Bad Dreams

Q: From the past few days I don't know why I get bad dreams and I get scared and my heart starts beating fast and I am not able to sleep in the night and in the morning. I keep getting scared. Please tell me how do I overcome this and get rid of this so that I live peacefully?

Dream

Q: I saw that I am standing in mosque ready to offer prayer in Jamaat. Then at the same time I saw my friend who is in Australia he is going to the washroom and I said to him that ok join the prayer after wudhu. I am planning to go to Australia and have applied for visa since 2.5 months.

Life Insurance

Q: My question is regarding life insurance for about $300,000 in my name, after I die this money will go to my wife and child and they can buy a house and live a comfortable life. Please advise me on this?

Going to work on time

Q: I got a job without any bribe as a primary teacher in Aasaam India and my school is 30 km away from my house. The Government Time to start shool is 9 Am but the students do not come before 10 am due to the distance. I also reach at 10 am but in the attendance register I have to write arrival at 9 am. But the school breaks at 2 pm 1 hour after its actual time. Is it permissible and in accordance to taqwa?