Q: I had taken out a life insurance policy with a dread disease cover many years ago. (I call that my pre-hidayat days). I have now been paid out part of the money for a dread disease, which is part of the life cover. Can I calculate all the premiums I paid over the years and take the money out of the payout as halaal money for myself? Can I use the balance of the payout for Income Tax payment. I would then cancel the policy. 

Also, what are the zakaat implications regarding this money if it is halaal. Do I need to calculate zakaat from the time I started paying the premiums or not?

Q: I want to know what will be the fate of the people who didn't get the message of Islam i.e. Sentinelese people or Otger Amazonean tribes? Will they be punished like other kaafirs? In which category do they belong to, Muslims or infidels/refuters of Allah and His Messengers? Kindly share the Islamic way of thinking about it.

Q: Is listening to tunes/tones (piano/flutes etc.) which doesn't include singing haraam?

Q: Are you allowed to work in a zoo or as a vetinary nurse in a vet?

Q: If an ustaaz comes every day with a few minutes of delay to Madrasah but he usually makes up for his hours by staying after the exit time. Is it allowed or not? Can we blame him for his delays?

Q:

1. I want to ask if it is sunnah to live in your own home, bought by oneself. Does this bring more barkah in the home? Should one prioritize this as an ultimate goal?

2. We have been married for 2 decades and faced a lot of financial challenges for various environmental factors, not our own doing. Alhumdullilah. By blessings of Allahs generosity and divine miracle we have saved a small amount sufficient to buy a small investment property to put out for rent. Because we have 3 children, we need much bigger space and more funds to buy a property to accommodate our own actual family.

If there is an option to rent for one's own family living in a place with facilities for children such as shared pool, basketball etc., and make a small commercial investment elsewhere from where we can get rental fees to support our living arrangement is this a better decision?

Q:

1. I work as a Technical Support on a transport concern. The work will be when the need arises and I fix them. There is some leisure time also. Can I read Quraan in that time?

2. I used to see some personal mails, social networking apps during this time, is it allowed to do that?

Q: In iddat, can we change a rental house because of expenses?

Q: If a person comes to Makkah in ihraam but doesn't do Umrah and goes to Madinah and comes back again to Makkah and does Umrah. Is it valid? Is it mandatory once he comes to Makkah to do Umrah? He was in ihraam all time and didn't come out until umrah was completed?

Q: I have 2 investments and want clarity on my responsibility when it comes to zakaat.

1. I have purchased shares in company x for long term investment (probably 5 to 15 years). Do I pay zakaat on the quarterly/yearly dividends received or do I pay zakaat on the full value of the share?

2. I am investing in a retirement annuity, which is now only accessible upon my retirement. Do I pay zakaat yearly on the amount that is in my retirement account or would I only pay zakaat when the investment matures (when I retire)?