ANSWER: Reciting it is by learning their meanings and by calling upon Allah with these beautiful names, you call Him with the suitable name according to your situation. For example, you want forgiveness, you say Ya Ghafoor.

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ANSWER: If this ointment doesn’t form a layer(which is most likely possible) and it absorbs into the skin and it does not block the water from reaching the skin, you don’t need to rub and your wudu would be valid. However, it is advisable that your perform wudhu first and then apply it.   

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ANSWER: One should not stop praying during these spottings until the proper flow of blood starts. However, this is najis and she must wash it off and perform wudhu before praying. 

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ANSWER: No, it is not necessary. You can make wudu while in nude as well.   

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ANSWER: If you will be able to complete it before fard salah starts then you should complete it, otherwise break it in order to join the Imam before he gives the first takbeer.   

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