Can you solve the tricky chess rebus puzzle below by ciphering the hidden meaning?

A Miser man decided to go on a vacation for a month. He goes to the bank and asks for a trip loan of $500. The bank officer asks the man that the loan can only be approved when he mortgage some valuable thing at the bank. Miser man mortgages his only car whose worth was a whopping $80000. The Bank officer laughed at him and approve the loan instantly. After vacation when the miser man returns, the bank officer asked him "Are you an idiot, why is your mortgage such an expensive car for such a short loan?".

Miser man replied with some reason and the bank officer agreed that the miser man is actually not an idiot.

What did miser man reply to the bank loan officer?.

My first is in chocolate but not in ham. My second is in cake and also in jam. My third at tea time is easily found. Altogether, this is a friend who is often around. What is it?

You are in a land where thirty men and two women were dressed in classic black and white dresses.
They begin to fight as soon as any of them move.

Where are you?

Can you Find and name the hidden bird in the picture below ?

Count the number of triangles in the below picture?

Your job is to measure 45 minutes if you have only two cords and matches to light the cords.

1. The two cords are twisted from various materials, so their different segments can burn at different rates.
2. Each cord burns from end to end in exactly one hour.

Describe your way of measuring the 45 minutes.

How many words can a pen with half refill write?

I look at you, you look at me, I raise my right, you raise your left. What am I?

Can you make a six-letter word using the letters N, A and B ?