I am doing different, Electronically we can transrer money in 2 ways, Wire transfer- It costs $ 50 for $5000 and Domestic transfer-It costs you $20 for $5000. Domestic transfer: Your families have to contact to the nepelese bank-Kumari Bank, standard chartered Bank, Himalayan bank etc and get the routing number of that bank and the name of their associated bank at New york. You can inquire about it with any bank you are dealing here and back home,too. You do not need to involve any individual if you choose this option.It costs a little more, but bank to bank transaction.