Can you decipher the following common phrase?

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

In a certain bank, a man deposits a certain amount. According to the bank policies, the amount will be doubled up in a year but as the service charge, they will also deduct Rs. 65 by the end of every year.

If after the 6th year, the amount becomes 0, what do you think is the original amount he deposited in the bank?

You are in a room with no metal objects except for two iron rods. Only one of them is a magnet.
How can you identify which one is a magnet?

A boy purchased a book from a bookkeeper and gave him $100.
The cost of the book is $50 but the bookkeeper has no change, so he gets the change from the next shop and returns the boy his $50.

After some time the next shopkeeper came with the $100 note and told the bookkeeper that the note was a fraud, so he took the money back.

How much loss did the bookkeeper face?

While going to your grandmother's house, you counted Twenty houses on the right side. While returning back to your home, you counted Twenty houses on the left side.

How many houses are there between your home and your grandmother's home?

Which letter of the alphabet has the most water?

There is something which you can be arrested for attempting but not for successfully completing.

I know there are two methods by using three time the same number with a plus(+) operator , you can make sum as 60.

One of them is 20+20+20.

whats the other way ?

The two towns are exactly 100 km apart. John leaves City A driving at 30 km/hr and Jacob leaves City B half an hour later driving at 60 km/hr. Who will be closer to City A when they meet?

I look at you, you look at me, I raise my right, you raise your left. What am I?