If you don't currently have enough funds to pay for shipping, you will indeed have a hard time. If you can ship, be sure you include a tracking number. PP will release funds upon proof that item arrived at the destination. Thus, the 21 day hold rarely lasts a full 21 days.
Rolling reserve is a percentage of sell price that they keep in escrow against combined sales - to protect against loss to paypal if you flake off any of your future sales.
The method that worked well in the past is so old, so dead, and so buried that it doesn't even merit description.
Not trying to be a hard-@ss to you, but bluntly honest: don't try to find any advantage to cling to. This year is the most hostile year I have seen for newcomers and this is the worst time of year every year. Combine this season with this year and you can and should expect difficulty. If you are serious about doing business, tough it out. But I wouldn't be doing you any favors by telling you puffy cushy softy stories about any chance that money will come easy.
I firmly believe that if people are honestly told what to expect and if those people view the information realistically, they don't develop any false expectations.
I'm not your pediatrician and this *IS* gonna hurt.
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