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DansDeals Forum => General Discussion => Topic started by: mwachsler on November 03, 2010, 03:09:14 PM

Title: My Harvest America $300 for only $255 per month
Post by: mwachsler on November 03, 2010, 03:09:14 PM
Anyone hear of www.MyHarvestAmerica.com? I was wondering if it's a scam. You can get $300 prepaid debit card for only $255. Did anybody out there here about it or sign up for it? I want to if anyone had any problems with them. I already took the chance and signed up for it. I figured, if it's a scam, I'll just dispute the charge. So far it's great and really worth it. If you want to sign up, let me know, I'll tell you how. First just check out the sight and google it for scams. (I didn't find any scam report on it, let me know if you do) BTW, on a side note, you can also make money by signing up people under your account. Sounds sketchy....until my brother got his check!! (I'm waitng for mine too)
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on November 03, 2010, 03:15:21 PM
http://en.wikipedia.org/wiki/Pyramid_scheme
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on November 03, 2010, 03:49:53 PM
http://en.wikipedia.org/wiki/Pyramid_scheme

No. No. This one is legit. It's an MLM :D

*ducks*
Title: Where are all the Millionares?
Post by: damaxer91 on December 15, 2010, 05:57:39 AM
Since WorldVentures hit Israel a few months ago, i have been hearing non-stop about the easy opportunity (to scam your best friends) and make millions, though I have yet to see the Bentley's and bling rolling around J-Town. Can anyone confirm that they are hitting the jackpot with this?
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 15, 2010, 07:09:40 AM
I just tried to use their travel site. i needed to enter an agent name, so i just guessed one: http://alex.rovia.com

I find it more expensive than regular....
Title: Re: Where are all the Millionares?
Post by: chuchem on December 15, 2010, 08:46:32 AM
I made a couple of millions, but dont drive around with my bentley to much traffic. My chopper is great
Title: Re: Where are all the Millionares?
Post by: ChAiM'l on December 15, 2010, 10:04:30 AM
You don't see them because they're too busy taking their "free vacations"... What? You also want free vacations? Just watch this half hour video... Doesn't sound possible? I also said that at first! MLM!? No! This isn't like other pyramid schemes, it REALLY works!!!
Title: Re: Where are all the Millionares?
Post by: Dan on December 15, 2010, 11:09:49 AM
You don't see them because they're too busy taking their "free vacations"... What? You also want free vacations? Just watch this half hour video... Doesn't sound possible? I also said that at first! MLM!? No! This isn't like other pyramid schemes, it REALLY works!!!
And Bernie's original investors also really got huge returns.
What's your point?
Title: Re: Where are all the Millionares?
Post by: ChAiM'l on December 15, 2010, 11:37:30 AM
And Bernie's original investors also really got huge returns.
What's your point?

I should've written that I was joking. Although, that was basically the gist of a conversation that I had with a friend recently (who's phonecalls I will be avoiding now)....
Title: Re: Where are all the Millionares?
Post by: Dan on December 15, 2010, 11:44:09 AM
I should've written that I was joking. Although, that was basically the gist of a conversation that I had with a friend recently (who's phonecalls I will be avoiding now)....
Gotcha.
Your post was just missing the requisite wink then :)
Title: Re: Where are all the Millionares?
Post by: Chaikel on December 15, 2010, 12:57:03 PM
-MLM/Pyramid Scheme discussion is not allowed.
Please ban members violating rules
And Bernie's original investors also really got huge returns.
What's your point?
...oh, and ;)
Title: Re: Where are all the Millionares?
Post by: aussiebochur on December 16, 2010, 06:26:55 AM
Since WorldVentures hit Israel a few months ago, i have been hearing non-stop about the easy opportunity (to scam your best friends) and make millions, though I have yet to see the Bentley's and bling rolling around J-Town. Can anyone confirm that they are hitting the jackpot with this?
You dont see them because you're too busy really taking those vacations ;)
Title: Re: Where are all the Millionares?
Post by: damaxer91 on December 16, 2010, 06:36:30 AM
My favorite one so far has been "I can stay in a 5 star hotel in Tiverya for 3 nights for $150". Problem is that there are no 3 or 4 star hotels in Tiverya, let alone 5 star!
Title: Re: Where are all the Millionares?
Post by: Eli on December 20, 2010, 10:08:11 AM
I just tried to use their travel site. i needed to enter an agent name, so i just guessed one: http://alex.rovia.com

I find it more expensive than regular....
SF, I don't believe self promotion is allowed on the forums. You are posting your own rovia account for people to use? Not very ethical unless you are straight up about it.
Title: Re: Where are all the Millionares?
Post by: Eli on December 20, 2010, 10:12:36 AM
I'm pissed because yesterday I heard they are targeting young kids in American Yeshivos who will take $400 of their parents hard earned money and spend it on this with the belief that they will be rolling in the dough very soon. After all, "all they have to do" is find 4 friends who will sign up and then it's free for life for them! (Of course those 4 friends have to each find four friends or keep paying the $60 a month, otherwise it no longer becomes free for the top guy.)

Bottom line, Simcha and Rachel who seemingly have brought this in to Israel should be very wary of what they are doing to the Chareidim and should realize quickly that it is begeder genaiva - probably geneivas da'as at the very least.

To answer the OP...I did see someone rolling around in a Mazda 6 Premium. Maybe he made a ton in WV.
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 20, 2010, 11:05:24 AM
no, he got upgraded.
Title: Re: Where are all the Millionares?
Post by: AsherO on December 20, 2010, 12:17:38 PM
SF, I don't believe self promotion is allowed on the forums. You are posting your own rovia account for people to use? Not very ethical unless you are straight up about it.

Are you saying that's SF's real name? Exposed! Quick, call wikileaks...

Regarding the topic, isn't MLM discussion against the rules?
Title: Re: Where are all the Millionares?
Post by: damaxer91 on December 20, 2010, 12:21:59 PM
Regarding the topic, isn't MLM discussion against the rules?
MLM, Who said anything about that? We are talking about an easy method to get rich very quickly!
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 20, 2010, 12:27:44 PM
Damax, let's escape quickly before this IQ-killing bacteria affects us also.
Title: Re: Where are all the Millionares?
Post by: Eli on December 20, 2010, 02:07:30 PM
Are you saying that's SF's real name? Exposed! Quick, call wikileaks...
Pretty close to it. Enough for me to know it was self-promotion. It's amazing what 3 letters can do.
Title: Re: Where are all the Millionares?
Post by: aussiebochur on December 20, 2010, 02:23:35 PM
Pretty close to it. Enough for me to know it was self-promotion. It's amazing what 3 letters can do.
It's actually 4 but I'm sure if it said http://eli.rovia.com we would all know...
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 20, 2010, 04:57:57 PM
When going on this rovia thing, you have to give a name, or you don't pass. I though any name such as eli alex david would work.

my first shot was correct.

until damax mentioned it, I had never heard of it.

israeli mlm are by me still holding by omega3. that was my latest update before this one.
Title: Re: Where are all the Millionares?
Post by: Eli on December 21, 2010, 05:56:40 AM
So how do you explain the fact that alex.rovia.com just so happens to sound all too similar to a name some of us know?
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 21, 2010, 07:59:27 AM
So how do you explain the fact that alex.rovia.com just so happens to sound all too similar to a name some of us know?

what about http://eli.rovia.com http://david.rovia.com http://dan.rovia.com http://moses.rovia.com 

I happen to have guesses a name that I'm familiar with.

If I could get paid by them using a fake last name, why wouldn't I change the first name also??



Title: Re: Where are all the Millionares?
Post by: chuchem on December 21, 2010, 08:07:02 AM
Kids, u both have eachother on BBM, so fight it out over there. :-) :-)
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 21, 2010, 08:42:55 AM
Kids, u both have eachother on BBM, so fight it out over there. :-) :-)

You are one chuchem...
Title: Re: Where are all the Millionares?
Post by: Eli on December 21, 2010, 05:11:09 PM
what about http://eli.rovia.com http://david.rovia.com http://dan.rovia.com http://moses.rovia.com 
If dan.rovia.com had the name "Daniel Wolellef" then I would assume that it belongs to Dan, like I did when I saw the name on alex.rovia.com.

Pretty simple SF, I'm not quite sure why you are not getting it.
Title: Re: Where are all the Millionares?
Post by: SuperFlyer on December 21, 2010, 05:40:26 PM
If dan.rovia.com had the name "Daniel Wolellef" then I would assume that it belongs to Dan, like I did when I saw the name on alex.rovia.com.

Pretty simple SF, I'm not quite sure why you are not getting it.

I get that you thought that, but now that Im telling you that its not me, drop it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 06, 2011, 09:46:22 AM
any update on this?  even if its MLM still can make money getting giftcards--?  I know people making a lot of money doing that, even if they lose out on the MLM part..........?!
Title: Re: My Harvest America $300 for only $255 per month
Post by: elikay on January 06, 2011, 09:59:29 AM
I believe I've  said this here before: I will not give my money to a company which I don't know how they are making money. In the end they'll make money off me, somehow.
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 06, 2011, 11:58:23 AM
any update on this?  even if its MLM still can make money getting giftcards--?  I know people making a lot of money doing that, even if they lose out on the MLM part..........?!

How about you TOFTT and sign up, if you get a debit card you can refer us too, maybe you'll get something on the MLM side too.

I'm not risking $255 with a business whose business model is designed around exploiting people (MLMs).

I believe I've  said this here before: I will not give my money to a company which I don't know how they are making money. In the end they'll make money off me, somehow.

I like how you put it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 06, 2011, 02:15:54 PM
I dont get it   fact is many people are making money on this..........
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 06, 2011, 02:26:59 PM
I dont get it   fact is many people are making money on this..........

If you're so confident, go for it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on January 06, 2011, 03:51:45 PM
I dont get it   fact is many people are making money on this..........
The fact is Madoff (and many of the original folks who "invested" in his business) made money too, no?
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on January 06, 2011, 04:33:25 PM
I dont get it   fact is many people are making money on this..........
Many ppl make money from MLMs, all it takes is a little sales person personality, and willingness to lose all your friends.
By nature, a pyramid scam runs out of ppl to recruit, so even if you fill your quota, and the ppl you recruit fill their quota, eventually, some poor yid will be stuck holding the bag (unless you're steering clear of yidden, which I haven't seen)

If your primary goal in life is to make money (and I don't mean you personally), and you don't care how, or at who's expense, go right ahead.

Basically what Dan said with more words
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on January 06, 2011, 04:47:53 PM
Many ppl make money from MLMs, all it takes is a little sales person personality, and willingness to lose all your friends.
By nature, a pyramid scam runs out of ppl to recruit, so even if you fill your quota, and the ppl you recruit fill their quota, eventually, some poor yid will be stuck holding the bag (unless you're steering clear of yidden, which I haven't seen)

If your primary goal in life is to make money (and I don't mean you personally), and you don't care how, or at who's expense, go right ahead.

Basically what Dan said with more words
Well put.  Everyone I know involved in these things does indeed lose all their friends.  When people start avoiding you at all costs you'll have to ask yourself if it was worth it.

Just personally I've turned down thousands of dollars in ad revenue by refusing (and yes, folks email me on a daily basis) to advertise this deal on the main site.
So I do have some principles. :)
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 06, 2011, 04:53:53 PM
Just personally I've turned down thousands of dollars in ad revenue by refusing (and yes, folks email me on a daily basis) to advertise this deal on the main site.
So I do have some principles. :)

Much appreciated. I'm always hoping the advertising on the main-site gets better. My favorite (and most legit IMO) advertiser is GlobalTours.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 06, 2011, 07:26:02 PM
but whats the risk in buying the $300 giftcards @ $225??? who are you hurting?
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 06, 2011, 07:27:49 PM
but whats the risk in buying the $300 giftcards @ $225??? who are you hurting?

You asked for our opinion, we gave it to you.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 06, 2011, 07:29:20 PM
you explained why mlm is wrong (which is obvious)......... not the gift card part
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 06, 2011, 07:37:06 PM
You asked for our opinion, we gave it to you.

I actually answered twice:

How about you TOFTT and sign up, if you get a debit card you can refer us too, maybe you'll get something on the MLM side too.

If you're so confident, go for it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 07, 2011, 12:58:12 AM
and i answered that i know people that have gotten giftcards..............
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 07, 2011, 01:03:39 AM
and i answered that i know people that have gotten giftcards..............

So, go for it.

You offered, we're not interested.

You don't agree with our reasoning, so let's just agree to disagree. End of discussion.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 07, 2011, 01:08:48 AM
dude u didnt have "reasoning" u just dared me to do it........and i told u that i know people that have

i didnt offer anything--i wanted to know whats the real deal on this...  no such thing as free money
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 07, 2011, 01:10:20 AM
dude u didnt have "reasoning" u just dared me to do it........and i told u that i know people that have

i didnt offer anything--i wanted to know whats the real deal on this...  no such thing as free money

We (Dan, Chaikel, and I) did have reasoning - MLM. End of discussion. I'll let someone else spell this out if they think it's worth the effort.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 07, 2011, 02:17:30 AM
let me clarify again i am not referring to the MLM aspect of this--i am referring to the discounted gift card aspect...!
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 07, 2011, 02:19:30 AM
I believe I've  said this here before: I will not give my money to a company which I don't know how they are making money. In the end they'll make money off me, somehow.
so your just not doing offers like this because ur afraid of losing a few dollars...good enough reason  but if you knew people actually making money would u join?
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on January 07, 2011, 02:22:07 AM
so your just not doing offers like this because ur afraid of losing a few dollars...good enough reason  but if you knew people actually making money would u join?
Would you have "invested" money in Madoff after you saw others making tons of money?

Article worth reading:
http://www.chicagotribune.com/business/ct-ap-madoff-clawback-dupe,0,7165580.story
Even the one that made $7B in the Madoff scam had to give it back.

I don't put money into shady things and this is as shady as it gets.

Pyramids/Ponzis/MLM call it whatever you want it's always the same business model and it winds up hurting many gullible folks.  I want no part of it which is why I took a stand against it and have turned down tons of good money in order to save more people from going down a sorry road.

http://en.wikipedia.org/wiki/Pyramid_scheme
http://en.wikipedia.org/wiki/Multi_level_marketing 
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 07, 2011, 02:48:34 AM
dan i respect your opinion  my comment wasnt directed towards you..

but dan - is that you dont want anything to do with the company - even the the part thats not mlm ?
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on January 07, 2011, 03:04:33 AM
but dan - is that you dont want anything to do with the company - even the the part thats not mlm ?
Back to my analogy.
If Madoff also sold dollar coins at half price would you involved in such a business? It's obviously just a ploy to make the business look "legitimate."  After all you need to sell a product!

But ultimately what pays the bills is the continued recruiting of new suckers.  Once the suckers have run out the whole thing collapses.
Title: Re: My Harvest America $300 for only $255 per month
Post by: elikay on January 07, 2011, 03:55:08 AM
I'm not sure what you don't understand. I have done similar offers in the past, but there I knew exactly how they were making money (signing up people to recurring payments on a CC and not really telling them) so I knew what to watch out for. Here, who knows? I told my reasoning to one of the pyramid bricks and he told me that he would look into it. He gets back to me and tells me that they make money from the online shopping they (used to?) have. I told him that I don't think that's enough to cover it all, so I'm not getting involved.
Title: Re: My Harvest America $300 for only $255 per month
Post by: moe on January 07, 2011, 09:19:02 AM
Back to my analogy.
If Madoff also sold dollar coins at half price would you involved in such a business? It's obviously just a ploy to make the business look "legitimate."  After all you need to sell a product!

But ultimately what pays the bills is the continued recruiting of new suckers.  Once the suckers have run out the whole thing collapses.
+1 this is the best explanation imo.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Jay the PRESIDENT on January 07, 2011, 01:11:26 PM
so to sum it up we got reasons not to do this:
1) (asher0) afraid wont work-too good to be true
2)(elikay) since dont know how it works dont get involved
3)(dan) dont get involved with company that ends up taking advantage of other people-basically a moral-ethical thing
Title: Re: My Harvest America $300 for only $255 per month
Post by: elikay on January 07, 2011, 02:48:11 PM
http://www.articlesnatch.com/Article/My-Harvest-America-Will-Fail/909207
I'm sure there are many more links.
Title: Re: My Harvest America $300 for only $255 per month
Post by: elikay on January 07, 2011, 02:50:18 PM
http://hubpages.com/hub/My-Harvest-America-Review
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on January 08, 2011, 05:18:44 AM
http://www.articlesnatch.com/Article/My-Harvest-America-Will-Fail/909207
I'm sure there are many more links.
Notice how they started by actually offering groceries at rock-bottom prices.  While that looked more legitimate (after all who knows what they really pay for groceries?)  But obviously that got too expensive so now they just subsidize GC's by the continued recruitment of suckers to pay the bills.

It can't last forever.  I guarantee it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: SuperFlyer on January 08, 2011, 05:19:31 PM
A shame you have pity on the people, otherwise I'd suggest to open a new mlm, right here and now.
We would be the top level, and raking profits.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on January 08, 2011, 05:41:23 PM
We could sell DDF access
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on January 08, 2011, 06:34:17 PM
A shame you have pity on the people, otherwise I'd suggest to open a new mlm, right here and now.
We would be the top level, and raking profits.

Only that DD/DDF is actually a sustainable business model :D
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on January 08, 2011, 09:41:17 PM
A shame you have pity on the people, otherwise I'd suggest to open a new mlm, right here and now.
We would be the top level, and raking profits.
The top people do indeed make a killing.  There's no denying that.
But once again, so did Madoff.
Title: my harvest america $300 debit cards are they legit?
Post by: Jerseysteve on February 08, 2011, 08:42:58 PM
all over Lakewood people are buying $300 debit cards for $265 and many are signing up under different names so they can purchase several of them a month. the old adage if it is to good to be true it is usually correct. Is any Dandealers doing this? what is the risk?
http://www.myharvestamerica.com/Harvest_index.asp
Title: Re: My Harvest America $300 for only $255 per month
Post by: sprint on February 08, 2011, 08:56:02 PM
all over Lakewood people are buying $300 debit cards for $265 and many are signing up under different names so they can purchase several of them a month. the old adage if it is to good to be true it is usually correct. Is any Dandealers doing this? what is the risk?
http://www.myharvestamerica.com/Harvest_index.asp

Not a great risk - just your initial investment which yes, is not much depending on your plan.  I think the whole concept of it being a ponzi/pyramid scheme just bothers some of the people here (myself very much included) - that although little risk to me, I am definitely being goreim someone down the line a loss - as at some point every pyramid blows...only question is when.  If you analyze the program - its clearly setup to support a pyramid - there is no debating that - having to wait from deposit to redemtion 2 - 4 weeks, is to give them time for payouts for cash flow - more signups, etc.  At some point they wont get enough signups and...
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on March 09, 2011, 11:17:04 AM
I heard this program underwent major changes.  Any schemers here want to fill us in?
Title: Re: My Harvest America $300 for only $255 per month
Post by: hocker on March 09, 2011, 11:36:25 AM
just heard they stopped the WalMart thing where you paid $300 or so and got $400 WM GC. Anyone have more info?
Title: Re: My Harvest America $300 for only $255 per month
Post by: elikay on March 09, 2011, 11:42:24 AM
just found this http://www.wahm.com/forum/my-harvest-america-271/560407-omg-my-harvest-america-back.html
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on March 09, 2011, 11:58:16 AM
just found this http://www.wahm.com/forum/my-harvest-america-271/560407-omg-my-harvest-america-back.html
ROFL, those people will need to wipe the slobber off the floor.
So now the alleged business model is to sell worthless credit card sleeves...cute.  Because it's too good for stores, so we sell directly to you!  Maybe next they'll sell tinfoil hats?  Or just cut out the worthless goods and admit it's just a pyramid that has been re-juggled to keep it afloat a little longer before the inevitable collapse?
Title: Re: My Harvest America $300 for only $255 per month
Post by: fred on May 29, 2011, 09:20:07 PM
Well they are done now. They filed for chapter 7 on may 27th. Surprise surprise! I'm glad I stopped feeding them money in feb. I knew it was a scam but figured I'd ride it a few months. I made like a thousnd bucks and then As soon as they started with those worthless sleeves I knew the game was ending I feel sorry for those people feeding them 595 a month for them and their wife for about 3600 total while waiting for 3 months for those rebates to arive and then they went bust. Hope they can dispute it with the credit card companies. I think dan might know best how to deal with disputing the cc companies. Let's all learn for next time. There aint no such thing as free money (except for airline miles of course!) and if its too good to be true then it definitly is!
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on May 29, 2011, 09:23:30 PM
Shocked, shocked I tell 'ya ::)
Title: Re: My Harvest America $300 for only $255 per month
Post by: yaakov s on May 29, 2011, 09:41:54 PM
Shocked, shocked I tell 'ya ::)
I missed this thread till now , I've been begging a friend of mine who owns a newspaper to stop running these ads as they are causing tremendous hefsed to yidden . He reassured me that this is different!!
Title: Re: My Harvest America $300 for only $255 per month
Post by: Saver2000 on May 29, 2011, 10:04:39 PM
I was heavily involved in this program - I just disputed over $4000 on one of the credit cards that I used. I have a couple of questions that maybe some fellow forum members can help out with
1) is it dangerous to dispute such a large amount-will I feel reprecussions somewhere down the line in the long run?
2) the cc that i'm referring is my citi advantage card- is citi going to pull the miles from my AA account?
3) is the cc company responsible to refund the money even when the merchant goes bankrupt?
TIA
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 29, 2011, 10:11:07 PM
I was heavily involved in this program - I just disputed over $4000 on one of the credit cards that I used. I have a couple of questions that maybe some fellow forum members can help out with
1) is it dangerous to dispute such a large amount-will I feel reprecussions somewhere down the line in the long run?
2) the cc that i'm referring is my citi advantage card- is citi going to pull the miles from my AA account?
3) is the cc company responsible to refund the money even when the merchant goes bankrupt?
TIA

1. I don't think so, they just might throw the dispute out.
2. They'll probably hold a negative miles balance, to be cancelled out by future spending on the card.
3. That' probably depends on the reason for the dispute, in this case I don't think they're legally required to take the loss, since you actually authorized the purchase (i.e. it wasn't fraud as in your CC number getting stolen).
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on May 29, 2011, 10:11:48 PM
I've been begging a friend of mine who owns a newspaper to stop running these ads as they are causing tremendous hefsed to yidden . He reassured me that this is different!!
A pyramid scheme is a pyramid scheme is a pyramid scheme.
There's a reason I refused to run these ads on DD...
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 29, 2011, 10:13:48 PM
A pyramid scheme is a pyramid scheme is a pyramid scheme.
There's a reason I refused to run these ads on DD...

It's so sad that MLMs are so prevalent in our community, exploiting the naivety of people.
Title: Re: My Harvest America $300 for only $255 per month
Post by: yaakov s on May 29, 2011, 10:15:29 PM
A pyramid scheme is a pyramid scheme is a pyramid scheme.
There's a reason I refused to run these ads on DD...
But he told me that they make money from people coming to their site , Dont you get it this is the real deal. Why are you such a cynic.
Very sad.
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 29, 2011, 10:16:35 PM
But he told me that they make money from people coming to their site , Dont you get it this is the real deal. Why are you such a cynic.

Nice one!
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on May 29, 2011, 10:16:58 PM
It's so sad that MLMs are so prevalent in our community, exploiting the naivety of people.
Naivety is being dan l'kaf z'chus.
Most would call it greed.

If one can think in a post-Madoff world that these things are legit they're a fool.
They exist to enrich the pyramid founders and when they no longer do (by definition this has to occur as a pyramid can't keep growing exponentially without collapsing) they shut down causing ruin to all those at the bottom.
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 29, 2011, 10:19:46 PM
Naivety is being dan l'kaf z'chus.
Most would call it greed.

I know enough people who actually took this kind of stuff (Ambit, Monavie, Primerica etc.) seriously. I don't think they were greedy, they were simply naive.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Saver2000 on May 29, 2011, 10:21:07 PM
1. I don't think so, they just might throw the dispute out.
2. They'll probably hold a negative miles balance, to be cancelled out by future spending on the card.
3. That' probably depends on the reason for the dispute, in this case I don't think they're legally required to take the loss, since you actually authorized the purchase (i.e. it wasn't fraud as in your CC number getting stolen).

1) wat do u mean - "they may throw it out" ?
3} my complaint is legit bec I never recieved the product -(secure sleeves) .

Heres the info about disputes in case anybody looking for it. But it doesnt say wat would be in the event of bankruptcy. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre16.shtm
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 29, 2011, 10:28:03 PM
1) wat do u mean - "they may throw it out" ?
3} my complaint is legit bec I never recieved the product -(secure sleeves) .

The same answer for both points. I don't think they're legally required to take the loss if it's a legit charge but you have an issue with the goods (i.e. not what you ordered/never received goods etc). If they are legally required, you'll obviously get your money. If not, it all depends on what they can collect from the merchant (MHA in this case), which isn't very likely in this situation.
Title: Re: My Harvest America $300 for only $255 per month
Post by: yaakov s on May 29, 2011, 11:02:06 PM
http://www.thelakewoodscoop.com/news/2011/05/my-harvest-america-files-for-bankrutpcy-many-in-lakewood-left-holding-worthless-cards.html
Title: Re: My Harvest America $300 for only $255 per month
Post by: elikay on May 30, 2011, 12:10:15 AM
Quote from http://wealthcascade.com/ (http://wealthcascade.com/)
Quote

This is unfortunate and it will be a harsh blow to many of us who absolutely love this program.

I actually feel that the founders and owners will rise like a phoenix from the ashes and build a better business in the future. While MHA may be gone, the concept and the business model is sound and workable. I truly hope that the owners will not give up entirely and will devise a new plan and come back with a program that cannot be destroyed from the outside in.
Title: Re: My Harvest America $300 for only $255 per month
Post by: yossi4k on May 30, 2011, 01:06:08 AM
Anyone hear of www.MyHarvestAmerica.com? I was wondering if it's a scam. You can get $300 prepaid debit card for only $255. Did anybody out there here about it or sign up for it? I want to if anyone had any problems with them. I already took the chance and signed up for it. I figured, if it's a scam, I'll just dispute the charge. So far it's great and really worth it. If you want to sign up, let me know, I'll tell you how. First just check out the sight and google it for scams. (I didn't find any scam report on it, let me know if you do) BTW, on a side note, you can also make money by signing up people under your account. Sounds sketchy....until my brother got his check!! (I'm waitng for mine too)
I know ppl that bought it and never received the gift cards....
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on May 30, 2011, 01:11:17 AM
Quote
While MHA may be gone, the concept and the business model is sound and workable.
Hmm...
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on May 30, 2011, 01:18:59 AM
Naivety is being dan l'kaf z'chus.
Most would call it greed.

If one can think in a post-Madoff world that these things are legit they're a fool.
They exist to enrich the pyramid founders and when they no longer do (by definition this has to occur as a pyramid can't keep growing exponentially without collapsing) they shut down causing ruin to all those at the bottom.
IME the ppl recruiting ppl are very often greedy, but very often those being recruited are naive and get convinced by the recruiters that it is legit and profitable. I was getting almost a phone call a day from good ppl regarding WorldVentures. Some asking if they should sign up, some trying to recruit me. Many ppl took advantage of the 3 day cancellation period after I spoke to them.

Dan I think it would be a big toeles harabim to do a feature on the main site. You don't have to name names, but a general 'why it can't work' piece
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 30, 2011, 01:22:06 AM
Dan I think it would be a big toeles harabim to do a feature on the main site. You don't have to name names, but a general 'why it can't work' piece

+1
Title: Re: My Harvest America $300 for only $255 per month
Post by: aussiebochur on May 30, 2011, 01:31:22 AM
IME the ppl recruiting ppl are very often greedy, but very often those being recruited are naive and get convinced by the recruiters that it is legit and profitable. I was getting almost a phone call a day from good ppl regarding WorldVentures. Some asking if they should sign up, some trying to recruit me. Many ppl took advantage of the 3 day cancellation period after I spoke to them.

Dan I think it would be a big toeles harabim to do a feature on the main site. You don't have to name names, but a general 'why it can't work' piece
Putting up such an article would be very beneficial. Especially, that many who do sign up for such things are probably people always looking for a good deal and therefore also frequent DD.
However, apparently there have been others who have been harassed from these companies for putting up such things.
So with no real gain for Dan, (not saying everything he posts is for personal gain), why have the headache?
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 30, 2011, 01:32:35 AM
However, apparently there have been others who have been harassed from these companies for putting up such things.
So with no real gain for Dan, (not saying everything he posts is for personal gain), why have the headache?

If Dan doesn't name companies I doubt they'll harass him much.
Title: Re: My Harvest America $300 for only $255 per month
Post by: aussiebochur on May 30, 2011, 01:41:28 AM
If Dan doesn't name companies I doubt they'll harass him much.
Probably true.
However, as with every new one, they always say,"this is not the same thing, this really works."
So without names, will it be as useful?
Granted, "ki rabim haim, v'ee efshar l'fortom" but at least those that are most prevalent in the Jewish communities.
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 30, 2011, 01:44:58 AM
Probably true.
However, as with every new one, they always say,"this is not the same thing, this really works."
So without names, will it be as useful?
Granted, "ki rabim haim, v'ee efshar l'fortom" but at least those that are most prevalent in the Jewish communities.

I think he can get away with naming them. Ultimately, what he posts is (obviously) his choice.

He can also just say: An MLM is an MLM is an MLM. 'This one is different' is just BS, gotta see past it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: yissie on May 30, 2011, 08:34:39 AM
If Dan doesn't name companies I doubt they'll harass him much.
.   

+1
Title: Re: My Harvest America $300 for only $255 per month
Post by: dans fan on May 30, 2011, 09:29:35 AM
i am not sure what type of language is appropriate for the mha sellers but i am sure it aint appropriate for ddf. all those frum guys who knew that this was a pyramid and went around selling it advertising 'no gimmicks' 'no strings attached' ect should be put in chairim they stole ppl money knowingly not informing buyers of the risk (at least say its a pyramid) is genaiva, according  to halacha you could probably get your money back from seller (not in this case bc you didnt give him the money he was just a agent being oiver lifnai eevair). i a frequent ddf and was informed about the future of this  'company' but friend and fam would tell me 'its a frum guy he says there is nothing to worry about (for him at least). guys who do that are not frum they just dress frum. when you get up there they will ask you "nasata bemunah"? and then throw you straight into hell
Title: Re: My Harvest America $300 for only $255 per month
Post by: Yaalili on May 30, 2011, 09:34:36 AM
i am not sure what type of language is appropriate for the mha sellers but i am sure it aint appropriate for ddf.

It actually makes sense, since he was the OP, advertising his scheme.
Title: Re: My Harvest America $300 for only $255 per month
Post by: myb821 on May 30, 2011, 09:35:42 AM
It actually makes sense, since he was the OP, advertising his scheme.
and its his only post ever
Title: Re: My Harvest America $300 for only $255 per month
Post by: yaakov s on May 30, 2011, 09:43:41 AM
I met one of the big sellers this morning by davening . I gave him a big thumbs up . He came running over that "you realize its because so many people returned etc, etc," I told him it would be more appropriate to daven a t home the next few days. Shame Shame Shame
Title: Re: My Harvest America $300 for only $255 per month
Post by: fred on May 30, 2011, 09:47:04 AM
Well they are done now. They filed for chapter 7 on may 27th. Surprise surprise! I'm glad I stopped feeding them money in feb. As soon as they started with those worthless sleeves I knew the game was ending I feel sorry for those people feeding them 595 a month for them and their wife for about 3600 total while waiting for 3 months for those rebates to arive and then they went bust. Hope they can dispute it with the credit card companies. I think dan might know best how to deal with disputing the cc companies. Let's all learn for next time. There aint no such thing as free money (except for airline miles of course!) and if its too good to be true then it definitly is!
Title: Re: My Harvest America $300 for only $255 per month
Post by: fred on May 30, 2011, 10:21:34 PM
I hear that the guy that signed up a lot of people is giving back money to those that lost and couldn't dispute the charges.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Saver2000 on May 30, 2011, 10:47:56 PM
I hear that the guy that signed up a lot of people is giving back money to those that lost and couldn't dispute the charges.

There were a few different people that signed up people. D u know the name of the one that's giving back money?
Title: Re: My Harvest America $300 for only $255 per month
Post by: sprint on May 30, 2011, 10:52:30 PM
I missed this thread till now , I've been begging a friend of mine who owns a newspaper to stop running these ads as they are causing tremendous hefsed to yidden . He reassured me that this is different!!
you know - it reallly bugged me that the frum newspapers were running the sleazy ads -
save on tuition!
or
Do you use credit cards?! Save money!
Completely machshil people...

I guessed maybe they had no clue...but...
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 30, 2011, 10:56:30 PM
I hear that the guy that signed up a lot of people is giving back money to those that lost and couldn't dispute the charges.

The problem is that with these ponzi schemes is that the money that's left after all the overhead (promoting the hype, inflating returns etc.) is never enough to pay all the claims of those who lost money.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Saver2000 on May 30, 2011, 11:13:27 PM
The problem is that with these ponzi schemes is that the money that's left after all the overhead (promoting the hype, inflating returns etc.) is never enough to pay all the claims of those who lost money.

Mlm's don't do much advertising. Its usually members doing the advertising trying to get new people to sign up under them. -- that's really the point of an mlm, the company doent have to do any promoting/recruiting.
Title: Re: My Harvest America $300 for only $255 per month
Post by: aussiebochur on May 30, 2011, 11:19:32 PM
Mlm's don't do much advertising. Its usually members doing the advertising trying to get new people to sign up under them. -- that's really the point of an mlm, the company doent have to do any promoting/recruiting.
The point is for the top guys to make a lot of money.
So besides the fact that there isn't enough money to pay everyone back, there would be no point in starting a MLM if, when it crashes, they have to pay everyone back.

Bottom line, many will lose and a few have all of that money.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Saver2000 on May 30, 2011, 11:24:52 PM
The point is for the top guys to make a lot of money.
So besides the fact that there isn't enough money to pay everyone back, there would be no point in starting a MLM if, when it crashes, they have to pay everyone back.

Bottom line, many will lose and a few have all of that money.
I'm not arguing on that -- in every mlm there are always going to be people on the "bottom" of the pyramid that wont be making a dime.
I was arguing with the fact that money is spent on "advertising and other overhead"
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on May 30, 2011, 11:38:41 PM
Mlm's don't do much advertising. Its usually members doing the advertising trying to get new people to sign up under them. -- that's really the point of an mlm, the company doent have to do any promoting/recruiting.

There is overhead involved with an MLM, the various MLMs are designed differently, but ponzi schemes always have overhead/commissions.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Saver2000 on May 31, 2011, 01:32:05 PM
Read this article from the "chief" himself  . . .


http://www.thelakewoodscoop.com/news/2011/05/my-harvest-america-was-not-a-scam-says-salesperson.html
Title: Re: My Harvest America $300 for only $255 per month
Post by: deals on May 31, 2011, 01:42:56 PM
Read this article from the "chief" himself  . . .


http://www.thelakewoodscoop.com/news/2011/05/my-harvest-america-was-not-a-scam-says-salesperson.html

stupid guy !!
Title: Re: My Harvest America $300 for only $255 per month
Post by: Zeeeeks on May 31, 2011, 01:50:38 PM
stupid guy !!
+1
Still trying to convince himself that what he did was right! On top of that now he wants to sucker people into his new scam.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Dan on May 31, 2011, 01:54:29 PM
Yup, and the Madoff situation wasn't a scam either after all lots of people (the early ones) did quite well with it.
Title: Re: My Harvest America $300 for only $255 per month
Post by: regalhome on May 31, 2011, 01:56:28 PM
Why is TLS still promoting this guy? He`s nuts.
Title: Re: My Harvest America $300 for only $255 per month
Post by: dans fan on May 31, 2011, 02:11:57 PM
Why is TLS still promoting this guy? He`s nuts.

if you read his article, i would say tl scoop allowed him to make a bigger fool out of him self. anyone who doesnt think he is totally nuts, greedy off target and confused and a liar ,and a ganav and a scammer (definitely not a professional one) after reading his article falls into the class of kol mi she'ain bo dai'ah asur lerachaim a'luv
Title: Re: My Harvest America $300 for only $255 per month
Post by: fred on June 01, 2011, 03:51:59 PM
This guy is nuts. He gets on tls and tells everyone that yes it was a pyramid and yes they just take one guys money to give to the nevt guy and he still thinks its great because it could have worked if people wouldn't have messed it up!
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on June 01, 2011, 03:57:54 PM
This guy is nuts. He gets on tls and tells everyone that yes it was a pyramid and yes they just take one guys money to give to the nevt guy and he still thinks its great because it could have worked if people wouldn't have messed it up!

Not nuts, he's still being scammed, the poor fellow...  :'(
Title: Re: My Harvest America $300 for only $255 per month
Post by: regalhome on June 01, 2011, 04:36:32 PM
you can tell he is not a buisness minded fellow when he writes.

Quote
“But lemaaseh Some people DID lose out, like the people who purchased with a gift card”. Good point, so let me ask you should have we decided not to pump in $150,000 into Yiddishe hands because someone might buy it the wrong way? Lets see what the coffee room says".
Title: Re: My Harvest America $300 for only $255 per month
Post by: yaakov s on June 01, 2011, 04:57:28 PM
And this bumbling fool finishes his letter

"And finally, I have a new thing which you could make thousands a month. It’ll cost you only $5. Pay ONCE. That’s it. Be careful, you might be “holding the bag”. Im serious."
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on June 01, 2011, 05:01:37 PM
And this bumbling fool finishes his letter

"And finally, I have a new thing which you could make thousands a month. It’ll cost you only $5. Pay ONCE. That’s it. Be careful, you might be “holding the bag”. Im serious."

So, what's his new MLM? At only $5 they'll need a ton of losers for it to be worth their time....
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on June 01, 2011, 05:09:12 PM
So, what's his new MLM? At only $5 they'll need a ton of losers for it to be worth their time....
He says explicitly in the comments that it's a chain letter scam. Just in case there were still ppl who thought he was sane
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on June 01, 2011, 05:11:59 PM
He says explicitly in the comments that it's a chain letter scam. Just in case there were still ppl who thought he was sane

These idiots don't realize that these models are unsustainable... Societally, they are a net loss of productivity.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on June 01, 2011, 05:15:41 PM
These idiots don't realize that these models are unsustainable...
I think many do. Especially this piece of meat who will soon be very well done
Title: Re: My Harvest America $300 for only $255 per month
Post by: yaakov s on June 01, 2011, 05:26:47 PM
I'm think many do. Especially this piece of meat who will soon be very well done
Why do you think so . As long as he is on top of the pyramid he might be around for a while. Every minute a sucker is born is for the whole world . Unfortunately in Lakewood it's more like every second.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on June 01, 2011, 05:35:26 PM
Why do you think so . As long as he is on top of the pyramid he might be around for a while. Every minute a sucker is born is for the whole world . Unfortunately in Lakewood it's more like every second.
What does that have to do with him knowing it's a non-sustainable business model
Title: Re: My Harvest America $300 for only $255 per month
Post by: fred on June 01, 2011, 07:21:54 PM
Actually he doesn't say its a chain letter scam, he says its a chain letter. Chain letters aren't scams in his book, they are just ilegal and these geniuses seem to have found a loophole that makes this one legal so he's good to go! And all the fools that will follow him...after all it just 5 bucks.....oh and you need to find 4 other fools who will find 4 other fools etc. Doesn't seem hard at all there are fools all around.
Title: Re: My Harvest America $300 for only $255 per month
Post by: AsherO on June 01, 2011, 10:55:08 PM
Actually he doesn't say its a chain letter scam, he says its a chain letter. Chain letters aren't scams in his book, they are just ilegal and these geniuses seem to have found a loophole that makes this one legal so he's good to go! And all the fools that will follow him...after all it just 5 bucks.....oh and you need to find 4 other fools who will find 4 other fools etc. Doesn't seem hard at all there are fools all around.

Scam and legal aren't mutually exclusive.
Title: Re: My Harvest America $300 for only $255 per month
Post by: Chaikel on June 02, 2011, 01:16:05 AM
I'm dan lkaf zchus, that all of these frum people who get involved with MHA, and the various other schemes circling our communities, do so only to demonstrate to the world that we really don't control all the money in the world, and many of us are in fact pretty dumb.
Title: Re: My Harvest America $300 for only $255 per month
Post by: bubkiz on June 02, 2011, 11:37:30 PM
Check this out:
http://www.lakewoodlocal.com/2011/06/02/lakewoodlocal-exclusive-local-resident-warned-agent-months-ago-my-harvest-america-will-go-bust