you did really great work there , doing such research.
Copied posts should not be welcomed here , one or two is a different thing but he seems to have made a habbit out of it.
IF you look at his posts , we can see he is not quite good at English but get's really good when he copies it.

https://bitcointalk.org/index.php?topic=1004668.msg11643814#msg11643814

Maybe he should be warned once, banning someone directly would be bad.

I am not agree with your opinion.

The very best method to saving money is to create a Spending Plan or a Budget (learn how to make a budget). With a budget you figure out what your income is and what your expenses are. Once you know these two things, you can look for ways to reduce your expenses or increase your income to allocate an amount of money that you can afford to save. This is how the world’s largest corporations do it and this is how most of the world’s successful business people do it. This method takes a little bit of work at the beginning and a check-up every year or two, but it works.

The secret to this method (if you want to call it that) is to identify what you are spending money on so that you can begin to plan your spending. Once you begin to plan your spending, you will gain control over it and you will be able to plan to spend money on your savings. In other words, you will plan to put money into your savings account. Many people don’t like to plan their spending because it involves a little bit of work (once a year). No one is saying that success will come easily, but this little bit of work will pay off big time in many areas of your finances. We dare you to try it - what have you got to lose?