What does this rebus riddle means ?

Can you decipher the following common phrase?

T M C
A U O
H S M
W T E

There are hundred red gems and hundred blue gems. The blue gems are priceless while the red gems equal wastage. You have two sacks one labeled Heads and the other Tails. You have to distribute the gems as you want in the two sacks. Then a coin will be flipped and you will be asked to pick up a gem randomly from the corresponding sacks.

How will you distribute the gems between the sacks so that the odds of picking a Blue gem are maximum?

If we change the South-East direction into North and North-East into West and all others similarly.
Can you find out which direction will be in the place of South-West direction?

In the city of Brain Teasers, 5% of people do not list their phone numbers. Now if we select random 100 people from the phone directory, then how many people selected will have unlisted phone numbers?

A Man gave one of his sons 10 cents and another son was given 15 cents. What time is it?
Hint: Figure out the relation between time and number, is not so easy..:)

If you remove one from eleven, it becomes ten. If you remove one from nine, it becomes ten.

How is this possible?

John went to buy some expensive, foreign chocolates. He only had Rs 100 with him. When he reached the shop, he got out and know that on those chocolates, there was a 15% import duty and 5% VAT.

How much worth chocolate should he buy so that he can accommodate it in Rs 100?

In particular commonwealth games, a female participant won silver and gold medals for a single event.

How can this be possible?

Name the three-letter word that can complete the below words?

A) L O _ _ _ E
B) E D U _ _ _ E
C) _ _ _ E R
D) _ _ _ T L E