Wearing niqaab with decorations

Q:

1) Are women allowed to wear niqaab with long flaps and also have decorations on it?

2) Is it permissible to get a piercings on the top part of your ear?

3) If a burqa I've been performing salaah with is only see through in the sun, will salaah be permissible and do I have to make qadha of the salaahs that were performed?

4) Is is correct for women to walk a distance to attend the weekly community ta'leem?

Practising Islam secretly

Q: I live in Paris. I am contacting you for a serious case about a person who wants to convert to Islam. The person who converted to Islam is stuck because of his parents. He can not separate from his parents but he wants to convert and practice Islam, at the same time he is afraid of his parents.

Daughter seeing her father having relations

Q: If a daughter looks at her parents having sex through a small hole. She was young and saw her dad's penis erected and looked for a little while and then felt discharge within her while looking. She can't remember exactly if there was lust with in her but she just looked at her mum and dad having relations and saw her dad's penis erected. But can't remember exactly if she had lust or she looked just so. But she said she don't think she would have lust for her dad. Is her parents nikaah valid?

Wearing a taweez

Q: I visited one aamil for my personal problem. He gave one small paper contain Arabic numbers in it and asked me to keep it under a heavy stone. Also he gave asmaaul husna to recite for 21 days. Is it taweez? Is it permissible in Islam?

Home Financing through an Islamic Bank

Q: Our community bank offers Shari’ah compliant home financing which is structured as follows:

1) The Muslim buyer will select the property and the bank will purchase it with a contract for immediate resale to the Muslim purchaser for a fixed amount that will include the bank’s profit.

2) The Muslim buyer will be given a fixed price that will not vary with interest rates.

3) The Muslim buyer will have to sign a contract to buy the house from the bank before the bank purchases the property from the original seller.

4) The bank states that they will take a loan on which they pay interest from a secondary source to finance such a purchase. 

5) The bank states that the buyer will have to insure the property.

Is this form of finance permissible and Shari’ah compliant?