I prefer paypal, but will accept money order and cashiers check. No personal checks please. If bidding outside the U.S., please e-mail me for shipping costs. Do not send payment until you have done so. If you are unsatisfied with your purchase for any reason, I will refund the cost of the item after it has been returned to me. Shipping fees will not be refunded. Insurance is optional. If insurance is not purchased, I am not responsible for any damage or loss that may occur during shipping. Thanks.