Can you decipher the following common phrase?

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

I have Rs.50 and I spend it in the way as below.

You are playing a game with your friend Jack. There are digits from 1 to 9. You both will take turn erasing one digit and adding it to your score. The first one to score 15 points will win the game.

Would you want to play first or second?

PS: The sum should be exactly 15.

In a competitive exam, each correct answer could win you 10 points and each wrong answer could lose you 5 points. You sat in the exam and answered all the 20 questions, which were given in the exam.
When you checked the result, you scored 125 marks on the test.

Can you calculate how many answers given by you were wrong?

A four-digit number (not beginning with 0) can be represented by ABCD. There is one number such that ABCD=A^B*C^D, where A^B means A raised to the B power. Can you find it?

Why do we preferably have round manhole covers and not square ones?

Given below is simple addition with a defined pattern pattern:
7 + 7 = 2
8 + 8 = 4
8 + 5 = 1
6 + 9 = 3
10 + 11 = 9

Can you analyze the pattern and find out the answer for:

4 + 9 = ?

What is the word or phrase below?
R | E | A | D

Can you find a five letter word that is left with only two letters if one is removed?

They do not possess flesh or feathers or scales or bone
But still, they are blessed with fingers and thumbs of their own.