Here's a hot-topic question that I'm curious on. You want to get that gear now, but you don't have the cash. Credit Cards and Financing is cheap to obtain as a pack of bread (well, maybe not). I'm curious on how many members here at SH do financing? I made a poll here because I'm really curious. I do financing only if it is a 0% promo dea;. I'll even do deferred interest financing because I will always pay it off before the interest kicks in. If you want to know who offers 0% deferred interest financing, some examples are Music Direct, Paypal Credit, and the Blispay credit card where you can use 0% financing on anything above $199. I recently used Paypal Credit to purchase the Woo Audio WA6-SE haedphone. Total cost is $1071 due to Black Friday. Three weeks in I put down $200 towards the item. And I still have more than five months to go on it. My plan is to pay it off in one-two months. I was also approved for the Music Direct Store Credit Card with a $5000 limit. Was thinking on getting the Mr.Speakers Ether Flow headphone from them (since Music Direct will offer 12 months 0% promo deferred interest. What I do normally is put down 20%-30% of the cost at time of purchase. So when the purchase is charged on the account and ready for payment, I just do the payment on the spot. Then pay it off when there's two months left on the promo.