Paypal, Money Orders, Cashier's Checks are preferred methods of payment. Personal checks accepted: 10 day waiting period for check to clear. Fee assessed for NSF checks (what my bank charges me) to complete transaction & avoid neg feedback/non-paying bidder. See listing for return policy. Insurance is $1.65 up to $49.99. Not responsible for items damaged or lost w/o ins. SAVE ON COMBINED SHIPPING FOR MULTIPLE PURCHASES!