year 2013 - transferred 45K to Nepal via BoA to just one person without a trouble. It will ask you a reason and i simply put "Family help". Also many other smaller transaction between 22k -2k ..no issues .....Why people worry when you know you have not done any wrong...
When you send, send money in the currency of sender (that is $) not receiving party currency. They will give you very low exchange rate. When the currency is send in $$$, the bank in Nepal gives you the equivalent Nrs at their bank rate which is much higher. Don't send money as investment otherwise you will have to report in tax filing (not sure how it works but during tax filing it always ask this question); just send as family help. BoA charged me $48.00 and I believe it is flat rate. so if you do smaller transactions its not worth it. Go to Walmart send via MOneyGram and the charge is $ 9 for upto 8-9K

hope this helps