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Difficulty in Returning Stolen Funds

Years ago, when I was working for a consulting firm, my bosses had me inflate hours we charged clients. (I received a set monthly salary). I now feel bad that I stole from my clients. I would want to return that money, but it is too hard to track down the clients and know how much to pay each. I understand that in such cases, one can donate money for public needs, so that those who are owed benefit. How do I do that, considering that many clients probably now live throughout the country and likely the world?

Using Tzedaka Funds for Grandchildrens Education

Can one use maaser money to pay for their grandchildrens education? Is there a distinction between grandsons and granddaughters or Judaic studies and general studies? If it is permitted, may I putting money in a 529 fund (which earmarks savings for education, primarily post-secondary in return for tax breaks for the donor in the US)?

Where Should the Tzitzit Be Connected to the Tallit?

I have learned that the tzitzit should be laying on the outside of the tallit, but I do not see that people are careful about it. How important is it for it to be done properly?

A Late Tachanun

The chazan skipped Tachanun, and everyone assumed there was a chatan or a brit. After davening, the chazan said he just forgot Tachanun. People disagreed about whether we could/should say Tachanun at that point. What is the halacha?

Kedushat Beit Knesset of a Rented Building

Clients of mine want to rent out a building that has served for a family business to a religious group, who will use part of it as a shul. They are concerned that if things do not work out, they will get back control of the building with some of it having the restrictions of a shul, which would restrict their use of it. Is this a problem, and if so what can be done to obviate the problem?

Chanuka Candles Inside and Outside?

I grew up lighting Chanuka candles inside the house. In my community, the uniform practice is to do so outside. I think that is great, but I miss seeing them inside my house. Is it permitted to light a second chanukia indoors (could it be bal tosif)? If permitted, what is the best way to do it?

Switching Chazanim at Ashrei

In my small, Ashkenazi Shacharit minyan (without a rav), we now have two aveilim. They have been switching being chazan at Ashrei, but recently some people (mainly Sephardim) raised objections. I thought it was a standard practice. Is there a problem with it?

Heating Pad on Shabbat

I have muscle pain in my back, which sometimes becomes severe. Going to bed with a heating pad has made a big difference sometimes. May I use it on Shabbat, or is it a problem of muktzeh?

Partial Participation in a Wedding

If one does not have enough time to take part in a whole wedding, is it better to come for the chupa or for the meal?

Bankruptcy in Halacha part II

I have $30,000 of credit debt (in the US). I lost my job, and my new job pays less. I do not see how I can pay the debt. What does Jewish law say about filing for bankruptcy?
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