Just press the 'A' Button when facing the plant you want to harvest!
Remember make sure it is fulling grown before you try to harvest it.
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You can find the moon stone in Harvest Moon Magical melody in the Cave. (I don't believe that their are moon stones in the underground lake, but hey it is wroth a shot.)
You can't.
Harvest Moon Magical Melody; available for Game-cube and Wii.
you can't in that game.