Funny Cipher Riddle

Can you decipher the following common phrase?

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




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My first is in chocolate but not in ham. My second is in cake and also in jam. My third at tea time is easily found. Altogether, this is a friend who is often around. What is it?

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Tabular Math for All

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12345 a famous South Indian actor
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WHO AM I?

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Joseph buys three kinds of chocolates for 100 rupees. The first one is priced at 5 rupees, second one at 3 rupees and third one at 0.5 rupees.

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