Female studying alone in a foreign country

Q: I am from India but currently I am pursuing M.B.B.S in Dhaka where I live alone (without my family) in the girls hostel. This is my final year of M.B.B.S.

When I came to Dhaka I had no concept of deen, purdah , etc. and I was completely unaware about the fact that according to our Shari'ah, a girl is not supposed to stay so far without her mahram. Also I came across the fact that all my ibadat; be that namaaz, roza, duaa, any good deed , etc. is not valid while I stay in such conditions without any mahram. I am in need of advice, what should I do?

Becoming influenced by one's company

Q: Please advise me on how to refrain from committing the sins whispered by Shaitaan into my heart? I am constantly getting the urge to shorten my beard and wear western clothings such as t-shirts, jeans, trousers, etc. The temptations I feel are strong and forceful.

Additionally sometimes these temptations depress me when people around me misbehave with me due to my attire being a long robe or a long thoub which is always above my ankle.

Please be advised that under my current employment conditions, I have to live beyond city limits where my shaikh resides and it is very difficult for me to communicate with him as he has become old and frail. Additionally I have a language barrier that I haven't been able to overcome as I was born and raised in an Arab nation and educated in a western system.

Buying gold on credit

Q: Someone wants to buy gold but does not have enough funds and decides to give some amount to the seller and book the gold at the price of the day of booking to prevent paying more by the time he gets more funds. In this case, the gold price may go up or down on the day he will actually give the remainig amount and takes the gold. 

Is this a permissible situation or one needs to do the whole deal of paying money and taking gold in the same sitting?

Following one mazhab

Q: I heard somewhere that all schools of thought are permissible to follow in Islam as long as you only follow one. For example, if I choose to follow Hanafi, I have to follow all of their rulings regardless of what the other schools of thought say. I just wanted to confirm if this is true.

Also, if Hanafis permit something that other schools of thought prohibit, would it be okay for me to ignore the others, or should I avoid it as a precaution?

Hurmat-e-musaaharah becoming established through looking at the private part of a woman

Q:

1. What is the private part of a female that by looking at it hurmat can take place?

2. If a woman is wearing full clothes in a picture or in real life and someone unintentionally looks at her chest and lowers his gaze, and her cleavage is slightly shown, like a very small part of her cleavage, just few milimeters. Does this form part of a females body where hurmat can take place? Even if the person has no lust for her?

3. If a person has shaken hands with an old lady and he is 100 percent sure that there was no desire or lust at that time but he is having waswasa. Should he pay attention or disregard this thought?