Payment is due no later then 10 business days after auctions end.Please do not bid if you do not intend to pay.I except pay-pal,money orders,and cashiers checks.It takes 11 days for personal checks to clear at my bank that is why I don't except them.I will always combine shipping on smaller items,and give the best combined shipping price I can on heavy items.Insurance is optional but recommended I pack extremely well and I will not take responsibility for broken items.Thank you and happy bidding