What should I do to have a working computer at home?

Hi. I had plans this year that I couldn't fulfill because my laptop stopped working properly a while ago. I wanted to get some voice over training done and learn some art programs for free through a free online learning system, and work as a work-from-home transcriptionist.

This work and vocational training requires me to have a working home computer, either a desktop or a laptop.

I was waiting till I had the money to get my laptop serviced. My laptop is old and wasn't under warranty.

I am not particular about what kind of home computer I have, but I was told it's better to have a desktop than it is to have a laptop; with a desktop you can do a lot more.

Should I get my laptop serviced or should I buy a new laptop or desktop?

Is it cheaper to buy a new laptop than it is to service one?

Are laptops cheaper than desktops?

I want to get insurance for my old laptop. If I do buy a new laptop or desktop I will get insurance for it.

I have some old desktop computer towers that run on old OS's that I would like to get serviced but that's another story.

Please help. Thank you.