Zakaat

Discharging zakaat for previous years

Q: Until recently I thought I did not have to give zakat because I was under the assumption there was only one nisab, the nisab for gold, and I have never owned more than the nisab for gold. However now I am aware that there is a nisab for silver, and that this should be used when calculating zakat. Since I haven't paid zakat until now, I would like to start calculating my zakat for the previous years as well as for this year however I have some questions as I haven't calculated zakat before:

1) Do I estimate how much zakatable assets I have at the END of each zakat year and then pay 2.5% of that in zakat?

2) The nisab value constantly changes, for example at the moment the nisab for is around £294, but previous years it was different. So when determining if I own above the nisab in previous years and am therefore eligible for paying zakat, since I don't know what the nisab was in those years should I use the current nisab when calculating for previous years?

3) Since I did not know I had to pay zakat, I also have not taken part in qurbani (udhiya). How should I go about calculating how much I owe for this?

4) Can I pay my zakat through an islamic charitable organisation, such as MuslimAid, IslamicRelief, etc?

Forgive me for the long question, but I want to make sure i'm paying zakat correctly, especially as I had been ignorant of it for many years. May Allah subhanahu wa ta'ala make it easy for us to fulfil our religious obligations.

Which value will be considered for gold and silver jewellery?

Q: The general "market" for an ordinary person wishing to sell his jewellery in our times would be to a jeweler or a gold purchaser. The value thus given by them constitutes the market value. The established practice of both these dealers in evaluating an item to be purchased by them is to consider the gold content present in the jewellery only. They ignore any value that may exist due to the workmanship present in that gold or silver jewellery.

Question: Will this value given by the jeweller or gold purchaser (which is based on gold content only) be the market value considered for zakaat purposes?

Zakaat on loans that are owed to one

Q:

1. I have 1500 dollar cash with myself and my sister borrowed 500 euros from me 3 years before and my brother borrowed 500 dollars from me 3 years before. My husband borrowed 600 dollars from me 1 year before. So how should I calculate zakat for this money?

2. My husband has 15000 dollars in his account and almost 10000 dollars at home with his mother but the money he has at home is saving money from his salary every month he saves the money from his salary. What is the procedure for salary zakaat?

Zakaat on jewellery

Q:

1. A person has a jewellery shop. In this he sells a golden ring having a diamond. The gold value of the ring is 1000 pounds, but the ring is sold for 2000 pounds (which includes the value of the diamond, labour etc). Should he pay zakat on the gold value (1000 pounds) or the full value of the ring (2000 pounds)?

2. Further, the person buying the ring, should she pay zakat on the gold contents (1000 pounds) or the full value of the ring (2000 pounds)?

Giving zakaat to shias, qadiyaanis, etc

Q:

1) I know that it is not permissible to give zakaat to any non-Muslim. However, generally we are allowed to help needy and poor non-Muslims. The question is, there are some groups such as Shia, Qadiyani, Munkireen e Hadith which claim to be Muslim but in reality they are out of the fold of Islam. These three groups mentioned above(and probably some other groups also) are known as Zindeeq. Is my understanding correct?

2) Is it permissible to help poor and needy people belonging to such Zindeeq groups?

3) Is it permissible to give any other sort of help and aid (not financial) to these Zindeeq groups?