Females travelling to other countries for i'tikaaf

Q: Please issue a ruling on the following:

(1) Females travelling to a foreign country for the purpose of observing Nafl I’tikaaf in a hall.

(2) Females travelling to a foreign country for the purpose of observing Nafl I’tikaaf in someone’s house.

(3) Females observing Nafl I’tikaaf in a hall owned and operated by the local Hindu Association.

(4) Females eating the leftover food of their (ghair-mahram) Shaykh for the purpose of Tabarruk.

(5) Females being giving the clothing items of their living (ghair-mahram) Shaykh for the purpose of Tabarruk.

(6) Females having casual, non-Islaahi, conversations from behind a screen with their (ghair-mahram) Shaykh in the presence of others.

(7) A female travelling to Western secular Universities for giving bayaans to the female students of the Western secular University.

(8) A Shaykh of Tasawwuf buying a packet of sweets and sending it, as a gift, for a female mureed when she qualifies as a Hafizah. The gift is sent with a male mahram of the female mureed.

Insurance

Q: I want to pursue general insurance course and work in Muslim countries like Saudi Arab, Dubai, Oman, Kuwait. Is it Halal to pursue and work in insurance co, in Muslims countries? I don't pursue Life insurance because I know it is haraam. I want to know about general insurance because there is many insurance companies in Arab countries owned and operating by Arab Muslims. If it is haraam then how is it allowed in Arab countries?

Wife masturbating the husband

Q: Is it permissible to masterbate if one's spouse is unable to fulfil the others needs. My wife and I have been married for 10 years now, and in the beginning we would fill each others desire till we were exhausted. Now she won't even try for weeks to satisfy me. We have no children yet, but my sex drive is still very high.

Hadith question - Branding

Q:

1. Kindly advise me if the following Hadith is authentic and if possible, the source of the hadith: Narrated by Ibn 'Abbas: The Prophet said, "Healing is in three things: cupping, a gulp of honey or cauterization, (branding with fire) but I forbid my followers to use cauterization (branding with fire)."

2. What is the ruling regarding the use of branding as a form of treatment?

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.

Observing purda form one aunt's husband

Q: I am a young women, ready to get married. I studied kitaabs for four years . My predicament is as follows: I have an aunty (mothers sister) who stays quiet a distance away from my home. However from small I used to go and stay with her during the holidays. Over the years we have created a strong bond between myself and her family. We are so close , I can consider her as my second mother . After all this said, my story is with her husband. He is about 37 years of age. I find that over the years of staying together we have become very casual in our interaction. We laugh and joke around freely, sometimes he even touches me and vice versa. Taking into consideration all the above factors, please advise me.

Wazifa for difficulties

Q: My husband is in Saudi and his kafil is not giving him holiday. We prayed a lot to Allah Ta'ala. Is there any dua by which my husband can get holiday and he can come back to India. Please give me a dua to get my husband back.