Putting money in an LIC policy

Q: My parents may have not been aware of LIC policy where we send money monthly and after many years we get back money with some extra amount. Now that extra amount is obviously interest (riba). As my parents have started that, they say that at last they will put the extra money in charity. Till then, we would be sending money.

Now because of us, the company would have to give extra money. Are we then responsible for his sin? Or we will be getting the same sin for him? In Quran ayah its mentioned that whoever eats riba after knowing its haram he will remain in hell forever.

1. Is this sin for us also because of him (company owner) giving us extra money? And due to us taking part in it, the owner would be little encouraged to continue his business. (As its obvious tht if a new customer comes in shop, the owner will be happy and would like to do more buisness) Then if the owner does more buisness and more people join the LIC policy. Now bcz of us many people joined and they may eat riba. Are we gonna get same sin of them (hell forever)?

Marrying a Christian woman

Q: I am from India, non-Islamic country. I love a Christian woman. She is chaste and religiously righteous (prays daily, neither eat pork nor do alcohol, etc.). But she considers Jesus as god. Am I allowed to marry her, even though, what she does is considered shirk?

Marital problems

Q: I'm married for 2 years. After nikkah I shifted to my husband in Germany. After marriage we realized that we are two different people. I wanted his love but he said that he is not attracted to me. This thing frustrated me alot and left me in a condition of stress and depression. We had no intimate relation. We had so many arguments and fights because we were not having the basic relation. When I saw that he cares about other relations and friendsand they are very important in his life and it does not matter whether I'm present in his life or not. I couldn't take on the ignorance and lack of love from my husband anymore and moved back to my parents. His parents, relatives and friends advised him alot that he should fulfill my rights. After three months my husband contacted me and said that for the sake of his parents he wants me to come back. He'll give me respect and we'll have kids but he doesn't love me. I'm very much confused about my decision. What should I do according to Islamic teachings? At this point it is very difficult for me to trust my husband. Should I take a decision of khula or should I give it another chance?

Does Allah's punishment only affect the people who do wrong?

Q: I know the hadith that when rulers are tyrants we should look at our aamaal. So, does this imply that we are collectively accountable for the aamaal or even if we do aamaal at an individual level, Allahs support in terms of being saved from their evils, will come at an individual level or does it have to be at collective level? What are the implications of the hadith?

Feeling despondent after failing exams

Q: I am really struggling at the moment to keep my faith. I was born Muslim. I have had lots of issues in my life. The most recent one being that I am training to be a GP. I am at the end of my training but keep failing the last exam. It's odd as I have the knowledge and on the mock test score very high. But always fail by a small margin. This time by 4%. My issue is such, I try and be a good Muslim by praying. I even did the dua ya haseebo 11000 for 3 days before the exam. But still failed. One of my friends told me that she thinks I have some form of black magic done to me to stop me from passing and being successful. This may well be true as I was married before, and this ended and at that time I was told that it was as a result of black magic. It's been over 10 years now and I am married again with 2 children. Happy, but still struggle with even the smallest things in life.

My question is how do I find out if it is true about the black magic and if it is, what do I even do about it. I can see why people may think this, as how can I keep failing an exam I know so well, in a job I do everyday. Please can you advice me, as I feel I am stuck.

I have one last attempt and then I can't be a GP no more, as they only allow a certain attempts at the exam. This will mean I have wasted all these years of my training, and will have to start over again. Which will be very hard for me with 2 young children. Please advice what I can do.