I get most of my current news and info from academic servers, and most of the pages there are from current magazines, academic papers, etc., and have this or something similar at the bottom: "Copyright of Kiplinger's Personal Finance is the property of Kiplinger Washington Editors Inc. and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use." Does this include citing something from their papers and articles on a message board, or is that not 'individual use'? Or is it the same as how the Wall Street Journal not allowing anything at all anywhere to be posted from their articles? I'm not sure what a 'listserv' or whether posting on a message board falls under 'individual use'.