When it's bad luck to meet a black cat?

There are two insects on a tile. Insect X is sitting on one side of the tile (point A) and Insect Y is sitting opposite on the other side of the tile (point B). Now both of them decide to change their position and thus X starts crawling to point B and Y starts crawling to point A. When they meet and pass each other in between, X takes 20 seconds to reach B and Y takes just 5 seconds to reach A.

Can you calculate the total time each of the insects took to change their positions?

It's a protector.
It sits on a bridge.
One individual can see directly through it, while others wonder what it hides.

What is it?

A man who was outside in the rain without an umbrella or hat didn’t get a single hair on his head wet. Why?

There are three houses in a straight row. One is red, one is blue, and one is white. The red house is left of the middle. The blue house is right of the middle. Where's the white house?

The below given figure comprises of a pattern through which you can determine the missing letter. Can you push your mind to find the pattern and add the missing letter?

There are 2 people near the river and both of them want to get on the other side. The boat can only take one of them. But they got across.
How?

Suppose that you are trapped on the surface of a frozen lake. The surface is so smooth and ideal that there is no friction at all. You cant make any grip on the ice and no wind is blowing to help you out. You have just a mobile phone with you which has got no reception disabling you to call for help.

How will you plan your escape before you freeze to death on the frozen lake?

Two boys were admitted to a school. When the headmaster asks them about their parents, they tell him that they have same parents (father and mother). On further inquiry, it turns out that they both share the same date for their birthday.

"Are you twins," ask the headmaster.
"No," replies the boys.

Is it possible?

Can you move 2 matchsticks to form four equal sized squares.