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Your three hundred ninety-five (395) rounded to the nearest ten (10) is four hundred (400). The rule is that a five (5) or higher number rounds up. Numbers four (4) and lower round down.
0.093 in word form is "ninety-three thousandths." This is because the digit 0 is in the tenths place, the digit 9 is in the hundredths place, and the digit 3 is in the thousandths place. So, when read aloud, it is "ninety-three thousandths."
0.090
Three hundred ninety-one thousandths in decimal form is 0.391