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

Look at the below sequence of letters and tell us what the next letter should be:

O T T F F S S ?

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?.

Transform the word THINK into BRAIN while changing only one letter at a time in a manner that each of the word in the process is a real word!!!

While sitting in the Car, John suddenly finds that one of the wheels was missing. John noticed that a killer is approaching towards him. John cannot get out of the car.

How will John escape?

There is a family that live in a round house. The two parents go out for a movie and leave a babysitter to watch their son. They come back and the kid was not there. Some one kidnapped him. The maid said she was cleaning in a corner. The cook said he was making pizza. The babysitter said she was getting a board game. Who kidnapped him.

What is the next number in this matchsticks series riddle?

What has 13 hearts but no other organs?

Which country gets ill every time?

When Jack was six years old he hammered a nail into his favourite tree to mark his height. Ten years later at age sixteen, Jack returned to see how much higher the nail was. If the tree grew by five centimetres each year, how much higher would the nail be?