What is harder to catch the faster you run?

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?.

While going to your grandmother's house, you counted Twenty houses on the right side. While returning back to your home, you counted Twenty houses on the left side.

How many houses are there between your home and your grandmother's home?

Below is the sum of symbols in each row and column in the figure. Analyzing the figure, can you find out the value of the symbols?

Count the number of squares in the picture below.

A girl was sitting in her hotel room when she heard a knock on the door. She opened the door and found that a man was standing outside. The man said, "Oh! I am really sorry, I thought this was my room." He then walked through the corridor to the elevator. The girl did not know the man. She closed her door and called security asking them to apprehend the man. What made her suspicious of that man? He might have been genuinely mistaken.

In the city of Brain Teasers, 5% of people do not list their phone numbers. Now if we select random 100 people from the phone directory, then how many people selected will have unlisted phone numbers?

What jumps when it walks and sits when it stands?

There is a basket full of hats. Three are white and two are black. Three men, Tom, Tim, and Jim, each take a hat out of the basket and put it on their heads without seeing the hat they selected or the hats the other men selected. The men arrange themselves so Tom can see Tim and Jim’s hats, Tim can see Jim’s hat, and Jim can’t see anyone’s hat. Tom is asked what color his hat is and he says he doesn’t know. Tim is asked the same question, and he also doesn’t know. Finally, Jim is asked the question, and he does know. What colour is his hat?

In four steps you need to move the word 'cold' From 'warm' by replacing one alphabet at a time such that every word formed at each step is acceptable in English Dictionary.