How does one do ghusl (full ablution) to cleans oneself of janaabah (impurity following sexual activity)?

In our country we have been affected by war and we were expelled from our land 23 years ago. Praise be to Allah, my father and I are settled now and we have a business. We borrowed money in order to settle and start a business, the value of which was 1 million. When we worked out the value of zakaah that we owe on the property and trade goods that we have in our possession, it was estimated to be 7 million, and the trade goods on which zakaah is due are worth 5 or 6 million. 
My questions are: 
1. Are we required to pay zakaah, as we have not paid it all these years because we were not able to pay off the debt of 1 million? Was it correct for us not to pay zakaah?
2. We do not have any cash now, if we are required to pay zakaah. We helped a brother of ours to pay off a debt he owed, so that he could pay off the borrowed amount without paying the interest that had been agreed upon. Is it possible for us to waive this debt and thus pay off the zakaah that we owe?
3. We own some property in the country where the war was, that we took possession of after the war ended, and we are planning to sell this property in order to pay off debts and so that we can buy a house in the place where we live now. Is this property subject to zakaah?.

please oh brothers could you please tell me how a woman could perform wudu for my wife and also could you please tell me how to say ayat al kursi in arabic words but english text as iam yearning to learn the beautiful ayat which the almighty has mentioned so much about him self.please please could you answer this one asmy heart is yearning for it. may allah bless our beloved prophet and his family and his companions.

I know that a woman is not permitted to travel without a mahram with her. I would like to know what is meant by (traveling) exactly. Where should we start measuring the distance, from the beginning (a place in the desert), or from where?
My father has a farm on Misr-Ismailia way, and he likes us to visit him every so often, this farm is about 75 minutes maximum from home. Is this considered traveling?
Considering that there are many new cities, schools, companies, and farms along the way.

What is the du’aa’ that we should say when breaking our fast?.

Allah is beautiful and loves beauty. With a dark complexion, acne prone skin, misaligned teeth, and average height, I consider myself ugly. So does that mean Allah hates me? I have heard taunts about my looks for a long time. I have been through a lot of social pressure because of how I look and remain depressed most of the time. Some have even blatantly expressed their concern over my marriage. Where is my position in Islam regarding all this, since Islam encourages men to marry beautiful women? I cannot thoroughly blame others for their concern, because they are in a way quoting the Quran. But then again where is my fault? I didn’t choose to be ugly. And how does one justify the fact one is rejected socially, rejected for jobs, rejected for marriage proposals, all because one is not good looking enough? Where is Allah’s justice in this when He has created us all equally?.

I live and work in UK. In order to get extra welfare benefits to help pay my rent and local council taxes (on top of national taxes) I am showing less income (earnings). By doing so I get extra money which helps pay various bills and I save some as well. Is this permissible? Is this income Haram? Is the whole amount of benefit I get Haram or parts?

What is the reason for the existence of the honourable scribes even though Allaah knows all things?.

I read your answer about prayer whilst doing surgery or afterwards. I work as a doctor and the day is very short in Canada during the winter; Maghrib comes at 5 p.m. Hence the time between the prayers is very short and I do not know how the surgeon can do his work when this time is very short. Hence I think it is better to make the prayers up afterwards. What is your opinion on that?

I have noted that some worshippers let their nails grow long and they are filled with dirt. Is this befitting for a Muslim? Is their wudoo’ valid? Is there a specified time limit for cutting the nails, or for doing other things that are Sunan al-Fitrah (specific sunnahs connected to the natural disposition of man)?

There is a person who was in a state of janaabah and he wanted to do ghusl for janaabah, but he said: I shall wait until the time for Jumu‘ah comes, then I will do one ghusl for both Jumu‘ah and janaabah. That was after Fajr prayer. But when the time for Jumu‘ah came, he did ghusl for Jumu‘ah and forgot to intend to do ghusl for janaabah. Then he prayed for an entire day, until Zuhr on Saturday, and he led the people in praying Zuhr. Then after Zuhr he remembered. Was his prayer and the prayer of the people valid? Should he tell the people about that?.

As Salam Wahalakum, Brothers and sisters My question is kind of puzzling but I think it is important My question is: Is a man suppose to shave his legs if his hair grows big like we do to over private parts? I 'm asking this question because most of my friends do it and I didn't because I was never told. So please answer this question and don't leave it as joke. Thank You