Istinja after relieving oneself

Q: When I go to the toilet, I find it hard to wash my hands. I soap them then put them under the tap. Once all the soap is off I think the water on my wrist is impure still so I wash my arm from the elbow to finger tips and I keep doing that and still I have a feeling that my hands are impure even if I've urinated or past stool still I wash my hands like this and I use wet toilet paper 3 times instead of istinja.

Stem cells

Q: I would like to know whether stem cells are allowed in Islam. In this case I would be storing it for my heirs only. Furthermore I would like to know whether a medical aid scheme is allowed. The medical aid portion is only a hospital plan. No insurance. Please advise whether the above is allowed and if not please comment in detail why not.

Domestic maid who is absent for two months

Q: I have a part time maid working at my house. I have fixed a monthly salary with her agreement. I don't cut her pay if she takes off if she is sick or if I don't call her for a day or two. But if she travels for 2 months to meet her family, am I obliged to pay her for those months or not, we don't have any contract and she travels on her own expenses. Are there any other rules of shariah related to part time help that we should know of? She attends to three different homes daily.

Extra marital affairs

Q: I am married to a girl. In my short age and its five years of marriage now she is not taking care of me and my family. We have done love marriage and no one is happy. She is also involved with another guy also. I forgave her a lot of times but she didn't become true again. Now I have left her at her home and want a divorce from her and even I have contact with another girl who loves me a lot and even we have close relation like we have done kisses and hugs not more than that. I also want to marry her. Could you please tell me is my nikaah already raised with her and what will I do to solve this problem because my first wife don't want to leave me and this one also don't want to leave me as we are in a close relation?