ANSWER: You can send salutations on our Prophet ﷺ anytime of the day or night but specifying it on the times you mentioned is not permissible as this is not a prescribed dhikr during those times. 

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ANSWER: “Whoever recites Ayat al-Kursi after every Salat, the only barrier between him and paradise is death.”

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ANSWER: This is not authentic. However, missing the mandatory prayers without a valid reason is a major sin & abandoning prayers altogether would make a person kafir!

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ANSWER: No problem if you missed it. However, you would be unprotected during the time you missed.

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