Zakat

ANSWER: No this is not permissible. You cannot change the intention now, intention should have been prior to commitment. 

ANSWER: No, this is not permissible.  Zakat must be given in cash to poor and needy Muslims and they will do whatever they want with it. 

ANSWER: You must look at all the bank statements of these past years and must pay zakat for all these years if the savings reached or was above nisab and you must repent sincerely to Allah as zakat is one of the pillars of Islam and you cannot be so easy about not fulfilling this […]

ANSWER: Your wife’s gold belongs to her. She is obliged to pay it once her zakat is due providing it reaches the nisab. If you want to unite both zakat date and pay one earlier than the other, this is permissible but you need your wife’s prior authorization to you for that.

ANSWER: Zakat is due on the savings regardless whether the owner is a child or has reached the age of puberty.

ANSWER: If this is possessed as jewelry, there is no zakat on it. But if one is trading with it, there is zakat. 

ANSWER: Cost of silver is considered for paying zakat.  If you have cash money that is equivalent to 595 grams of silver or more and stays with you a whole hijri year, you must give zakat on that.

ANSWER: This is absolutely not permissible.  You must give the zakat as soon as the time is due. A delay of a couple of days is ok but it’s not permissible at all what you mentioned. You can pay your zakat in advance for a year or two but not delay it!