Thank you sdsearch for your explanation of bluebird and Walmart and your right, if it takes 18 trips to Walmart on the mainland it would be cost prohibitive plus 18 shot days, so not worth going that route.

brplane here mentioned paypal and when I looked at the paypal site it says
https://www.paypal.com/us/webapps/mpp/paypal-fees "Sending money to friends and family is free for you and the recipient in the US when you fund the transfer with your bank account or PayPal balance. You can also use a debit or credit card or make an international transfer for a small fee.
USDebit/Credit card fee2.9% plus $0.30 per transaction (the sender decides who pays this fee)" so *IF* I can get the roofer or other contractor to accept payment by paypal could I then pay them the $16,000 through paypal and pay 2.9% fee but get 16,000 Chase UR points if I use my Sapphire card?