Insurance on sim cards

Q: Nashua mobile offers the following contract:

Insure your SIM card effectively against theft, loss or damage with SIMSure. Pay R4.20 monthly to cover your SIM card, and if it is lost, stolen or damaged, Nashua Mobile will replace the SIM card at no extra charge. Why fork out a large lump sum to replace your SIM, when you can pay a small monthly premium for ongoing peace of mind? Terms and conditions apply.

Is this contract permissible or does it fall under the category of haraam insurance?

Selling goods on a commission basis

Q: Mrs J used to sell goods on behalf of Mr A, on a commission basis.  After months of this trading, Mr A's sons began selling other goods to Mrs J's customers, Mr A then made a statement that his 2 sons will give Mrs J R1k each a month because of her these goods where being sold.  For over a year this was being done, where Mrs J received R2k a month, and commission on the goods that she was to sell.  In April of this year (2011), Mrs J asked for her commission of R8k which was due to her, Mr A then stated that over these past months the R2k a month was for her commission on the arranged goods as he did not make any arrangements for the R1k a month from each son. Mr A's son even said he was not aware that this had changed until his dad told him not to give the commission.  What is the Shariah ruling according to this? Is Mr A liable to still pay Mrs J her commission that is due to her, and then request the change in her part of this agreement?

Wealth earned through deception

Q: One person is asking for Help for his sons health. We gave him (not only me but so many others also gave) some money. Later we came to know that, that person is a fake and he did not have any kind of problems and he doesn't have a child as well. Due to his bad lucky one day, I saw him and spoke to him. He was earning money like this for many years and when I was asked him didn't you fear Allah he said yes I do. When I told him that earning money like this is haraam, he gave me a wired answer. After hearing the answer I was totally confused and I am totally confused. He said if he earned 1 lakh money that way, he will donate some amount as a Zakaat to purify the money. In this way he will be earning halaal income. 

Is this true? He said if your earn money unlawfully like interest and many other sources, if you give zakaat or donate some money, it will purify the money. Please guide me?

Starting a business through begging

Q: One of my uncle earned his money by begging and now he started the hotel business. Obviously the total money he invested in the Hotel was came from his last job "Begging". But he did all the hard work to make him successful man in the hotel business. I know he was doing charity to purify the money. Is this acceptable and will purify the money? By starting the business through begging did he do any sin?

Performing Salaah after touching a person who uses perfumes which may contain alcohol

Q: Just before salaah was started by the imaam, i gave a hand to someone. When I smelled my hand I smelt some perfume odour. The person's hand was dry, in this case if the perfume he used did contain alcohol or any other impure ingredients did they transfer to my hand? Is my Salaah valid?