There will always be those that take advantage of Americans' generosity. But potential contributors should not use those concerns as an excuse not to give.

The lesson learned here is to find more out about the charities you contribute to.

Most charities are honest and are spending money with full accountability, but you won't know who they are unless you bother finding out more about them.

If they don't have a plan, it may be a sign of good intentions, but bad management. It may not be evidence of fraud, but it may indicate whether the donation will be used effectively.

The urgency and overwhelming need of the earthquake victims is all the more reason for donors to check out the organization to make sure their gift is being used wisely and effectively.

Just because the company is making a gift on their behalf doesn't mean their purchase is deductible.