ANSWER: Will his fear of catching cold stop him from going to work and buying stuff or this is only for going to prayer? 

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ANSWER: This is authentic and it’s part of the Morning adkhar. You should recite it 3 times.  You will find all these adhkar in a booklet called ‘Hisnul Muslim’, in English its called ‘Fortress of the Muslim’  Authentic Supplications For Morning And Evening

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