At the time of calculating zakat,
1.Do I take into account the total value outstanding of my car debt , or the total value outstanding for the year?
2.Do I deduct this debt from my total income on hand at the date of calculating zakat?
3.Regarding Kruger coins purchased for children (non-baaligh), is it zakaatable by parents, if the Kruger coin is less than the nisaab value, do you add to your total cash on hand at the date of calculating?
4.Regarding stock on hand, do you deduct all expenses as car , car household insurance, money due to creditors, bond payments, electricity ETC, do you calculate on debt outstanding for the year or total value.