Han,

I think i have also come to the same conclusion, based on the fact that the recipient has to be made the owner...But it is not necessary that the Zakat should be paid in the month of Ramadan...It should be paid in full one year from when you went above th threshold (nisab)... For all practical purpuses people keep it as Ramadan or sometime December...

...You can't mean what you say unless you can say what you mean...