A lot of these questions are covered in the lecture I gave you - post #2 - did you follow the link?
The first question is handled in the link I gave you, as for the second, there is no reason to suppose that physiological time in our bodies is any different from the "time" we measure with any other kind of clock.
Our
perception of time, on the other hand, is something that happens in our minds. It's relation to the physical world would, therefore, be a mind-body problem. Nobody has solved that one yet.
But if you mean "why do we remember the past and not the future?"
That can be understood in two stages:
1. remember(!) that we call the stuff we remember "the past"
because we remember it - it's the definition of "the past". (Lets not get bogged down in ideas about historical past and True past events and false memories etc please? You know what I mean - thanks.)
2. our memories are not magic - they must be laid down by some physical process. To be persistent, which they must be to be called "memory", the process must be irreversible. Thus "memory"
must be one way ... irreversible processes go in the direction of increased entropy - therefore, so does our memory of the order of events.
Hawking actually covered this in "A Brief History of Time" quite a while ago and many others have written on it since (and before).We can decrease entropy locally, and that does not result in backwards flowing time.
But you should be careful what you mean by "backwards" and "forwards" in the context of time. These are directions relative to something ... what would time be moving back or forth with respect to?
We see time flowing in the same direction as the increase in total entropy.
When local entropy decreases, it does so against the flow of total entropy change.
If
total entropy were to decrease - would we notice?
For us to notice we'd have to see our clocks turn backwards ... which would mean that our local entropy (in the mechanism that lays down our memories) would be running the opposite way to the total entropy. So which is going backwards, time, or us?
Dan Dennet talks about how memory works in his provocative "Consciousness Explained" - his recent TED talks are largely about perception. They will help you here I think.
Inside a black hole there is no reason to suppose time "runs backwards" there either - though that is a whole different kettle of piranhas.
My favorite link for what happens inside a black hole - as near we can make out - is:
http://www.jimhaldenwang.com/black_hole.htm
I think this goes beyond the concepts you are wresting with though.
As the others have said: no. It is a very common misconception that the Big Bang is the Universe exploding into being from some point - see Disney's
Fantasia for a typical illustration.
You should read the link in Phinds' sig.
Note: the ideas you are trying to work through are very big - there is no way anyone can provide complete answers in these forums. That is why we give you links and pointers for further reading. Do go read them.