnery Publishing Inc. *Knowledge and Power - The Information Theory of Capitalism and How it is Revolutionizing Our World, published in 2013 by Regnery Publishing Inc. *The Scandal of Money - Why Wall Street Recovers but the Economy Never Does, published in 2016 by Regnery Publishing/Salem Media Group. From this, you will be able to create a new Presidential System of Growth and Prosperity that goes all the way to contributing to the In God We Trust official money system of the nation. Growth, driving prosperity and money into our next 100 years from one major powerful new platform of private sector influence. The private sector would no longer have to worry that urban America never gets a chance to understand growth economics, education, emotions and ethics early enough to make a difference because that is a building block built into being really ready to read. Requirements will become common knowledge.

This is everything needed within the 10,000 school districts in our nation to start the FTFRTFT journey in public and private systems of Pre-K to grade 12. First Things First, Right the First Time (FTFRTFT), One Size Fits One, As Required. Society is a system of dependent events, and outcomes can be constrained or released one-size-fits-one. Demonstrated outcomes, step by step, can be rearranged to remove the bottlenecks and capacity constraints to drastically improve throughputs. Best is private sector business. There are hundreds of ways to say this; but there is only one set of activities that has been demonstrated to be first things first. It now is supported by the science of brain synaptic closings.

Perhaps this is just too simple of an outline of those activities that will prove to be required first things First. This outline for societal growth economics, education, emotions and ethic is about good, better and best. Read chapter 28 of the Absorbent Mind by Maria Montessori written at the end of World War II. I will send it as an email to you if you wish, just ask for it via email. [email protected]

Ben Bernanke proved to the world that the Federal Reserve Banking System (FED) is the strongest

private sector company in the world. It has more money than small case god; It earns 100 billion dollars

per year, or whatever it wants, on a base operation under 5 billion; It started giving interest on excess

reserves (a new asset class that it created) to the primary banks in 2008 and this now is a gift of over 30

billion dollars per year to 35 private sector corporations; It proves everyday it can print monetary policy

money, as needed within its function of monetary policy based on the goals of the elite acting for WE

THE PEOPLE. This is done in a halfhearted spirit of seeking, seeing some but not achieving main street

growth economics, education, emotions and ethic.

The workings in our society has been balancing full employment, inflation and asset value mechanics for

growth “behind the curtain” that we the people do not see. The FED is concerned with the security and

safety of the private sector. To benefit from FED action, we the people must have money in some asset

class. Many in the USA (over 50%) do not have money. The FED is the only private sector company

strong enough (has the Money) to pull our gapped society of private sector individuals out of the ditch

that creates disparities in each and every set of positive expectations for growth economics, education,

emotions, and ethics. Being listed last this actually becomes the first constraint to solve and the gifting

of constraint busting money, sure to reach urban moms with at risk age 0-6 children, matches perfectly

to the monetary policy of the FED for the last 12 years.

Tweets

• Age 0-6 Brain Synaptic Closings are time sensitive and valuable

• Early Education if it is to create special outcomes must be higher and highest quality.

• Good better and best outcomes are a result of higher and highest quality expectations.

• Few if any larger urban school districts are successful representing higher and highest quality.

• There are high quality pre-k deliveries in the juggernaut of outcomes. They are rare in the urban

public sector deliveries and they are often supported directly by parental efforts.

• There are values to be assigned using the present value of positive expectations from Pre-k

(PVofPE-Prek) to good, better and best deliveries.

• The value assigned using PVofPE-Prek can be owned, counted and blockchained regardless of

who paid for the development and created outcome to support the high-quality start of

kindergarten.

• The private sector owns for a private return the purchase of high-quality readiness for

kindergarten. There is a cost of this readiness. There is a market value of this readiness. The

process already exists.

• Private sector ownership versus public sector ownership thinking must include the fatal conceit

of socialism per F.A. Hayek and the Tragedy of the Commons per Garrett Hardin. We must not

cook the geese that lay the Golden Eggs.

• The FED has the power to align good, better and best early education outcomes with private

sector values (money) in innovation of the money systems leading to a change of everything for

urban mother and child in the future.

• The FED has the power to purchase the Federal Education Department for its network to be

aligned to the individual outcome within the ownerships of the private sector.

• There is reporting on precious metal reserves to offset deficits

• There is reporting on federal assets at market value to offset deficits

• There is reporting on private sector values of everything owned at market value to offset deficits

Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered
















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https://www.usa-positive-expectations.com/

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#3 From: [email protected] <[email protected]> Sent: Wednesday, January 29, 2020 12:21 PM To: 'Ombudsman' <[email protected]> Cc: [email protected] Subject: End in Mind 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 have an end in mind, but there are at least 15-20 first things first (FTF) dots to be connected to each other to create the end in mind. It is appropriate to see the dots connected in the private sector under the umbrella of growth economics that require seed capital at the all-inclusive individual levels to create fairness in individual positive expectations. The FED has been unfair in its use of direct monetary policy payments to those who hold financial assets versus those who lack the basics to hold financial assets. The email program of communication to you, the FED, will serve several purposes including seeding your vison with a solution based on FTF NewOldMoney. Gifts for human asset building that you pay for and own where the small costs grow dramatically to a powerful individual market value; plus a block chain of those individual values will overwhelm the deficits created in part by our government’s mis-direction when an elite fights for its use as receipted money. Our goal is to send you 10 million emails in the 10th year of this effort to get you to proudly act as the private sectors bank helping the private sector stand 5-50 times larger than the Federal Government in the eyes of we the people. A best outcome should require less time and effort but… It will take what it takes. Fairness can be subjective, but everyone feels it when it is real and when it generates joy and happiness. A child who is ready to read at age 6 is most joyful and joins mom in a new positive expectation. This outcome requires you to release the constraint on best early learning one- Size-fits-one inside the private sector before the age of 6. You can pay for that (a gift) if you can bail out trillions of financial assets over a couple of years. The financial risk presented by paid mentor deliveries to a motivated mother and child is low. Besides the joy and working toward the goal one-size-fits-one with error correction materials there are technical capabilities to measure early brain synaptic closings of new and extra networkable capacity leading to real FTF opportunity. Today, best is being achieved by too few leaving far too many little brains behind in the real game of equal opportunity and growth. Because this is a FTF constraint, if you pay to change it, it will change everything. The technical Theory of Constraints and application would jump into the education systems of our nation if the kindergarten readiness became significant and widespread. The Goal and the Theory of Constraints can change everything within the present cost demonstrated when real FTF are done right the first time (higher quality). Please consider these more-whole discussions at www.usavaluesII2.com and https://www.usa-positive-expectations.com to be a rough starting statement of potentials requiring more and more work to clarify the private sector’s sustaining outcome of FTF growth education, economics, emotions, ethics and




environment. Most of the 20 dots are discussed in the narrative of the site. This PDF introduction does not use the websites. http://www.usa-positive-expectations.com/support-files/thanksforyourwork.pdf Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered

651-735-3018, C 612-968-1579, [email protected] www.usavaluesII2.com www.usavalues-character.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/ Copyright © 2020 By Thomas D. Wolfgram


and defines a Holy Moment on earth that can be delivered by everyone on earth. While 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.





most basic happiness an individual can have because selflessness generates self-esteem and confidence. Sending of the

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.

#2 attachment from 2nd email USA VALUES, LLC in a 250-word start. Copyright © 2020 By Thomas D. Wolfgram

The news is so full of tort, private and civil wrong, bad faith and breach of an assumed work contract

expecting respect/responsibility/loyalty/honesty/other values/positive human assets, attitude and

attributes that an individual struggles to think and vision a first things first (FTF) remedy in place of our

broad set of ineffective present remedies. A remedy that would be a fearless worthy action for

ourselves and our children. We are so far into a hole of …; it is hard to imagine a path of nationwide

selflessness that could catch a surge of positive expectation and effort to culminate 20-30 years from

now in true equal opportunity for a distinctive 100% of those (+90% of the whole) who want

opportunity based on their individual combination of unconstrained education, economics, emotions

and ethics.

http://www.usa-positive-expectations.com/support-files/thanksforyourwork.pdf

mailto:%[email protected]


http://www.usavalues-character.com/




I am suggesting we put to use the private sector’s self-funded moral obligation to do more; better and

best efforts and outcomes; and fill gaps using market value (MV) of assets created from the beginning of

the civility system – first things first. “Product” cost becomes a non-issue when MV and basic ROI are

considered. Half of our nation already uses market value to consider the outcomes of age 0-6

inputs/results.

The initial product is to promote, target and prompt the FED to reduce the risk for

child and mom, under the present law, who are basically not ready for age 7 public sector development

(education). We are selling knowledge of the private sector risk reduction that only the FED with its

regulatory activity to include Monetary Policy and the Community Reinvestment Act of 1977 is in

position to execute with present powers. The product is knowledge driving underground class action

that triggers a focused NewOldMoney flow creating whole new industries from Banks to Birth

(connection of 16-20 dots in the private sector). Selflessness via paid mentoring from the top to

leverage mother’s love for her child will sustain the changing expectation designed to show an

immediate increase in reserves held by everyone that over 20-30 years will offset the USA Federal

Deficit.

The business plan to do this is partly outlined by the novel’s first 200 pages of The King of Torts by John

Grisham and others to be discussed. It could happen fast because precedence already has the FED

paying interest on “magic” excess reserves to elite banks since 2008 with no fairness in sight.

See the Prayer. Only the Christian’s God can do this because HE is a very big God and selfless with His

grace in a demonstration of recognized life and death consequences every day.

See the Thanks for Your Work Introduction by USA VALUES, LLC.

#2 From: [email protected] <[email protected]> Sent: Thursday, January 16, 2020 11:28 AM To: [email protected] Cc: [email protected] Subject: Protesting Unfair use of Monetary Policy (interest on excess reserves) 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. USA VALUES, LLC Letter of Protest Introduction to the FED. Copyright ©2020 by Thomas D. Wolfgram I have the following complaints to the Federal Reserve System (FED) of policies, regulatory processes, regulatory procedures or other procedures defined under the heading of regulatory activities. The ombudsman practices within the Federal Reserve System of Supervision of the 1) Board of Governors, 2) The Reserve Banks, 3) The Federal Open Market Committee, and 4) The Community Reinvestment Act of

1977 has removed the public listing (notice) of the email addresses for direct communication with the leadership. One complaint is the system’s regulatory activity has made the complaint of a practice MISSING or LACKING FAIRNESS most difficult. The complaints cannot be addressed fairly, or timely, or with emphasis recognizing the distributed sources and number of individual complaints unless the FED allows this email address, [email protected] , to stand for the address of the 19 leaders. By not providing the email addresses of the 19 leaders, the regulatory activity has effectively denied the possible massive discussion at a real level reflecting the truth of First Things First (FTF) fairness when giving the gift of Financial Stability to the private sector. Also, the regulatory activity of the FED is presented as the government’s activity because its internet address is dot gov. This is deceptive and not fairly presented with extreme consequences to the whole private sector’s scope of influence. The private sector has been encouraged to view the FED as the government when it is in fact a private company with a very specific contract with the federal government. The regulatory activity is in the whole deceptive to the many private sector individuals and organizations that would be interested in the fairness of the FED’s ability to gift money and reserves to private sector businesses and public sector organizations that reduce the risk of asset ownership. This deception makes the whole seem more complicated than it is. Real questions of fairness can and have been avoided and the issues remain in the elite shadows rarely reaching the light. This results in misery and despair for certain classes of people and constitutional level happiness (ownership of assets) for other classes of people. This unfairness would become common understanding if a dot com versus a dot gov were used in the internet address. Explanation of the dot com reality starting in high school, college and universities would be a step forward to understanding the private sector to have a 21 trillion dollar GDP with a present value of plus 200 trillion dollars compared to a federal government budget of 4 trillion dollars. It would be initially satisfactory to USA VALUES, LLC if the ombudsman receipted email using [email protected] from any and all individuals mentioning USA VALUES, LLC were counted and categorized as a complaint supported by this email, and the attached introduction to USA VALUES, LLC and many other emails referencing USA VALUES. It is our intention to create a massive sending of this complaint to include more explanation from many distributed email addresses over the unlimited future. The sending will be counted and published by USA VALUES, LLC as part of the process. The sending will, if we work together, not cause a distributed denial of service unless the whole concept goes viral and out of control. That pain could be avoided. It is important that the conduct of this email march is respectful to the FED and its successful operations pointing out that the FED does not go far enough into the light with its private sector power. We wish to point out in the real world of activity processing it is never too late to do first things first, right the first time (FTFRTFT). And, if policies, procedures, activities and regulations do not do real first things first the process of continuous improvement in future years will eventually turn on the negative shortcomings of today’s efforts. The point is misery and despair of the effected classes of society will not be fixed by change without the private sector consideration of first things first to generate good, better and best outcomes of real equal opportunity in daily life starting at age 0-6. So, the FED acting with its contracted private sector power is critical to first things first long-term successful change in a way the government cannot be. Government does not do individual better and best well and in the case of age 0-6 it cannot deliver better than good.



Perhaps the Hong Kong Movement could have been conducted via email with published truth and leverage of the number of email protesters providing the scale of the protest. The scale would never have reached the destruction of property and violence. Of course, it would still be ongoing on a road less traveled. At least that is the hope in the USA for this given it is further on the road less traveled of free speech, emotional intelligence and continuous improvement ruling the inclusion of those most at risk. Wise people will see that true and real opportunity to grow, given real timely influence, even if it requires gifting in the form of an influencing hand-up, is the next first things first step. The private sector FED is all over that space, holds all the cards and is uniquely positioned to build its dollar reserves from such activity. But how long will it take to accept the published truth and leverage the number of emails sent and received. Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered

651-735-3018, C 612-968-1579, [email protected] www.usavaluesII2.com www.usavalues-character.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/ Copyright © 2020 By Thomas D. Wolfgram

Footing to this effort. I pray to God that the email marches sent to the FED are viewed as a private individual’s good

deed representing h/her “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 the 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.


and defines a Holy Moment on earth that can be delivered by everyone on earth. While the ASK above is a 100% top to bottom change to the real life of mom and age 0-6 child we also pray that it is not the only Holy Moment delivered by the letter’s sender. Selflessness and grace will be filled with humility, cooperation, discipline and other fruit of the spirit (page 58) to be prompted by the reading of the book and adoption of its simplicity.







#1 From: [email protected] <[email protected]> Sent: Thursday, January 16, 2020 11:25 AM To: [email protected] Subject: Private Sector Banking Dear Madam or Sir: 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 Federal Reserve Bank is the banker for the private sector’s +21 trillion-dollar GDP; not to be confused those who control the +4 trillion-dollar annual budget; 1 trillion-dollar annual deficit; and the +23 trillion dollar total federal deficit. The +21 trillion-dollar GDP has a present market value 10 times that considering growth factors and risk factors. I consider you to be the (my) private banker at the peak of the private sector and you have high powers to work with the Federal Government at levels that include the President of the United States. I expect you will continue to innovate as the most senior heads of the individual private sector to grow our total system of education, economics, emotions, ethics and environment. This may include ways that are not possible today, but artificial constraints hurt the most at risk and doing away with them first things first will demonstrate best expected emotions and ethics. An unconditional gift to be valued at many times its cost, when done many times over, like only your bank can do, could change everything. We are counting on your fairness to provide opportunity. We are asking you to aim fairness at good, better and best outcomes for all men, women, and children because you have already demonstrated direct power to change lives. Please be intrigued by the concept of better and best delivery from the private sector’s top bank and view this request as a Holy Moment as described by Mathew Kelly in his 2018 book – The Biggest Lie in the History of Christianity. When one visions the end in mind you will be receiving millions of Holy Moments delivered by Christians and others asking you to deliver choice, fairness and freedom. Fairness will timely set up each USA individual with real future work, if desired, pushing and pulling each to happiness. The vision of a first things first understanding of the public service message by those with children and grandchildren at age 6 to be ready or not has already started and your role as the keeper of the constraint (NewOldMoney) is becoming clear. Cheers, you and your Federal Open Market Committee Members (19) are being asked to facilitate the creation within the private sector of NEWOLDMONEY that is designed to develop and create the new processes that change everything. Thomas D. Wolfgram USA VALUES, LLC. Early Reading Skills Delivered

651-735-3018, C 612-968-1579, [email protected] www.usavaluesII2.com www.usavalues-character.com https://twitter.com/tdwusavalues https://www.facebook.com/tomwolfgram.96 https://www.linkedin.com/in/tomwolfgram/







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