YOU DO NOT NEED A PAYPAL ACCOUNT TO PAY WITH A CREDIT CARD.  By submitting a payment you agree to the terms of service.

THANK YOU!

I do not personally conduct your payment process.  It is done through Paypal.  I have no access to your credit card information or your Paypal account.  When you click on "Buy Now" you are taken to the Paypal site to make your payment through Paypal.  Then Paypal places the funds in my Paypal account. 

Each payment is a one time transaction.  You may cancel anytime.  All future payments will be invoiced and you must actually log on and pay each month or mail a check.  This is for your security--and since I do not have your information, it must be paid via Paypal (or mail) every month as an individual transaction, not an automatic bill.