ANSWER: No problem as praying with the congregation is not mandatory upon you but you would be losing a great deal of rewards.

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ANSWER: If you skip it intentionally then your prayer is not valid as it is mandatory to say.

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ANSWER: The sunnah is to repeat after a live athaan and say the dua after hearing it. If you can’t hear it, you shouldn’t say the duaa. If you are a male, you can call the athan yourself and say the duaa. 

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ANSWER: You can gift your daughters equally if you want, however that gold would belong to them in reality and you will not be it’s owner. They must possess it and have full control over it even if they want to sell it! Otherwise you are trying to trick Allah to avoid paying zakat

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