Sorry no personal checks. If you want to pay by money order/cashiers check pleasure let me know.All items are sold as-is unless other wise stated. Combine shipping is highest shipping cost and any single cd after that is $1.00 each, Double, triple and quads will be more.Insurance is optional, but if you do not get insurance i can not be blamed if item is lost or damaged.I always leave feedback after the buyer gets his item and is happy with the transaction by leaving feedback to let me know he o