Attending the Durban botanical garden trail of lights event

Q: A few Muslim people that I have come across have said they are going to attend the Durban botanical garden trail of lights event. This is where the whole garden is lit up and there are light decorations and things like that. 

Upon looking online I found that there are a variety of lights, and some include a Christmas tree, the animal carrying a cart with Santa Clause, there is even people dressed in crusts outfits and Santa clause. The advert mentions it is in the spirit of the season as well. This is a non Muslim event and there is also music and other things. 

These people still insist there is nothing wrong with just seeing lights and say we not going there for the Christmas items just to walk around and see the lights. 

Mufti sahab, many Muslims are going for this event, and they believe there is nothing wrong. Please can you check it and provide a ruling stating why it's not permissible to go there and the reasons to get them to understand. I can forward this to all of them.

Is there "Islamic" insurance policies?

Q: I have noted responses indicating insurance and any policy that covers estate costs and costs associated with death is Haraam. There are companies like Tazkiya and Capital Legacy that say they have Shariah compliant policies including life insurance and these are accredited and supported by learned people in some cases but in the main they are validated by Muslim people. What are the views regarding this?

Conveying salaams to Nabi (sallallahu alaihi wasallam) from anywhere in the Masjid

Q: 

1. When in Madina Munawwarah, can a person give Salaam to Nabi صلى الله عليه وسلم from anywhere in Masjid Nabawi? 

2. Can the above action also be done while sitting outside the Masjid while at the qibla wall side? 

3. Can salaam also be given to Abu Bakr and Umar رضي الله عنهما from these place or is it only possible when directly in front of the Qabrs?

Being charged 'Processing fees' when buying on installments

Q: I am seeking guidance regarding a matter related halaal and haraam. 

I live in the United Arab Emirates, and we are not very well off, we struggle at times to buy things apart from the necessities. 

There are two fintech companies TABBY AND TAMARA. 

Tabby was shariah compliant initially when they started, splitting each bill into 4 installments and so was tamara. Tamara is still 4 installments. But tabby has now introduced installments in 6 months, 8 months and also 12 months and when they started here, there was a fatwa on their website too, they don't say that it is interest, there's an extra amount that they charge which they call processing/service fee, I want to know is that interest? I have multiple payments spilt across because I did not know it and just realised it, also because initially there were fatwa on the tabby website. For tamara, there is also a fatwa and they have mentioned names of scholars who have given fatwas 

All of the shariah resolutions are attached on their website too, so I want to know if what they calling the 'Processing fee' is not interest and allowed for me to use as it is really helpful, and if it is not, then I have multiple payments spread across both companies and I am not in a position to pay it all off as we struggle big time financially. As someone striving to act in accordance with the teachings of Islam, I want to ensure that my actions are pleasing to Allah Ta'ala.