If one returns stolen money before Yom Kippur, is it necessary to personally apologize and ask for mechillah?

If one gossiped about another person, is it necesary to inform that person that you are the gossiper?

Sources can be found here .

Which fruit should one hold when reciting בורא פרי העץ on the night of Rosh HaShanah? When should the יהי רצון be recited? Sources can be found here .

If an electrical appliance has a LCD screen that will ruin if immersed in water, is one obligated to tovel that appliance? Sources can be found here .