I think making $110K is a decent amount in Singapore. Calling people loser is uncalled for. You are such a shallow person. How much do you make then? There are people who makes millions also doesn't have this kind of arrogance and superiority complex like you. How old are you? I really despise people like you. Do you have a wife, children or real friends?

You are also very naive too for putting so much weight to having a degree. Very typical of a child who was instilled by parents that a degree will fetch you big bucks. Wait till you reach 45 years old