Hey Ron. I really know where you're comin from. For over a year (since just before our baby was born) my family's income was short almost 40%. Add to that all of the bills from the hospital related to birth, and it made for a real nightmare. We've only in the last month gotten our feet back under us.
But anyway, to the meatof the matter... I know you said you didn't want to ship, but would you consider sending the yamaha to austin, tx? If so, and you are willing to hold it until the 16th of next week, get me an estimate of the shipping, and drop me a line.
Best wishes,
Richard