Calculating one's zakaat when one has cash, gold and gold coins

Q: I have tried calculating my zakaat but unfortunately I get quite confused when gold is added. Will really appreciate some guidance on this.

1. I recently married and received pieces of jewellery which is less than 85 grams in total. Am I liable to pay zakaat on this?

2. I currently have 2 (1 oz) Kruger coins as well as 2 Mandela coins. When I researched the grams its 28.35 grams = 1 Ounce. The mandela coins have 5.1 grams of Gold and 2.68 grams of silver. Am I liable to pay zakaat on this?

I also have cash but shukr at least this I know how to calculate.

Levelling the back in ruku'

Q: Further to your advice that arms should be fully stretched during ruku' in Salat, please advise me further. I am a tall person with long arms, therefore in ruku' my back does not become horizontal without slightly bending my elbows. Am I excused from levelling by back, or it is not a requirement at all?

Fantasizing

Q: I have one question that recently I used to think about having zina with different girls but it was only a thought. I never even think of doing it in real. So is it haram is islam?

Muslim woman marrying a non-Muslim man

Q: I am a Muslim woman married to a Christian man. We have four kids together, and for the last six years, I have been living like a Christian. However, my heart was not wholeheartedly there. My heart was always towards being a Muslim and my children too were not happy. I returned to being Muslim now but I don't know what to do. Can you please help me?

Court marriage

Q: My friend married a guy through court marriage. Why? To protect themselves from committing sins. But when they told their parents after about a month, the girls parents lashed out and said that the Nikaah is invalid. So they accepted. Now the father of the girl has placed conditions for the boy that if he accomplishes them, they will gladly have them wedded. But the parents are only doing this to kill time. What must they do? Since the boy is getting angry and wants to bring in the police. Though we all know that is not right.

Joining the family business

Q: I am from India. This academic year my graduation will be completed. I was planning for higher education. My parents want me to join in the family business. I am so helpless because higher education is my passion; without my passion I can't live comfortably. I actually mean I won't be alive. Since my parents are angry with my weird attitude they took me to a Mufti nearby. He suggests me to live up to my parents wish. I need an independent life. Is being independent a crime? What should I do?