if u have time, read the 1st website, then the next:

http://lkyspp.nus.edu.sg/ips/docs/media/yr2010/ST_Save%20or%20spend%20Two%20sides%20of%20the%20coin_260710.pdf

then this:

http://ayummysliceoflife.wordpress.com/2010/07/26/the-difference-between-a-social-scientist-and-a-culturalist/

very interesting 3rd POV, HAHA. he basically ownt.