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	<title>Comments on: Is Shop To Earn a Scam or Legit Business Opportunity?</title>
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	<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/</link>
	<description>Financial Evolution: Education, Adaptation, Achievement</description>
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		<title>By: Wake Up, Joe "0"</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3701</link>
		<dc:creator>Wake Up, Joe "0"</dc:creator>
		<pubDate>Sat, 09 Jan 2010 20:00:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3701</guid>
		<description>You had to go away because you were caught in another lie. Now you wanna come back and address Deborah who really sees the BS for what it&#039;s worth? Your such a funny person. Once again, here&#039;s the point I posted for you before, &quot;I need a break from your non-sense.&quot;
“100’s of moms and dads are shopping on the league’s site and the league makes $$$ doing next to nothing.” REALLY???? I certainly don’t see hundreds of moms and dads ordering through the website. A fact would be, THAT ONLY A TOTAL of ELEVEN (11) PURCHASES HAVE BEEN MADE THRU THE WEBSITE SINCE OCTOBER 2008.
Since you’re showing as the contact person for that website, why don’t you go ahead and open up the blocked “My earnings” page for the little league website. Let’s see how much money you’ve poured into this fortunate organization.
So go ahead and prove me wrong on it zero. Unblock that earnings page and let’s see how much you’ve assisted the little league.

It&#039;s been nearly a month since I posted that and still no purchases from their portal. They must be so thankful to have you Mr. &quot;0&quot;. You&#039;ve saved the league from going under and save HUNDREDS of moms and dads money for shopping there??????? If their shopping through it then STE is a bigger scam than ever believed. I mean the website isn&#039;t getting credit for ALL those purchases. LOL LOL LOL!!!!!!!!!!!</description>
		<content:encoded><![CDATA[<p>You had to go away because you were caught in another lie. Now you wanna come back and address Deborah who really sees the BS for what it&#8217;s worth? Your such a funny person. Once again, here&#8217;s the point I posted for you before, &#8220;I need a break from your non-sense.&#8221;<br />
“100’s of moms and dads are shopping on the league’s site and the league makes $$$ doing next to nothing.” REALLY???? I certainly don’t see hundreds of moms and dads ordering through the website. A fact would be, THAT ONLY A TOTAL of ELEVEN (11) PURCHASES HAVE BEEN MADE THRU THE WEBSITE SINCE OCTOBER 2008.<br />
Since you’re showing as the contact person for that website, why don’t you go ahead and open up the blocked “My earnings” page for the little league website. Let’s see how much money you’ve poured into this fortunate organization.<br />
So go ahead and prove me wrong on it zero. Unblock that earnings page and let’s see how much you’ve assisted the little league.</p>
<p>It&#8217;s been nearly a month since I posted that and still no purchases from their portal. They must be so thankful to have you Mr. &#8220;0&#8243;. You&#8217;ve saved the league from going under and save HUNDREDS of moms and dads money for shopping there??????? If their shopping through it then STE is a bigger scam than ever believed. I mean the website isn&#8217;t getting credit for ALL those purchases. LOL LOL LOL!!!!!!!!!!!</p>
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		<title>By: joe zero</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3698</link>
		<dc:creator>joe zero</dc:creator>
		<pubDate>Sat, 09 Jan 2010 15:33:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3698</guid>
		<description>Hi Deborah:
Not sure about the &quot;devil&#039; comment. I know all the details of the ste contract...especially the commission schedule portion. I know everyone gets paid on time and accurately each month.
STE is a business for me. Typically with any business venture there is risk involved. Buying a franchise, signing a lease and personally guranteeing the lease, hiring employees and hoping that they don&#039;t sue YOU if a co-worker looks at the them the wrong way. This is a huge undertaking. And we all know that most will fail and the person ends up in debt. When you compare $448 to buying even a small sandwich shop or starting a hair salon etc, this is a no brainer. 

How many &quot; old fashioned&quot; businesses can turn a profit in their first 3 months?how about the first year? STE can return your money back in hours. If you fail at the business end...well then just shop and get your cash back...no victims here.

There are lots of rewards malls all over the internet. They make their money by skimming some of the cash back (STE pays it all to us) and by the credit card usage fees they broker too.  That&#039;s ok.  But its NOT a business. Realistically, probably less than 2% of American  even know about cash back portals and even less use them effectively. Part of my business is getting paid to spread the word and sell cash-back ste webportals. The more that are sold the more money me and my team makes. We sell a &quot;Mercedes quality&quot;  cash-back web portal for $349 . . . not everyone appreciates a fine machine...some want a hyundai....that&#039;s ok...both will get you to the game on time. Both have a place in the market. 

STE accepts Discover, so lots of people double dip. STE even gives cash back on gift cards so some people buy them, get 5% cash back, then use them on the website and get another 5% cash back. Most stores allow this and dont mind this double-dip  . . . why? because on-line shopping is 50-70% more profitable for the retailer than brick and mortar.
Anyway... I will keep running my business . . . each month I do less and less and make more and more. Its been almost 20 months now.

When some skeptics ask me &quot; hey Joe, how&#039;s that pyramid thing you got involved in last year? &quot; I respond, &quot; You mean Shop to Earn? yeah . . . I am almost done with that thing.&quot;    They get all smug and say, &quot;hmm didnt work out huh?&quot;. I say,  &quot;No, actually it worked out just as I planned ... focus for 2-3 years and walk away with $150k a month forever and ever&quot; 
How much cash in a CD do you need to earn that every month?

livin&#039; the dream!
Have a great 2010!
Joe O.</description>
		<content:encoded><![CDATA[<p>Hi Deborah:<br />
Not sure about the &#8220;devil&#8217; comment. I know all the details of the ste contract&#8230;especially the commission schedule portion. I know everyone gets paid on time and accurately each month.<br />
STE is a business for me. Typically with any business venture there is risk involved. Buying a franchise, signing a lease and personally guranteeing the lease, hiring employees and hoping that they don&#8217;t sue YOU if a co-worker looks at the them the wrong way. This is a huge undertaking. And we all know that most will fail and the person ends up in debt. When you compare $448 to buying even a small sandwich shop or starting a hair salon etc, this is a no brainer. </p>
<p>How many &#8221; old fashioned&#8221; businesses can turn a profit in their first 3 months?how about the first year? STE can return your money back in hours. If you fail at the business end&#8230;well then just shop and get your cash back&#8230;no victims here.</p>
<p>There are lots of rewards malls all over the internet. They make their money by skimming some of the cash back (STE pays it all to us) and by the credit card usage fees they broker too.  That&#8217;s ok.  But its NOT a business. Realistically, probably less than 2% of American  even know about cash back portals and even less use them effectively. Part of my business is getting paid to spread the word and sell cash-back ste webportals. The more that are sold the more money me and my team makes. We sell a &#8220;Mercedes quality&#8221;  cash-back web portal for $349 . . . not everyone appreciates a fine machine&#8230;some want a hyundai&#8230;.that&#8217;s ok&#8230;both will get you to the game on time. Both have a place in the market. </p>
<p>STE accepts Discover, so lots of people double dip. STE even gives cash back on gift cards so some people buy them, get 5% cash back, then use them on the website and get another 5% cash back. Most stores allow this and dont mind this double-dip  . . . why? because on-line shopping is 50-70% more profitable for the retailer than brick and mortar.<br />
Anyway&#8230; I will keep running my business . . . each month I do less and less and make more and more. Its been almost 20 months now.</p>
<p>When some skeptics ask me &#8221; hey Joe, how&#8217;s that pyramid thing you got involved in last year? &#8221; I respond, &#8221; You mean Shop to Earn? yeah . . . I am almost done with that thing.&#8221;    They get all smug and say, &#8220;hmm didnt work out huh?&#8221;. I say,  &#8220;No, actually it worked out just as I planned &#8230; focus for 2-3 years and walk away with $150k a month forever and ever&#8221;<br />
How much cash in a CD do you need to earn that every month?</p>
<p>livin&#8217; the dream!<br />
Have a great 2010!<br />
Joe O.</p>
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		<title>By: Deborah</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3670</link>
		<dc:creator>Deborah</dc:creator>
		<pubDate>Thu, 07 Jan 2010 05:29:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3670</guid>
		<description>Wow,  reading this blog was really interesting, my brother signed up for &quot;Shop to Earn&quot; through a good friend.  He wanted me to take a look at the marketing plan.   It&#039;s very well done, but not for me.  I agree if you  are doing a lot of spending with your credit card and not getting cash back for your purchases, you are leaving money on the table.  We use the Discover Card for as many expenses as possible and pay off the full balance &quot;every&quot; month.   We get back hundreds of dollars per year for carrying less cash around and exercising discipline.   To compound our dollars, we also shop through a Rewards Mall,  (it has over 1000 on line stores) that&#039;s free, there are not set up fees etc.   You have to take your hat off to the group that dreamed up Shop to Earn ~ they have a very good marketing model.  We have all heard the saying; &quot;the buyer beware&quot; or with any contract,  you need to read the fine print.   The Devil is in the Details.</description>
		<content:encoded><![CDATA[<p>Wow,  reading this blog was really interesting, my brother signed up for &#8220;Shop to Earn&#8221; through a good friend.  He wanted me to take a look at the marketing plan.   It&#8217;s very well done, but not for me.  I agree if you  are doing a lot of spending with your credit card and not getting cash back for your purchases, you are leaving money on the table.  We use the Discover Card for as many expenses as possible and pay off the full balance &#8220;every&#8221; month.   We get back hundreds of dollars per year for carrying less cash around and exercising discipline.   To compound our dollars, we also shop through a Rewards Mall,  (it has over 1000 on line stores) that&#8217;s free, there are not set up fees etc.   You have to take your hat off to the group that dreamed up Shop to Earn ~ they have a very good marketing model.  We have all heard the saying; &#8220;the buyer beware&#8221; or with any contract,  you need to read the fine print.   The Devil is in the Details.</p>
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		<title>By: Wake Up, Joe "0"</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3479</link>
		<dc:creator>Wake Up, Joe "0"</dc:creator>
		<pubDate>Tue, 15 Dec 2009 18:05:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3479</guid>
		<description>Show the proof that &quot;100’s of moms and dads are shopping on the league’s site and the league makes $$$ doing next to nothing.” 
YOU SAID IT and it shows on the website that 11 purchases in over a year have been made. I&#039;m not a mathematician but 11 is certainly far from hundreds isn&#039;t it?
As I stated, we would see serious deflection and it&#039;s exactly what we got from it. You won&#039;t answer because you know I&#039;m right. I&#039;m sorry you think I&#039;m juvenile but at least I&#039;m not BSing about numbers and facts.
If you knew me you would definitely not believe I&#039;m a negative person. I just hated seeing friends by into this crap. Most have lost money and a couple who recruited the heck out of people made money and it certainly wasn&#039;t from shopping.</description>
		<content:encoded><![CDATA[<p>Show the proof that &#8220;100’s of moms and dads are shopping on the league’s site and the league makes $$$ doing next to nothing.”<br />
YOU SAID IT and it shows on the website that 11 purchases in over a year have been made. I&#8217;m not a mathematician but 11 is certainly far from hundreds isn&#8217;t it?<br />
As I stated, we would see serious deflection and it&#8217;s exactly what we got from it. You won&#8217;t answer because you know I&#8217;m right. I&#8217;m sorry you think I&#8217;m juvenile but at least I&#8217;m not BSing about numbers and facts.<br />
If you knew me you would definitely not believe I&#8217;m a negative person. I just hated seeing friends by into this crap. Most have lost money and a couple who recruited the heck out of people made money and it certainly wasn&#8217;t from shopping.</p>
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		<title>By: joeo</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3478</link>
		<dc:creator>joeo</dc:creator>
		<pubDate>Tue, 15 Dec 2009 13:22:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3478</guid>
		<description>Hey Wake Up:
You really have no clue what you are talking about. STE grows every day, thousands of people are saving money as I type this blog . . . and you are getting nothing done. People like me DONATE cash-back web portals to non-profit organizations to help raise money and you think even that is BS???
All of my responses are truthful and informative. Yours are juvenile.
I need a break from your non-sense.
Joe O.</description>
		<content:encoded><![CDATA[<p>Hey Wake Up:<br />
You really have no clue what you are talking about. STE grows every day, thousands of people are saving money as I type this blog . . . and you are getting nothing done. People like me DONATE cash-back web portals to non-profit organizations to help raise money and you think even that is BS???<br />
All of my responses are truthful and informative. Yours are juvenile.<br />
I need a break from your non-sense.<br />
Joe O.</p>
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		<title>By: Wake Up, Joe "0"</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3476</link>
		<dc:creator>Wake Up, Joe "0"</dc:creator>
		<pubDate>Tue, 15 Dec 2009 05:25:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3476</guid>
		<description>I&#039;m going to predict some &quot;Major League&quot; deflection folks. That&#039;ll be from Mr. zero who has went on other websites slamming STE posting under numerous names.</description>
		<content:encoded><![CDATA[<p>I&#8217;m going to predict some &#8220;Major League&#8221; deflection folks. That&#8217;ll be from Mr. zero who has went on other websites slamming STE posting under numerous names.</p>
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		<title>By: Wake Up, Joe "0"</title>
		<link>http://www.darwinsfinance.com/is-shop-to-earn-a-scam-or-legit-business-opportunity/comment-page-2/#comment-3475</link>
		<dc:creator>Wake Up, Joe "0"</dc:creator>
		<pubDate>Tue, 15 Dec 2009 05:23:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.darwinsfinance.com/?p=178#comment-3475</guid>
		<description>Here is once again another BS response: &quot;100’s of moms and dads are shopping on the league’s site and the league makes $$$ doing next to nothing.&quot; REALLY???? I certainly don&#039;t see hundreds of moms and dads ordering through the website. A fact would be, THAT ONLY A TOTAL of ELEVEN (11) PURCHASES HAVE BEEN MADE THRU THE WEBSITE SINCE OCTOBER 2008.
Since you&#039;re showing as the contact person for that website, why don&#039;t you go ahead and open up the blocked &quot;My earnings&quot; page for the little league website. Let&#039;s see how much money you&#039;ve poured into this fortunate organization.
 So go ahead and prove me wrong on it zero. Unblock that earnings page and let&#039;s see how much you&#039;ve assisted the little league.</description>
		<content:encoded><![CDATA[<p>Here is once again another BS response: &#8220;100’s of moms and dads are shopping on the league’s site and the league makes $$$ doing next to nothing.&#8221; REALLY???? I certainly don&#8217;t see hundreds of moms and dads ordering through the website. A fact would be, THAT ONLY A TOTAL of ELEVEN (11) PURCHASES HAVE BEEN MADE THRU THE WEBSITE SINCE OCTOBER 2008.<br />
Since you&#8217;re showing as the contact person for that website, why don&#8217;t you go ahead and open up the blocked &#8220;My earnings&#8221; page for the little league website. Let&#8217;s see how much money you&#8217;ve poured into this fortunate organization.<br />
 So go ahead and prove me wrong on it zero. Unblock that earnings page and let&#8217;s see how much you&#8217;ve assisted the little league.</p>
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