بارَكَ اللهُ لَكَ في أَهْلِكَ وَمالِك، إِنَّما جَـزاءُ السَّلَفِ الْحَمْدُ والأَداء.
Barakal-lahu laka fee ahlika wamalik, innama jaza-os-salafil-hamdu wal-ada/.
‘May Allah bless for you, your family and wealth. Surely commendation and payment are the reward for a loan.’
shirk: to associate others with Allah in those things which are specific to Him. This can occur in  belief, e.g. to believe that other than Allah has the power to benefit or harm,  speech, e.g. to swear by other than Allah and  action, e.g. to bow or prostrate to other than Allah.