holister16,
Here is what JPaules is referring to. Generally speaking, if you think you might at all use the same software on a different computer (such as when one dies or you replace it for whatever reason), then you have to get retail. If you get OEM software, then yes, yer up the creek!
OEM = Original Equipment Manufacturer.
OEM versions of software are supposed to accompany specific hardware they are tied to. Therefore, if you build a new computer, or buy a new desktop/laptop, and you buy OEM in order to get around the larger fees with retail, you had better make sure that you intend on ONLY using that software with that machine.
OEM versions of Windows and Office is what you get when you buy direct from HP, DELL, Acer/Gateway, etc.
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"If to err is human, then I must be some kind of human!" -Me