Your responsibility, as a seller, is to deliver the card to the buyer, and, if necessary, prove it. Whether they realize it or not, all sellers insure every package. The only question is: Are they buying insurance through a third party, or are they self-insuring?
If you purchase no insurance and the package doesn't get there, are you willing to cover the loss, or do you want someone else (USPS?) to cover it.
On sales tax: sellers don't "charge" tax. They collect it for the state/county/city. Sellers who have a physical presence in the community they ship to are usually required to have a tax license and would be wise to collect it from you. If not, when they get audited, they will have to pay it to the taxing organization anyway.
In most (not all) cases, if the seller doesn't collect it, you are liable to pay the tax directly to the taxing organization. In Ohio, for example, it is a line item on their state Income Tax forms.
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05-28-2009, 11:53 AM
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