Reciting alif instead of ain in سمع الله لمن حمده

Q:

1.Does it break namaaz if in Semi Allahu limen hemideh one pronounce Alif instead of Ain in Semia?

2.Does it break namaz if one adjusts this mistakes already being up from ruku, meaning in the position standing straight when you say Rabbana lakal hamd?

3.Is sajda-sawh required for that?

4. If one did this mistake in witr namaz and then adjusted it at the position of Rabbana lakal hemd, then decided to make sajda-sawh, but in last tashahud he recited also Allahuma Sali and Allahuma barik, is his witr valid in shaa Allah?

5. I may not understand it from question 4, so please kindly answer separate – is it allowed to read all duas in last tashahud if one is going to perform sajda-sawh?

Nisaab of zakaat

Q: If a person has a certain amount of cash only, has he to base his calculation for determining the nisaab based on existing rate of silver or gold? The reason is there is a vast difference in the market rate of a gram of silver and a gram of gold. Please advise. Jazakalkah.

Medical insurance

Q: I am a new Muslim and I had a medical insurance which I took before I became a Muslim which I am still paying. I have a medical condition in my heart which recently my insurance had covered the medical expenses when I needed it, since I didn't have any other means to pay for it at that particular time. Is medical insurance haraam?

Mazi

Q: When I was in the first stage of sleep I had some sexual thoughts and after few minutes I slept completely with no wet dream but I felt wetness after I woke up, so ghusl is waajib on me or not due to those dirty thoughts?

Compulsory provident fund

Q: Alhamdulillah, I have been offered employment. However, I am concerned as according to the contract and information from the human resources department, it is compulsory for me to belong to the company's current provident fund. This fund also includes a contribution towards life and disability cover. My questions are as follows: 1. Is it permissible for me to accept the employment contract? 2. If I may accept the contract, what would I do if the fund either pays me or my dependents? May I give the returns (interest, insurance benefits) to the poor and keep the capital investment (my contribution and the employer's contribution) for myself?

Delaying the witr Salaah

Q: My question is about witr Salaah:

1. After performing Esha Sallah at 8.00pm, can I delay my Witr Salaah till 11.00 pm(my sleep time)?

2. Can I combine Tahajjad and witr at the above mentioned time?

3. What will be my last Salaah before I go to sleep, Tahajjad or witr?