Can you decipher the following common phrase?

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

It's a protector.
It sits on a bridge.
One individual can see directly through it, while others wonder what it hides.

What is it?

There are people and strange monkeys on this island, and you can not tell who is who (Edit: until you understand what they said - see below). They speak either only the truth or only lies.
Who are the following two guys?
A: B is a lying monkey. I am human.
B: A is telling the truth.

He digs out tiny caves and stores gold and silver in them. He also built bridges of silver and made crowns of gold. They are the smallest you could imagine. Sooner or later everybody needs his help, yet many people are afraid to let him help them. Who is he?

I can turn polar bears white.
I can make anyone dance.
I can make everyone cry
I can make your hands clap
I can make you thin.
I can make you smile.
I can make you smile

Can you guess the riddle?

A bank customer had $100 in his account. He then made 6 withdrawals. He kept a record of these withdrawals, and the balance remaining in the account, as follows:

Withdrawals Balance left
$50 $50
$25 $25
$10 $15
$8 $7
$5 $2
$2 $0
----- -----
$100 $99

Why are the Totals not tallying?

In a guessing game, five friends had to guess the exact numbers of apples in a covered basket.
Friends guessed 22, 24, 29, 33, and 38, but none of the guesses was correct. The guesses were off by 1, 8, 6, 3, and 8 (in random order).

Can you determine the number of apples in a basket from this information?

The owner of a popular clothing store comes up with his own method of pricing items. A vest costs $8, socks cost $10, a tie costs $6, and a blouse costs $12. Using the owner’s method, how much would a pair of underwear cost?

Krish is 45 years old and his mother Crishtina is 73 years old.

Can you find out how many years ago, his mother was three times his age?

What is the next shape from answers A, B, C, and D figure?