ANSWER: No, this does not work and it’s not permissible.  They should say the adkhar themselves or they are not protected. 

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ANSWER: You should praise Allah in the beginning and offer salutation upon the prophet salla Allahu alaihi wa sallam and conclude your speech with another salutation if you want. 

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ANSWER: If a person buys something permissible with a riba-based loan, he has to repent to Allaah, and there is nothing wrong with him keeping or making use of the permissible thing, and he does not have to sell it.

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ANSWER: It is prohibited to say it in your native language if you know how to say it in Arabic. If you do so, this would invalidate your prayers. 

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