thanks for your reply---it's nice to know I'm not in the boat alone. Doing things the OLD fashioned way still works. I know it is easier and quicker to use paypal but I don't think everyone realizes that the cost of using that credit card, costs the seller and therefore the cost is passed on to the buyer. Honest buyers and sellers call still be found. I have had no problems with personal checks and buyers understand that it will take a little longer to get the item. I normally send the item out the day after I get the check as long as their feedback comments are good. I've given up on the numbers and the star system, to confusing for me. thanks again for taking time to send your message.