Zakaat

Assisting beggars

Q:

1. Many a times Muslims beg for money inside and outside the mosque. Should or should I not give them? 

2. I donate money to charitable organizations, but I doubt whether the money reaches the poor.

When does zakaat become waajib

Q: I am a student at university. In possesion I have money that was given to me to cover university expenses. I have around R5000. By the end of the year it will be used up. I would like to know if zakaat is payable on it and wether qurbani is required. I also have a student bank account that doesn't accumulate interest until a year has lapsed. Due to the account being empty after a year, There will be no interest gained or taken, is it permissible. My bursary pays fees late every year and univerity charges me R30 interest. Should I give that R30 as charity, as it is out of my control?