Area below the navel becoming exposed while performing Tawaaf in ihraam

Q: When wearing the ihraam cloth and performing tawaaf around the Ka’bah Shareef, I am afraid that part of my awrah (a small area below the navel) will be visible at times, despite me wearing my ihraam belt in which I keep my money etc. 

If part of my awrah is exposed, will the taawaf still be valid? Will I have to pay any compensation for it? 

Inheritance

Q: If I have to pass away (wife), what shares will they inherit & what will go to my 4 daughters, husband, my mother & my father? 

If my husband has to pass away, what shares will I (wife), my 4 daughters & his mother & his father?

Performing salaah with impurity on one's body, clothing or salaah area

Q: Is someone who prays 5 times a day consistently with proper wudhu but knowingly and intentionally prays with impurity on the body, clothes or prayer area rejecting the obligation of purification, would this person be considered a disbeliever and be in hell forever? 

Is this person performing wudhu for each salah clearly showing that he is NOT rejecting the obligation of purification?

Receiving one's salary on one's zakaat date

Q: I am sahib-e nisaab Alhamdulillah, however my regular monthly pay mostly gets consumed by the next pay date. If I receive my pay on the zakaat anniversary date, should I include that pay's amount while calculating zakaat, or whether I should calculate the zakaat on my remaining assets after deducting the following month's expenses? 

Also, what sort of future expenses are permitted to be deducted before calculating zakaat on one's zakaat anniversay date?