Losses can not be avoided but there are ways it can be cut off in huge amount and you are still receiving the amount in dollars using xoom, in fact this is the one I would recommend if someone will send a money from US. The charge is 7.99$ if you want the recipient in Philippines to received the money dollars and 5.99$ if you want the money in pesos. If someone would send you more than 2,999.$ then I suggest divide the amount into two deliveries. If you don't have a dollar account in the Philippine bank, xoom is still offering a money pick up in dollars in any BDO branch and SM outlet.
Of all the available money transfer here in the US, I would still recommend xoom. I tried 3 of them and xoom is still the cheapest compared to western union and money gram. It's fast and reliable. The hassle in your first sign up has a lot of questions but this is because of security reasons like they will ask your personal address and some sort of personal things which you the only one knows, in this way security breach can be avoided. Its like opening a bank account in a bank, you can not just expect that you would entrust your money and just walk away.
I've been using xoom for almost 3 years and I dont have any problem at all and for the following reasons.
1.It alerts me on my email if I send a money to someone
2.The money is always on time
3.You can cancel the transaction right away if you are not sure
4. Security and reliablity, I guess I have a peace of mind knowing the money I sent is received on the exact recipient.
Please don't be cheap if you are transferring a wired money because there is always a price to pay for that. If your relatives has a problem in signing up, like there is something to clarify there is always a customer support number that hey could call in the US and help them to assist in the process.
I am responding to your inquiry because you seem need help and not properly informed. I am just a happy and satisfied customer for their service for 3 years and counting.