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.
A warrior amongs the flowers, He bears a thrusting sword. Able and ready to use, To guard his golden hoard.
Who is it that rows quickly with four oars but never comes out under his own roof?
The homes of tiny creatures that collect in corners if you aren't vigilant about dusting.
What animal keeps the best time?
I hold two meanings. With one I may be broken, with the other I hold on. What am I?