Payment is due no later than 10 days from the close of auction. If payment is not received, item will be re-listed and I will leave negative feedback. I can only accept Paypal, Money Orders, or Cashiers Checks. NO PERSONAL CHECKS! Insurance is optional, BUT I CANNOT BE RESPONSIBLE for items that are NOT insured. CANADIAN POSTAGE IS OF COURSE HIGHER. Insurance starts at $ 1.30 for items $ 50.00 or less. I will accept returns, but will not be responsible for return postage. Thank you.