Buying the standalone versions of Office 2013 will get you maintenance updates only, but staying subscribed to Office 365 will give you big updates coming down the pike in the future as well. Office 365's subscription-based cloud service comes in tiers: Home Premium (20GB of SkyDrive storage and 60 minutes of Skype world minutes a month included), Small Business Premium (shared calendars, business-class mail, HD conferencing), and ProPlus (enterprise). Office 2013 will come in a variety of versions for home and business users, and you can get the current pricing and version breakdown here.
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