What does this simple rebus mean?

Two girls were born to the same mother, on the same day, at the same time, in the same month and year and yet they're not twins. How can this be ?

Move three sticks of the spiral below to form a square.

'S' refers to the number of seconds in a day and 'H' refers to the number of hours in ten years. Which quantity out of these two is greater?

How can you leave a room with two legs and return with six legs?

You can hear me, but you can't touch or see me.

What am I?

If 5 cats catch 5 mice in 5 minutes, how long will it take one cat to catch a mouse?

A thief enters a store and threatens the clerk, forcing her to open the safe. The clerk says, “The code for the safe is different every day, and if you hurt me you’ll never get the code.” But the thief manages to guess the code on his own. How did he do it?

In a mathematical quiz, you are asked the following question:

Use three 9s in a mathematical expression without dividing or multiplying to form the number one.

Can you answer the question?

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?.