Financial Planners

Nsf Bank Fee Apology Letter 5 Steps To Requesting A Refund}

Submitted by: Larry Donaldson

An NSF fee is simply a fee that you pay your bank each time you overdraw your account with a debit card, credit card or check. NSF fees these days at major banks run $30 to $35 per instance. And, the way most overdraft protection programs are set up, you can get dinged with such a fee multiple times in a single day – resulting in $100 or more in charges.

The best thing to do is to avoid putting yourself into a situation whereby you could get charged this type of fee. After all, at least in theory, it should be pretty simple: just don’t make any charges or write any checks when the balance in your checking account won’t cover it.

However, as with most things in life, there is a sizable gap between theory and reality. In practice, on a day-to-day basis, there are a number of things that make it a challenge to always keep proper tabs on one’s checking account balance. For example, the way that many online bank statements display your balance information, it is not always clear which checks or charges have been processed and which have not. Meaning that if you really want to figure out your balance, you need to sit there with a calculator just to do so each and every morning before going shopping.

And don’t depend on your debit card getting rejected at the register as a failsafe way of ensuring you do not overdraw your account. That is because, with most overdraft protection programs, they are set up to actually accept a debit card charge via a merchant even when your balance does not cover the charge! This will result in an automatic NSF fee.

If you have recently had this type of fee assessed to your account, you will want to learn how to write an effective NSF bank fee apology letter in hopes of getting a refund. Here are 5 steps to requesting a refund via letter:

[youtube]http://www.youtube.com/watch?v=ULXdkLQiN2w[/youtube]

1. Get your facts straight:

Any time you are presenting a facts-based case for something, it is a good idea to have the facts straight ahead of time. Go through your bank statement for the day of the NSF transaction and write down details such as merchant name, data of transaction, the before-and-after bank balance, and the amount of the transaction.

2. Get a story together about what happened:

Of course, you will need to remain truthful, but put together into a story or narrative form just how this happened. You want to make sure it does not sound like an excuse, but rather just an explanation.

3. Get into a calm state of mind:

The way you feel when writing a letter will come across in your choice of words and syntax. Be sure to put yourself into a relaxed, non-confrontational state of mind before putting pen to paper.

4. Write a well-punctuated, grammatically-correct letter:

Of course, presentation in these matters is important. Make sure that your letter is well-written, and be sure to proofread for grammar and punctuation.

5. Send it out and await the result:

Make sure that at the closing of your letter you actually ask for a refund – do not just apologize and leave it at that. Then, send out your letter and await a response.

If you follow these 5 steps, you are likely to get a refund for your NSF fee if it is the only one you’ve had within the last year.

Important: whether or not you are able to successfully obtain a refund, you should consider changing banks to one that does not charge overdraft fees – even when you overdraw your account. These banks are out there and they are looking for customers like you – those who are fed up with paying excessive overdraft fees.

About the Author: Find a list of no-overdraft-fee banks in your area at:

No Overdraft Fee Banks

.

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Memorial for toddler who died under care of controversial ‘1 Mind Ministries’ group

Saturday, August 30, 2008

A memorial service was held Friday for Javon Thompson, a toddler that died in Baltimore, Maryland, while under the care of a religious group called “1 Mind Ministries”. Thompson died in late 2006 or early 2007 in an apartment in West Baltimore. According to police statements, members of 1 Mind Ministries refused the boy food and water because he did not say “amen” after group meals. Police say the boy would have been about 19 months old when members of the group stopped feeding him in December 2006.

I loved this baby more than anything in my life.

The Baltimore Sun spoke with Seeta Khadan-Newton, Javon Thompson’s grandmother, at the funeral service which took place at March Funeral Homes in Northwest Baltimore. “I loved this baby more than anything in my life,” she said.

The Baltimore Sun reported that Khadan–Newton told them she had contacted Baltimore’s Division of Social Services at least four times between April and December of 2006 out of worries for Thompson’s wellbeing and location. DSS officials stated that they received only two phone calls, and the complaints about Thompson’s treatment were not enough to look into further.

WJZ-TV reported that “Queen Antoinette”, the 40-year-old leader of 1 Mind Ministries, allegedly concealed Javon Thompson’s body in a blanket and sprayed it with fabric softener to mask the odor before having a member of the group leave the body in a friend’s backyard shed in Philadelphia. According to police, members of 1 Mind Ministries placed Thompson’s remains in a suitcase and took it to Philadelphia in February 2007, where they left it with an elderly friend. Subsequently members of the group moved to Brooklyn, New York. Law enforcement authorities found the suitcase with Thompson’s remains in April 2008.

Ria Ramkissoon, 21, Thompson’s mother, and four others, have been charged with first-degree murder by Baltimore homicide detectives in connection with the boy’s death. The Associated Press reported that police charging documents state that Queen Antoinette instructed her followers to pray for Javon Thompson to be resurrected while he lay dead in the back room of the Baltimore apartment. An informant told police Queen Antoinette left Javon Thompson’s body in the back room of the apartment for over a week, and told her followers: “God was going to raise Javon from the dead”.

The members of this cult, who were more than twice her age, were calling the shots.

Ramkissoon’s mother and her attorney assert that she was brainwashed by the 1 Mind Ministries group and acted under the control of Queen Antoinette. “The members of this cult, who were more than twice her age, were calling the shots,” said Ramkissoon’s attorney Steven Silverman at a court hearing for his client. Inside the group, Ria Ramkissoon referred to herself as “Princess Marie”.

Court documents revealed that 1 Mind Ministries conducted operations in secret, did not believe in medical care and dressed in all-white clothing. Members of the group were referred to as “princes” and “princesses” by Queen Antoinette, also known as Toni Sloan or Toni Ellsberry. Documents also state that they viewed Javon Thompson as a “demon” for not saying “amen” after meals, that they stopped feeding him in December 2006, and did not seek out medical attention when the boy stopped breathing and died.

It fits the profile of a classic cult…

Rick A. Ross of The Ross Institute Internet Archives for the Study of Destructive Cults, Controversial Groups and Movements spoke with the Associated Press about the nature of the 1 Mind Ministries group, and asserted that it meets the definition of a “cult“. Ross has given expert testimony in cases related to controversial groups and has studied them for 26 years. Law enforcement officials also used the term to describe the 1 Mind Ministries group, specifically characterizing it as a “Christian fundamentalist cult”.

“It fits the profile of a classic cult in the sense that it’s a personality-driven group and that Queen Antoinette is that animating personality and central defining element of the group,” said Ross. He compared the group to others where children were killed because they did not follow the instructions of the group. The Ross Institute Internet Archives maintains a page about 1 Mind Ministries, which contains archived news articles, a photo of Queen Antoinette, and links to other resources.

Prosecutors in the murder case have also referred to the 1 Mind Ministries group as a “cult”, and said that members of the group would likely follow Queen Antoinette’s instructions during the trial. In a hearing August 13 where Queen Antoinette and group member Trevia Williams, 21, were denied bail, they both also refused legal representation from Baltimore public defenders, and both declined a preliminary hearing. “Chances are, the cult members are going to do what she tells them to do,” said Baltimore Assistant State’s Attorney David C. Chiu at the court proceeding. Ria Ramkissoon is being held in the psychiatric unit of a city jail in Baltimore, Queen Antoinette, Trevia Williams and group member Marcus Cobbs are also being held in jail in Baltimore, and federal officials in New York from the United States Marshals Service are searching for another member of the group.

This baby died so that they could be exposed.

Rev. Anna V. Nelson spoke to the family at the memorial service in Baltimore, saying: “I would like to think that this boy died for us. This baby has left a message here for the whole world. This baby died so that they [1 Mind Ministries] could be exposed.”

The memorial service ended with a presentation of video clips of Javon Thompson playing, being held by his mother, and finally watching the camera as a female voice says goodbye to him.

Surveyors

Futuristic Most Suitable Specifications}

Submitted by: Prestige Lakeside Habitat

After grand success of Victory Crossroads, Victory Infratech is on its way with a latest housing project in sector 143, Noida extension by the title of Victory Ace. It will be fully outfitted with all current & high class facilities &lifestyle features. So far Victory infratech has provided homes in fully furnished state so now also its house purchasers can expect that Ace would be fully furnished flats. It is a soft launch project offering choice of three bedroom homes. Your dream of a beautiful abode is just ahead & makes it true with the upcoming project Victory Ace launched by Victory Infratech at very strategic location of Sector 143 Express-way Noida. Meeting the highest designing standards, quality amenities & best location Victory Ace is completely ready to provide the competition to other residential projects. With the project you have the choice of three bedroom & four bedroom apartments ranging from 1350 square feet to 2000 square feet.

For Details of Mantri Energia call @ 9035807807

Victory ACE Noida best design & style requirements & high quality facilities is featured with, three bedroom & four bedroom fully loaded flats in an region varying from 1475 to 2295 square feet. with some of the unique requirements that make it outstanding from others residential apartments. This project offering fully packed apartments with modular kitchen/chimney & hob/air condition in all rooms with lights & fans/ designer walls & designed pop on ceiling/vitrified tile flooring in living/dining room/wooden flooring in master bedrooms/clean & tidy colour schemes/designed bathrooms with extra-spacious living areas. It is located at Sector 143 Noida far from the congestion noise of the city & very close accessibility to the main points of the metropolis which includes Global Logic/EXL/India Mart/Met Life/TCS/Accenture/Steris etc.

[youtube]http://www.youtube.com/watch?v=haCqWMPhcFA[/youtube]

For pre launch offer of Mantri Energia call @ 9035807807

Well recognize schools such as DPS/Somerville/Genesis Global/Step by Step/JBM & Shiv Nadar Foundation. Being cut off from howling city traffic, these homes are in perfect rack with the changing lifestyle of 21st century & bestow upon the elderly a peace the person deserve. Apart from this, the investment part plays a main role here for person who wishes to opt for it.

Features: You will be surprised with the most fabulous features of Victory Ace Sector 143 Noida with in very affordable budget. The most astonishing features & specification includes air conditioner in all rooms/Modular kitchens with refrigerator/Built in hob & chimney/Wardrobe in all rooms/Designer walls & designer POP on ceiling/One open/ basement car parking & much more to make you surprise.

Bangalore real-estate ownership titles are quite complicated as there are several users & owners of the land. This makes it difficult to do business as compared to the international real estate. Bangalore was formerly known as Ell ice islands & is located in the South Pacific Ocean. Other islands that are in the neighbourhood of the Bangalore islands are Kiribati, Samoa & Fiji. The real estate in Bangalore is very precious since there is extremely limited land. The total land area that is available for Bangalore real estate is only twenty six square kilometre. This is the combined land area of 9 islands. It has a population of approximately12, 800 which is slightly more than the Bangalore City. The problem with the Bangalore is the size, that is extremely small & secondly the natural forces of sea that are eroding away the island. With a rise of only 8″ 16 inches in the sea levels, the Bangalore islands could be totally wiped out & made inhabitable. Many people have as well as called for the evacuation of the population to Australia & New Zealand & other countries.

For The Bookings of Mantri Energia call @ 9035807807

About the Author: Property Mart is Leading Real estate Consultant in Bangalore Mantri Energia, Mantri Energia Bangalore from past couple of years offering to Book Prestige New Projects in Bangalore. For Booking Call us on: @ +9035807807and Visit Out official site

mantrienergia.com/

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Colleges offering admission to displaced New Orleans students/OH-WY

See the discussion page for instructions on adding schools to this list and for an alphabetically arranged listing of schools.

Due to the damage by Hurricane Katrina and subsequent flooding, a number of colleges and universities in the New Orleans metropolitan area will not be able to hold classes for the fall 2005 semester. It is estimated that 75,000 to 100,000 students have been displaced. [1]. In response, institutions across the United States and Canada are offering late registration for displaced students so that their academic progress is not unduly delayed. Some are offering free or reduced admission to displaced students. At some universities, especially state universities, this offer is limited to residents of the area.

Contents

  • 1 Overview
  • 2 Ohio
  • 3 Oklahoma
  • 4 Oregon
  • 5 Pennsylvania
  • 6 Rhode Island
  • 7 South Carolina
  • 8 South Dakota
  • 9 Tennessee
  • 10 Texas
  • 11 Utah
  • 12 Vermont
  • 13 Virginia
  • 14 Washington
  • 15 West Virginia
  • 16 Wisconsin
  • 17 Wyoming

Beachside photos of New Jersey governor draw criticism, photo-mashups during state budget crisis

Thursday, July 6, 2017

On Sunday, a long-distance snapshot of New Jersey governor and former Republican United States presidential candidate Chris Christie and his family on a beach outside the gubernatorial residence in Island Beach State Park went public, raising criticism of the governor, who had ordered Island Beach and the rest of New Jersey’s state parks closed the previous Friday amid a budget dispute. The response included comments from fellow Republicans and tourists, a plane over Seaside Park, and a variety of memes showing the Governor’s beach chair digitally added to other images.

“[Christie’s] rise to national prominence was that he had this reputation as a fighter, and that when he was fighting he was on the side of the Everyman and the New Jersey taxpayer against the status quo,” Republican political strategist Kevin Madden offered. “I think the danger of the photos is that it undermines that.”

Christie’s lieutenant governor, Kim Guadagno, said, “If I were governor, I sure wouldn’t be sitting on the beach if taxpayers didn’t have access to state beaches. We need to end the shutdown now. It’s hurting small businesses and ordinary New Jerseyans.” Guadagno is planning to run for governor.

One visitor to Atlantic City, New Jersey — Matt Jenkins — told the press, “I think it’s a shame, it’s hideous.”

Regardless of whether they shared Jenkins’ opinion, users of Photoshop and similar programs added the Governor in his beach gear to images of television programs such as Jersey Shore and The Sopranos, movies like Jaws, and one scene from the Oval Office.

On Monday, a plane towed a banner over Seaside Park reading, “Tell Gov Christie: Get the hell off Island Beach State Park,” echoing the Governor’s own words in 2011, in which he told visitors “Get the hell off the beach” as Hurricane Irene approached. The plane received applause from beachgoers.

The dispute that precipitated the shutdown concerned a law letting the New Jersey state government decide how much money the state-founded health insurer Horizon Blue Cross Blue Shield of New Jersey would be allowed to accumulate before being required to contribute to the New Jersey state health fund passed the state Senate but not the House, which is largely made up of Democrats. Governor Christie supported the bill. On Sunday, he told the press he would sign any budget the legislature sent him so long as the bill is passed as well: “If they send it to me with Horizon, I will sign it. If they send it to me without Horizon I will use my authority to make a smaller budget[…] If they send me a budget today the shutdown would be over. The Legislature is deciding not to send me either budget.” The smaller budget that the governor proposed would include less funding for schools and other programs. Late Monday, the state legislature complied with the governor’s stipulations, and Governor Christie signed the bill, reopening the state’s parks in time for the Fourth of July holiday.

Christie enjoyed an approval rating of roughly 70% after his response in 2012 to Hurricane Sandy, but his popularity suffered following a 2016 scandal called Bridgegate, in which some of his aides ordered some of the entry lanes into the George Washington Bridge, a major artery for the commute from New Jersey into New York City, closed during rush hour, possibly as political retaliation against a politician in Fort Lee, New Jersey, the town most potently affected by the closure. He also lost the Republican presidential nomination to now-President Donald Trump and the vice presidential nomination to Mike Pence.

Christie defended his decision not to cancel his family’s vacation plans by pointing out that many of New Jersey’s beaches, over 100 miles (160 km) remained open to visitors and saying that he has the right to use the gubernatorial residence and that his visit required no government services. The Guardian noted a state helicopter shuttled the governor between the park and the state capital, Trenton.

New Jersey is one of several U.S. states that did not have budgets ready for the fiscal year. The northeastern state of Maine also underwent a government shutdown.

Cosmetic Surgery

The Amount Your Braces Will Cost

By Judy Wellsworth

Braces are necessary for fixing any problems you may have with your mouth and are a great thing to have. The unfortunate fact of having braces is that you will need to spend quite a bit of money for them. You can expect to pay amounts in excess of $5000 for a complete mouth full of braces. The cost is a big deterrent to people that need to go to the dentist and this can be devastating to the smile.

The amount that you will have to pay for the braces will be decided by a number of things. The area the orthodontist is located in is a major factor.

You can find an orthodontist in just about anywhere in the world. Each place will charge different amounts for the braces. You can choose the orthodontist by a discount or sale they may be having for braces. You can even find a dentist that will give you more perks to go along with the services they provide. Finding the perfect orthodontist is critical to the care you need for the time you will be wearing the braces. The amount you pay for them will also be affected by the times you will need any adjustments or the type of the braces you require. For more info see http://www.teethbraceshelp.com/Types_Of_Braces/ on Types Of Braces

The Amount It Will Cost For Braces That Are Clear

[youtube]http://www.youtube.com/watch?v=47G54BEaEfY[/youtube]

In the modern world of today, there are more options available to you then just the metal braces. You can now get braces that are clear. The brackets used are transparent and are made from a monocrystalline sapphire compound. This available option is becoming more popular for kids and adults alike because of the fact that they work just as well as the basic braces and are not able to be seen. You can crack a smile and not have to worry about a mouth full of metal showing. You appearance can be saved by the clear braces.

The fact that these braces are so easy and also not easily seen is making them the way to go. They will cost you a little bit more than the regular type made of metal. You can begin to pay about two hundred or more for these particular kinds. The cost is larger for the braces that are only for the front teeth.

Invisalign Braces and the Amount Of Them

There are braces that are made that are commonly known as Invisalign. These are also becoming a popular trend in the dental world. They are great for anyone who does not want to have metal braces put in. the aligner is clear and is almost not able to be seen. The aligners are in the mouth to help the teeth get to the right placement by gently forcing them together. If you do not have a major problem with your teeth, these braces are perfect for you. Professionals in the dental profession also use these for rare cases that are more severe. Anyone who is thinking about the Invisaline braces for mot so major straightening and grouping can be assured that the cost will be about the same as the metal ones. For those that are in a worse condition may pay up to fifty percent more for them.

If you are confused about how you will finance your braces, you can work with the orthodontist about the finer details of proce. An initial consultation is your best bet to make yod how much it will cost.

About the Author: You can also find more info on

Adult Braces

and

Braces Cleaning Kit

. Teethbraceshelp.com is a comprehensive resource to know more teeth braces help.

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Judge orders residents and city to come to agreement on partially collapsed building in Buffalo, New York

Thursday, June 19, 2008

Buffalo, New York — Judge Justice Christopher Burns of the New York State Supreme Court has ordered a halt to an emergency demolition on a 19th century stable and livery on 428-430 Jersey Street in Buffalo, New York that partially collapsed on Wednesday June 11, initially causing at least 15 homes to be evacuated. At least two homes remain evacuated.

Burns orders that both the city and the group Save The Livery (www.savethelivery.com) have to come to an agreement on what to do with the building, and try to work out ways of saving at least some portions if it including the facade, side walls and a lift tower. Save The Livery is comprised of concerned area residents who have grown to love the building’s historic and unique character. On June 14, they won a temporary restraining order to stop demolition. The court ruled that the city was only allowed to remove material in immediate danger to residents and pedestrians, but stated that the demolition could only be performed with “hand tools.” The court also ordered that any rubble which had fallen into neighboring yards when the building collapsed, to be removed.

“It is in the interest of the city to have a safe environment–but also important to maintain a sense of historical preservation,” stated Burns in his ruling. Burns has given the sides until tomorrow (Friday June 20) to come to an agreement and has ordered both parties to return to court at 9:30 a.m. (eastern time) “sharp.” Activists of Save The Livery urge supporters of the stable to “fill the courtroom” to show “continued and ongoing support.” The hearing is scheduled to take place at 25 Delaware Avenue in the Supreme Court building, 3rd Floor, trial part 19.

Currently the building is owned by Bob Freudenheim who has several building violations against him because of the buildings poor condition. He has received at least five violations in three months and residents who live near the building state that Freudenheim should be “100% responsible” for his actions. Many are afraid that if the building is demolished, Freudenheim’s charges of neglect will be abolished.

On June 17, developer and CEO of Savarino Companies, Sam Savarino was at the site of the stable, discussing the building with residents and preservationists. In 2006, Savarino proposed and planned The Elmwood Village Hotel, a ‘botique’ hotel on the Southeast corner of Elmwood and Forest Avenues. The project was later withdrawn after residents filed a lawsuit against Savarino and the city. Wikinews extensively covered the story, and contacted Savarino for his professional opinion on the building.

“[I would] love to see it preserved. I was there to see if there was anything we could do to help, to see if anything can be salvaged. I just want to see the right thing happen, and so does the city,” stated Savarino to Wikinews who added that he was allowed inside the building for a brief period.

“The side walls are beyond repair. The roof has rotted and it could come down at any time,” added Savarino who also said that the building “below the second floor appears to be stable.” He also states that the back wall of the building, which borders several homes, appears to be intact.

“Eliminating the back wall could be a problem for the neighbors. It is not unreasonable to leave at least 12 feet” of the back wall standing, added Savarino.

Savarino did not say if he was interested in buying the property, but did state, “I am sure there are a couple of people interested” in buying the property. On Thursday, Buffalo News reported that a “businessman” might be interested in purchasing the property, though Wikinews is not able to independently confirm the report. Savarino says that with the property still slated for emergency demolition, a potential buyer could face tax fees of nearly US$300,000.

Freudenheim gave the city permission to demolish the building on Thursday June 12 during an emergency Preservation Board meeting, because he would not be “rehabilitating the building anytime soon.” Freudenheim, along with his wife Nina, were part-owners of the Hotel Lenox at 140 North Street in Buffalo and were advocates to stop the Elmwood Village Hotel. They also financially supported a lawsuit in an attempt to stop the hotel from being built. Though it is not known exactly how long Freudenheim has owned the stable, Wikinews has learned that he was the owner while fighting to stop the hotel from being built. Residents say that he has been the owner for at least 22 years.

The building was first owned by a company called White Bros. and was used as a stable for a farm which once covered the land around the building for several blocks. The Buffalo Fire Department believes the building was built around 1814, while the city property database states it was built in 1870. Servants and workers of the farm were housed inside resident quarters situated at the rear of the building on what is now Summer Street, but are now cottages where area residents currently reside. Some date as far back as 1829.

At about 1950, the stable was converted into an automobile body shop and gasoline station.A property record search showed that in 1950 at least four fuel storage tanks were installed on the property. Two are listed as 550 square feet while the other two are 2,000 square feet. All of the tanks are designated as a TK4, which New York State says is used for “below ground horizontal bulk fuel storage.” The cost of installing a tank of that nature according to the state, at that time, included the tank itself, “excavation and backfill,” but did not include “the piping, ballast, or hold-down slab orring.” It is not known if the tanks are still on the property, but residents are concerned the city was not taking the precautions to find out.

UK company “seriously considering” GPS tracking devices in school uniforms

Saturday, August 25, 2007

The leading supplier of school uniforms in the United Kingdom, Lancashire-based manufacturer Trutex, has announced it is “seriously considering” including GPS tracking devices in future ranges of its uniform products after conducting an online survey of both parents and children.

“As a direct result of the survey, we are now seriously considering incorporating a [tracking] device into future ranges” said Trutex marketing director Clare Rix.

The survey questioned 809 parents and 444 children aged nine to 16. It showed that 44% of parents were worried about the safety of pre-teen children, and 59% wanted tracking devices installed in school apparel. 39% of children aged nine to 12 were prepared to wear clothing with tracking devices in them, while teenagers were notably less enthusiastic and more wary of what Trutex has admitted they see as a “big brother” concept.

However, Trutex has claimed the tracking devices would bring about worthwhile benefits, including being a valuable resource for parents who wanted to keep a close eye on where their children were at all times.

“As well as being a safety net for parents, there could be real benefits for schools who could keep a closer track on the whereabouts of their pupils, potentially reducing truancy levels” says Rix.

Each year, Trutex supplies 1 million blouses, 1.1 million shirts, 250,000 pairs of trousers, 20,000 blazers, 60,000 skirts and 110,000 pieces of knitwear to the UK.

It is not the first company to manufacture school uniforms with a central focus on child safety; last week Essex firm BladeRunner revealed it was selling stab-proof school blazers to parents concerned about violence against their children. The blazers were outfitted with Kevlar, a synthetic fibre used in body armour. It has already received orders internationally, including Australia.

If the Trutex tracking devices go ahead, it is unclear where in the uniform they will be located.

Denny’s Super Bowl free ‘Grand Slam Breakfast’ brings 2 million diners

Friday, February 6, 2009

Denny’s 1,600 chain restaurants across North America, Puerto Rico and Canada, were slammed for eight hours Tuesday with hungry patrons standing on sidewalks for nearly two hours to take advantage of the $5.99 “Grand Slam Breakfast” giveaway.

Denny’s, a dining chain with annual revenue of about $900 million, has advertised in a TV commercial Sunday during the Super Bowl XLIII that it would give away its signature breakfast from 6 a.m. until 2 p.m. local time Tuesday, at all its restaurants in the U.S., Canada and Puerto Rico, while supplies lasted.

Denny’s Diner has promoted the iconic dish giveaway heavily, with a bold 30-second appeal ad that aired during the third quarter of the Super Bowl 43 on Sunday, plus another 15-second ad during the post-game show, offering a free breakfast to some 90 million viewers. In addition, it has placed a full-page ad in USA Today‘s Monday edition. The promotion was further announced on The Today Show and notices were also sent out to the chain’s “Denny’s Breakfast Club” members.

The NBC ad, which was bought to unveil a new promotion for customers squeezed by the recession, may have cost as much as $3 million, said Nelson Marchioli, CEO of Denny’s Corp. Super Bowl XLIII’s 30-second commercial time slot costs $2.4 million–$3 million for the airtime alone, excluding production and talent costs.

The game was televised live by the US NBC Sunday Night Football and Canada’s CTV Television Network. BayTSP has reported that, “as of 10 a.m. Wednesday, commercials that initially aired during NBC’s Super Bowl XLIII broadcast subsequently had been watched online more than 28 million times.”

“The promotion has a total cost of $5 million U.S., which includes $3 million for the commercial on NBC,” said a Denny’s spokesman, noting also that the company received about $50 million in news coverage, most of which was positive. According to a Denny’s representative, two million people walked through the restaurant chains’ doors Tuesday, and each Denny’s restaurant served an average of 130 Grand Slams per hour.

With the “Denny’s Feeds America” promotion, the company has reported 14 million hits on its Web site between Sunday night and Monday morning. Denny’s shares rose 6 cents, or 3.1 percent, to $1.98 in afternoon trading. The stock has traded in a range of $1.18 to $4.10 over the past 52 weeks.

“Denny’s free Grand Slam” has ranked in the top 10 Google searches early Tuesday and fell to No. 18 by the end of the promotion, while “denny s locations” was #9 on Google Trends, which tracks fast-rising searches. It has also held spots No. 1 (Denny’s) and 7 (Grand Slam) on Twitter‘s trending topics. It has generated much chat on Twitter, garnering 1,700 tweets on Tuesday, compared with its average of 59. Doritos, winner of the USA TODAY survey for best Super Bowl spot ad, had 933 mentions after reaching a peak of almost 3,300.

The idea of the TV ad was to get people to come in and re-evaluate Denny’s Diner. “A lot of people have forgotten what Denny’s is, or they think they know, while we’ve come out with a whole lot of new products. We felt like we needed to jump start the brand,” Denny’s Chief Marketing and Innovation Officer Mark Chmiel said.

“We’re celebrating the Grand Slam this year,” Chmiel said. According to the company’s financial data, on January 15 Denny’s reported systemwide comparable-store sales for the fourth quarter were down 6.1 percent, compared to a 0.2 percent decline from the same period in 2007.

According to Robert Gonzalez, public relations company Hill & Knowlton spokesman, Denny’s has expected at least 2 million people to eat a free Grand Slam by the end of the promotion. “Every restaurant is packed with people and lines,” Gonzalez said. “Everything today is about fast. People are on the go, and they’re eating fast food. It’s cutting into sit-down dining,” he added.

“Each of the more than 1,500 Denny’s were planning to make about 100 Grand Slams an hour,” Denny’s spokeswoman Cori Rice said. It had predicted it will have served about 1,400 people per location, more than five times the normal volume. “Grand Slam Breakfast” is a four-item option on its menu, consisting of two pancakes, two eggs, two strips of bacon and two sausage links. It weighs in at 44 grams of fat, 56 carbohydrates and 770 calories.

Nationwide, Denny’s expected to sell about 2 million Grand Slams — about 15 percent of the annual tally. According to Mark Chmiel, chief marketing operator and executive vice president, the diner chain has reported approximately 2 million meals worth more than $12 million were given away nationwide and each Denny’s restaurant served an average of 130 Grand Slams per hour. It estimated it has earned about $50 million worth of public relations following the free Grand Slam campaign, Chmiel said.

The company is also experimenting with a Grand Slam Burrito and also has introduced for this year, a Grand Slamwich, which includes eggs, bacon, sausage and cheese between two slices of bread, with a teaspoon serving. “It already has shown strong consumer appeal,” said Chmiel. The company has received flood of e-mails and letters proving the positive impact of the Grand Slam campaign and commercials on its customers.

Chmiel also announced he’s planning a third major promotion in this year’s third quarter, which happens to include another major sporting event, the World Series. “That’s one we’re definitely looking at,” he said.

Jobless Paris Winslow of downtown San Francisco, California has joined the long line which stretched from the front door on Mission Street, between Fourth and Fifth streets, to the corner of Fourth and up the block. “The economy is getting kind of scary. This line looks like those pictures of soup kitchen lines during the 1929 Great Depression,” Winslow said.

“I came all the way from San Francisco for a free $6 meal, Isn’t that pathetic? A year ago, I never would have done this. These days I’m willing to put my ego on the back burner,” said Stephen Weller, a jobless contractor who waited with his dog, Emmett. California Denny’s restaurant managers have issued rain checks (for free chilled meals, as security backed by actual bacon) to anyone who failed to get in by the 2 p.m. deadline.

A big eater could also “Slam It Up” by adding any two additional items for 99 cents each to their meal. Customers on Tuesday were also handed “bounceback” coupon books that include offers for additional free menu items with purchases. Chicago Tribune reporter Kevin Pang has eaten five free Grand Slams on Tuesday at five different Denny’s Diners in four hours. He claims to have consumed 4,100 calories at Harwood Heights, 5:36 a.m, at Schiller Park, 6:22 a.m., at Franklin Park, 7:08 a.m., at Melrose Park, 7:41 a.m. and at Grand Slam No. 5 Oak Park, 8:57 a.m.

“The Grand Slam has always been a Denny’s favorite. This free offer is our way of reacquainting America with Denny’s real breakfast and with the Denny’s brand,” Denny’s CEO Nelson Marchioli said in a statement. In 1977s, the Grand Slam started as a baseball-related promotion in Atlanta, Georgia. Its normal price averages around $5.99. Marchioli said the event was also a way to kick-off its “Year of the Grand Slam” promotion. Denny’s claimed it has sold 12.5 million Grand Slams a year.

“The economy’s tough and people are jumping all the way to fast food to try to figure it out. We all use fast food, whether it’s for time or convenience or for money. But you can go to Denny’s and you don’t have to give up a real breakfast and that was the whole focus of our commercial,” Marchioli explained. McDonald’s (MCD, Fortune 500) has done well during this economic meltdown since the global recession pushes people toward less expensive dining options.

McDonald’s has announced plans Wednesday to open 175 new restaurants in China this year despite the global economic crisis, thereby increasing the number of outlets in China by 17 percent, from 1,050 currently. Last month, McDonald’s 2008 net profit has risen 80 percent from 2007 to 4.3 billion dollars.

Marchioli has also introduced Denny’s $4 Weekday Express Slam, which is a streamlined version of the Grand Slam. “I want to take back share. For too long, we have allowed others to take share, whether it was Starbucks or McDonald’s. They’re fine competitors and I don’t expect to take all their business from them, but I’d like a little bit back,” Marchioli noted.

According to Rafi Mohammed, author of “The Art of Pricing,” people love free. “It triggers a Pavlovian response in people,” said Mohammed. If Pavlov’s dogs salivate when a bell rings, Denny’s free Grand Slam breakfast has attracted 2 million hungry customers. “I believe free maximizes trial and doesn’t devalue a product as long as it is a rare event. Aside from the cost, the major downside is that it attracts customers who truly have no intention of coming back,” he added.

According to University of Portland consumer psychology professor Deana Julka, people flock to free promotions amid just a few dollars saving because there’s nothing in life for free. “So when there’s something out there that costs nothing, it creates a psychological rush. Especially in these times when people feel overtaxed or overburden, there’s an internal reward people feel by getting something for free,” she said. “It’s being thrifty and feeling like you beat the system. Free really hits the spot for a lot of people,” Julka added.

“Free is an emotional hot button. When free is concerned, there is no downside – or, at least, we don’t see the downside immediately. So we overvalue everything that is free. People love free stuff, particularly when money’s tight,” said Dan Ariely, a business professor at Duke University, author of “Predictably Irrational: The Hidden Forces That Shape Our Decisions.”

Experts, however, explained these moves need to be done sparingly, since giveaways can teeter in the balance between desperation and a well designed marketing ploy. “Giving your product away for free is not worth it because it undermines your brand value,” said branding expert Rob Frankel, saying people are attached to the idea of it being free, than the actual product itself.

Free giveaways are not anything new in the food industry. “It just feels good when you can get something for free and not have to worry about it coming out of your wallet,” Frankel noted. Dunkin’ Donuts and Panera Bread all have had free coffee and food promos last year. “In November, Starbucks gave away free cup of coffee to anyone who came in on Election Day. Have you taken a look at how Starbucks is doing now?” Last week it has announced it would shut down 300 stores, in addition to the 600 it already planned to close.

On February 24, IHOP will be offering a free shortstack to every customer to encourage donations (in place of the cost) for Childrens Miracle Network. The International House of Pancakes (IHOP) is a United States-based restaurant chain that specializes in breakfast foods and is owned by DineEquity. The chain had more than 1950 restaurants in all 50 states, the U.S. Virgin Islands, Canada and Mexico. Since 2006, IHOP’s National Pancake Day celebration has raised over $1.85 million. In 2008, over 1.5 million pancakes (12 miles high if they were stacked) were given to customers for donations.

Denny’s (“Denny’s Diner”) is a full-service diner/family restaurant chain in the United States. It operates over 2,500 restaurants in the United States (including Puerto Rico), Canada, Curaçao, Costa Rica, El Salvador, Jamaica, Japan, Mexico, and New Zealand). The resto chain is known for always being open, serving breakfast, lunch, dinner, and dessert around the clock.

Today, Denny’s operates about 1,600 restaurants in all 50 U.S. states, Canada and Mexico. There are also about 578 Denny’s restaurants in Japan operated under a license by a subsidiary of Seven & I Holdings, seven Denny’s locations in New Zealand, and approximately 38 Denny’s diners in the United States. Denny’s headquarters is now located in Spartanburg, South Carolina, headquarters of the parent company Trans World Corporation that acquired Denny’s in 1987.

Denny’s was historically notable for offering a free meal to anyone on their birthday. The offer included a limited number of meal options from a special birthday menu. The promotional ritual ceased in 1993, though occasionally individual franchises will continue the tradition.

In 2008, Denny’s has ceased to be in the ranks among the top diner chains in the $83 billion breakfast market, whose top five firms — McDonald’s, Starbucks, Dunkin’ Donuts, Burger King and IHOP — accounted for 22 percent of the volume. “A lot of consumers have written Denny’s off their let’s-go-there list,” said Ron Paul, president of Technomic, a consulting firm.

Super Bowl XLIII was an American football game between the American Football Conference champion Pittsburgh Steelers (15–4) and the National Football Conference champion Arizona Cardinals (12–8) to decide the National Football League (NFL) champion for the 2008 NFL season. It was played on February 1, 2009, at Raymond James Stadiumin Tampa, Florida. It has an attendance of 70,774 and 98.7 million viewers. Pittsburgh earned its sixth Super Bowl win, thus securing sole possession of the record for most Super Bowl wins.