I use coinbase all the time with no problem. You can find your coinbase account and hold the funds in the account as cash then when you are ready to but Bitcon you can buy and send instantly. By funding the account I'm is dollars and holding it that way you don't have to worry about getting burned when the price of Bitcoin is all over the place. There is still a wait time on the funds when you use this method but since I know I'll be buying something in the future I just fundvthe acct when I have the extra money so it's there when I need it.