What is so fragile that saying its name breaks it?

Evil warlock dislikes dwarfs and therefore he selects four of them and buries them. The dwarfs are buried in the ground and they are in such a way that except for their heads, their body is inside the ground. The dwarfs cannot move their body and they can view only forward. They are all buried in a line, and amongst the four, one of the dwarfs is separated by a wall. All the dwarfs are in the same direction. The last dwarfs can see two heads of friends in the front and a wall. In the last second dwarf can see one head of his friend and a wall. The second dwarf can see only the wall. The dwarf can see nothing.
Warlock comprehends the situation and tells the dwarfs that he has placed hats on their heads. There are two blue hats and two red ones. In all four dwarfs, one of them has to say what colour hat he is wearing. If the dwarf says the correct colour of the hat, they will be left free. If the answer is wrong, then they will be dug inside the ground till the very end.

What will be the answer by the dwarf and how will they answer?

He digs out tiny caves and stores gold and silver in them. He also built bridges of silver and made crowns of gold. They are the smallest you could imagine. Sooner or later everybody needs his help, yet many people are afraid to let him help them. Who is he?

The chance of Mr John winning the lottery is 10%. All participants lined up and Mr John is 4th in the row. The first three participants lose the lottery.

What is the chance of Mr John now?

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

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?.

13 decks of cards have been mixed. What is the minimum number of cards that must be taken out from the above-mixed cards to guarantee at least one 'four of a kind?

You have a basket containing ten apples. You have ten friends, who each desire an apple. You give each of your friends one apple.
Now all your friends have one apple each, yet there is an apple remaining in the basket.
How?

Which English verb becomes past tense just by rearranging the letters?

I know a nine-letter word having only one vowel.
Do you ?