Answer:
My first is twice in apple but not once in tart. My second is in liver but not in heart. My third is in giant and also in ghost. Whole I'm best when I am toast.
When it was young, it had a tail. When it grew up, it had knees
What is common to eat before it's born and after it's dead?
Creeping on its belly, curled into a ring. Eyes forever open, beware its lethal sting
I live in the desert and have humps to store water. What am I?
A man goes out in heavy rain with nothing to protect him from it. His hair doesn't get wet. How does he do that?