Have the kid. These are golden windows, once missed it will never come back. The will always be work. There will always be promotions as long as you are a good worker. I have friends with 3 kids. Each time she comes back from maternity, she gets promoted.
I would say do not declare bankruptcy... 4.5% loan is cheap vs the consequence of bankruptcy. Unable to fly, unable to buy things etc. I will advise u pay off first. Only invest with money u can afford to lose.
Im answering this in the area of online shopping on taobao. My usual drill is to use ratex, however this time i tried youtrip as youtrip seems a dollar cheaper than ratex. Ratex 349 china yuan cost about 71 sgd Youtrip - based on their mastercard website 70.14 Results - Winner ratex However at the end, youtrip charge me 360RMB instead of 349RMB. Theres a 3% not sure if its from mastercard or youtrip.
The most cost effecient method is interactive brokers. Trades are around 1 dollar per trade. They have a platform fee of 120 a year. All these waive if you got 100k usd or more park. With them. Down side : harder to setup - it's a us broker with the nearest call center at hk. If you lose you token etc be prepared for international calls. Funding and removing funds happens usually within a few hours during sg working hours. You can fund in sgd to their citibank account and transfer at fx spot rate to currency that you like. They are the biggest brokerage company in US not much to worry about them running bankrupt. After all they survive lehmen, dotcom etc.
If you are talking about china listed stocks A or B shares, those are almost impossible to get for retail investors. You can either A - buy a china etf. If you are refering to Chinese comapnies, e.g Tencent, alibaba, baidu, jd.com, etc - these are actually listed in US stock exchange most brokers with access to nasqad or NYSE can do it.