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I use owncloud for home/personal. It requires some tech knowledge to setup/get started, but other than that it's not much different than dropbox. With the exception that the files are stored on your server. The paid app for android or iphone is well worth the 5 bucks or whatever I paid. You can also get an app called "photosync" for iphone that syncs up your photos to your owncloud server from the phone, so no more icloud backup and the wife watching photos stream in from an event! ;)
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