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Replacing my current MBP with what?

Hi Scotty
Question.  Why will I have to pay for iCloud when I run out of whatever?  First thought is that it is a scam since they want credit card number.  Can you help please?  
Thanks,

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This day has been coming for a while now. Here’s what it all means. If you were a MobileMe subscriber many years ago, when Apple made the transition to iCloud, in an effort to appease people who had paid money, they gave extra iCloud storage space to everyone for a period of time. That time is up. Your iCloud storage space went from around 25 gigs to 5 gigs. If you want to keep your iCloud 25 gigs of storage space then Apple would love for you to pay them $40 per year. In my opinion, there is absolutely no good reason to do this. iCloud holds your contacts, calendars, some documents (if you created them in iWork applications such as Numbers, Keynote or Pages), as well as about the last month of pictures. That is going to continue. For most people, 5 gigs is totally enough to continue to use iCloud syncing services like the ones mentioned above. iCloud does not, and has never been an online storage area for your entire iPhoto library. This is a misconception shared by many of the people I work with.

The iCloud storage space is also used to back up your iOS device (iPad or iPhone) if you so choose but again, there is really no need to back up your device to the cloud. Let’s say you drop your phone in the lake (like I did a couple years ago). What did you just lose in terms of data?

Your contacts and calendars? No. Those will sync via iCloud and live on other computer and at iCloud.com whether you buy more space or not.
Your pictures? No. Your pictures are moving into iPhoto via photo stream if you turned on photo stream. And everyone should turn on photo stream!
Your music? No. No music lives on your iPhone that does live in iTunes are can be downloaded again from the iTunes store.
Your movies and apps? No. We no longer buy files. We buy permission to download those files for the rest of our lives. So if you bought Jaws 3 years ago and had it stored on your phone so you could watch it after going swimming in the lake later that night on the boat during the overnight campout, you can just redownload it again from the iTunes store once you’ve gotten a new device.

The one thing that you WILL lose is the order or arrangement your apps appear on your device. Which apps were on the front page? Which were in a folder? etc…

You will lose home videos you took on your device whether you have iCloud backup turned on or not. Those items do not move to the cloud until you connect to a wifi network. Which brings me to my next point. You can set your device to sync and backup to iTunes over wifi in your home already so the case to pay Apple $40 more just to keep the order of your apps seems pointless to me. I suggest you save your money. Do not pay for more space in iCloud and instead buy something nice for yourself.
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