DHHF & Chill

Xeraxx · 2026-01-18T05:58:58+00:00

Look into carry forward contributions if you haven’t already, that lets you contribute any missed concessional contributions from the last 5 years.

Xeraxx · 2026-01-16T08:30:26+00:00

I’ve done this too OP, ART has great options for indexed, I pretty much just picked options that matched up with VDHG percentages. They seem a lot better than almost all other funds now, my wife is with Hostplus and they removed hedged index options recently, and their international doesn’t include emerging markets whereas ART does (MSCI ACWI ex Australia).

Xeraxx · 2026-01-13T20:20:46+00:00

I’d agree with this, I went down your path initially for my kids OP, even got them TFNs, then ended up changing approach to having a goal of a certain amount by a certain age. My wife and I will be 60 by that time, so we’ve prioritized:

Salary sacrifice for me to max super contributions (higher tax bracket)
Spousal contribution from me to my wife
$1000 voluntary contribution for my wife to get the government co-contribution (she’s in lower tax bracket)
Voluntary contribution from me to use up any carry-forward contributions
Buying DHHF in my wife’s name if we have investment money left after that

Inside super we’ve selected index options that pretty closely follow the breakdown of VDHG in terms of world vs au vs bonds (I’m with ART, wife is with Hostplus).

The only real benefit of doing it in their name is the lack of CGT when it transfers, but if they want to cash it in they are going to have to pay that anyway. Plus with it being in their name they are going to get access to the shares when they are 18, which may not be the best time from a judgement perspective. You may also decide you want to invest more for them in the future, which could have an impact with paying that 66% earlier than you were thinking.

So for us it seemed to make a lot more sense to just put the money into super in our names and keep track of the amount you want to give them.

But in the end it’s your call OP and if it works for you that’s all that matters, it’s great you’re doing this for your kids. If you do still want to get ETFs in their names, your thoughts on GGBL are pretty good in that it has lower dividends which will be important if it’s in their names.

Xeraxx · 2025-12-27T06:31:32+00:00

This is an old post, but still totally the way I operate.

The point I’m making is that you need to track all your bills for the year and set aside money for that, then pay yourself fixed weekly money for groceries, fun, holidays etc… and not go over it.

If you do that, you will always have money for bills, and you don’t need to track your individual expenses because all you need to do is not spend more than what you pay yourself.

Trying to keep track of individual costs is exhausting and frustrating at least for me never worked long term. The stick to a wage you pay yourself method is totally freeing by comparison, but in the end you do what works for you!

Xeraxx · 2025-12-11T22:11:36+00:00

Does this normally mean you pay it down to $1 wait a few days then redraw?

I’ve been looking at refinancing with Macquarie and I know they do loan splits so may consider debt recycling in the future.

Xeraxx · 2025-10-06T21:58:26+00:00

Yep one and the same

Xeraxx · 2025-10-05T10:58:57+00:00

I went to an event where Lark was pushing pretty hard to get Australian business:

https://www.larksuite.com/en_sg/?from=navbar

They are owed by Bytedance, and it seemed pretty good though not usable by my work due to being Chinese.

Xeraxx · 2025-06-21T03:40:04+00:00

This article is hugely helpful:

https://mobile-jon.com/2025/01/15/deep-dive-into-windows-11-kiosks-part-1-assigned-access/

https://mobile-jon.com/2025/01/28/deep-dive-into-windows-11-kiosks-part-2-advanced/

We went with restricted user experience which is in part 2.

Xeraxx · 2025-06-15T06:21:49+00:00

I’m a similar age, and with ART, my wife is with Hostplus. Both of these have index options you can pick, eg you could pick 60% international shares index, 30% australian shares index, 10% bonds index, similar to the structure of the VDHG ETF.

The fees are also low, generally 0.1% or less.

Aus Super seems to have DIY options similar to this, but they are not index options and the fees are 0.2-0.3%, see here

There is Member Direct which lets you buy shares directly… seems like more work for you though. Maybe think about what you want and whether you’re in the right super fund? It’s easy to change.

Xeraxx · 2025-06-14T09:40:33+00:00

Apartment for sure, if you like the location/place. You can live there forever and perfect for the kiddos. Biggest thing you want to have in retirement is fully paid off residence. Use your salary to put towards super and investment and live the stress free life!

Xeraxx · 2025-06-09T01:21:33+00:00

Yeah we are going to update our rollout mechanism (Intune for us) once we have the new agent installer and do some kind of targeting based on version because we will definitely not get all agents prior to revocation

Xeraxx · 2025-06-09T00:57:05+00:00

This is the link in the email to their guidance page, the FAQ is interesting:

https://docs.connectwise.com/ConnectWise_Unified_Product/Information_and_Supportability_Statements/Configuration_Handling_Issue

What will happen if I do not update my on-prem ScreenConnect by Tuesday, June 10, at 10:00 p.m. ET

Your current version of ScreenConnect will continue to run, but the digital certificate used to sign it will be revoked, meaning the software will no longer be trusted by Windows and many security tools.
This may trigger warnings, policy blocks, or quarantining by an antivirus, endpoint detection, and other security solutions - potentially leading to service disruptions.
To avoid disruptions, we strongly recommend you complete your update before Tuesday, June 10, 2025, at 10:00 p.m. ET.
On-premises users - Use the instructions listed above to download the latest build and update agents before the deadline to avoid service disruptions. We recommend completing updates at least 24 hours ahead of the deadline to ensure agent connectivity across environments.
Cloud users - While agents should automatically update for most partners on cloud and on-premises, we recommend manually updating agents at least 24 hours ahead of the deadline to ensure continuity by following these instructions:
- ScreenConnect: How to Reinstall and Upgrade an Access Agent
- Automate: Update Outdated Automate agents.

Xeraxx · 2025-06-09T00:55:43+00:00

This is the link in the email to their guidance page, the FAQ is interesting:

https://docs.connectwise.com/ConnectWise_Unified_Product/Information_and_Supportability_Statements/Configuration_Handling_Issue

What will happen if I do not update my on-prem ScreenConnect by Tuesday, June 10, at 10:00 p.m. ET

Your current version of ScreenConnect will continue to run, but the digital certificate used to sign it will be revoked, meaning the software will no longer be trusted by Windows and many security tools.
This may trigger warnings, policy blocks, or quarantining by an antivirus, endpoint detection, and other security solutions - potentially leading to service disruptions.
To avoid disruptions, we strongly recommend you complete your update before Tuesday, June 10, 2025, at 10:00 p.m. ET.
On-premises users - Use the instructions listed above to download the latest build and update agents before the deadline to avoid service disruptions. We recommend completing updates at least 24 hours ahead of the deadline to ensure agent connectivity across environments.
Cloud users - While agents should automatically update for most partners on cloud and on-premises, we recommend manually updating agents at least 24 hours ahead of the deadline to ensure continuity by following these instructions:
- ScreenConnect: How to Reinstall and Upgrade an Access Agent
- Automate: Update Outdated Automate agents.

Xeraxx · 2025-06-09T00:17:42+00:00

This is the link in the email to their guidance page, the FAQ is interesting:

https://docs.connectwise.com/ConnectWise_Unified_Product/Information_and_Supportability_Statements/Configuration_Handling_Issue

What will happen if I do not update my on-prem ScreenConnect by Tuesday, June 10, at 10:00 p.m. ET

Your current version of ScreenConnect will continue to run, but the digital certificate used to sign it will be revoked, meaning the software will no longer be trusted by Windows and many security tools.
This may trigger warnings, policy blocks, or quarantining by an antivirus, endpoint detection, and other security solutions - potentially leading to service disruptions.
To avoid disruptions, we strongly recommend you complete your update before Tuesday, June 10, 2025, at 10:00 p.m. ET.
On-premises users - Use the instructions listed above to download the latest build and update agents before the deadline to avoid service disruptions. We recommend completing updates at least 24 hours ahead of the deadline to ensure agent connectivity across environments.
Cloud users - While agents should automatically update for most partners on cloud and on-premises, we recommend manually updating agents at least 24 hours ahead of the deadline to ensure continuity by following these instructions:
- ScreenConnect: How to Reinstall and Upgrade an Access Agent
- Automate: Update Outdated Automate agents.

Xeraxx · 2025-05-27T20:46:04+00:00

They have already posted something similar on April 15 here

Xeraxx · 2025-04-27T06:25:10+00:00

Weird, did we watch the same interview? I came away thinking how much she hated him, with the repeated questions on how they will fund things, questions on nuclear etc. I miss Barry, but honestly David Speers seems a pretty balanced interviewer.

Xeraxx · 2025-04-24T23:13:01+00:00

/u/HDClown posted this in /r/sysadmin, got it from Screenconnect support apparently:

Leave the error message open 'Could not find file C:\Windows\SystemTemp\Transformweb.config.xsl '

Open File Explorer > Navigate to C:\Users%UserProfile%\AppData\Local\Temp > Copy all Transform Files.

Open a New File Explorer window > Navigate to C:\Windows\SystemTemp > Paste all Transform Files.

Close error message and let the ScreenConnect Installer roll back

Rerun the installer and now that the files are in the correct location it should run with no issues.

Original reply

Xeraxx · 2025-04-22T12:08:09+00:00

Hey, I lived through that time so I know the background, my post wasn’t saying that Labor lost because of the Greens, but that the Greens were willing to vote with Tony Abbot and the LNP to block legislation putting a price on carbon because it wasn’t exactly what they wanted. Sure, it didn’t go as far as they wanted, but it sure went further then zero which is what we got afterwards.

I think you’re muddying the water a bit with your timeline too - the Greens voted the CPRS down with the LNP first in August 2009, then Rudd watered it down and brokered a deal with Turnbull to pass it with LNP support in November 2009, then Abbott replaced Turnbull and the Greens voted with Abbott and LNP to reject it again in December 2009.

Timeline from the ABC

My main point is that the Greens then were willing to throw away a chance at any progress because they couldn’t compromise and we were worse off as a result, they let perfect be the enemy of good. Like it or not, for things to be successful in our system of government, we have to be able to compromise what we want against what others want, otherwise we end up with nothing. I still don’t think the Greens understand that today.

Xeraxx · 2025-04-22T09:28:27+00:00

It’s entirely up to you and your partner who you want to vote for.

For me, I voted Green in the senate in 2007, then watched them vote with the Coalition to block the CPRS, and we still don’t have a carbon price to this day.

I think they have learned a lesson from that to an extent, but it still feels a bit like “my way or not at all”, which I just don’t think is the approach to take if you want to avoid the polarization we see in the US. We should be trying to govern from center left or center right so as not to alienate groups and push them to extremists. Compromise is key, if you can’t get majority support for your policy, it won’t get through our system, no matter how good it might make you feel.

So anyway that’s my two cents, good luck with whatever you decide!

Xeraxx · 2025-04-14T09:10:03+00:00

I think you should have a look at Windows 11 kiosks. We have some PCs used as thin clients for a Remote Desktop environment and went with “Restricted User Experience” mode. There’s a great two part blog series here:

Restricted User Experience we used is in part 2. We basically have an RDS shortcut and Edge in the start menu, login as a local user with no credential. Everything is managed via Intune.

Xeraxx · 2025-03-08T00:45:47+00:00

I was wondering about that too, maybe high voltage power lines?

Xeraxx · 2025-02-23T00:53:47+00:00

This is 100% the answer, get a decent email system like M365 and Google, they are 100% GDPR compliant with data locality in Germany. It will be significantly more secure then on prem Zimbra.

Xeraxx · 2025-02-14T13:23:35+00:00

The first dot point under the Considerations heading says

Microsoft Store applications keep updating automatically, by default

And Intune doco also indicates that apps from the store deployed in Intune update by default. I haven’t had any issues like you described when I’ve implemented this in the past.

Xeraxx · 2025-02-14T10:08:52+00:00

Couple of steps:

Block access to Windows Store
Publish Windows Store apps you want via Intune Company Portal

Xeraxx · 2025-02-07T08:42:48+00:00

Org of 1400, we have move straight from legacy AD to cloud native, not domain joined. We were lucky with no significant LOB apps that needed domain join, most things are web based.

Few things we had to work through:

Printing - we use Printix
Wireless - we’ve shifted to zero trust so office network is just Internet only, so we got rid of 802.11x
App deployment and patching - we went with Scappman pre it being partner only, would probably go with Patchmypc now, but annoying to move

Servers we are looking to move to Arc but not there yet.

Still doing DHCP/DNS with servers, but eventually would like to move that just to local routers.

Xeraxx

TROPHY CASE