Cure for hard heartedness

Q: How do I deal with a hard heart? I'm finding it hard to repent from major sins. I feel no guilt and no fear what can I do? I'm always concerned with worldly matters how can I focus on the akhira? What is my intention supposed to be for practising and how can I make my actions sincere as I am a show off and anything I do in religion I always seem to think about pleasing other Muslims so they can accept me. I know I'm a hypocrite but how can I change it when it happens automatically? I always feel like I'm against Allah and looking for other religions even thought I know Islam is right, like my heart won't accept it and I feel a lot of evil inside of me I don't know how to deal with it. I also have a lot of bad thoughts and am full of arrogance I'm constantly swearing in my head and have bad feelings towards Allah. I stay away from Muslims to stop the insincerity but even in private I'm always thinking about them. I know a lot of it is the effects of sinning but how can I repent when I feel no remorse and I feel like I'm lying and trying to trick Allah. Any advise would be appreciated.

Early settlement discount

Q: I am in retail and many suppliers state their terms similar or as follows: COD 10% 30 Days 7% 60 Days - No discount This is the general practise amongst most wholesalers and it is clear when an account is being opened. If there is a change we are informed well in advance. I sometimes take the full 60 days without a discount but on occasions where my cash flow is better, I do take advantage of their different settlement discounts. Is this permissible?

Family problems

Q: I need guidance on what takes priority and precedence in terms of my dilemma. I live in a small town that is Islamic conscious and a very good environment for my children. Drugs and bad habits are minimal and less accessible than the big city that I come from. Spiritually living in this town is also far more uplifting and one is more conscious of Allah. My problem is my father passed away and my mum and sister are now putting pressure on me to move back home to the city. Drugs and the environment are a problem. There is also always family politics and Ill feelings of which I am not a part of don't want to be apart of as I prefer to stay neutral and out of everyone else's business. My mum and sister are making me feel guilty in order to get me to move back there. My mum is more than welcome to come and live with me but says she doesn't want to move away from her family. I feel that they expect me to risk and sacrifice my family and life and the upbringing I want for my children for their convenience. I have explained that I don't want to move and my reasons but it falls on deaf ears as they only seem to want to make things better for them. In Islam in know the importance of my mother and I feel guilty but want the best for my kids and spiritually for myself, my husband and kids. What would be the right thing to do Islamically? Am I supposed to risk my kids and my strong spiritual grounding where I live to accommodate my mother?