ANSWER: No problem in this, as long as you do not participate in their kufr gatherings or celebrations

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ANSWER: If you don’t know how to say it in Arabic, say it in your native language but you must verbally utter it and not just say it in your mind.

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ANSWER: She is about 8 months late on her zakat as every three Gregorian years there is about one month and a day or two difference with the lunar year.  Therefore, if she pays her zakat about 8 or 9 months earlier form now on, she will be fine in sha Allah

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