I found a sure-fire way to get around the 21 day hold on PayPal. SELL STUFF ON CRAIGSLIST LOCALLY AND GET CASH. Granted, you can usually only get about 70%-90% of the price you can get on eBay, but it's local, instant, cash (I met a guy at a bank once and we borrowed a side-room to transfer property and cash) and you don't have to put up with the corporate nonsense you see with eBay/PayPal. One hint. Meeting your buyer in a public place like a meeting room in your local library, a starbucks or McDonalds also works well too and they have a lot of room to spread-out. Make certain that you ask for CASH in advance and leave and go straight to the bank when you're done. Ive done that numerous times in the past year. I always get a higher selling price on eBay, but then I have eBay feeds, PayPal fees, Shipping fees ... and now the 21 day hold on PayPal is just too much. I've got $1250 sitting there waiting for me. I had plans to spend the money on after-Christmas sales, but not this year I guess.
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