Business and Dealings

Q: Is the business of selling cigarettes haraam?

Q: I recently had an accident and the insurance of the person responsible is paying me for the repair of my car. The amount that they are paying is according to the quote I gave them which I got from the panel beaters. I did not ask the panel beater to inflate his quote. If I now manage to get the panel beater to reduce his price, can I keep the extra money or do I have to return it to the insurance company?

Q: Someone purchased some goods from me. I had it couriered/posted to him via a courier service. The goods have not reached him and cannot be traced. How should the situation be resolved and who is liable should the goods have been stolen/lost etc?

Q: I went to Nizaamuddeen markaz to attend a mashwara. One brother gave me a pen to me to write. After sometime I forgot to give the pen to that brother [even his face also I don't remember now]. Give me a solution, what must I do?

Q: I am opening a business with a friend. He will buy a vending machine and I will provide the chocolates and confectionery for the vending machine. Is this permissible and is the money made halaal for me?

Q: There is a soccer tournament taking place in a neighbouring town, and up to 8 teams are invited to participate. Each team has to pay an 'affiliation/entry' fee of R2800 in order to participate. The winning team receives prize money of R4500. The team that comes out 2nd receives R2000. The rest of the teams do not receive any money. Apart from all the other contentious issues (such as the covering of the satr, intermingling of genders etc), is the way in which this event is structured permissible?

Q: I recently came across a Shariah compliant CFD from AngloRand and I am really bemused as to how they can offer that product when clearly they know that it is not Shariah compliant because gearing is involved and this sort of investment a person does not physically own a share in a company that they would enter into a CFD, perhaps Mufti you have heard of this type of CFD and can shed some light.

Q: I want to know if having clothing accounts like truworths, miladys and so on is haraam?

Q: I need to open a current account at a conventional bank. This particular type of current account comes with a R2000 funeral cover. Whilst this R2000 will be ignored by my family when I die, can I still open this type of account?

Q: I would like to find out regarding Medical Aid, is it permissible ? If so what type of Medical aids are permissible? Are there any alternatives if not permissible?