Protecting one's family and wealth

Q: From the hadith below it is revealed that Muslims should protect what is theirs, their wealth, property, family etc. My question is what should one do when being hijacked or robbed and you have two young children with you? Should you fight off the thieves and risk that they might hurt the children or just give in and let them take your wealth?

Hadith: "Dying whilst defending ones wealth is martyrdom. The Prophet, sallallaahu alayhi wa sallam, said: “Whoever is killed whilst defending his wealth is a martyr”. Abu Hurayrah, may Allaah be pleased with him, reported: “A man came to the Messenger of Allaah, sallallaahu alayhi wa sallam, and asked: “O Messenger of Allaah! What shall I do if someone comes to me with the intention of taking away my property?’’ He, sallallaahu alayhi wa sallam, replied: “Do not hand it over to him.” The man asked: “What shall I do if he fights me?’’ The Messenger of Allaah , sallallaahu alayhi wa sallam, said: “Then fight him.” The man asked: “What will be my position in the Hereafter if he has killed me?’’ The Messenger of Allaah, sallallaahu alayhi wa sallam, replied: “In that case you are a martyr.” The man again asked: “What if I killed him?’’ The Messenger of Allaah, sallallaahu alayhi wa sallam, replied, “He will be in the Hell-fire.” [Muslim]."

Bleeding lips

Q:

1. If my lips bleed and I lick my blood and then my lips are clean and there is no trace of blood on the tongue, are my lips and the tongue paak.

2. Due to sweat and scratching dirt remains in my nails and I made wudu and I read salaah and then after sometime I noticed dirt in my nails and I am not sure whether it was before wudu or after wudu. Is my salaah valid? Is this kind of dirt permeable.

Assisting beggars

Q:

1. Many a times Muslims beg for money inside and outside the mosque. Should or should I not give them? 

2. I donate money to charitable organizations, but I doubt whether the money reaches the poor.

Kalimas

Q: I am a new convert. I have a question about the kalimas. Some say six and some say five. I am confused as to what is the right answer.

Writing a will

Q: At the moment I am married, no kids and both parents alive alhumdulillah. If I had one child would my entire estate go directly to him/her? What portion goes to my wife. I don't think my sister is allowed in the will, but I am close to her. Is it possible to say my sister wont get s share but allowed to stay at my house for say 10 years. Although if my parents died in that time and never got the share of the house due to my sister residing their, would I be punished for that?