I am selling a fireplace insert on craigslist and the guy wants to pay with a money order?

No way . I sell on craigslist also and that one sounds like a scam to me . Ive got counterfeit money orders before . When they say " REGARDS " most of the time its from someone from another country .The only truth he is telling you is he is out of town way out of town . Craiglist even warns you about that . Tell him cash or paypale or nothing You may even tell him western union will work well there is a Western Union no matter where you go