Irregular bleeding

Q: I would like to know how to work out my period as my cycle has changed. I still have the marina on. During these last few months I bled very little. For example I get a brown discharge for two days and then 14 or 15 days later I get a red discharge for two days. So basically throughout the month I'm bleeding for about four days on and off. How do I work out my period? I also get a whitish yellow discharge often. Will I count that as period blood also? This month I never bleed at all for about 22 days and then I bled for about 6 days. I'm very confused as I don't know which days to count as my period and which are my clean days. I want to keep my qadhas before Ramadan but I'm not sure on which days I should fast.

Exchanging naked pictures with one's spouse

Q: My question is that it has been almost a year now since my nikaah. But because of a few months more left in my studies my parents are not doing the ceremony to start my life with my wife. Now we text on phone and sometimes we get sexual temptations as well, so once in a blue moon we exchange naked pictures. She and I are both in love with each other. When I see those pictures while laying on my bed with my stomach on the bed because of those pictures and because of laying down I ejaculate as if I had sex. Is it okay in Islam?

Inheritance

Q: I want to know the ratio of legal heirs of the deceased. The heirs are mentioned below:

widow - 1

daughter - 4

brother - 1

sister - 1

nephews (brother's sons) - 3

Medical aid

Q: Is medical aid and hospital plans permissible. In our town we have a government hospital and a private hospital. The government hospital's services to the sick is free and at private hospitals the fees are exorbitant starting at around one hundred thousand. I have never been on medical aid. In the past year I have become sick and now have serious medical conditions. I visited the private doctor recently and he diagnosed that my kidneys are failing. The doctors could not further attend to me or operate as I have no money to pay nor medical aid. They are requesting around seventy thousand rand from me for a start. If I don't do the operation, my kidneys will fail and the result is death. I cannot go to the government hospitals as many people who had operations at these hospitals came out worse than they were before they went in. A friend of mine had leg pains and went to the government hospital and had an operation done. When he came out he walked on crutches till he died and claimed that the hospital destroyed his legs as the government hospitals have young doctors from third world countries. Another friend had a pain in his foot. He also went to the government hospital and they operated on his feet. When he came out he couldn't walk for years as his feet were worse and he could not bend his toes at all. He had to sit on a chair for Salaah. I am worried if I go the same way as they have done, I will be more sick than I am and if I had medical aid then I could have used it to go to private hospitals. Please advise.