How I do it:
1) mine coins
2) open Mt Gox trading account
3) open Dwolla account and tie it to a debit card
4) transfer mined coins to Mt Gox (few mins)
5) Sell coins at market price (few seconds or mins)
6)transfer your USD from Mt Gox to your Dwolla account (never took more than 1/2 hr for me)
7)ACH transfer to your debit card( next day during the week)
from coins to USD in 1 day with almost zero fees
Is this safe and secure? I love that it's simple . . .