It is an innovation to say bismillathi la yadorru …. before eating. As for bismillah, it is best to say it without the rest. Likewise, with Al Hamdu lil Allah

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Setting up this type of agreement with a conventional riba based bank is not permissible. What you mentioned is clear riba as well.

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If done regularly, this is an innovation.

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There are few issues here. If you are one of the heirs who would inherit him if he were to die, you must provide for him and can’t give him your zakat. But if his father is alive or he has a son, then you can give him from zakat. He has to be poor […]

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If you missed these fasts without a valid reason (illness or traveling), then you must make them up ASAP. The days do not become double, you make up the amount of days you missed either before the upcoming Ramadan or after.

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