Procedure of a Lay-by sale

Q: A person wishes to purchase some goods from a certain furniture store but does not have the money at present. The seller tells him that he can buy the furniture on lay-by. Will it be permissible for him to purchase the goods on lay-by and how does lay-by actually work? Through lay-by, does one become the owner of the goods immediately or only when the goods are completely paid for?

Evil deeds - The cause for difficulties and hardships

Q: I need some advice targheeb so I can post on one of our community groups regarding the crime. The community are suggesting so many methods to prevent crime but fail to understand our issues because of us not having deen in our lives and we not regular with our salaah etc. Also now they suggesting and allowing women in our areas to begin patrolling. Please send me details advice from Quran and Hadith and also the harms of women been involved and exposing themselves to strange men. Please it's urgent.

Wife not ready for more children

Q: I am married age 43 wife age 36 and son age 13 . I was suffering from Leucoderma, also known as vitiligo, is a rare skin disease characterized by white spots and patches. Alhamdulillah , it is cured and no one was aware about this. After marriage I had told her that once I was suffering this disease . When my son was 2 years old he also suffered from this desease. Alhamdulillah, my son is also cured. But my wife is not ready for more kids. She is fearing that our next child may also suffer from this disease. I told her several times that all disease/situations are from Allah Ta'ala and he is only who give us cure. But she is still not ready. In this situation , should I force her for more children? We are having normal relation of husband and wife or I can do second marriage for more kids or I should make sabr?