Online articles can be very helpful, as long as you follow up with visits to potential retirement spots.

FORBES: Where in the World Should You Retire?

The big upside, however, is that distributions from Roth IRAs are generally tax free so long as you follow the rules.

FORBES: Taxes From A To Z (2013): O Is For Ordering Rules

Berger said texting can be a great way to give so long as you thoroughly vet the request for money and make sure to use follow all instructions for responding.

WSJ: Hoaxes, scams abound after disasters like Boston