Joining the jamaat after two rakaats in a four rakaat Salaah

Q: When I am late for a fardh for example salatul dhuhr, I am late of two rakaats and I joined them and I am performing the 3rd rakaat and then after salaam you will stand again to finish the two rakaats. Here's my question, on the first rakaat should I perform attahiyat and point a finger or you will only point a finger on the second rakaat? And then after that will be salaam?

Waswasas of divorce

Q: I was having a good time with my wife. I just snatched a pillow from her because I was using the internet at that time so she said to me a word in urdu (katti) and I said (acha yar). I hope you know katti. Katti means when in childhood friends use to say to break friendship and they raise little finger and say katti. That word, my wife used to me and it was just in love I know but I was busy on the internet and I said acha yar thats all. I didn't have niyaat or any thoughts of divorce. After that when using the internet I got waswasa and it made me afraid. I am having waswasa since 1 year. What to do?

Black magic

Q: I am very much puzzled and in serious crisis.I was a happy person but since 2013, my business is ruined. Whatever efforts I make becomes useless. People like my work, products and satisfied with my dealings but suddenly after few days they do not contact me. Now I am in a very bad and serious financial crisis. I have to pay thousands of money to many people. I do pray but it looks like my dua/prayers are not listened by Allah. Some say that I and my business are under the effects of black magic. Please help me as I have now lost all hope.

Children and upbringing

Q: I have a five year old daughter and a 5 year old grand daughter. My grand daughter has very very bad manners and bad character. She has no way of speaking even to her own parents, back chats, lies etc. The problem is my five year old daughter is picking up all these bad habits. We live just fifteen min utes away from each other so naturally we meet often. What do I do to save my daughter from picking up all the bad habits. She tries to imitate my grand daughter in every way. Jazakallah for your time.