Sending one's parents for Hajj

Q: An elderly man and woman have been accredited to go for Hajj. However, due to limited financial means, they are unable to go. Their young son has already performed Hajj and has been accredited for the second time to go for Hajj. Is it the son's responsibility to first send his parents for Hajj?

Mistakenly swallowing something while fasting

Q:

1. During Ramadhaan, I was baking a cake and whilst mixing, the chocolate powder went everywhere and I could taste it in my throat. The chocolate powder must have gone down my throat because it got stuck at the back of my throat. When I swallowed, it went down. Did this break my fast, and is kaffarah necessary?

2. Does swallowing (loose) skin on the lips break the fast?

Uttering the word divorce without addressing the wife

Q: If a man utters the word "divorce" not for the purpose of his wife's divorce neither was he addressing her at a time when it was uttered. However when it was uttered a thought of his wife came in his mind. Will it constitute divorce ? It was uttered without any purpose. He was not addressing his wife. He had no intention of referring it to his wife. However when it was uttered a thought of his wife occurred in his mind in a flash and disappeared. Now he is worried.

Husband addicted to porn

Q: Please advise me as I feel very embarrased. A year ago I caught my husband watching porn on his cellphone. We had a big argument about it but after all that he blamed me saying that I am not fulfillng his rights. From that time to recently I really tried to fulfill his needs but I find for the past two months he does not come to bed as usual. Instead he waits for me to be fast asleep and either falls asleep in the family room or comes to bed at about 2 a.m. Whenever I enter the room to see if he is okay he immediately switches off his phone. When I asked him what he is up to he begins to scream at me or denies doing anything wrong. I really feel embarrassed to speak to my brothers about this situation as I feel that my husband is probably addicted. Can I ask for a divorce as I feel nothing has changed.

Islamic banks

Q: I live in UAE and is it possible to get a loan from an Islamic bank. What is the difference between Islamic banking and conventional banking because both are offering same kind of products.