I am trying to record vocals using Cubase SL with Creative Audigy 2
Soundcard (OEM version supplied with Dell PC) and a Creative SD-500
microphone.

Unfortunately, it only records in the left channel when I set the
audio track to stereo, even though I believe I've correctly set up the
VST Inputs to be IN 1+IN 2

Also, I am a bit annoyed that Creative only allows 48 and 96 khz
sample rates, when most things seem to be at 44.1, so I was
considering a Tascam US-122.

However, I'm confused about the microphone inputs for the Tascam.
There seem to be two XLR phantom powered inputs (whatever that means)
but my mike just has a ¼" jack on the end so I don't understand how it
would fit in.

Sorry if I appear stupid to anyone, but I've only just started in this
and it's all so new to me. I would appreciate any help from someone
more experienced than myself.

Thank you,

Pete.