1) You need a template engine. There are many out there, but here is a collection of the most promising ones: http://www.webresourcesdepot.com/19-promising-php-template-engines/
2) Your choice. But it will be hard to test without a database. So I suggest create the database first if you already have a design plan.
+1) I suppose, you want a link to the source, not the page itself. Well, go to SourceForge
], and choose one.
+2) "decrease page refresh"? What exactly do you mean?