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Money orders are easy to buy and cash, and about as simple to fill out as writing a check.

Fees vary widely, so check in advance. Avoid using a credit card.

Once you fill in the recipient's name, the money order is safe from misuse.

If you're paying a bill, include an account or invoice number to ensure the payment is credited correctly.

It can take up to 30 days or more for a refund if you cancel your money order.