Paypal is preferred.Insurance is optional but advised for all electronic and fragile items. We will not be held responsible for items that are damaged during shipping.We do not leave positive feedback first- if you are happy with your product please post positive feedback and we will return in kind. If you are not happy please contact us before posting negative feedback.If you are using e-checks by Paypal please remember that this service can take up to 7-10 days to clear after payment is made.