Can you decipher the following common phrase?

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

Two old friends, Jack and Bill, meet after a long time.

Three kids
Jack: Hey, how are you, man?
Bill: Not bad, got married and I have three kids now.
Jack: That's awesome. How old are they?
Bill: The product of their ages is 72 and the sum of their ages is the same as your birth date.
Jack: Cool..But I still don't know.
Bill: My eldest kid just started taking piano lessons.
Jack: Oh, now I get it.

How old are Bill's kids?

You are driving down the road in your car on a wild, stormy night, when you pass by a bus stop and you see three people waiting for the bus

An old lady looks as if she is about to die.
An old friend who once saved your life.
The perfect partner you have been dreaming about.
Knowing that there can only be one passenger in your car, whom would you choose?

Speaking of rivers, a man calls his dog from the opposite side of the river. The dog crosses the river without getting wet, and without using a bridge or boat. How?

John and Jacob are twin brothers. One of them is a liar whereas the other one is a truth-teller.

I called their home number and one of them picked up.
I asked. 'Does John lie?' The person replied with a yes.

Whom did I talk with, John or Jacob?

John is found dead in his office at his desk. The police have narrowed the suspects down to three people: Mrs. Jacob, John’s wife Hena and his business partner Jason . All three visited John on the day of his murder, but all three provide the police with stories of explanation as to the reason for their visit.
Police found John with his wrist watch still on his right arm, a torn up picture of his wife laying on the floor beside the trash can, and an ink pen in his right hand. On the desk, the police found a name plate, a telephone that was off the hook, and a personal calendar turned to the July 5th page with 7B91011 written on it. After examining this evidence, the police knew their suspect. Who was it ?

I have four wings but can't fly.
I express no emotions.
I am found on the exact spot every time you look.
I keep toiling away with a little sound.

Do you know what am I?

The cream is heavier than Milk. True or False?

A chess tournament is taking place on knock-out terms (the one who loses the match is out of the game).
(a) If 10 matches are played in total, how many players participated?
(b) If 20 players took part in the tournament, how many matches were played?

People make me, save me, change me, raise me. What am I?