What is the best way to exchange MTGUSD to USD? Are there any better ways to exchange MTGUSD to real USD with lowest fees and the shortest time?

I had mining some bitcoins and exchange them to MTGUSD at Mt.Gox. But how do I actually use the USD in real life?

I proposed the following solutions but cannot determine which is the best one:


International wire to my local bank, with 15~25 USD as fees. (of course I had more than 50 MTGUSD)
Exchange them to MoneyPak at #bitcoin-otc. Then deposit them to Paypal Dollar.


The first one seems logical, but the fees are so high. If I have only 100 MTDUSD to transfer then the transaction fees will be about 25%.

The second one seems good but it's really complicated. First I have to figure out how bitcoin-otc works, then I'll need to figure out how moneypak -> paypal and calculate the fees (4.5 USD?). Furthermore, I cannot calculate the total fees and the time for transferring.
You can sell MTGUSD directly at bitcoin-otc or at bitcointalk. If you deal with reputable members, the risk of a receiving a chargeback is minimal.
Note that you don't need to register at bitcoin-otc to do this. Just drop by the channel and announce that you are selling.

Bitinstant used to have paypal withdrawals, but they aren't working at the moment.