Keeping one's money in a bank for safekeeping

Q:

1. Is opening a 'Shariah-compliant' savings account at a bank or at an 'Islamic' Bank with the sole intention of the bank safekeeping your money permissible if one intends to give all 'profit' earned in charity?

2. If one already has an investment account at an 'Islamic' Bank that claims to follow a Profit-and-Loss mode of financing, what should one do? Should we close down the account?

3. Is it against taqwa to save/invest money for the future?

4. What are the permissible means if one wishes to save/invest?

Marrying one's first wife's niece

Q: I know a person who is married to 2 wives. The relation between the two wives is aunt and niece i.e. the second wife is the first wife's niece (that means his first wife's brothers daughter). The second wife had physical intimacy with the man before his second marriage. Does hurmat musaharah takes place in this case? Is the second marriage valid or not?