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My main concern now is on the first 6 soundcards listed in the link you gave if sorted by lowest price first, is the interface.
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I'm not sure what you mean here. Could you restate your sentence?
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I'm only recording one channel here so I'm mainly worried about latency and sound quality. Is there actually a difference?
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I've heard that latency can be higher on the USB 1.1 units, but this is a generalization (which may mean it's bullshit). In other words, you should research a specific unit you are considering to find out about latency.
Sound quality is the same regardless of whether Firewire, USB 1.1, or USB 2.0 is used.
I know you only plan to record a single channel at a time, but I've got a feeling there will be a day in the not too distant future where you want to use two mics on acoustic guitar or something. I understand you are on a limited budget (I know the feeling!!!) but just don't limit your future too much.
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I just don't know if the quality of the SM57 vs. the LD74 is worth paying $250 total or $200 total.
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I've never heard of the LD74. For this reason alone, I'd recommend the SM57. However, don't buy a brand new one!!! Just hop on Ebay and snag one for $70. I've bought 6 on Ebay over the years and they've all been just fine.
Brandon