hi i respect your idea as well but i i dont like and niether the reciever dont like the money to deliver as plenty of neighbors to get jealous so thats why we both like the moeny to collect , no problem eith that as i am using moneygram in 4 years now without any problem the only problem with this is the charge so thats why i am looking something cheaper , anyway what you reckon will the xoom allowed money to collect by the receiver? we dont like the oney to deliver we both like to be collected will they allowede on that? thansk a lot?