Okay, I think I'm starting to understand.... Our equipment: 2 iPhones 1 iPad 1 Macbook Our goals: -We want to share ALL photos together through photo stream with all four devices. -We want to share SOME reminders, but it isn't necessary for her to see all of mine or me to see all of hers (e.g., work related stuff, etc.) -We want to be able to find each other on Find Your Friends on both iPhones -We need to have all apps shared (already a large sunk cost--should be able to sync using iTunes account and not be a factor with iCloud, right?) -We already use google for e-mail and shared & individual calendars and it works great; I don't see a need to sync this with iCloud..am I right? Correct me if I'm wrong on the required setup: All four devices need to have the same iCloud "main" account, so Photostream will sync. Each iPhone will need secondary iCloud accounts for reminders, and individual stuff. The iPad and Macbook will need to have all three accounts for reminders, because they are shared devices between us. And if I'm right, how do I switch what the "main" account is on a device? Our new phones should show up Friday, but I've been playing around on an old deactivated 3GS via wifi and our iPad..and I didn't do it the way above yet.... Please correct anything I have above if you see that I made a mistake!