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This actually depends on different factors. The expenses will be one of the things that is needed to be considered. If the sum of the expenses of buying the second hand tricycle plus the expenses on fixing it is equal to the expenses that will be able to buy a first-hand tricycle, it is better to just buy an original one.

Filing for bankruptcy will give you a fresh start to your business and remove you from all the payment needed from that business of yours but ofcourse possesion and benefits from that small business will be voided will no longer be in your hands instead it may be either sold to some other individual who is willing to pay the debts or completely stopped from existing though that may not always be the case but there is still a better chance of it being sold instead, anyway you will be able to make a fresh start but without the investment money of course, you are just given the ability to avoid paying the debts that come along with the business, filing for bankruptcy doesn't always work out it mainly involves how much money it is in debt with and how big the money that was invested in it

It would make sense to plan for your future situation. To avoid going into debt, it is recommended that you find another job that suits your schedule that will help you increase your salary. The next step after planning is to save money, invest it on simple companies or even stocks that will help your money grow.

All banks have a savings account. It does not matter if you are handicapped or an oridinary person. You can easily open a bank account here in Singapore, and open savings account. You just need to sumbit the requirements that they need. Most of the banks here in Singapore are recognized abroad so you do not need to worry about it.

If proven guilty, she can be sued for violating the law. She was a scammer who committed fraud. Because of her dishonesty, there are pesons who has been hurt. Also, her way of gaining money is by scamming others which is done inappropriately. If there is a video or photos of what she has done, you can immediately file a case against fraudulent.

Assuming you guys earn about $3,000 per month, either one of you have a DBS / POSB Credit card, spend $1 or more every month, you can try DBS Multiplier Account. You get 1.9% p.a interest for your savings in the DBS multiplier credited "Monthly"! Thus if you deposit 600 x 12 = 7.2k , at 1.9%, you'll get about $135.05 for the first year, the 2nd and 3rd year and so on, compounded even more as you will add $600 monthly.