If you need to send or receive money from abroad quite often then you most certainly know that the expenses for these operations are serious. Using on-line payment systems can reduce them significantly.
For example uploading funds to your Moneybookers wallet is free of charge. The only thing to do is to have a bank account and transfer the amount into their bank account with your number in the reference field. This normally takes up to three business days. Then you can send money to whoever you want (you need just to know their e-mail). Moneybookers will explain him/her how to open an account and withdraw the money easily.
The taxes for the transfers are more than fair 1cent for every dollar but no more than 50 cents. And the withdraw is just 2.7 dollars no matter the amount. Or if you prefer they can send a cheque for just 5.1 dollars.
m.trifonov