Can you decipher the following common phrase?

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

If we add four times the age of John four years from now to five times his age five years from now we get ten times his current age.

How old will John be two years from now?

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?

How can you tell a raw egg from a hard-boiled egg?

2 ladies and 2 girls need to cross a river in a boat big enough for 1 LADY or 2 girls. How do they do it?

Why is the Hole below a Lock?

I welcome the day with a show of light, I stealthily came here in the night. I bathe the earthy stuff at dawn, But by noon, alas! I'm gone.

A river should be crossed by a father, a mother and their two sons and two daughters.
There are some rules that should be followed while crossing the river. There can be only two people in the raft while crossing. The daughters cannot be with their father unless there is the presence of the mother. The sons cannot be with their mothers unless the father is present. Unless the guard is on the board, the criminals cannot be with any of the family members. Only the adults like the father, the guard, and the mother knows to use the raft.

How will they cross the river?

I am a type of food that is often found in the fridge and can be white in colour. What I am?
Hint 1: I am a dairy product.
Hint 2: You can spread me on the bread.

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 ?