Talaaq issued over the phone

Q: I have been married for 10 years. I had my 1st talaaq when my duaghter was 2 years old. We reconciled soon thereafter and now I have my 2nd talaaq over the phone when my husband moved out for the second time. Is a talaaq valid over the phone?

His reason for moving out is because I am always skelling. He is never home and I am doing everything; seeing to the kids food and the house. Somtimes he comes home very late at night and I am not allowed to even ask where he was. I don't know where he works or how much he earns. Furthermore I don't know where he is currently staying.

He always wants things his way. He wanted a second wife 4 years ago and it never happened. Ever since then things haven't been smooth. I told him that I'm going to MJC and he told me to because that is for people who doesn't know their deen. Ya Allah I love him tremendously. When I asked him today if my talaq is finalized, he said he will call me tonight. When he moved the 1st time he told me he thought the separation would help. I asked him if we cannot mayb have a separation period then a talaaq he said he tried but he tried nothing. I am prepared to make this work, please help.

What should a masbooq recite when standing up for missed rakaats?

Q:

1. Suppose I am offering Asar or Maghrib and I joined the Namaz in the last Rakaat after missing the first three rakats, now when the prayer ends with "Assalaamu alaikum warahmatullah" by Imam and I get up from "Attahiyyaat", Then what do I have to say first? Do I have to start my next rakat with thana or bismillah?

2. Also, do I have to say a surat after reciting surah fatiha?

Saving money for one's family's safety and well being

Q: Can I accept to take some of my wifes savings to bear all the visa expenses including residense, rent, etc. this year? I am married since 2 years. Me and my wife do job. She is a teacher in homeland. While I work abroad (middle east). I give pocket money to my wife every month, as well as food expense separately to my joint family. I get one month leave to visit my family in a year. Two times I brought my wife on visit visa in two years. This year I have plan to save some money and to buy some property in my homeland in future, hence not to invite my wife this time, but she agreed to pay all expenses on her own, which I didn't agree. As I don't feel comfortable to get any of her earnings, because of her talking many times that she strongly feels that, her earning is totally for her. On the other hand she taunts me many times that I don't save enough money to get some property. What should I do?