I prefer Paypal. Payment is expected within 3 days of auction close. I love to save YOU money by combining shipping/insurance. All shipping/insurance costs are responsibility of the buyer. Paypal purchases will ship normally ship the next shipping day, definitely within 5 working days of payment. I do not sell anything I would not buy myself, and I do my best to describe items accurately. My return policy depends on the item. Check specific aucion for details. If you need to contact me, please use ebay message.