The correct wordings of Takbeer-e-Tashreeq

Q: Please can you give me all the full version of what one should say when making the Takbiirut-tashreeq. Because, what I heard was, Allahu Akbar, Allahu Akbar, Laa ilaha illal lahu, Allahu akbar, allahu akbar, wa lillahil hamd. But I heard some adding, sadaqa wa`dah, and adding something by ending wa lawkarihal kaafirun. Please if those are part, kindly give me all what I should recite. Jaza kallahu khairan. I am from Ghana West-Africa.

Interest and usury

Q: I needed to ask that I have completed my BBA(H) just now. During the course, I wasn't practising Islam - the only true religion that much. From since 19 years, I had been living with my mother only as my parents separated from each other when I was only 5. Since then, she had been bearing my expenses. I have a sister too who got married few months ago. We live at our late grandmother's house. My mother got her share from her dad's property and all money was saved in to national savings scheme which made her get different saving certificates that included some interest. I never know that much about Islam. Though I was aware of the prohibition of forbidden interest in Islam. But I wasn't that much involved in Islam. I was a Muslim by name only. But now, I am getting much more involved in Islam. I pray 5 times a day and recite and even memorise Qur'an which I try my best to do so. Since then, I try to ignore all that is illegal in Islam. After the completion of BBA, my mother and sister expects from me to do a job. I once applied for a bank. Now they have called me for an interview. But, I rejected them. Once again, I got an offer from another bank through PR. And my family is just insisting on me, teasing me 24/7 to work there as I am not finding any job nowadays. My mother just wants a good future for me and needs to witness the circumstances which she ever desired for. I am getting an extremist in accordance with my religion. I am getting disturbed day by day. As they are almost taunting me, every single moment of my life. I have applied for halaal jobs like marketing or any other job, but I am not getting any proper response. As mentioned before, I am the only male member of my family. And, I have to support my family but since I was not in to Islam, I try to repent to Allah Ta'ala for my previous sins. Now I can't go for another major Sin. Please advice me. Suggest me considering me in place of your son. I am totally disturbed and not in my normal mental state now. It is also important to note that all of my education of BBA is from the interest amount, certificates and the principal amount. I wasn't much in to Islam before. That means my knowledge is also Haram? I am just not able to sleep. I am not just able to live my life. Please advice me and kindly give me a reply as soon as you read my message. 

Dream

Q: I dream of losing something into a river and a man found and gave it back to me. Later I was by the riverside and my leg inside the water and a girl nearby I knew came around playfully telling me she was going to give me money but instead I proposed love to her which she accepted. What does this dream mean? NOTE: I am married with children.

Becoming closer to Allah Ta'ala

Q: I am muslimah who really wants to change my life for the better as I am not a good Muslim right now. But I do not know where to start or when I do try its only for a few days then I'm back to where I started. I try reading more Qur'aan and books and listening to lectures but it seems unfortunately nothing touches my heart. I know my heart yearns to get closer to Allah before it is too late but nothing is happening and I fear I am losing hope which I know is not a good thing. Please advise on what I may do or read?

Assisting in evil and sin

Q: 

  1. I am working virtually (from Pakistan) for an Irish Solicitors firm. I listen and type their dictations. They have all kind of cases including same sex marriage, family, employment etc. Is my job halaal?
  2. I have a job offer from a US based marketing company where I have to assist them in setting up their marketing campaigns. The campaigns I have to work on include financing, insurance, loans, mortgages, dating etc. Mostly my working is copying and pasting information/data from one system to another but at one step I have to visit different websites and decide which one is better for their advertisements to display on. Can I work for them?

Haraam fantasising

Q: 

  1. I would like to know what falls under haraam fantasising. What would be regarded as haraam thinking in Islam?
  2. Whenever the subject of jima' (intercourse) comes up then I get a weird feeling in my body and with that a discharge comes out and I feel a need to use the bathroom. Dose this discharge make ghusul waajib. I am very worried about this as I am a 15 year old girl. This also makes me feel that I won't be able to get married because if the topic of jima' (intercourse) comes up and this happens to me then what will happen when I get married. Will I not be able to satisfy my husband and all similar questions. Please advise me on what I should do. I haven't told anyone about this. Please help and advise.