Hair dye

Q: I would like ask when getting ones hair professionally dyed, bleach (ammonia) is normally used to aid in transitioning from dark to light or vice verse. I have heard that ammonia forms a layer over the hair but am unsure whether this is true as Islamicaly permanent dyes are permissible. Please let me know whether getting ones hair dyed professionally is allowed particularly when it's to cover grey hair as a means of adornment for the husband.

Retirement plan

Q: When I started working, I took out an educational plan for my children. However, they misinterpreted my plan for a retirement plan. Am I allowed to use the money from this retirement plan even though the intention was for an educational plan?