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Portable recording device with playback while recording new track (w/without overdub)

Hi everyone, I am new here. I am looking for something like the Zoom H4n / H2 that I can use as a portable recorder, but also plug into a PC and use as a USB mic. I would also like to be able to play back a track on the device and record a new track without overdubbing.

playback delay

Does anyone happen know why there is a playback delay when recording on to my laptop?

Even when an instrument is plugged directly into the laptop, there is a half a second or so delay between playing the instrument and hearing it through the headphones.

This is obviously quite a hindrance! Any ideas would be gratefully received

Will this help my playback issue? (more inside)

Using Magix Music Maker:

Midi playback skips and studders terribly, and says 100% of my cpu is used when I use multiple tracks with the synth. I know I have enough Ram and my processor is good. What I'm wondering is if the payback midi thats on my computer is causing this problem, and if getting a new soundcard with a better driver will fix this.