Thanks for the advice everyone. Here's what I did....
My husband knew the size and model bike he wanted--51cm Cervelo Soloist. When I found one online at roadbikereview.com I wanted to get it. That's when I made that post.
Paypal wasn't a good option because they don't offer any protection over $1000 and thats offered only if it's bought on ebay. So, I did a little research and found escrow.com. For a fee of about 3.5% they manage the transaction. You and the seller agree to the price and inspection period. You send the money to escrow.com, they alert the seller the funds have cleared and to ship the merchandise via a trackable shipper. Once they receive notice (from the buyer or shipping company) that the merchandise has been received, the inspection period kicks in. Once the buyer accepts the merchandise or the inspection period ends, the money is sent to the seller. If the merchandise is not accepted, the buyer ships it back to the seller via a trackable shipper, once the merchandise is received by the seller, they refund the money to the buyer.
So, I got this bike for my husband for Christmas:
[font=Arial]51cm Cervelo Soloist Frame 2005
Alpha Q Sub 3 full carbon fork
Alpha Q Carbon Handlebars
Alpha Q alloy stem 110mm
Alpha Q Cork Bartape
Cervelo Carbon Seatpost
FSA integrateted headset
FSA Carbon Mego EXO 170 mm cranks
FSA 53 x 39 chainrings
Full Shimano Dura Ace 10spd. components
Dura Ace 10spd 12-25 cassette
Serfas Titanium Saddle (not pictured)
Neuvation SL Wheelset 700c (lighter than ksyriums)
Schwalbe Evolution Tires
Cateye Cadence Computer[/font]
His brother, who is also a cyclist, verified everything was there. All of this for $1800. The guy who sold it replaced all shifter and brake cables before sending it.
I highly recommend escrow.com if you have a specific bike you're looking for, detailed description of the item for sale and a seller who can ship it.