Semen

Q: I read online that semen is pure so since semen is taahir if we get wet dreams and semen gets into our clothes and body we don't need to wash it. Do you agree?

Health benefits from the side of the employer

Q: Is it permissible for Muslims to use the health benefits offered by the employer via an insurance company?  The employees fill the forms of the insurance company and send them to the health department. Nothing extra (regarding health insurance) is deducted from my salary. My salary, as per contract, is fully provided to me. Is it permissible for me to use these health insurance benefits?

Tawbah

Q: I did something bad and have made sincere tawbah. As of right now, I have not repeated it. I was wondering if there is anything I can do (dua' or action or anything else...) to make Allah conceal this mistake so as to protect me from the embarrassment and humiliation of it being exposed? Please give me sincere advice and make dua' for me.

Selling a property that one purchased with an interest bearing loan

Q: I saw an add on Internet for sale of land. I wanted to buy that land but I didn't have enough money. So I contacted the bank and fixed the loan. As it was property of a private owner, so bank bought the property, paid amount to the seller and gave me loan. Land price was 100,000. I have 5 years loan period, amount of payment is fixed to 150,000 only if I pay within 5 years, above the principal amount 50,000 is interest (in bank's terms, because it is a conventional bank) but I considered it as I'm buying the property at a high price and amount of money is fixed at the beginning. I will pay this amount within that period if I don't bank will charge interest. Is this contract halaal?

Now after few months have past and i'm paying off that loan, I realised that I have made a mistake because first, I will not be able to pay off this loan within this period and secondly I think its not halaal. I have put this land for sale. I have in my mind that I'll do lots of istigfar and still begging Allah to forgive me. I have decided i'll never deal with conventional banks ever. Is it all right if i sell the property now? Where bank will not share in any loss or profit, rather it has some fixed fees it will charge for breaking the contract. Although, that land is not going to be sold in profit, may be equal to the same actual price of 100,000 or may be less than that. Whereas I have paid more than that amount in terms of lawers fee, council charges, bank fee and interest to bank (as I considered extra payment as high price). Was that contract halaal? Can I sell that property now? I had dream on two different nights that a storm in the ocean is approaching us. What does it mean? Is it related to the whole story?

Calling a person Haafiz

Q: In local culture, when we address a hafiz of the Quran, we add the name "Hafiz" before mentioning his name, e.g. "Hafiz Zeid". Is this counted as a bida', or is it just a form of respect that we should continue upholding?