Interest transaction

Q: I have question about sood. In my town people are taking Rs.45,000 for a month and giving the Rs.60,000 or Motor Cycle CD-70 having price of Rs.63,000 after one month, so choice depends upon people either they want Rupees or Bike. So I want to know that whether it is sood or not. Some people are saying that taking rupees is sood but bike is not sood. Please guide me.

Saying an ambiguous word of talaaq while arguing

Q: I understand that there has to be a niyyah when one says a phrase of kinaya talaaq. I wondered that if one is arguing, and one gets a feeling like wanting to divorce or a feeling like "come on do it now (leave her) and then says a kinaya statement like "go to your father", all happening in seconds, is that a clear intention that is necessarry? But if the person asks himself a few moments later did you want to definetly divorce her now by that, the answer is no. What do i do now as i dont know whether it was an intention that counted or not? 

Reciting Surah Zumar and Surah Bani Israeel before sleeping

Q: ﻗَﺎﻟَﺖْ ﻋَﺎﺋِﺸَﺔُ ﺭﺿﻰ ﺍﻟﻠﻪ ﻋﻨﻬﺎ ﻛَﺎﻥَ ﺍﻟﻨَّﺒِﻰُّ - ﺻﻠﻰ ﺍﻟﻠﻪ ﻋﻠﻴﻪ ﻭﺳﻠﻢ - ﻻَ ﻳَﻨَﺎﻡُ ﺣَﺘَّﻰ ﻳَﻘْﺮَﺃَ ﺍﻟﺰُّﻣَﺮَ ﻭَﺑَﻨِﻰ ﺇِﺳْﺮَﺍﺋِﻴﻞَ

Aisha (radhiyallahu anha) said, “Nabi (sallallahu alaihi wasallam) wouldn’t go to sleep until he read Az-Zumar and Bani Isra’il. (Collected by At-Tirmithi (3405), Ibn Khuzaymah (1/126/2) Al-Hakim (2/434) Ahmed (2/68 /122) At-Tirmithi graded this hadeeth as being Hasan Ghareeb. And Shaykh Al-Albani said “The men in the isnad are trustworthy [ Silsilahtus Saheehah 641 ]

Is it authentic?