Paypal is accepted and preferred, and insurance is OPTIONAL. Payment must be received within 7 days of closing and EMAIL contact within 3 days of winning auction. If an extension is needed, please email me with your request and we will work things out. If payment is not made within 7 days, I reserve the right to relist PLEASE CLICK ON THE CALCULATOR FOR S&H FEE, KINDLY DETERMINE THE S&H FEE BEFORE BIDDING - AVOIDS ANY MISUNDERSTANDINGS LATER- THANK YOU:) SMALL HANDLING FEE INCLUDED.