Business and Dealings

Q: I'm going to be as precise as possible. We are all humans, but I'm a Muslim too. From childhood I may have taken/borrowed someone's money and never returned it back. Like I ask Mom to give me 100 I'll pay u back, but I don't, or I go to a store and the bill is 12 rupees and I pay 10, I say I'll pay u 2 more next time but then I don't coz I literally forget. I mean I even stole money from my mom n dad a few times, it caused fights but I never got caught. But now as I know that I'm mature enough and I repent what I did intentionally or unintentionally I want to pay back every single person I stole money from or borrowed it or just forgot to pay back. The problem is I have 0 to no clue that how much money I actually owe and to whom. Please help me. I give donations and stuff in the name of Allah but I still fear I might still owe people. I'm fully aware that my sharing this question with you is making you a witness of my sins but please don't judge, I'm only trying to seek help and Allah's Forgiveness. What should I do?

Q: What do you think about binary options eg like expert option or iq option. Are they halal or haram? 

Q: If you are in debt, does it affect your taubah or forgiveness? I mean can a debt stop you getting your sins forgiven? would Allah forgive your sins if your in debt?

Q: Can your debt cancel out your good deeds?

Q: I have a job offer from an American Corporation (group of companies) which mainly deals with oil, gas and petroleum industry around the world (about 95% of its business is with this sector). This company has many subdivisions. My work will be in a sub division of the company that only deals with oil, gas and petroleum equipment and customers in the middle east only. But I also came to know that one of the subdivisions of this company in USA/UK makes equipment for naval forces of western military. This business would be not more than 3-4 % of their total earnings. I will not be working in this division at all! Is it okay to accept the offer with the oil, gas and petroleum division and work for this company.

Q: One of the banks in my residence country is offering a short term interest free loan. I am only interested in using this loan because it is interest free. It has a fixed processing fees (1 % of the amount of loan) and a onetime fixed insurance fees to be paid. Can you please advise, if it is alright to utilize this loan.

Q: I have 5 bank accounts in india and all are giving interest on my deposited money. when i got interest i will write in my diary date and amount and after all banks have given interest i will add and sent all the amount to charity like patient or orphan for education etc. but this amount i will sent from one bank. my question is my method do doing interest money is correct or shall i withdraw cash from each bank separtely and pay for charity. please expplain the right method of interest payment.

Q: I purchased a land combined with my brother and my name with my money which he knows, later again I purchased a land in both names with my money which he does not know. Now if we sell both land combinedly signed then what is the ruling about sold money? According to Islamic law, is he entitled to get the share of sold money? If he is entitled to get, then he will get share of total land or the share of land part he knows ? It is mentioned that with the intention to live together in same city I purchased the land in both name but after he got married then he is no more interested to live here and living in separate city with his family.

Q:

1. What is the ruling on the income generated by working for a newspaper. The newspapers contain pictures, news which have the elements of backbiting, blaming, etc. Can we eat from the homes of these newspaper owners or their employees? They are close relatives and it will be difficult not to eat/drink while visiting them?

2. How about eating at the homes of bank emoloyees in the similar situation of being close relatives? Would the sin be greater if we eat there than eating in  the newspaper employees?

Q: Old Mutual life insurance investment funds.

1. If the family gets paid out from such an investment, will it be permissible for them to use that money?

2. If not, can it be given to a family member legible for zakaat or to pay Sars, fines etc.