Befriending kuffaar

Q: Four days ago a Hindu friend of mine was showing me the idol and addressing it as god and asking me like "do you know what this god's name is?" I in my heart I knew that Allah is the only lord and there is no god except Allah but I told him I don't know his name and then he told me it's name and then I said I have heard it in some movies. Was there any kufr in my statement because I did not tell him directly that the idol is not god and when he asked me "what is the name of this god?" I said I don't know. By seeing the scenario it looks like I don't know that god's name (but in my heart I knew Allah is the only god). I usually read the shahdah after every wudu. This happened on Thursday and I started getting doubts about these statements on Monday. So if that was kufr and I have prayed Salaah for four days, should I pray again but I read the shahadah Thursday itself after wudu. Were my salaah valid?

Waking up with fear during the night

Q: I would like to know what to do in the case of waking up in the middle of the night and seeing shadowy figures all the time. If this used to happen and was at a worse state but then stopped and now is back again. I know that the wearing of amulets and such is not right, so what is the ruling on these occurrences. What is permissible- I firmly believe only Allah has the power to protect and recite all the necessary adkhar before going to bed, but as I scream out loud every night and get really scared, my parents are worried and would like to take me to a moulana. Could this just very well be a psychological effect and not anything to do with the jinn kind or such, as I want to do things the right way and only put my trust in Allah. I also came across a hadith about the use of ruqyah and about the Prophet (Sallallahu Alayhi Wasallam) mentioning such people who seek this out in a negative way, so what constitutes ruqyah? Jazakallah and may Allah bless all those who make it their intention to help the ummah in whichever way.

Taking a profit against a loan

Q: I need my cousin to invest 50 000 for a service that I offer which is finding clients for private electricity pay as you go meters. My cousin is asking me to pay him back with extra benefits (cash) which I think is above the loan amount. Is there a special deal we can make to meet his requirements because I really need this as capital or is borrowing from absa shariah loans a better way to go?