Thanks. If you turn off iCloud how will that affect normal use? Thanks!
Unless iCloud somehow holds your only backup (and I don’t think this is normally the case), it will minimally affect you.
This tutorial to optimize iCloud for your iPhone will give you an idea of what’s there.
http://9to5mac.com/2014/08/31/ios-7-how-to-manage-your-icloud-account-storage-space/
I don’t know if turning these off will immediately delete your data on iCloud, sadly. Also, I don’t know if any credit card information in Passbook is in plaintext in iCloud.
Pinging Swordmaker for more...
> Thanks. If you turn off iCloud how will that affect normal use? Thanks!
It just won’t back it up but you can buy software that will backup your iPhone to your computer pretty inexpensively
Depends on what regular use is. You can go into your settings and selectively block what you don't want going to the cloud. For myself, I never allow pictures to automatically go to iCloud. I selectively pick pictures and use sharing to stream them to relatives and friends. The public can't access them, and the pics are harmless if seen.
If you turn off iCloud then you're losing the ability to access your other data from multiple sources. Pick your poison. You can use your own encryption for data prior to it going to iCloud, then no one but who you choose to have your encryption password can access the content. As others mentioned, invest in NAS storage. I have two hard drives connected to my router so all my computers can share content, as well as do backups to them. Critical files are encrypted and protected. Periodically swap hard drives by cloning them and storing in a safe location, as protection in case your NAS disappears.