yes that would include sending money to another person, and just ask your bank if you can set up a savings account, if not ask if you can go over the limit and just show them you have the funds to do it
unless someone has one that they are willing to sell you prob wont be able get one that cheap, the cheapest one i know of is a samson go mic, and thats $40, if you want a good mic you pretty much need to spend over $75
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