Intending talaaq by saying "ab khatam"

Q: My husband gave me divorce in 2 sms's within half hour intervals on the 21st of September. Then after 1 month he made but without any guilt. He continuously makes threats. I agreed to go but couldn't go back as in the last moment I talked to him and he quarrelled again. So on the 17th of December he used the word aab khatam and said he signed the paper. But still I didn't get the paper. Is divorce complete should I sit in iddat?

Buying an item on terms for a fixed price

Q: I want to buy furniture for my house as I am shifting to a new flat. But I can't really pay cash currently. But the shopkeeper is charging interest on that. So is it permissible? I have heard that if I know the total increased price then it is permissible. e.g If I buy a car now I have to pay 8000 but on instalments the new price will be 10,000. But they increase it and say that its the interest rate. However I know the final price so is it permissible?

Aspiring to get rich

Q:

1. I want to get rich and very soon. I am being honest. I saw a wazifa on the internet and would like to make sure if it is valid or not? After Esha Salah read “Ya Musabbe bal Asbaab” 500 times. Durood/Salawat 11 times before and after the wazifa. But the condition is that you must read it outside with nothing on your head. No cap, no scarf, no Hijab, no tree, no shade, no roof. This wazifa is considered to be ikseer for rizk. Within days you will become rich. InshaAllah. The wazifa is stated above. Please tell me whether is it correct or not?

2. Secondly I want to score all A* in my IGCSE exams this June. Please tell me any dua or wazifia that will be helpful.

Wearing a lungi

Q: (1) Is there a Sunnah or a preferred manner of tying the lungi? (2) Is it from among the Sunnats of Nabi (Sallallahu Alayhi Wasallam) to just wear a lungi and sleep i.e bare chested? (3) The lungis in some eastern countries, like Malaysia, Indonesia etc., are not a rectangular sheet, but instead, the long sides are sewn together to form a tube shape. Whereas the lungis in Yemen etc. are a single linear sheet. Please advise as to which type is better to wear.

Marital issues

Q: I'm engaged with a girl three months back but 20 days back a guy called me and pretending that he had an affair with that girl and physically also, but the girl is denying that and promised on her parents, on Allah and on the Qur'an also that she is pure and no one has touched her. I did istekara also one month back but I didn't get any feeling or dream. Her father is a good man and a heart patient. I don't know what to do. Whom to belive? She is ready to do a virginity test also. I am totally confused. Please guide me whether I should marry her or not.