Decode this picture on T-Shirt and tell what it says ?

People make me, save me, change me, raise me. What am I?

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?.

A beggar on the street can make one cigarette out of every 6 cigarette butts he finds. After one whole day of searching and checking public ashtrays the beggar finds a total of 72 cigarette butts. How many cigarettes can he make and smoke from the butts he found?

I have feet, but no legs. Which animal Am I?

First, think of the colour of clouds. Next think the colour of snow. Last, think of the colour of the moon. Now, what do cows drink?

What always comes into a house through the keyhole?

Below the four parts have been reorganised. The four partitions are exactly the same in both arrangements. Why is there a hole?

What number does the below three word/phrase identify and why?
1. Deck
2. Year
3. Singing in the Rain

There was a blind man. He had four socks in his drawer either black or white. He opened it and took out two socks. Now the probability that it was a pair of white socks is 1/2.

Can you find out the probability that he had taken out a pair of black socks ?