A Difficult Decision....

[Zero]

Please excuse this post that most likely boarders along the lines of spam. However, a difficult decision has come to pass and I feel this is my only sanctuary which enables me to releave some tension.

After hearing the Lsi-9's for the first time they immediatly stole my heart, sounding so seemingly flawless even on modest equipment and positioning- a real treat. Since then I have conjured up to the best of my ability, any logical means to obtain them.

Here I stand now, with enough physical cash in my hands to purchase even the LSi-15's, and I degress... I can choose neither. Other expenses simply demand my attention - more so then these speakers I am afraid. Things have gone so well up till this point, just amazing how those things happen.

Its not the end of the world by any means - but I just need a good rant at the moment. I am going to invest a small portion of this money into a cheap replacement...

I am trying to look on the bright side, when this system is obtained- oh how sweet it will be......

Keepin' hope alive....

Z

[GZ]

The reason we wake up every morning and bust our butt at work is so we can treat ourselves to some of the nicer things in life now and then, weather we need them or not. Go ahead and treat yourself, you deserve it. Then sit back, open a cold one and enjoy!

[capitan100]

I agree...go ahead and get them now. Then you can sit back and enjoy. Either use cash or cc, beg borrow or steal, but those LSi series speakers just can't wait. I would have myself a set if I could afford them.

I would trade my SDA's in a heartbeat...even though I love them

[LiquidSound]

I'd trade a vital organ or three.
But you know your situation. If other matters fall apart because of your speakers..you'll never be able to enjoy them as much. Always a nagging guilt. At least that's how I would feel until the matters were cinched up..and done so in a timely manner. Don't stretch too much. Keep in mind the unexpected. Priorities man. Priorities.

[mantis]

Owning the Lsi series speakers is such a treat......pleasure(word it the way you feel)I think every Polk head should own a pair someday.I feel they are such a accomplishment,Polk hit a home run out of the park with this series.......simply excellent...I hope they contiune it unchanged except maybe offer more wood colors and add some to the center,sub........anyways,ATCvenom,you'll get em one day.....tomarrow or the next.........keep putting away those pennies and they will soon add up to a pair of LSI.........;)

[Zero]

GZ, Captain,

Thanks for the words. Your logic is the type I normally adhere to myself, but certain situations call for certain responses. Afraid that paying $660.00 right now is just not a smart decision on my behalf. I have a large expense coming up and have no steady income at the moment...

Liquid,

Ah yes, priotities, truer words were never spoken. Damn those friggen priorities. And that nagging guilt is exactly what would happen, I feel it would be better to wait, where I can afford the whole package , etc.. :)

But still, I love audio and it truely does suck to settle, and downgrade nonetheless. Ah well. Such is life.

Z

[jrausch]

What ever happened to 0 down and 0 payments until next year.
DAM you finance man, DAM you!!!

[Frank Z]

AtcVenom,
Hide the checkbook, cut up the credit cards, and DO NOT finance anything!! Take care of what needs taken care of...Do not get yourself into a hole over a pair of speakers!! Yes there are more important things in life. Don't worry...Polk will make more!

[jrausch]

Franks right, save your money (pay cash). They will probably have the SDA versions out by then anyway. They are nice speakers, but not enough to go into debt for. If you buy them now, you'll just want matching subs. I once got a second job, just to buy my CRS+'s. The wants always outweigh the needs. Keep your passion from becoming an obsession. Food, is a good thing.

[gidrah]

Good rant. Keep you priorities straight and remember that the more you spend, the more you'll regret it when you find something better.

Boy, I'd felt like a schmuck if I'd sent that Onkyo.

[Zero]

Gentlemen,

Once again, thanks for the words. While writting my rant I already concluded not to purchase the speakers due to other things which demand my attention and cash at the moment. Also worth noting I dont finance on want items - period. The cash has to be there.

I am going to BestBuy today, pick out a cheapy system I can abuse, the limit will be around 300 bucks for everything. This will hopefully do until I make a major leap foward to two very important items: Krell KAV integrated amp. And the Dynaudio Contour 1.3 se's. :)

Awwwww you can still send the Onkyo Gidrah, really, I dont mind! haha :D

Z

[capitan100]

ATC...Your logic is a very good one. Kinda sounds like my wife when she says...do not use a cc..use cash. I don't want to be paying finance charges on these things. Usually when I buy stuff. I have to sell something else to help ease the pain. I have already had to part with some polk speakers. I had a cs200 for the center and a set of rm6200's, but I was only using two of the satellites for the rears. The other 3 speakers weren't even being used. When I had a chance to get my rt1000i's for the rears and the cs400 for the front, I had to sell those other speakers on ebay. That helped ease the pain a lot. Good luck. Maybe you can go through the basement or attic and pawn off a couple of old treasures. I still have a cocktail galaga arcade game sitting in my garage I'd like to get ride of. It doesn't work though. I think the power supply is shot and I am too lazy to get it looked at or fixed. Maybe that will be next on ebay.

[Dr. Spec]

My rules of financial survival:

1) If you use a cc, pay it off every month. NEVER carry any credit debt.

2) Never buy what you cannot afford to pay for that day in cash.

3) Never live beyond your means, and maintain a net positive cash flow at all times.

4) Always have at least 3 months of all living expenses in liquid cash in the event you lose a job.

5) Always pay yourself at least 10% off the top first in the form of IRA, 401(k), etc.

6) Always be willing to sell (even at a loss) any non-critical materials goods you own in a heartbeat to keep a roof over your head and food on the table.

Doc

[TroyD]

I would agree with Doc.....Wendi and I live with those same guidelines. However, she is a big fan of the 12 months same as cash option on larger purchases. As much as I love audio, it's just not something that I'm willing to go into debt for besides there is just too much good used gear out there, cheap.

Being in the military you see a lot of younger people getting into real trouble with debt and it's crazy.

BDT

[Zero]

Agreed with all of the above. Audio is simply not something worth getting into debt over.

btw Dr. Good plans! :)

Im just trying not to become another statistic.

[Ron-P]

I'm right there with the Doc, except, if you budget a monthly payment, I have no problems with the triple 0, 1 year deals.

Heck, I did this with my Mits and paid it off in 10 months worked great. We did another one for all new master bedroom furniture.

You get to keep your money in the bank, making interest on that money.

Other than than that, we operate on an all cash basis, besides the mortgage (which will be gone soon) and the car payment.


Peace Out~:D

[jdavy]

DR. Spec,

You are recommending what less than 1% of the us population is doing. Based on your system, you are in good shape. If you are a MD and have been in pratice for 15+ years or more and follow your own advice you would have $500,000+ depending on your investments. Following the rule of 72, how often do you double your investments? Every 6 years.

Seriously Dr. Spec has really good advice for you to follow. Save first and then spend the rest. I do not mind the 0% deals personaly. I see it as a form of discount when you consider time value of money. Hey that is how I built my HT system.

Pease,

James