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 are people and strange monkeys on this island, and you can not tell who is who (Edit: until you understand what they said - see below). They speak either only the truth or only lies.
Who are the following two guys?
A: B is a lying monkey. I am human.
B: A is telling the truth.

You can take four of the five letters out of this word, but the pronunciation never changes. What is the word?

I know a 5-digit number having a property that With a 1 after it, it is three times as large as it would be with a one before it.

Guess the number?

What does this mean?

CCCCCCC

Assume there are approximately 5,000,000,000 (5 billion) people on Earth. What would you estimate to be the result, if you multiply together the number of fingers on every person's left hand? (For the purposes of this exercise, thumbs count as fingers, for five fingers per hand.) If you cannot estimate the number then try to guess how long the number would be.

A plane crashed between the border of Mexico and America. Where do you bury the survivors?

If two fifty-foot ropes are suspended from a forty-foot ceiling that is twenty feet apart, how much rope will you be able to steal if you have a knife?

It is a six-letter word.
The first four letters are me.
The second and last letters are the same.
The fourth second and last letter is payment.

Who is it?

No matter how little or how much you use me, you change me every month. What am I?