Some IPA of names

[GoesStation]

For me, /d/.

"roh". Row rhymes with "now" only when it means "argument". It's rarely used in that sense in American English.

[jutfrank]

Don't try to transcribe individual words if they occur in context. You should aim to transcribe the whole utterance. The final '-ed' of finished is pronounced as /d/ in this context.

In sentence 2, row is pronounced to rhyme with 'know' and 'grow'.