SSH Tunneling - Poor Techie's VPN

"Why SSH Tunnels instead of VPN? Well, I actually use both at home. I use a 3-factor authentication with OpenVPN (user name, certificate & One-Time-Password). But if I want to check on one of my servers from the house via my Android, or a computer where I don't have administrative rights (required of my custom portable OpenVPN client), or even tunnel vnc over ssh to fix a problem on my better half's Linux laptop then SSH is my backup to using VPN.

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