Graphic designer using pictures of animate objects in his designs

Q: I am a Graphics Designer. I have been working on the software called Illustrator. This software is used to make logo, portraits and many other designs.

I work for different clients all over the world. In almost all the projects I have to make a picture of a human, animals and plants to make it attractive. But I came to know from somewhere that making these designs is forbidden in Islam. If yes, then why taking pictures is allowed?

I hope to get a detailed answer. If this is really forbidden then please suggest what I can create. I think in these ages its difficult to run away from pictures and drawings since they are every where. 

Stipulating a fixed amount as profit in an investment

Q: I am running a business of supplies and transportation. One of my friends is interested to invest with me in a car. He wants to invest ten lac rupees for five years on a profit ratio of rs. 1500 per month. Is it permissible or is there any restriction in such an investment?

He will receive a fixed amount of rupees (15000) on his investment and if there will be any loss or damage of the car, the insurance company or myself will bear the financial loss on the car. What will be the Islamic ruling in this condition?