Receiving zakaat if one owns more than the nisaab amount

Q: I am a 30 year old female not married and staying with my parents. I am not earning and do not have a job. My parents do not provide me with money. I have to sell things and make do. I have food on the table, I have jewellery of my own, some which I had bought when I had money and some was given to me. It exceeds zakaat nisaab. 

I try my best to pay all my zakaat. I am currently falling back on my zakaat. Is it permissible for me to collect zakaat even though I have jewellery?

Trimming less than the required amount of hair to come out of ihraam

Q: Kindly advise what should I do and what's the ruling for the following incident:

My husband was not in ihraam, he then trimmed off a fingertip length of a lock of hair, not the entire bottom of the hair. We thereafter kissed and only realized later on that the entire bottom of the hair needed to be trimmed. Is there any penalty for this?

Blood transfusions and organ transplants

Q: I would like to seek clarification regarding the permissibility of blood transfusions, organ transplants, and related medical procedures in Islam. Specifically, I would appreciate guidance on the following: 

1. What is the ruling on receiving and donating blood? 

2. What is the ruling on organ transplantation in general? 

3. Is there any ijma on the permissibility of organ transplants, as some individuals claim? 

4. Are there differences of opinion regarding organ donation during one’s lifetime versus after death?