Answer:
What can be cracked before it's used?
What do people spend a lot of money on every year, but never want to use?
My first is a heir; My second's a snare; my whole is the offspring of fancy; which I sent out of play upon Valentine's day As a token of love to my Nancy.
After you go through a fall, I will take over. All life will stall, or at least grow slower. What am I?
I am milky white and scares people.
Be sure to shout for its answers are weak, but there is no language it cannot speak.