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Re: iPhone, iPad, iCloud, and my photos
No. Photos uploaded to My Photo Stream or Shared Photo Streams do not count against your iCloud storage.
The photos you upload to My Photo Stream are stored in iCloud for 30 days to give your devices plenty of time to connect and download them.
Cloud pushes all your photos to the My Photo Stream album on your devices and computers, and manages them efficiently, so you don’t run out of storage space. Your iOS devices keep a rolling collection of your last 1000 photos in the My Photo Stream album. From there, you can browse your recent photos or move the ones you like to your Camera Roll or another album to keep them on your device forever.
Since your Mac and PC have more storage than your iOS devices, you can choose to have all of your My Photo Stream photos automatically downloaded. In iPhoto or Aperture preferences on your Mac, be sure to select Photo Stream > My Photo Stream > Automatic Import. All of your photo stream photos will be imported into your Events, Projects, Photos, Faces, and Places folders in iPhoto or Aperture. On your PC with Photo Stream enabled in the Control Panel, all of your photos will be imported into C:\Users\<user name>\Pictures\Photo Stream\My Photo Stream.
3 ways of using 2 iCloud accounts on a PC
1) Sign in and out of iCloud whenever you want to change users (not recommended, since it could get VERY messy)
2) set up a second user account on the pc and set up your iCloud account on there....this is what I did. Now you can grab her pics and yours, but nothing else gets messed up.
3) set up another iCloud account strictly for photo stream. Set up your primary iCloud account as a secondary and have it sync everything else....set up the photo stream account as the primary and turn on only photo stream. Now you will have your cal and mail and all the other stuff on your main account, and just photo stream on the photo stream account. Now all of your pics will go to your iPhoto.