What is the word or phrase?

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?

There is a river to cross using a river raft and there are eight people (father, mother, policeman, thief, 2 daughters and 2 sons). No one knows to operate the raft except the adults and also excluding the thief. Only two people can go in the raft at a time. The raft should keep coming back and forth in order to pick and drop the people.
Rules to be followed:
Father: the father cannot stay in the raft or outside the raft without the presence of the mother.
Mother: the mother cannot stay in the raft or outside the rat without the presence of the father.
Thief: the thief is not allowed to stay with any of the family members unless there is a policeman.
Policeman: the policeman can travel with anyone.
2 sons and 2 daughters: they are not allowed to travel in the raft without the presence of an adult. They cannot either travel in the presence of only thieves without the policeman. The sons cannot be with their mothers without their father's supervision. The daughters are not allowed to be there with their fathers without the supervision of their mothers. But the daughters and the sons can be left unsupervised (as long as the other rules are applied).
What is the sequence that the people should follow in order to cross the river through the raft keeping in mind all the rules?
The rules are applicable not only in the raft but also outside the raft.

If,

6 / 7 = 2
3 / 9 = 7
8 / 2 = 6

Then

4 / 5 = ?

A man was telling some of his war stories to his grandchildren.
"When the World War I was on the verge of end, I was awarded for my bravery for I had saved a group of my men." He coughed and then added, "When we were fighting in northern France, an enemy soldier threw a grenade at us. Before it could explode, I picked it up and threw it away. For my act of bravery, right before the war ended, A General gave me a sword engraved with the words "Awarded for Display of Bravery and Heroism in World War 1"."

Hearing this, one of the grandson spoke up. "Grandpa, this is not a true story. It can"t be true!"

The truth is that it was not. How did the grand children know it?

The host of a game show offers the guest a choice of three doors. Behind one is an expensive car, but behind the other two are goats.
After you have chosen one door, he reveals one of the other two doors behind which is a goat (he wouldn't reveal a car).

Now he gives you the chance to switch to the other unrevealed door or stay at your initial choice. You will then get what is behind that door.

You cannot hear the goats from behind the doors, or in any way know which door has the prize.

Should you stay, or switch, or doesn't it matter?

During which month do people sleep the least?

It walks on 4 when its young, walks on 2 when it's older, and walks on 3 when its very old?

John is looking at Jenifer, but Jenifer is looking at Jacob. John is married, but Jacob is not.

Is a married person looking at an unmarried person ?

I hide my treasure in the ground, my tail is big and fluffy. If you spot me in a tree, please don’t call me scruffy. What am I?