All posts by Don Reid

Harry The Duck

Harry The Duck

Once upon a time, in a place far far away called Canberra, I was walking along a concrete creek.  We called it a creek as it always had a small stream of water in it but it was probably an open storm water drain.

Harry The Duck

I was a pretty young fella in those days, probably about 11.  My younger brother, Ian, was with me.  We were returning home from the long gone Civic Theatre in town.  No doubt we had been to a matinee session to watch a flick.

Marella Jubes

As was customary for him for many years, Ian had a packet of the now defunct “Marella Jubes”.  These were a hard jelly lolly in fruit flavors covered with sugar.  He loved them.  I didn't mind them either but Ian was addicted.

Anyway, as we wandered along the creek we could see two giant cardboard boxes up ahead.  Ian being high on sugar suggested we race to the cartons.  So we did.

He won the race, of course.  

They turned out to be big Kellogg's Corn Flakes packing boxes..  He looked in one and I looked in the other.  

I sprang back with the speed of a startled Gazelle.  I had seen something small and brown moving in the box.  This being Australia, the country where everything is trying to kill you, retreating to a safer distance was understandable and wise.

Ian had seen me jump back and came around to stand next to me.  I edged back to the box and bent over to peer in as the box was on it's side.  There it was again.  I had seen something and it was coming toward the opening of the box.

It stepped into the sunlight for all the world to see it.

Brown Duckling

It was a tiny duckling.  It seemed quite friendly and keen on getting to know us.  We were still a little afraid of it.  Neither of us had ever seen one before, being city boys. 

We wondered what we should do.  It appeared that it had become lost and separated from its mother.  We assumed it was hungry.  We looked around but could not see anything for it to eat.  By the same token, we had no clue what ducklings ate.  

So we tossed a couple of Marella Jubes at it’s cute little webbed feet!.  Yeah we were that dumb.

Even the duckling figured we were pretty dumb I think, it just looked at us kind of quizzically.

We figured we had done all we could do and headed off toward home again by climbing up the concrete wall and onto the Lyneham Primary School sports field.  We heard some faint quacking behind us. We turned to find the duckling was waddling a meter or so behind us.

We continued to walk and it continued to follow.  This happened all the way home and it was a considerable walk for a poor little duckling.  It had to be at least 1.5 kilometers.

By now, of course, I was in love with the duckling and wanted to keep it forever.  

I showed it to my parents and tentatively asked about keeping it.  My father was incredibly unpredictable and impossible to ever figure out what he would say.  Fortunately, he was in a good mood.  Probably had already had a few beers.  He seemed really happy to keep it and even named it Harry after a work colleague.  I have no idea why they called their friend “Harry the Duck” but now that was the name of my duck.

No one could ever predict how my father would react in any given circumstances.  So we were all very surprised when he actually made a large house for Harry.  

Each night Harry would waddle into the custom built duck house and wait for me to bring dinner.  We were pretty weird people and used to feed Harry diced up rib fillet steak.  Harry gobbled it down.


In the mornings, it was also my job to feed Harry again and hose out the duck house. Ducks are pretty messy. 

Breakfast was an Aussie favorite, a bowl of Weetbix and milk.  Sans spoon, of course.

During the days, Harry would forage and eat insects and worms when my parents were doing gardening. 

Harry loved the food and was growing like crazy into an adult.  One morning I went and opened the door to the duck house and an egg rolled out.  I was totally bewildered and it took a few seconds for me to figure things out.  Harry was a girl!

Harry paid no attention to the egg and was pecking at my ankles to show her displeasure at being made to wait for her breakfast.

I put her food down so she could race over to it and began gobbling it down, as was her fashion..  I picked up the egg and ran inside to show the family.

Everyone was surprised.  Even my father, who was quite pleased that now there would be duck eggs to eat.  Harry was now, apparently, earning her keep.

On school days, after I had wandered out on my fairly long walk to school, Harry would be hungry again.  She was a voracious eater.  She would waddle over to the back steps of the house.  There she would climb up the 7 steps and bang on the wooden door with her bill.

She would do this unrelentingly until Mum opened the door.  Harry would then grab Mums’ sock and attempt to pull her out of the house.  Now to be fair, my mum was a big softy, most of the time.

She knew darn well what Harry wanted and always obliged.  As Mum walked down the steps and onto the lawn, Harry kept grabbing her sock and guiding Mum toward the gardening spade.  No matter where in the yard the spade was, that’s where Harry dragged Mum.

Digging for worms was now a part of Mums’ morning ritual.

Whenever I was not at school, Harry would follow me around like a puppy. Not just in our yard but she would also follow me to all my friends houses.  My best friend, Paul, lived on the corner and had a big house and a large yard.  I’ve learned subsequently that none of these things are as large as you thought when you view them with adult eyes.

Anyway, one day she followed me down to Pauls house and into his backyard where they had a fairly decent fish pond.  Pauls father was very handy with his hands and was always building something or gardening.  Gardening was a big thing back then.  No TV, Netflix or Internet to turn us into mindless sloths.

I figured Harry, being a duck, would love a swim in the pond.  I was confused by her lack of action when taken to the pond.  She showed no interest in it at all.  She was more interested in the surrounding gardens which were sure to have insects and worms. 

Picking her up I gently moved her to be hovering above the pond water.  Her feet were cycling in the air, seeking some sort of safe purchase.  I lowered her so her webbed feet were touching the water.  Now she seems quite uneasy.  I lowered her further until her underbelly was lying on the waters surface.

Now her panic increased substantially.  Her wings were flapping, her legs kicking like crazy, her eyes bulging and the noisy, alarmed quacking had never been heard before!

I quickly moved her to a shallow area near the edge of the pond.  As soon as she could feel her feet touching the bottom, she calmed down and was happy.  

Now I knew the problem.  Being an orphan, Harry had never been taught to swim by her Mother and so she was (understandably) afraid of the water.  In the shallow water, she was fine and just tried floating, usually with one leg cocked ready to touch the bottom.

Harry and I were inseparable around the neighborhood.  Wherever I went, Harry followed. I loved her like crazy. 

One day, for reasons long forgotten, I was in a bad, angry mood.  No doubt a decision by my parents had not gone my way.  I was sitting on a log of wood at the woodpile.  Harry was there as usual by my side.  

She wasn’t used to not getting attention so gave me a friendly tap on the leg with her beak.  

I was not in the mood and yelled at her.  

She was afraid and took several quick steps away from me.  I was suddenly in a tantrum and began chasing her.  All over the yard.  

She ran and half flew trying to escape from me and desperate to seek safety from this insane child relentlessly chasing her.  I finally stopped and went inside.

Next day I let her out of her house but noticed she was standoffish.  She was not excited and happy to see me that morning or any morning ever again.

From that day onward, she never followed me ever again.

I had a lot to learn about life.

How to get out of debt

Debt is slavery

The debt you have around your neck is no different from iron chains. The debt makes you a slave. Most people scoff at that statement, but let’s take a look and see if it’s true for you or not.

Do you have a job you must go to even when you don’t feel like it?
Do you need your job to provide for your housing, food, transportation, food, medical?
Do you pay interest every month to any banks, credit card companies or finance companies?
Do you have a car you’re paying off?
Do you have a house you’re paying off?
Do you wish you could go on an exotic holiday to another country but can’t afford it?
Do you still have a balance on your credit cards owing each month?

I’m sure you get the drift. Debt is the modern slavery and it works so exceedingly well because the slaves think they are free. In reality, the slaves are working hard and paying their masters like clockwork each and every month.

The slaves need their meagre paying jobs to pay their debt masters (the banks) and to live in a house they don’t like, drive a car they don’t like, etc etc.

The only way to true freedom is to realize debt is slavery and to bust out of it.

There are two ways to get debt free; one is the patient, disciplined way and the other is a fast and reckless way. I’ll cover both and leave it to you to decide which method suits you best.

The Patient, Disciplined Method

This method does take patience and focus and a big helping of discipline, many people lack all those things these days due to shortening attention spans and the desire for instant gratification. If you have actually read all this and not just skimmed then this method is probably best for you.

This method will achieve the desired status of debt free in the best way possible because it will not only get you debt free, it will lay a solid foundation for you to become wealthy.

Lets get to it

Cut your credit cards in half.

Yes, all of them, destroy them and never use them ever again. Credit cards is what got you into this mess in the first place, they are not your friend. They are not a “status symbol” they are just a crutch which comes with an unbelievably high interest rate.

They are an iron yolk around your neck, keeping you forever in slavery to your banker.

To get out of debt you simply cannot keep getting loans right?

So no more financing furniture, holidays, clothes, food entertainment. You must live within your means.

This is the first step and must be taken or you will slip back into using them again in a short time, because it’s so easy to do. If you simply don’t have any credit cards anymore, the temptation to use them is negated.

So let’s stop racking up debt so you have a starting point to become debt free.

Create a $1,000 Emergency Fund

Work toward having $1,000 in an emergency fund, this will cover most unforeseen events without the need to use credit cards or get a loan. Saving is going to become one of the foundations for you, so, might as well get started on it now.

Make a Realistic Budget Which You Can Stick With.

Yes, I know this is something we always hear and guess what, it’s for a reason.

It works

Make the budget weekly as its often easier to get started when thinking weekly, but, of course, monthly is fine too.

Start with your income, everything you take home, write it down in the income. Add in anything else you happen to earn, like selling things on Ebay or working extra jobs, or commissions. Keep it real.

Then write down all your expenses, be thorough and once again, keep it real.

In 1992, a large Building Contractor owed my company over $500,000. They went broke and dragged my company down as well. This left us with huge debts which we were unable to service.

I will explain some more about what we did in a moment, but we knew we had to do whatever it took.

We sold our house, our cars and bought a cheap old car. We closed our office, fired all our staff, returned all leased vehicles to the finance company, sold all personal assets and even had a garage sale to sell everything we could.

The day we moved out of our home of 14 years we basically had a suitcase each and that old car. We had to go live with the in-laws for a year.

After doing all that we still owed a truckload of money.

We appointed a liquidator to wind up the company and to arrange a meeting with our creditors.

Shortly after this, I was summoned to the Taxation Office and to bring all my accounting records. That’s really scary, I was super stressed going into the tax investigators office. He began by bullying me about all the payroll tax we owed the Government. I’m quacking in my boots and told him we had appointed a liquidator.

He asked if I could prove that. I showed him the liquidators business card, whom he proceeded to call. After being convinced that what I said was true, his entire attitude changed completely.

All he said was “Ok, well that’s the end of that, you can go”

I asked him “How come?”

He explained that the Taxation Office is just an unsecured creditor and knew from experience there would be no payout to them so they were finished with the matter.

That was all news to me, but very welcome news.

We eventually had a meeting with the interested creditors, which was 7 or 8 guys. They were quite mean and hostile toward us which made it all very uncomfortable.

After an hour or so we hammered out a deal which was later ratified by the Court. Now I was legally obligated to pay these guys back about 10 cents on the dollar.

It took 4 years but I finally paid them every cent.

As I was saying, we knew we had to do whatever it took. My wife even went and worked for a large company washing their company cars every day. I sold parking control equipment and joined Amway. I went to work at my job every day and every night I was out doing my Amway business.

Nobody asked or cared if we liked doing that, we just did whatever it took to put meals on the table!

The point is you must do whatever it takes to earn more income. Once I drove a taxi at nights, nobody cared if I liked it or not, it was what was needed.

Be prepared to do whatever it takes for yourself.

When you list out all your absolutely necessary expenses, then go back with a sharp pencil and look for where you can make cuts.

Stop doing things which are wasteful, for example, eat at home, that’s right, buy your own ingredients and cook your own meals. The meals will be more nutritious and cost a fraction of what you spend eating out.

Get rid of luxuries you can live without; Netflix, movies, partying, boozing, driving your car when you can walk or ride a bicycle, smoking, gambling, buying lottery tickets.

Cancel your gym membership, you can exercise at home for free.

Take public transport to work, if possible sell one of your cars and payout the debt on it. Boom, there goes a big chain around your neck.

Do not be buying clothes, who cares if you don’t have the latest fashion or the coolest suit in the world.

People are always buying things they can’t afford to impress people they don’t even like.

Don’t do that!

Don’t budget for clothes unless it’s something kids need for school.

Big Rule: If it’s not on the budget, do not buy it!

Everyday look at your budget, work out how much you have left over at the end of the month. Use that money to pay down some debt.

One last thing; be committed, the more committed to the budget the easier it will be to get rid of some luxuries and the faster you will become debt free. You may not even have to forego everything; I made a list of Free and Cheap Stuff You Can Use Today.

Organizing Your Debt

As I mentioned previously there are two paths you can go on this one. In either case you need to know exactly where you stand. By that I mean you need to know exactly how much money you owe. You might think you have an idea, but it’s probably way less than the actual amount.

Let’s keep it easy, if you are buying a house, you probably don’t want to get rid of your mortgage as you need someplace to live. If you do want to get rid of your mortgage or downgrade then sure, speak with your bank and get the payout figure, then sell your house making sure you get more than the payout figure.

If you’re renting, you may want to consider, downgrading as well to something less expensive.

For this section though let’s just focus on the usual debts like credit cards, car loans and any other loans you may have for pools, furniture, etc.

You may like to organize them in the least expensive per month to the highest so you get a running start at this. Maybe you want to sort them by paying out the highest interest ones first. This is a smart way to go because as each high interest loan is paid out it will be like a snowball giving you more and more to pay the others off with each month.

Regardless of which way you choose, stick to it, your life and freedom depend on it.

Put Extra Cash Toward Paying Down Debt

Sometimes extra cash you had not figured on comes into your life, tax returns, selling a car, selling an asset, selling stuff on Ebay, a bonus from work.

Best to put these toward your debt and reduce it faster. Remember every card or loan that you pay out gives you more cash next month to pay down debt even faster.

The momentum will build and your debts will begin to disappear.

A Drastic Scorched Earth Method

This is for those people who are in a really dire position where there is probably no foreseeable way out.

I found myself in this position in 2005. After a disastrous and bitter breakup with a business partner. A website I had was bringing me an income of $80,000 per month.

I purchased a beautiful 2 bedroom apartment in a gated estate on a golf course. The view was of a fairway overlooking a lake.

We travelled the world business class, drove a lovely BMW and ate at the very best restaurants and threw lavish dinner parties.

After the bust up with my partner, my income went from $80,000 to ZERO in one day.

Clearly a traumatic event of cataclysmic proportions.

Everything was wrong with the timing, not that I would wish this to happen but it was a bad time. The real estate market was in a dive. I had huge credit card bills. Everything I purchased was on cards because I wanted the points.

The creditors began calling after my bank account went dry.

I went into a depression and had to be medicated. So now I was trying to cope with all this in a medicated cloud. My though processes were not very sharp at all.

The creditors were calling me nonstop, the bank wanted to foreclose. I was able to get the bank to let me try and sell the property. I wanted to do this because I felt maybe I could get a better price.

It took a year to sell it, which was not helpful as the market became even worse. I sold it for the exact same amount I had purchased it for a few years earlier. That was not good enough for the bank, they wanted all the interest as well.

My income had still not recovered to any sort of sustainable level, so I was trying to work on making an income. Having constant reminders and stress about debt was not at all helpful.

I researched bankruptcy and found that it would relieve the constant harassment I was living with. The biggest downside I found with the bankruptcy laws in Australia is bankruptcy remains on your financial records forever.

That’s not the case in other countries such as the USA.

So, what I decided to do was to simply stop answering my phone and to cease trying to work with these debt collectors.

Sounds dishonorable, right?

Please remember these things before judging. Banks and credit card companies sell your debt. Lets look at the bank first. They got the original loan amount (principle) back all they were missing out on was future interest. They write that off against profits. Then they sell the debt to a debt collection agency, who are like sharks attacking a carcass. There is no need to feel sorry for them.

Credit card companies charge such high interest rates, and are allowed by Governments to do so, to cover bad debts. In reality, they know exactly how many bad debts they will have each year and are totally covered for this eventuality.

I just stopped communicating with them all. Eventually they stopped bothering to call me and after 5 years the debts were removed from my financial reports.

I’m not proud of that period of my life but suffered immensely form stress and depression. It was the only way out that I could see, so I took it and am glad I did.

My business began to grow again after I shook off the shackles.

Never again have I applied for a loan or a credit card of any type. The only money I ever spend is mine. If I cannot afford to pay cash for something, I learn to live without it until I can afford it.

I left Australia in 2009, I’ve travelled to over 40 countries, dozens of cities, been around the world 3 times and have had extraordinary adventures, meet amazing people and enjoy the friendship of many fellow location independent entrepreneurs.


I’m not advocating the actions I took, it’s not fun and is not for the timid but it does work. If you are in a serious situation, like I was, then do some research and weight up the consequences before deciding.

Oh, don’t go to these firms who claim to be able to magically get rid of all your debts by calling your creditors. That’s crap. Those firms will suck all the last of your money out of you and get less than satisfactory results.

Either work with the steps I outlined and work your way to being debt free or bite the bullet and pay your creditors nothing.

These Days

I live in Phnom Penh, Cambodia and was recently married here in a traditional style. My wife works for herself selling baby clothes, fashion items and cosmetics on Facebook. My work involves writing for this site, developing training courses and always looking after my leads website at Apache MLM Leads.

We are also currently developing a high end professional Web Development business Since developing sites since 1995 I figured I could probably be quite useful to anyone wanting something more than “run of the mill”. If that’s you, please do let us know at Xsited.

Live is very interesting here, I’ve never lived long term under a dictator before, so I find the politics both amusing and frustrating. Elections are coming so it is a time of heightened danger.

There a quite a few expats here in Cambodia and so we have a good mix of westerners and locals as friends. My wife’s family also lives in Phnom Penh.

Travel is still something we both enjoy very much. We’ve been to many cities and most countries in South East Asia. Travel in the last year included the United Kingdom, France, Spain, Thailand, Viet Nam, Indonesia, Malaysia, The Philippines, Singapore and Australia.

My longer term plan is to live by the ocean and become a full time writer.


I am not a financial advisor or a lawyer. I am certainly not your financial advisor and anything I say is not to be construed as professional or legal advice in any way. This information is what my own experience has taught me and should not be regarded as professional or legal advice in any way.

That day I got married in Cambodia

This is one of the posters the wedding reception company made for us

I fell asleep about 2am and then was woken up at 3:45 after what seemed like just a few minutes. It was time to shower and dress and head off to the wedding venue for a 6am start.

It’s not unusual for Cambodian weddings to span 3 days. We opted for a more condensed version of one day. It was to be jam packed with traditional Buddhist ceremonies and culminating in a spectacular dinner party night. Mixed into this would be at least 12 costume changes that I remember.

We rented a venue which is dedicated to weddings. They provide everything you need, including the meals. Before getting underway we had a breakfast of rice porridge with pork. Turns out it’s much nicer than it sounds.?

This is a view of the venue being set up the previous evening

After breakfast, we began the ceremonies. Luckily, we had a whole crew of young ladies who would do Theary’s hair, makeup and dress us both. I could get used to having women dressing me, it’s really pretty cool. At Cambodian weddings the women seem to really dig a very heavy dose of makeup. Personally, I’m not in favor but, of course, as everyone knows, Grooms have very little say in how weddings are conducted. Theary even shocked me by wearing contact lenses to change her eye color and make her eyes look considerably larger in photographs. It’s Asia, always weirdness in the air, if you have been here you will know that all personal products have whitening agents in them. So contact lenses for photos is pretty much par for the course.

Theary and the ladies who help her dress

Once we were dressed, myself, my son, Kris, my pretend parents and a bunch of others form a procession in the street to bring gifts to the Bride and her parents. It’s actually a very sweet tradition and serves to make one a little humble and show respect to your future wife and her family.

Our gift bearing procession starts in the street outside the wedding venue

Presenting our gifts to my bride

After presenting the gifts we are permitted to enter the wedding venue. We carry the gifts and make our way upstairs to the place where the ceremonies will take place

Presenting gifts and blessings to my pretend parents

The morning is all about Buddhist ceremonies and blessings from the monks. Unfortunately for me, it also requires a lot of sitting on the floor, kneeling, lots of blessing with ones’ hands held in front of your face as in prayer (Sampeah) . The monks do lots of chanting, sprinkling everyone with water using a brush made from plant stems. Tons of flowers everywhere and lovely incense.

The monk in the background greatly surprised me by speaking English.

The monk in the above image and I made a real connection. He spoke some English, was very forgiving of my clumsy efforts at sitting and following Buddhist customs. I met with him 3 days later and gave him some gifts from Australia. We had a good chat and both really enjoyed the meeting.

The morning ceremonies are all very sweet. Sometimes I was given only a moment’s notice and a quick run through on some quite complex moves I was expected to make as tribute to the parents in law and the monks. That was a little stressful but I got through it by making everyone laugh when I screwed up.?

Kris and David blessing us with a donation.

After lunch we were given some respite and so headed home for a quick nap. My head hit the pillow and immediately I fell asleep.

Theary left earlier than Kris and myself as, of course, she had to do makeup and hair again. Each costume change she made was accompanied with another hair styling.

Kris and I headed to the reception venue and ran into terrible traffic. Afternoon traffic in Phnom Penh is always pretty bad but today it was too ridiculous. We decided to ditch the taxi and walk the last kilometer in the hot, sweaty, exhaust laden afternoon.

All good though. So yet another costume change and then time to meet and greet the guests. Each guest is welcomed , thanked with a sampeah and a small gift. This takes up some time, about 3 hours I think. During this time I had another 5 costume changes!!?

Most guests like a photo when they arrive. This is at the entrance to the reception area

After all the guest have arrived and have eaten and drunk plenty of alcohol we changed once again into more western style bride and groom clothing. As is normal here, we then walked down an aisle between all our well-wishing and excited guests who showered us in flower petals. In Cambodia it’s traditional to stop the passage of the bride and groom and request them to perform some task. The first one involved some kissing.

The next one was a bit more serious and required skolling a glass of black label whisky. I did the right thing and downed mine and then rescued Theary by downing hers as well.?

This task was pretty easy as I was quite parched

After the inevitable speech, which I made sure to keep short and funny it was time to toss the bouquet to the eager crowd of singles. Theary threw it quite far so the lovely ladies in front had no chance as it sailed over their heads and into a group of guys at the back.

Theary about to toss the bouquet

There was a desperate bid to be the winner and for a while it looked like the flowers would be destroyed by the guys attempts at claiming it. However, finally sense prevailed and a winner was congratulated.

Theary and I danced and enjoyed the time with all our friends and family until the party finished about midnight. A long day indeed, but not over yet. We decided to carry on at a favorite bar in Street 104 called Oscars. At 2am we finally called it a day. A day for us to truly remember.

Don Reid – Apache Leads

Don Reid – Apache Leads


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Don in Paris

Whats your dream? Is it to have enough money to travel, to put your kids thru college, buy a new car, buy a bigger house?

There really are not  a lot of jobs out there that provide enough time or money for you to live your dreams.  You do know this by now surely?

The bad times are coming and you better be prepared. The stupid trade agreements most of the world just signed are going to be a stepping stone to making all workers slaves… no rights, no options, nothing… if you are still a worker, you will be doomed.

You need to get your finger out of your arse and make some money now.  dont give up, do whatever it takes so you can escape what is coming down toward you at 100 miles per hour

Next year will be too late

Wow bet you never expected to read that from Don Reid Apache Leads but…I guarantee you its true