Just paranoia on my part Mel. Have no past experience getting burned from overseas at all (only BBTS though), but from locals - 3x, Guess my thinking went like -" if the locals does that to me, imagine if it were an overseas one, how the heck am i suppose to claim for it when they're way over there??"

I just recently applied for a paypal account, but havent used it at all . Mebbe someday but Im still quite squeamish about it. Baby steps hehehe