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I always thought that the only way to get money from paypal is to transfer to your bank account.

Could you please give more details,,,,,,????

If you are not fully adept on this it is probably a method best avoided

How do you convert a 'personal' account into a 'business' account? Please&&Thank-You!

You change it through account settings.

If you sell buy it nows at a fixed price, (reach your monetary limit for the month)

What you can do towards the end of the month (7days before the end) is end your listings and list as many auction listing as you can , spread it over 7,5,3 days so you list on three different days, but all ending within 7 days ( a day before your limit is reset) That way you get a few extra sales in, and then your limits are reset, so you get your 100 items back at the start of the new month. Only works if you do not mind auctions and taking a bit of a hit on your BIN price, but in the long run can be beneficial, more feedback etc. Hope it helps