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TELL THE AGENT AT THE COUNTER THAT YOU ARE SENDING THE MONEY TO A FRIEND OR RELATIVE SO AS TO PAY LESSER CHARGERS . My life right now is a little jacked up but, I press through the bad days and revel in the good . I'm sorry to hear about your dad - sounds like you have had a rough time lately.Follow the agency advise so as to pay lesser transfer charges( Tell the person at the counter that you are sending the money to a friend or relative as this kind of transfer has lesser transfer charges and are tax free).