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    Alexander,

    Research is when you independently acquire new information that no-one else has known before.

    Scholarship is when you read others' independent researches and form your own opinion.

    Reading a printed or web article is as you say no different - much independent research is now published online as well as in printed journals for immediate availability.

    Copying and pasting from the web is plagiarism unless you quote the source.

    And for what it's worth getting back to the topic, I'm currently enjoying life on a personal pension thanks to careful planning and saving that started 40 years ago, I'm sure you will agree that is even more important today if a crisis is coming.

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