Authenticity of the kitaab "Fayzaan-e-Rahmat"

Q: My query is with regards to the authenticity and reliability of a kitaab - it's content, author and publishers. The name of the kitaab is "Fayzaan-e-Rahmat - Abundance of Mercy - A collection of Du'as for different occasions" by Maulana Muhammad Abdullah Darkwasti and jointly published by Zam Zam Publishers and Madrasah Arabia Islamia.

All the duaas are prescribed from Qur'aan and Hadith. Some of the prescribed wazifahs include Surah Yaaseen and it's seven mubeens/Shaykh Husain Ahmad Madani's nafl salaat prescription/other wazifahs of qadriyyah silsilah among many others. Can I undoubtedly and with full yaqeen supplicate to Allah Ta'ala through the means of these prescribed wazifahs?

Husband touching the wife in haidh

Q: I am aware that when a woman is on her periods the area from her belly button to her knees must be covered. But if a woman on her periods is wearing only underwear and the man is wearing only underwear and they both rub their private parts on each other, does this break their nikah as the woman was not covered only her private part was?

Working in a bank & government pension

Q: My father is 68 years old now. He was working as a manager at a government bank for more than 40 years. When he was in his 20's he joined the bank because of the financial problems which his family encountered. At the bank he served plenty of positions such as cashier, assistant manager, credit controller, risk manager, etc. He quit his job at this bank 8 years ago. Now he is working at our village in Baithuz Zakath and Baithul Maal organizations. I would like to present the following points:

• He has never given money for interest (Riba) for him

• He has never borrowed for interest (Riba) for him

• All what he done was he did his job at the bank.

• During his top management career, he was very interested in Islamic banking and tried to introduce Islamic banking system in his bank (At that time, there was no bank to conduct Islamic banking services. Very Recently, his bank started Islamic banking services to its customers. They used my father’s proposals and other documents to start this service)

• He did that job as his livelihood

• Till now, he gets pension from his bank (since his bank is a fully government owned entity, all the funds are directly coming from the treasury)

• He uses his knowledge in banking to uplift the Baithuz Zakath and Baithul Maal organizations in our city. (Many other villages are impressed with his Baithuz Zakath Organization Model. They meet him and get advices and support as well)

• He is very pious. He never misses any of his prayers.

Now I am writing my questions:

1. Is that pension money which my father gets from the bank haraam?

2. If it is haraam, what are the remedies ? (The money which he gets from Baithuz Zakath is not enough for him to meet his day to day needs.

3. Was his job (Banking Job) haraam? 

Keeping money saved from companies budget allowance

Q: I am an intern student in an organization, where we work on project basis, at last out of city project we were allocated a budget of Rs.6100 per day for our personnel expenses like meals, travelling and hotels. These expenses do not affect our work efficiency. These expenses were purly for our personnel expenses. Conditions was that if the budget exceeds 6100, the extra was to be paid from our own pockets. But in this project my senior made saving by selecting a very low standarad hotel. At the end of project he handed over half the savings to me.

I could not resist because if I resist they will hold back my actual expenses that were paid from my own pocket and also the whole organisation will go against me. Because to hold these saving is considered normal in my organisation.

Now the question is, is the money Halal or Haram for me?