I've been using xoom.com since 2008,at first they have a not too good impression to me.One time,I send money to my family in the Philippines,and it took several days for them to get it.My husband told me;what if it is emergency,and someone is dying,and they need the money immediately?2009 we stop using them,because we are not happy about their service.Couple months ago,my aunt ask me to send money for her family in the Philippines.She couldn't do it because they max out their limit.So,I did send money,and I warn her that it may take some time for them to get the money.But she told me that it's okay with her.For my surprise, it only takes an hour for them to get the money.I was impressed by the changes of xoom.com.I started using them back right now.Last time,we send money Saturday;I checked our bank account immediately to see to it if they already credited our account,I did not see any transaction from xoom until Monday.But still,they got the money on time.It was really a relief to know that you can send money overseas without too much hassle.What you need is a laptop,and internet connection,and you're ready to go.Xoom only charge $4.99 per transaction,and a limit of $2,999.Monthly limit is $6000 if I am not mistaken.