Using the term karma

Q: Please can you comment in the Islamic ruling or stance on Karma. Can you please also advise what is the stance on using the term karma. For example if someone does wrong to you, to tell that person karma will get you.

Insurance

Q: I purchased a business and wish to insure it. What is the Shar‘ee ruling regarding insuring one’s business? Similarly, explain the law of insuring one's vehicle.

Marrying a non-Gujraati boy

Q: A friend states the following problem he is in. He has been in contact with a girl for just under two years. The girls parents agree for them to make nikaah but the girl's granny (daadi) refuses for it to happen since the boy is not Gujraati speaking, he is from an Urdu background. The granny has brought numerous guys to view the girl despite her not agreeing. So the father of the girl is trapped between his daughter and his mother. She also says that it is not jaaiz for the two since he is from a lower cast and what will her family say to them. My friend wants to make nikaah with the girl and she is afraid of marrying another person since she has opened up herself to him and he is the only guy she has been in contact with. So she cannot get into nikaah with someone else because she will fall into haraam with this guy again. Please advise should the guy's family approach the girl's family for a nikaah?

Feeding madrasah children in a walima

Q: In December I will be getting married and and my father wants to do walima in a very simple way like only family memebers of our home (sister, their husbands and my brother and her fiance) for a lunch or dinner gathering at my home. And by doing this we want to save money and wants to do two things.

1. Arrangement of lunch for the 500 kids of the madrasa on the same day.

2. Hajj performance for me and my wife in the same year.

Nowadays, minimum 6 lac required for any kind of ceremony for the 500 people and we think that its completely waste of money and showoff. So we want to utilise money in this way. Although we can do the ceremony like its happening these days but we think that feeding 500 madrasa kids is more important than the wealthy people. My questions are as follows:

1. Is this right doing this way?

2. Is this money can be used for hajj or not?

3. Walima is sunnat, will this be accomplished by doing it in this way? By feeding madrasa kids? Looking forward for your guidance.

US visa problem

Q: I have applied for US non-immigration visa to meet my son with my wife and daughter. Today we gave interview but the embassy refused. Now I want to appeal, please suggest.

Do these statements constitute talaaq

Q: I need some clarity as to whether the below statements are valid talaaq or not?

1. My husband asked me a question: "What will you do if I have to ask you for a divorce?"

2. When asked by my family if he wanted to leave me, he only nodded to confirm yes.

3. We signed a settlement agreement regarding the visitation rights of the children and maintenance. He now regrets everything and wants to reconcile.

Please advise if we can and the correct way to do so.