Bleeding lips

Q:

1. If my lips bleed and I lick my blood and then my lips are clean and there is no trace of blood on the tongue, are my lips and the tongue paak.

2. Due to sweat and scratching dirt remains in my nails and I made wudu and I read salaah and then after sometime I noticed dirt in my nails and I am not sure whether it was before wudu or after wudu. Is my salaah valid? Is this kind of dirt permeable.

Assisting beggars

Q:

1. Many a times Muslims beg for money inside and outside the mosque. Should or should I not give them? 

2. I donate money to charitable organizations, but I doubt whether the money reaches the poor.

Kalimas

Q: I am a new convert. I have a question about the kalimas. Some say six and some say five. I am confused as to what is the right answer.

Writing a will

Q: At the moment I am married, no kids and both parents alive alhumdulillah. If I had one child would my entire estate go directly to him/her? What portion goes to my wife. I don't think my sister is allowed in the will, but I am close to her. Is it possible to say my sister wont get s share but allowed to stay at my house for say 10 years. Although if my parents died in that time and never got the share of the house due to my sister residing their, would I be punished for that?

Finding dirt on one's feet after ghusal

Q:

1. After ghusl, I noticed some small dirt on my feet but I'm not sure it came after ghusl or before. Is my ghusal valid?

2. I repeated the ghusal but I accidentally left out a very small (thread size) dead skin which if I observed it came close to a very small part of living skin. I poured water on top of it without scrubbing and I'm not sure if water will go to the closed parts of the skin. I realised this after praying and I didn't know that I just need to wash only the dead skin to complete my ghusl. So one day after, I completed the ghusl by washing the dead skin area. Was my ghusal valid even I washed it after a day?