♪ you need to go out of business. >> they are nuts. they know nothing. >> i always like to say there is a bull market somewhere. "mad money" you can't afford to miss it. i'm cramer. welcome the "mad money" and welcome to cramerica. other people want to make friends, but i want to earn you some money. others want to entertain you, but i am trying to make you some money. we have become so jaded about the european chaos. so worried about the chinese hard landing. >> ow! >> or the fiscal cliff in

america. >> ow! >> it is difficult to imagine how anything positive could happen in the near term despite the juicy rally with the dow tacked on 92 points, and the nasdaq up. and lis ep, i get, i get the negativity, and there are no short term alternatives in europe. i won't pretend there are. banks in spain and italy are too weak, and the countries are way too much money, and to finance themselves. china is a quandary, and we are hearing not only that it could get worse, but it may not have been good to begin with. china is fudging the numbers endlessly. and then the united states, raising taxes and cutting the benefits, and doesn't that smack of what sent us into the recession or if not the depression in 1937? and bountiful tax gains are at risk and employment rates are disappearing, and isn't that the height of recklessness, and giving how the transient politicians behaved in the debt ceiling crisis last summer, you

have to wonder how they will act when it comes to the looming fiscal cliff. and looming fiscal cliff. i'm a cliche master. all of these make us retractable and want to sell everything and go home and want to ensconce us in the blanket of u.s. treasuries. anybody who challenges the conventional wisdom is sounding like a first class idiot. a nonrigorous dope who does no homework. saying things might not be that bad and immediately identifies you as a practitioner of wishful thinking. it brands you a very particular lightweight, and a permeable and reckless optimist who has no business opining about stocks or anything else for that matter. but do you matter to go back four short years to see what happened if you challenged the conventional wisdom back then. spoiler alert. i'm about to say some things that would have gotten me

chastised for not doing any research and not the mention believing in the santa claus and the tooth fairy and the pot of gold at the end of the rainbow. people who are smarter than i am, cover your ears. here goes. back then, four years ago you read article after article and what they were worried about? worried about how we were about to fall ouf the cliff. fiscal cliff? no. personal cliff where the household debt service were far greater than people could bear. this is four years later, okay. and we are now closing in on levels of the percentage of the disposable income percentages -- this is from the fed -- that we last hit in 1994. where we were about to experience a booming stock market and of course, a booming economy. and meanwhile, the refinancing wave puts more and more money in average american's pockets so much for for the personal cliff that so terrorized the stock market four years ago.

hey. another cliff while we are on the cliff mason is my head writer, and so we are touching every cliff right now. cliff. how about the corporate cliff? four years ago, our corporations were way too heavily indebt and layer after layer of debt and take on the acquire other companies and spending too quickly give ten wall we were about to hit, and seems that ben bernanke personally negotiated the cliff. and hard to have a day where a company is not issuing new debt, and issuing coupons, and this is a change that is totally unheralded, but i am heralding it now. and nobody cares about the bond market, but it is huge. where is the corporate refinancing happening most aggressively? with the financials. our banks have amazingly strong balance sheets as is clear from the banks worldwide.

especially as compared to the balance sheets of the banks worldwide. staying on the cliff walk. it is a cliff. yes, it is true, stockton just filed for bankruptcy and i have been to stockton and i played some minor league baseball there, and harrisburg, never there. but it is political chicanery, and it is waywardness that is unique to the state, but nevertheless, it is that prudent to have bonds for investments and instead of going belly up rather than the burgeoning bottom lines. okay. get to it. the housing cliff. we fell off of it and trillions of dollars made for us and we have months of sales where we are nowhere near where we are needing to spur the economy and the idea of being as overbilled as we were four years ago to being shortages in phoenix, and miami and western florida? well, i mean, even after the banks have let all of the houses

go or a lot of them, that was viewed impossible by the nay-sayers. housing cliff, been there, and done that. given how wrong the bear's conventional wisdom seemed to be long term, let's risk, and let ice risk the wrath of the rigor gods if not to a wrath of khan and all. and talk about what could bust a nonstop negativity about the day. and europe, and it seems retractable, but you know what, it seems that the biggest worry for our stocks to carry over from here to there is factored into the market everyday and including twice on mondays an tuesdays and wednesdays and thursdays and fridays. and if we do ban h business ove there, we will be hammered mercilessly. and these companies are not stupid, and ooh, what is happening in europe. they are e seeing it happen. europe is big, and accounting for 25% of the major american companies, but the stocks of the companies are now beginning to reflect the disappearance of the

profits entirely. in the meantime, the slowdown in europe has brought commodity prices down huge and especially oil and helped to buy the oil and domestic gas coverages. and remember in north dakota, they barely produced oil and now the second biggest producer in the country. and now that and texas are bigger than pru hoe bay. and it has been 47 years since we have had finds this big. and people are too bearish on the oil we are going to produce in america. and in china, why the endless n negativity. they could keep going for months and months before they run out of bullets. this has packed a real punch in north korea, and i'm bullish in the chinese rate cuts, and that is because the rate cuts move the stocks. sorry, bears. that is the way it works. finally the fiscal cliff here in the united states which is from now on going forward k-2 to make

it less monotonous and cliche, and if our people are cash safe, a i wonder if we are rich enough to withstand the tightening here, and we need the tightening and the cliff walk here. we can't go the way of europe, and going over the k-2 may be positive, because it is not a cliff at all and maybe it is a chance to abolish the uncertainty to become a solvent nation, and if we could do that, we wouldn't be worried about the cliff. if we had a president who would embrace the natural gas, and lower the price of gasoline and become self-sufficient as a nation, there would be enough disposable income to go around. no, it is not time to get all bullish, because four years ago we went over the housing cliff and retail was crushed by the household debt, and the involvement of the banks and industrials in europe have businesses that will be hit hard if spain goes bankrupt which they will if german chancellor angela merkel remains intransient. i am saying that the stocks will

bounce back and not when if, but when it happens. okay. i have no problem i can play the chicken little game. i like chicken cacciatore and chicken marcella and chicken kiev, and they are all saying that the stock is falling. and we have invested in stocks and not spanish bonds or tax rates, but we buy companies like news corp. which increased the value by $6 billion. and who knows, procter and procter and merck and pfizer would go if they say, hey, we are taking the same pen out of murdoch's hand. where would that take the dow? that is if nothing good happens around the world. here is the bottom line, the bear case sounds so smart, but i want to sound smart, but i want to make money. there may not be as much bull in the bull case as you think. how about tom in florida. >> caller: jim, the department of education came out as easier than expected on the for-profit

education, and this is a nice pop. does it change your mind on the industry? >> no, absolutely not. it is very disputed in terms of the for hires and very disputed in terms of how they are really doing. i am staying bear and saying stay away. i need to go to linda in connecticut. >> caller: hi, jim. go yankees. >> go yankees. >> caller: boo-yah. >> they called me in the middle of the show saying they need a starting pitcher, so i have to tell you i'm warming up in the commercial breaks. >> caller: cool. cramer, i brought arna today. i like stocks that improve the lives of patients and loved ones like you. what do you think? >> well, yeah, well, i say sell half of the arna and come back down and i am going to do the same thing, sell half of it. big gain and percentage gain and we don't know how long or how good it s and i like to be fearful right now. michael in west virginia. please, michael. >> caller: oh, from the wild wonderful west virginia,

boo-yah, jim. >> there is a big river chasm there everybody is telling me to go to in the summer. i have to get there. >> caller: with the durable goods numbers out, should i buy more john deere or from the -- >> no, no, you have to be a seller of the deere, because deere is about the current prices going up. now i have to tell you do i like deere as a company? yes. do i like deere as a stock? well, i fear with a couple of days of reindeer goai rain deer down. and i am sending you the dubai because they have the yield i like. it is not all rainbows and unicorns and i know that. wishful thinking to say that the bull case can work. i don't think. so remember, we buy stocks and not spanish bonds and buy u.s. tax rates, and we don't buy chinese cliffs. you know what, i bet you there is no cliffs at all. i bet you it is smooth sailing, but we are ready for k-2 anyway. "mad money" will be right back.

cash shelter? the world may be on a credit watch, but tonight, cramer has one company that has gotten a credit upgrade. jim is sitting down with the ceo of ventoss. could the supreme court decision put it in intensive care? and later, lucky charm and from cherrios to checks, the big g is one of the largest food companies on earth, but with a hearty portion of the international sales coming from europe, can the foodie stay fresh or will a global slowdown make its stock stale? cramer gets the scoop from the ceo coming up later on "mad money." don't miss a second of "mad money" follow jim krcramer on twitter. have a question, tweet cramer at

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how would you like a high quality high yielding health care stock that works regardless

of whatever ruling the supreme court hands down tomorrow about obama care. i am talking about vntr, it is the largest owner of private pay housing for seniors and the largest owner of medical offices in this country. this stock has an amazing track record over the last 12 years and my bad not to bring it to your attention. it has an annual income of 12.9%. imagine if your whole portfolio did that? last year the stock gave you 680% gain. speaking of yields slightly more than 4% at these levels and the company has had the highest dividend growth of any trust in the last 12 years. how does ventus do it? demand for health care is booming rapidly. we have baby boomers turning 65 this year, and the number of people 85 and older is three times more than ever.

and there is a strain and a limited development in the last few years and thus getting permits to build a senior citizen housing is difficult. so this company will build over 60% of its operating income on housing. they have been right. these deals have tripled the company's asset base over the last year and a half. there are obvious risks here and we don't know how obama care will be worked out ultimately, but a possibility that medicare and medicaid rates could be cut, but ventus only operating 1,213 prompt properties and they are only one link away. and so when push comes to shove, this stock could hit with this ruling. so let's talk to the chairman and the ceo of ventus and talk about this.

debra, have a seat. my bad that i have not had you on and glad i got to speak at the real estate conference, because holy cow, you are the best performer in the group. can you explain the growth strategy and how you pulled this off without really a any misstep at all? >> well, we have a great framework for growth. the market is a $1 trillion market, and we have a low cost to capital and great team and assets to build off of. and we have been in the virtuous circle of building on growth, and growth begetting growth. so we have good internal growth. we have been reducing our borrowing costs as we have gained scale and improved our balance sheet and investment grade ratings so it is all working together for the benefit of shareholders. >> one of the thing that i think that i want people to know this story, i tried the figure out what exactly is the metric that you are levered to, acquisitions, scarcity of properties, the amount of housing sold at this point so that people can move in or just -- you are an operator and

your operation of how, the operators want to be in your buildings. >> it is a combination of all of these things. when we started out, we were a very singly-focused company and very small. one tenant and all government-reimbursed assets. so what we have strif to do for 12 years brick by brick is to build a balanced company. so what we are levered to is a combination of things. we will do well if the economy does well with the senior housing operating assets managed by atrium sun rise which is the best privately senior living in the country, and we have some of the best providers in the nation for health care, and we should continue to collect the rents regardless of what happens to the medicare and medicaid fund ing in the coming years, and we have also cost advantage capitals, so when the debt markets do well, we are able to

lower our cost to capital and continue to acquire. so some of it is internal and some of it is external. >> so you have gone from $5 billion to $18 billion, you still want to do some acquisitions? >> yes, we are an investment company, and we grow internally, and that is why we have been able to put the good numbers up on the board. the business model is flexible. we are able to grow in multiple s sectors and private pay senior housing, and medical offices and nursing homes and hospitals and able to grow in multiple b business models and grow internally and so when you put it together, what we are trying to deliver is consistence if you are a return to shareholders year in, year out. >> you have been able to do this. this is the jeffers report. they say it is a huge relief for you. and i don't want to use that as the metric, but people do. >> yes. >> why is that not the way we should be looking at your company. >> well, two principle reasons. one is that we have

differentiated our strategy by really emphasizing private pay assets as we have grown, and so right now -- >> and the government is not -- and these are wealthier people who can afford nicer -- >> and also, honestly, the middle market products that are available to really middle income seniors who need care. so i would say that we have 80% of the revenues now coming from the private pay sources, and 70% of the net operating income, and we have deliberately done that, and the second reason is that the 30% of our net operating income that does come from the medicare and the medicaid-based businesses, again, we are the landlord as you pointed out. so while our leases are structured so that our tenants can weather ups and downs in medicare reimbursement, and still have a cushion between the amount of profit that they make and the amount of rent that's due to us. those are the two reasons really we feel that our business can

grow without regard will to ups and downs of the normal cycles of medicare reimbursement. >> okay. a step further, tomorrow f your stock is hit off of the obama care up health, your stock is hit, shouldn't, and if it is struck down, your stock is hit, shouldn't. it is not what you are levered to. >> the ruling tomorrow will have limited impact on our business, our profits, our cash flow, and however the market could perceive it as such, and that could be an opportunity. >> it is one of the things that is this forever going to -- and you are no different from the shopping malls where someone say says that amazon is going to kill dom's, right? and they are always looking at what is going to kill the cu customer and how that hurts you. >> it is a great analogy, because it does affect how the people think about the company, but if you make a great business with a great balanced business model, any of the impacts should be muted on the shareholder

return that ventas can deliver. >> this is a great place to go if this cohort is hurt. i want to thank you debra cafaro and so bad this is the first time you are on the show. up 700%. incredible. she is the chairman and ceo of ventas and i thank you for coming on the show. >> thank you, jim. coming up, lucky charm, and from cheer rows to checks, the big g is one of the largest food companies on earth, but with a hearty portion of the international sales coming from europe, can this foodie keep fresh or will threats of a global slowdown make it stale? cramer gets the scoop from the general mills ceo just ahead. and later, facebook phrenmys. the social saga continues as the street initiates coverage. cramerer weighs in and decides if it is time to change your status. all coming up on "mad money."

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[ engine turns over ] [ male announcer ] we created the luxury crossover and kept turning the page, this is the next chapter for the rx and lexus. this is the pursuit of perfection. just because we had a pretty good day today does not mean we can stop playing defense. this is a dangerous and difficult market and we will find it out tomorrow. until we get real resolution in europe and the fiscal cliff of the chinese hard landing you have to stay cautious and that means sticking with the stocks

that combine with the commodity costs and pay dividends, but even know there is a conundrum, and especially in the food companies, typically one of the most defensive groups around are not working. over and over again, the big food names have had to raise prices in order to pass along higher commodity costs which have hurt the vibes. and on the other hand, those same commodities are cheaper. so you would think it is brighter in the past, and take general mills and the incredibly well run food company by hind countless household names like haagen dazs and so many more. and if you bring it up, it is the company's 12th dividend boost. and it has been paying dividends for 113 years without interrupti interruption. you know it is a classic tale that the ceos are feeling bullish. however, when mills reported this morn, it delivered a solid quarter, but gave some conservative and some say

disappointing guidance for the coming year. is this mixed signals? or are they underpromising to overdeliver? they are hosting a analyst meeting july 10th and i want to know if the company will paint a more bullish market then. let's look at ken pal, the excellent ceo of general mill h, and mr. powell, welcome back to "mad money." thank you ken for coming on. how are you? >> great. >> okay. ken, i'm wondering what does a company have to do, because you are growing international, and you have another dividend boost of 113 years in dividends and consistent growth that people want and yet all i hear about is that this is a challenging time to own this stock and that i should be more worried about the greek yogurt. >> well, i will tell you, jim, people are probably thinking about the year that we just finished and where the industry in general mills had the highest commodity inflation that we have had in 30 years, and that caused

a lot of price increases, and some unit volume softness and so it was a challenging year. however, as we go into our new fiscal year, the environment is different for us. we have seen inflation come down to what are more normal levels for us, and even below, and that means that consumer prices are going to be very stable. that means that it is a good environment for unit volume stability, and plus, we have got great innovation that is going to be coming here over the next 12 months, so we think that the environment is much better. we think that we will be in a much better situation to deliver performance that for us is on model, and, you know, we are very excited about this coming fiscal year. >> at the same time though you did say at the beginning of the talk on the conference call, you expect slow economic growth to continue and the package food business will remain very

competitive. there is no let-up among the competitors in terms of trying to get share, is there? >> it is very competitive. it is very competitive out there, but you know,brands and t categories and we continue to do well in cereal where we have gained share for the fifth year in a row. we have a terrific grain snack business, jim, with products like nature valley, fiber one bars and we gained five share points in that group profit, and nicely in the soup business that is doing well, and the organic business is doing well, and as you mentioned at the top of the segment the international business continues to perform very consistently around the world, and good year in china. we had a good year in europe where many of the competitors are struggling. so, you know, even though it is tough, we are in good categories with very strong brands, and so we are getting, you know, that good solid fundamental performance that we believe will kr create value over the long run.

>> can you talk about china, and i know it has grown, but some of the companies i deal with say that business has gotten d difficult there in the past few months. >> well, jim, the lenses is on the consumers and people going to the grocery store and we are seeing the consistent momentum in china. the two big businesses there are haagen dazs ice cream and we rex panding that business with new stores rapidly and continue to see that develop well. we have a very good frozen food, frozen dumpling business there called wan jaun feri. >> and how do i have to be worried about the greek yogurt, because here is a piece by a guy who likes your stock and it is the jpmorgan analyst ken goldman

and he says how much share you can make in this category than you have been doing? >> so, we have got the first product launched in that category doubled in size this year. this is yoplait greek, and we finished with great momentum with that product and we have a ways to go to get our fair share. so we have good innovation coming in that segment this year. we are launching a product called yoplait greek 100, and this capitalizes on the fact that light segment is still the largest segment of the yogurt product, and we are coming out with the protein you want in greek and texture and flavor, but 50 less calories and endorsement from weight watchers so we think that yoplait greek 100 will do well and added increment and also bringing down a product from canada, and it is libberte and it is going to be showing up on the east coast,

jim, a and you can buy the products and try them for yourself and you will like them, and they will add to the sales growth and momentum in the greek segment. >> el wewell, that is good, bec if you gave the analysts something positive about greek, and there is something that is killing your stock, greece and greece. and the actual greece is not hurting now. and here is something i am puzzling over, you have led the company on an international grape of 30% in a short period of time. can this company be 35% international, and is that what you want? >> well, that is not really the way we look at it all, jim. we are not setting a percentage goal. we want to expand and now is the time that globalization and we want to participate in the developing markets, but we are doing it thoughtfully and getting the good properties when they come up and whether we end up at 35 or 45 or 55 is not the thing to us. the thing is that we buy good properties to add value and

create value for our shareholders over time. we had two terrific opportunities to do that this year at the beginning of the year. we acquired 51% of the yoplait international business here in the first quarter, and that acquisition makes us the number two yogurt player globally and at the end of the year, we acquired this very good business in brazil called yoki, which are products like popcorn, healthy snacking, and convenient meals and perfect match for our portfolio here in the u.s. and our capabilities and the technologies that we have. we can add a lot of value to that business and they have a great distribution business in brazil where the consumer market is developing rapidly. those two came up and we were able to get them and we were excited about that, and they will create the value, but whether it is 45 or 50 or 60, we don't know and it depends upon the quality of the opportunities out there.

>> and ken, a lot of the companies lately get pressured. pepsi was pressured to split off food and beverage, and i don't think they should do that, but kraft heard the drum beat and they said in order the bring up the value, we have to split up, and should general mills stay general mills or do something transformational? >> we will stay general mills and steadily execute on the business model. the one point though that i want to make on, to your question, jim, is that we do like obviously the great progress that we are making internationally and now is the time to do it, and we are doing it, and doing it in a good and high quality way. having said that, i think that the good companies are going to be successful both in the developing market with globalization, and also in the core market. the u.s. is still our core market, and we are very focused on that. we think there are tremendous opportunities to grow in the u.s. and look at the snack bar business and the cereal business and we are going to grow the

yogurt business through inn innovation next year, and there are many opportunities to grow in the good old u.s. a that is an important focus for us and we believe that the good companies will do both. >> kwen, one last question, we know that getting the conagra right, and we know he is a good guy, and he h said leftovers in the country and completely centered on the value, and where is the consukoconsumer's head? have we seen tiffany's low and nordstrom low, or is it business as usual for you guys? >> well, i don't think it is business as usual, and by the way, gary started at general mills and i have known him for many, many years. but, you know, it is not business as usual. i think that even though the unemployment rate is getting better, i am not sure it feels that way to many consumers so we think that the consumer is pretty cautious and having said that, when we bring out the really innovative new products

like we did in the healthy snacking area this year or like we did in cereal or like we are doing right now with these terrific new greek yogurts and other yogurts that we are going to launch, consumers are looking for great-tasting products that have nutrition, that are portable that are convenient and fit in their lifestyle and when we do it right and hit that trifecta of health, convenience and value, they respond and buy our products and we can succeed. it is a bit more challenging, but, we demonstrate again and again that we can win even in this tougher environment. >> well, thank you, ken. i know that my charitable trust has committed substantial capital to general mills, because it seem likes the right thing to do. thank so much, ken powell, chairman and ceo of general mill s. thank you so much. >> thank you, jim. >> look, not everything can be go-go, and explosion of excitement, and some things like stocks that pay you dividends for 113 years have, your portfolio should stay with them. stay with cramer. coming up, facebook

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it is time for the lightning round. i take your calls. you tell me the stock and i tell you to buy or sell. when you hear this sound -- [ buzzer ] -- then the lightning round is over. are you ready, skee-daddy? time for franklin in washington. >> caller: boo-yah. >> boo-yah. >> caller: what the heck, mr. cramer. ticker symbol hek. >> ever since richard heckmann came on people are asking me why i like heck. i said it was a speculative play and i continue to believe in it. natural gas was at two and oil fell 30 bucks. heckmann is still good. but it's not going up until things get better in the business. david in new york. >> caller: hello, mr. cramer. first of all, thank you for great education. >> my pleasure. >> caller: my question is ford motor company, ticker f.

close to 52 weeks low. is it time to buy again? >> you can't. it has a huge business in europe and latin america. we have to wait. before those areas fell off a fiscal and social cliff ford was doing well. let's go to kenneth in georgia, please. >> caller: yes, jim. penn west energy. buy, sell or hold? >> you will take a lot of pain. oil has come down and it's just a play on oil. if you think oil will bounce here you want to own it. i'm not saying oil will bounce. i'm not saying that. anthony in ohio, please. >> caller: hi, jim. my son and i watch you religiously every day. we get smarter every time. thank you. >> thank you very much. >> caller: i'm looking at stocks at that 4% yield floor. i see micro chip mchp. >> that's where you want to buy. it has worked for us before. i'm glad you watched it with

your child. i like that stock here. eric in new jersey. eric. >> caller: boo-yah from hoboken, jim. >> you're right around the corner. >> caller: managing my own i.r.a. account, looking for a long term energy play. i like kinder morgan's dividend. >> i'm going to endorse it. these stocks have come down. it's really amazing. let's go to darby in florida. >> caller: hi, jim. my stock is live person, lpsn. >> yes. as if we need a live person for customer service. i'm going to tell you the stock had a very big move. i cannot endorse anything other than ka-ching at these levels. that, ladies and gentlemen, is the conclusion of the lightning round. [ buzzer ] >> announcer: the lightning round is sponsored by td ameritrade. [ male announcer ] what if you had thermal night-vision goggles, like in a special ops mission? you'd spot movement, gather intelligence with minimal collateral damage.

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i don't spend money on gasoline. it's been 4,000 miles since my last trip to the gas station. it's pretty great. i get a bunch of kids waving at me... giving me the thumbs up. it's always a gratifying experience. it makes me feel good about my car. i absolutely love my chevy volt. ♪ all right. today's rally, come on. it's exciting to some. defense is the key to making money in this market right now. up days like today, while they tend to lead to down days. all month i have given you recession resistant names.

pays solid, juicy dividends. they stand tall despite headwinds abroad. or they have a spin off to take the stock higher. it takes a lot of homework. in order to make money off the stocks it's essential you stay diversified. that, my friends, is why i play am i diversified every wednesday. you call or tweet me @jimcramer. tell me your top five holdings and i tell you if you need to mix it up a little. we are starting with a tweet today from @bluethunder 808. he writes, boo-yah, jim, from beautiful honolulu, hawaii. love your show. i am holding apple, underarmour, delta, american capital agency corps and san. am i diversified? [ buzzer ] >> let's take a look. banco santander, i do tire of this one but it pays a dividend

now. that's a bank. airline, delta. american capital, real estate investment trust, financial. under armour, apparel. apple is technology. we have airline, tech, apparel. i will bless that portfolio as diversified. steven in california. >> caller: after watching your show all these years let's see if i have learned anything. att, bristol-myers, disney, kindermorgan partners, and wells fargo. >> i think this gentleman has learned a great deal. he has a very particular set of skills at being diversified. disney, action alerts charitable trust name. bristol-myers.

kinder/morgan is a master limited partnership. terrific. at&t, one of the highest yielding stocks in the dow and wells fargo, maybe the best run bank. we have a bank, telco, entertainment, pharmaceutical and a master limited partnership. i say bingo. bingo. fabulous. good luck. al in new jersey, please. >> caller: hey, jim. a big double boo-yah from summit, new jersey, a high school grad. and a big jersey shore boo-yah to you. >> a hill topper, softball, hardball, baseball, everything we love in new jersey boo-yah back at you. >> caller: back at you, buddy. just to let you know, love your show. been watching now for a couple of years. i think you put out a fantastic amount of information and your insight, every day i'm learning something, every time we watch you. >> thank you, buddy. thank you very much. we'll have to knock back a few at ocean grove. of course it doesn't -- it's a dry town. >> caller: just to let you know,

i own three of your books and i even bought for my step-daughters for their family planning. i thought it was so good. >> thank you. that's terrific. >> caller: you ready for me? are we diversified? >> born ready. go ahead. >> caller: exxon. verizon. southern company, so. dupont, dd. pepsi, pep. >> boy, those are really kind words. i got up today quarter to 4:00 thinking what a long day. then i get this and i love it. southern company, i told you they can pay the dividend. utility. exxon mobil, largest oil company. pepsi co, we love it. verizon, telco and dupont. diversified manufacturing. no longer just oil. i have food and beverage, oil, bingo. man.

that guy really has it going. congratulations. well done, everyone. "mad money" will be back after the break. season was the gulf't tourism season in years. in florida we had more suntans... in alabama we had more beautiful blooms... in mississippi we had more good times... in louisiana we had more fun on the water. last season we broke all kinds of records on the gulf. this year we are out to do even better... and now is a great time to start. our beatches are even more relaxing... the fishing's great. so pick your favorite spot on the gulf...

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woooo! [ male announcer ] citibank mobile check deposit. easier banking. every step of the way. what the heck has gotten into wall street. has it grown some kind of conscience? after reading the research covers initiations for facebook today i'm decidedly underwhelmed about the stock but surprised by the honesty of the analysts. first morgan stanley had an

overweight on facebook but the recommendation is so lukewarm you may be tempted to sell it. what jumps out is the price target of $38. that's the level morgan stanley brought facebook public. that $38. suggests that the analysts thought it was fully valued from the get-go. he has real reservations. not the usual risk factors including mobile ads, a near term disappointment on this front. considering they gave them an earnings shave with the ipo it sounds like migration from desktop to mobile is plaguing earnings. when you hear concerns about brand transitions to mobile it raises questions whether general motors wasn't alone in the budget. morgan stanley raises privacy concerns as in how much data about you can facebook get away with sharing with advertisers before alienating the customer, the government. look like morgan stanley isn't

kidding about the price target where the deal came and not a penny higher. jpmorgan staked out the high end of the spectrum. even at $45 you can't get too excited. that's a year end 2013 target. given that this is supposed to be one of the fastest growing companies on earth and real risky, i don't know if it's worth 40% in 18 months. not so exciting to me given the risk. jpmorgan likes to predict better pricing for mobile apps. they are talking about mobile being a $300 million to $500 million quarterly opportunity for facebook. with the market cap, i expected more. goldman thinks 43 in 12 months. they are talking about facebook's domination. up top goldman says not to worry about facebook fatigue. given that i didn't know there were any worries about fatigue i found that comment disconcerting. something is pretty negative

when you consider the speed of mobile adoption. far more typical is the neutral rating that citigroup gives facebook. a meager $35 target. why? first a dual class ownership structure which citigroup says raises issues about shareholder friendliness and limited appeal to advertisers and worries about the pending lockup investigation. nasty. bottom line, twofold. first, wall street doesn't seem eager to pander to facebook which is very good and honest. wow. some would say uncharacteristically honest. second the bar is now set low. anything good from facebook will produce immediate results for the stock, but right now when i look at facebook, i see an expensive stock without any catalyst to move it higher. in other words, i see it just like the analysts. hard to love. maybe even sub rosa, hard to like. stick with cramer. [ male announcer ] this is rudy.

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and it's bringing the future forward. >> the city of brotherly love and my hometown of philadelphia was the victim of a massive insurance fraud scam. a tow truck driver was running a wild scam. why? because some people will do anything for money. don't miss "american greed" tonight at 10:00 p.m. on cnbc. this one's close to home.