my mission is simple -- to make you money. i'm here to level the playing field for all investors. there's always a bull market somewhere and i promise to help you find it. "mad money" starts now. >> hi, i'm cramer. welcome to mad money. other people want to make friends. i'm just trying to make money. my job is not just to entertain you but to make you money. tweet me at jim cramer. this market, this market is so confusing with so many conflicting cross currents that it's creating a real sense of foreboding. there might be something lurking around the corner. an unknown, unknown.

s&p dropped .19%. total confusion. not much is making sense. i'm not too proud. interest rates are plummeting. we were supposed to be worried about interest rates getting higher. as the fed tapers its bond buying program. how can business be improving jobless claims be getting better, and the fed be signaling good things. yet treasuries are implying a slowdown or worse. perhaps it's something we should fear. maybe that's the point. maybe the boogie man we don't know. tonight i'm definitely looking in the closet when i get home. this market needs a lovey blanket and a night light.

let's tick down what we know. first the mineral and mining stocks are doing incredibly well. i look at those stocks that have been in prolonged down trends. i'm talking the iron company and i say, okay, they're balancing but why? still one more rumor perhaps of a big chinese stimulus. isn't it time we gave that theory a rest already? there's nothing that explains it at all. especially when you see interest rates going down. rates are supposed to be skyrocketing when these stocks rally. they're supposed to be the kiss of death for the group. caterpillar continues to rally as we don't know anything about what it's really doing. cramer fav is having it's best day in ages. up 6%. i see only the briefest about of analyst pushes the way a london metals exchange could

impact it, we'll call it, positively. 6% for heaven's sake? and boy, many analysts -- >> sell, sell, sell. >> the house of pain. >> -- they hate it. what's driving oils up here? is there an embargo somewhere? does that mean something is lurking that we don't know? the oil stocks are supposed to go down when the dollars strong? as it has been of late. instead, they're firing on all cylinders lead by exxon. the banks had their analysis review by the fed. didn't the best ones deserve another up day given those aggressive plans to return capital they announced last night? i hear they aren't going up because the yield curve no longer favors their net interest margin. that's the case for week now on

a day of monster dividend buybacks and also monster, just huge plans to redeploy capital in your hands for all but citi group and a hand full of others. why smash them today? why were they the weakest group in the market? how can we explain the commodities rip something the strength in consumer package good stocks? those companies need to pay up for these commodities. we hear vague take over rumors colgate. $2 to 90. what's that. even as i can't think of a single thing that might be happening to merit those gains. these moves make no sense at all. then there are the high multiple growth stocks. i know money is rotating out of these growth pains and in reality so do you. some of it is because of the activity causing people to sell old and buy new. take a look at trinet that handles payroll and tax administration online as a software, as a service business

which we're going to hear from later in the show. this deal jumped to 19. it would be a natural thing to sell work day or cornerstone competitors to buy this one. i get that. you need capital, new capital to get into trinet so it makes sense to sell the others. especially given that you don't want to give up the gains as the stocks go down. work day was at 61 last year at this time. now it's at 90. well off it's highs though. but who wants to give up that kind of gain. cornerstone was at 33 last year and now it's at 46 and it managed to gain 30 cents today. it traded 61 just a month ago. kill two birds with one stone? taking profits in workday while buying trinet? that's what they're doing. needless to say it's now grown hideous. a fantastic reason to sell if you don't know what you own to begin with and many don't as i know from @jimcramer on twitter. of course i'm blamed as the reason for those declines.

sure, but what doesn't make sense is the silence of the analysts on the way up these stocks were the greatest ever. they pounded the table daily. on the way down, very little support. very little chatter at all. it's as if they don't want to hurt their banking prospects for future cloud plays that might do initial public offerings by saying good things about the current cloud plays. the silence is deafening with google and facebook too. these last two acquisitions have turned it into a story that's merky. they loved it at 70 and hated it at 60. where's the analysts that say you're getting your chance here? so take it. maybe they come back tomorrow. because it wouldn't shock me. how about google? wow. we now know it's in amazon for cloud services.

stock is far from expensive. 17 times 2015 earnings. not sales. earnings. but the adherence, the people that love the stock, the analysts, in hiding. in the bunker. gone. disappeared. no one is defending google and it may be the single worst acting stock in the entire stock market. twitter which has no earnings and no evaluation parameters that i can come up with is soaring today. it's not like a little analyst push nothing. yelp is going up today because an analyst at a small firm have said good things about it's yahoo! partnership. that's what got it running. plus there's plenty of stuff that should be getting hammered but is going in the opposite direction. take general electric. they have a $1 billion business in russia. what is to take the russians from expropriating it. the huge move shows the market is not the least bit worried about russia even though they have two important facilities in

that country. right for the putin picking i'd say. how about lululemon doing a sub par number and going dramatically higher. i didn't like the earnings report at all, did you? maybe it's the beginning of a new run or if you cut numbers low enough and make them the investors fall in love all over again. same thing with restoration hardware. now normally i can say tough market hard to figure out but when there's this many cross currents i tend to think that there's something that's about to happen that i don't know about. something is lurking. but how come gold, which usually senses ahead of time that you're concerned is going down, not up? perhaps what's happening is we're bottoming and everything is about to go higher as is

fitting for the end of the month and the end of the quarter rally with the marking up we're talking about. perhaps there's funds popping up the winners and selling this year's losers to fund that prop up. just maybe the incredible rotation is taking that course. they're finally having their day in the sun. the bottom line, this is one confusing day people. a donald rumsfeld unknown, unknown market and investors are not supposed to like uncertainty. they don't like being in the dark. maybe this market resolves itself tomorrow and tells us what's on tap for the rest of the quarter or maybe this is just one of the most confounding markets i've ever seen which will make anxious investors sell. that's if we can get one. we just don't know. where's rumy when you need him? donna in texas. >> caller: booyah. >> booyah. >> caller: i hope you get to feeling better. >> i had perfect attendance. never missed a day of school ever.

>> caller: wow. well, i hope you can help me. i am a shareholder in baxter and i know today they announced a spin off of hair biopharma and i was wondering how is this going to effect me? what's it going to do to the stock overall? >> okay. this is really important. if you go to the chapter in get rich carefully you'll see that i suggested that certain companies should break up, it's easy to do. the first one was baxter and when they did exactly what i said in the book i said this will bring out instant value. the stock was at 8 at one point. closed up 2. buy it. this is going to be worth $90 this split. it's a terrific thing. i applaud baxter. own the stock. if you don't have it, buy it. john in oregon, john. >> caller: jim. jim i have been a student of yours since the days of kudlow and cramer and i want to say

that i will miss larry and i appreciate you. >> well, i am on with larry tonight. we are reuniting and it will feel good. >> caller: great! my stock is capital oil and gas. it seems like it's done nothing but go down. buy, sell, or hold? >> it's entirely possible it's getting a rest. just to be sure, $4.03, it's got to go to $5 before you'll get back to where it was. so watch that, otherwise it could be dead money. bob in alabama, bob. >> caller: hey, guru cramer, how are you guy? >> roll crimson. >> caller: this is bob from alabama. >> oh, tweet home.

>> caller: right near the florida, georgia line. >> well, i love that. >> caller: okay. let me ask you one question mr. guru, what do you think that blackberry is going to do? is it going to go under? is somebody going to buy it? is it going to fold or make it? >> it has a better balance sheet than it did. the company has a possibility of being acquired one day. the problem is i don't think it will be acquired at that much of a premium. if you want to own it, fine, it's not one that i'm recommending though. today was confusing for all of us. too many cross currents to wrap our heads around. the market does not like uncertainty but you stick with cramer and we'll puzzle through it every day. but yes, i had to own that i was confounded. i can't pretend when i don't know what's happening. "mad money" will be right back. coming up, higher ground.

exclusive insight into the american economy from two companies on the inside. find out who's hiring and where the pockets of growth powering the market are hiding. first up, outsourced hr player trinet took the ticker by storm today with a double digit move. find out what could be next. then payroll provider paychex is moving higher after earnings as more people return to the work force. can the trend continue? all coming up on "mad money". >> don't miss a second of "mad money." follow @jimcramer on twitter. have a question? tweet cramer, #madtweets. send jim an e-mail to madmoney@cnbc.com or give us a call at 1-800-743-cnbc. miss something? head to madmoney.cnbc.com.

yesterday i told you with that miserable initial public offering of king digital, more on that later, the window that's

allowed ipos to perform well of late seems to be closing but it's not closed yet. just take a look at trinet. it became public at 16 and rocketed higher. rising $3.10 or 19.4%. trinet is a real company with real profits and a legitimate evaluation based on earnings and not sales. the employment law compliance, health insurance and retirement plans to small, medium sized businesses via the cloud based software as a platform. overall, the small medium businesses spend $90 million a year and they can save a lot of money by outsourcing. there's a lot of competition but their edge is that they offer a bundle solution. don't worry, we're going to hear what that means. handling all of your hr needs so you don't need a bunch of different vendors in order to do stuff. he's the ceo of trinet group. find out more about his company

and where he's headed. burton, welcome to the show. >> thank you. >> congratulations. >> thank you. >> so i'm a medium sized business. maybe goi to cornerstone, maybe i go to work day, maybe i go to paychexs, why go to trinet. >> we're a one stop solution. we'll navigate the affordable care act and hr services and 105 different benefit plans. >> describe to people how you do that within a software as a service business. that's eluded many viewers. >> exactly. we're a technology enabled business service with a software backbone. there's three important come -- components. we have 300 hr people around the country.

we tell our owners if you get into a problem with hr you learn five words. sound series, i'll call trinet. that's not a software provider. the second piece is a software backbone. we process 17 billion in payroll. we do 5 million transactions a month. accessible through iphone apps. personal time off. time in accounting, expense management. that's the software piece and finally those benefit plan which is are tightly integrated into the backbone. so the bundle solution is all three pieces. >> now most of the companies that have become public in your space or that are softwares and services are good revenue growth.

they always say the same thing to me. jim, we shouldn't be profitable. the opportunity is too great. profitability would crimp us. it doesn't seem to be the case with trinet. >> i believe in growth with predictable profitability. we have exceptional cash flow and we will grow consistently over the next many years to come. >> all right. now, should i be worried? you have a 20% attrition rate. are there customers that you don't want? >> you know what, we keep clients about five years and some of those clients either get acquired or run out of business. our most famous client today is what's app. what's app started with five employees and now they have 55. they're still a trinet client. i expect over the next few months they may not be but we wish them wonderful luck and many entrepreneurs come back to trinet and start another company.

>> with 19 billion i don't know why everybody should continue to work there. one thing i want people to do, and maybe this is because i know bill ford that runs general atlantic, i like for people to look where deals are from. you're from general atlantic and say what that means and why it's important as a blood line. >> general atlantic is an exceptional partner for trinet. they bought in in '05. i worked in the past for some of the venture capital firms in silicon valley. they're a long-term investor. they were aligned in my big vision to build a company. we have a huge market and they have allowed me to go out there and tap that market. >> okay. now are they saying -- is enough invested that you feel good about it? >> absolutely. i feel good about it. two of the most exceptional board members from general atlantic and i don't expect them to be going anywhere any time soon. >> i'm going through obamacare mandates. i wanted to ask you which ones are best for your business. quite frankly i couldn't understand them myself. how good is obamacare for trinet? >> it's wonderful for trinet and everything that goes on unfortunately or fortunately in the papers lately is wonderful. we have 105 medical plans. all 105 medical plans are today affordable care act compliance. that's very different than the small business market. but that's only a start.

if you looked in the paper last week and you may have talked about it, the new law they're talking about with making managers hourly employees. >> yes. >> that's going to effect hundreds of thousands of companies. when that complexity gets high, they call trinet. >> what a great business. >> thank you. >> this is the right time for trinet for certain. that was burton goldfield and president and ceo of trinet group. i mention general atlantic because their deals have been so successful that i always keep track of them. stay can cramer. >> coming up, seeking safety? worried about the market's wild ride of late? thinking of diversifying into bonds? don't make a move until you hear what cramer has to say when he opens his play book. [ male announcer ] meet jill.

she thought she'd feel better after seeing her doctor. and she might have if not for kari, the identity thief who stole jill's social security number to open credit cards, destroying jill's credit and her dream of retirement. every year, millions of americans just like you learn that a little personal information in the wrong hands could wreak havoc on your life. this is identity theft. and no one helps stop it better than lifelock. lifelock offers the most comprehensive identity theft protection available. if jill had lifelock's protection, she may have been notified before it was too late. lifelock's credit notification service is on the job 24/7. as soon as they detect a threat to your identity within their network, they will alert you, protecting you before the damage is done.

and lifelock offers the proactive protection of checking and savings account takeover alerts. lifelock's comprehensive identity theft protection guards your social security number, your money, your credit, even the equity in your home. it doesn't matter how old you are or how much money you have. identity thieves steal from everyone. you have to protect yourself. i protect myself with lifelock. [ male announcer ] while identity theft can't be completely stopped, no one protects you better than lifelock. and lifelock stands behind their protection with the power of their $1 million service guarantee. you have so much to protect and nothing to lose when you call lifelock right now and try 60 days of identity theft protection risk free. 60 days risk free. use promo code onguard. order now and get this document shredder to keep sensitive documents out of the wrong hands. a $29 value free. ♪

♪ every week i want to take a step back and teach you how to manage your own personal finances with my play book. this is not just a playbook for how to invest. it's my guide for how you should handle money issues throughout your whole life. there's so much misinformation out there and so much bad advice. so many wrong headed views massacred aing as wisdom that i'm trying to help you see through the nonsense and figure

out what financial strategies make sense to you. the point of the segment is to help address your issues. we take questions so i can focus on the topics that you the viewers care about. if you have a question on personal finance or basic investing 101, then go ahead and ask me on twitter @jimcramer with the #getaplan. if you want more advice check out your money.cnbc.com. i want to start off with a tweet i got. he asks in my 30s is there any advantage owning series e or series i u.s. savings bonds? i'm so glad that you asked me that because the answer is a resounding no, no, no, no, no! if you want to develop real financial independence then you need to make your money work for you. think of it like this. most people work for their money but your life gets a heck of a lot easier when you can also make that money work for you by

earning a descent return on it. perhaps in diversified portfolio of individual stocks. all acceptable. so my number one rule when we're talking about what to do with your savings is that you always need to ask yourself is my money working for me or not. in other words, with every potential investment you have to look at it through whether or not it will meaningfully grow your wealth and supplement your income which brings me back to the series double e and series i savings bonds that daniel asked me about. how do these bonds stand up to that test? the truth is, i have to tell you something, they fail miserably.

honestly, no one still in their 30s should be buying savings bonds of any kind. i'm going to tell you why now. this is really important and i have been asked this several times. let's take the series i bonds. this is a 30-year combination fixed rate bond that's adjusted for inflation. for now they pay you, are you ready, 1.38% interest rate. oh, do you know what that is? that's dead money. it's barely better than hiding your money in the mattress. it's not increasing your wealth. it's sitting there. a regular 30 year treasury will give you a higher interest rate right now. because this is an acrual type security, you wouldn't you don't actually receive that. you only collect your gains once you redeem it. how about the series ee savings bonds? they pay a fixed interest rate for the first 20 years although in the last ten years they can adjust the rate and then the treasury will double your initial invest. ment. an automatic double in 20 years. it's exempt from state and local taxes. sounds good, right? not so fast.

first of all, until the 20 year mark, these ee savings bonds have an interest rate that's pathetic. just .1%. that's lower than you even get from a one year certificate of deposit issued by your bank. sure, but if you hang on to it for 20 years you get that automatic double. totally free from state and local taxes. i like that. but doesn't that make it worth it? what do you think? that might sound like a good long-term deal. a guaranteed double in 20 years but when you do the math, it's pretty much you get over 20 years from owning a regular 30 year treasury bond thanks to compound interest. with the regular 30 year treasury you're making that money overtime.

where as with the series ee savings bond you need to hang on to the thing for 20 years or you get next to nothing. so say you buy it and need to sell. some unforseen circumstance could happen like you need to lose your job. you wouldn't even be up 2% over 18 years. not up 2% but with a normal treasury if you have to sell before 20 years are up you have still collected your interest payments up until that point. a lot can happen so for most people i think series ee is an insane risk to run. if you're wealthy and there's no chance at all you might need to spend that money then because you pay no state or local taxes you do better. a big better over a 20 year period but for regular people, not the super wealthy, i think the series ee is a very unsafe bond because it's so heavily back loaded. i understand the impulse behind wanting to put your money in a savings bond. we have all been taught how safe it is. there's no risk of losing any of your principal which is a major risk with owning stocks and still a risk with regular

treasury bonds as well. however, especially for younger investors and that includes those of you in your 30s and 40s at my age, it's relative. this sense of safety is merely an illusion. i'm calling it recklessly masked as prudence. i said this before in a different way. the point of saving is not just so you can have money sock addway for a rainy day or when you need to retire. you're not merely transferring money from your younger self-to your older self and investing like that's all you're trying to do is a waste of opportunity and a waste of time. the point is to invest your money so it creates more wealth. that's why i'm against savings bond and money market accounts and cds for investors that are nowhere near retirement and don't make that much money. once you're older and ready to stop working with a big retirement fund that can support

you for the rest of your life, then there's sense in owning securities. but don't give you much of a return. until kwour in your 60s you shouldn't be thinking about this thing. it's wrong people. think about this, the average interest rate on a 30-year fixed rate mortgage is 44%. interest rates on new student loans can vary from 3.86% to 6.41%. those of you with older student loans might be paying more. for 10s of million of americans with the mortgage and student loan debt and credit card debt, keeping your money in something like a savings bond is lunacy. please go pay off your debts early. but if you invest in stock which is have more risk, you should be able to consistently generate a return that's larger than what you owe on your mortgage or student loans. stocks actually help you build wealth. one of the reasons why i do this show. as you get older, i have nothing against having bonds in your retirement portfolio. you want to stick with treasury bonds or maybe municipal bond ifs you're in the top tax bracket. the test i mentioned earlier, the tests you need to run all of your investments are they making you money and are they making

your money work for you? or are they just dead money? for anyone under 45 or 50, you are doing yourself real harm by keeping your money in any super low yielding low risk instrument like a savings bond, a cd, or money market fund. these things only make sense if you don care about using your money to make more money. that's something you should care about. because it's the true key to financial independence and you're only going to get there with stocks. if you want safety, you do better to own regular treasury bonds via bond fund. right now the 30 year yields 3.5%. that's a descent source of income. savings bonds, they just don't do the job. let's go to max in california. max. >> caller: booyah. i had a question. should i hold on to them or sell them? >> that's been such a hot stock. i think it's just part of this

whole profit taking thing that we have seen over and over again. i think you're fine. i have to admit that stock came out of nowhere but business is better. how about joe in my home state of new jersey, joe. >> caller: hey, cramer. love your show. i was at your book signing at the costco. >> man i had another one april 1st, 7:30 up at white plains. i hope everybody comes. i'm giving a speak too. >> caller: you answered a lot of questions for me. that was a lot of fun. >> thank you, joe. >> caller: listen, it was downgraded by bank of america. i bought it at $13.40 on your recommendation. it's down a couple of bucks. it soared to 16 so i'm surprised it's been going down and then zax said it's price has entered into an oversold territory with an rsi value of 29.5. what does that mean? >> well, i have to tell you it went down so fast that people

feel it can bounce. the downgrade was not a typical downgrade. it was a buy to a sell. that does worry me. my friend bob is saying time to go on a bounce. still ahead, i'm taking the pulse of the employment situation in this country before next week's job number with the ceo of paychex. but first, the lightning round right after this.

it's time for the lightning round. play when you hear this sound and then the lightning round is over. are you ready? it's time for the lightning round. let's start with mike in

california. mike. >> caller: hi, jim. big booyah too you from mike in monterey, california. >> nice. >> caller: what do you think about rite aid? rad? it was a dollar a share and now it's at 22 times forward earnings. >> here's the problem. all three of the drugstore chains are going down now. i have been recommending rite aid. i'm going to wait until it pulls back a little more and then i'll start talking about it again as something to buy. i saw walgreens coming down and cvs coming down. it's not going to give up all the gains but i think we should wait. let's go to kenny in colorado please. >> caller: how are you doing? >> real good. >> caller: interested in info block. >> i thought that quarter where it got almost cut in half. that was such a bad quarter that you should be blessed that it went up from here. terrell in california. >> caller: hi, jim. a great booyah to you.

i had a question regarding wyn resorts. i'm feeling pain? should i buy, sell, hold? >> a lot of people are worried about the stock. it has had a very big run. it's been one of the stocks that people are saying charts real bad. let's wait for a pull back so i think long-term steve wynn knows what he's doing and it's fine. let's go to lisa in minnesota. lisa. >> caller: hey, jim. >> how are you? >> caller: i'm good, thanks. >> thank you. >> caller: so i started buying it about 36 and change and had it on at 48 and change and 51 and just got out of some yesterday. it's had good revenue, well, 40.2 million up from the end of 2013 up from the beginning of 2012 like 2 million so it's been doing well and first quarter was

good but with the volatility in the nasdaq it creeped me out. >> this stock is going to be under pressure for a little time. as they bring more and more deals, this one goes down. let's go to manney in ohio. >> caller: booyah from the pro football hall of fame city. >> you're right where i want to be. what's up? >> caller: which way should i play marathon petroleum? >> i think they'll be able to take the discounting crude and be able to refine it. send it over seas. marathon, that's for me. let's go to chris in new york. >> caller: how you doing jim? i'm a loyal fan of yours. booyah. >> booyah. >> caller: i'd like to know your insight on one i hold a position in. it's inovio pharmaceuticals. >> all i know is its a mile from

where i grew up. that's it. it's not enough. i got to go do work. i promise to come back. mike in new york. >> caller: booyah from chicago home from the playoff bound chicago bulls. >> i have to tell you, i saw them today. maybe i should move to chicago. >> caller: we'd like to have you. i've been watching the black stone group and they're all up in the market. is it the rest to go for 2014 and in particular do you like cg. >> they're well run companies. if the ipo market dries up that's going to hurt them though. so keep that in mind and i do like blackstone best. and that ladies and gentlemen is the conclusion of the lightning round. >> the lightning round is sponsored by td ameritrade.

save you fifteen percent or more on car insurance.d everybody knows that. well, did you know pinocchio was a bad motivational speaker? i look around this room and i see nothing but untapped potential. you have potential. you have...oh boy. geico. fifteen minutes could save you fifteen percent or more on car insurance. impact wool exports from new zealand, textile production in spain,

and the use of medical technology in the u.s.? at t. rowe price, we understand the connections of a complex, global economy. it's just one reason over 75% of our mutual funds beat their 10-year lipper average. t. rowe price. invest with confidence. request a prospectus or summary prospectus with investment information, risks, fees and expenses to read and consider carefully before investing. just this morning we learned that new jobless claims came in at the lowest level in four

months. but if you really want to get a read on new hire, i always use paychex. the second largest payroll processor in the united states. small businesses are the real job creators in this country. company also has a faster outgoing resources like trinet. but they still make up 65% of paychex's revenue. between the time your clients give them money and the time those clients employees deposit the checks, paychex is sitting on the money waiting to be moved. if you liked the announcement that the economy is improving, that means short-term rates should be heading higher and that will go right to paychex's bottom line. they beat wall street's earnings estimates off of a 42 cent basis with stronger than expected revenues and it raised guidance for 2014. very nice. this stock has run up 25% over the last 12 months and as the economy and the u.s. recovers, you could have a lot more room

to run. so let's check in with marty who is the president and ceo of paychex to find out more about the quarter and his company's prospects. welcome to "mad money". >> thanks, jim. good to be here. >> there's been a plethera of companies become public in your space. at what point do you have to say, my, this segment is so crowded, it's going to be time for us to cut our rates and buy business? >> well, i think -- you know, we're not seeing that. there's still a lot of opportunity. a ton of small businesses out there that are still doing their payroll and hr themselves and looking to outsource. i think the new ipos, the companies coming out even bring a little bit more knowledge that the outsourcing is there and we feel extremely competitive. we have been in the business for 40 years. nearly 600,000 clients. we're ready to compete and glad to do it.

>> all right. now if your conference call you said i think the overall economy is okay. i think it's still we would say from a new business start, it's still fairly sluggish. after all of this, it's still sluggish? >> yeah, i think, jim, 16 consecutive quarters, the checks for payroll are up. even though it's moderated. but the new business starts still are sluggish and aren't back to prerecession but we're seeing new housing starts are up. consumer confidence showed a nice boost in march so we do think that's going to drive more businesses to start up, add employees, et cetera. >> one of the things most exciting about your call is that you are now going to do an index for small business. we get this automatic data number. it comes out the day before the report and hasn't been great.

>> the index is near real time. i think it's the closest hah is out there. it's going to be a subset of our client base. 350,000 clients under 50 employees and really the growth and employment year over year. we're going to have an index that shows that. it's really formalizing a lot of the information that we have been asking for for years. we're pretty excited about it and partnering with iax to put this out every month on the first tuesday of the month. >> so it's an actual number. it's not some sort of tabulation or estimate. >> it's an actual number of 350,000 of our clients aggregated together. same store sells. the growth in their employment year over year each month. >> in preparation for the interview i was going through a lot of stories about the irs. looks like they're going to be maybe 16,000 new agents open. i know i use paychex for a simple reason. if i'm audited i know that paychex will say he did that

right. how many people are in my boat? >> well, i think a lot, jim. you know, the irs is obviously getting more focused. the government is always looking for new dollars and they're getting more aggressive i think in the following of the rules on wage and in payments and certainly even overtime. you have seen that now recently. they're going to push more on the overtime rules and all of these things push more outsourcing to us. someone that's an expert and has been doing this a long time and can help our businesses focus on running their business and not on filing our taxes and we'll take care of that for them. >> that's what i do. marty, last week the feds spoke and there were mixed voices but one of the undercurrents was these short rates, they will soon be a thing of the past. what are you modeling about what the short rates might be say in 2015 and 2016? >> yeah, don't look necessarily to prediction of it. i do think, you know, they can't do anywhere but up.

it's just been very, very slow. you know, about every 1%, every 100 basis points impact us. about $20 million in revenue which, as you said, pretty much goes to the bottom line. so it's certainly going to be very positive for us. at the highest point in our history, we were around 135, $140 million in interest revenue earned on client funds. and now we're running at about 40 million a year. so we see that as a nice opportunity in the future. >> well, you're paying us a good dividend to wait while it happens. thank you so much. he's president and ceo of paychex. >> thanks, jim. >> still a cheap stock and good yield. i'll stick with it. i think it's going higher. stay with cramer.

might as well have worn signs that said we're the top. at least for king digital. the maker of the candy crush video game. rarely have i ever seen an accident waiting to happen as the king digital deal. and i don't blame management. as i said to the ceo. ricardo when he was on "squawk on the street," your banker did you real disservice. i know i compared the story to zinga a week ago. this say much better company.

very profitable and i had high hopes if priced right that money could be made but after the declines in the ipos from last week and they're all down, suddenly it's a changed world. it had to be obvious to the banker that you had to price this one at the lower end of the 20 to 22 range. they ran the books. they had to have an advanced peak at the real demand. that's why i said go tell the investment banker thanks for nothing you clown. there's few things more damaging for a company as imagine than this. the company is, as i mentioned, profitable. it was not zinga in that it makes money but the fact is this market could not handle a $7 billion deal. it might have been able to even ten days ago before all the merchandise came. again, if it were at the low end of the range. i have to tell you, though, when you're in the thick of things in the new york stock exchange, it was clear as day that this one didn't have the votes. what should they have done given that the stock is down another 51 cents today?

in the lead in to the deal they could have kept the price lower and then slowly walk it up but not nearly as high as it did. there was obviously no demand whatsoever. you have to wonder either how could they be so wrong or stiff necked as to not be able to use the lower end. as i said before the stock opened, why did this deal have to come at all? why now? why not back in december when the conversions for paying customers were going higher. of course the ceo wouldn't answer my questions. they never do. maybe they're under some instructions to say nothing but this was the deal too far and it did show the growing saturation for deals. even as the stock of trinet the company we spoke to earlier did go to a nice premium. are we getting atop for the whole market? frankly yes. there's too much merchandise. too many stocks that go to an

outrageous premium but you know the bankers won't quit yet. they'll flog these new deals until they all break down and then that's the window will be closed. stick with cramer. [ male announcer ] meet jill. she thought she'd feel better after seeing her doctor. and she might have if not for kari, the identity thief who stole jill's social security number to open credit cards, destroying jill's credit and her dream of retirement. every year, millions of americans just like you learn that a little personal information in the wrong hands could wreak havoc on your life. this is identity theft. and no one helps stop it better than lifelock. lifelock offers the most comprehensive identity theft protection available. if jill had lifelock's protection,

she may have been notified before it was too late. lifelock's credit notification service is on the job 24/7. as soon as they detect a threat to your identity within their network, they will alert you, protecting you before the damage is done. and lifelock offers the proactive protection of checking and savings account takeover alerts. lifelock's comprehensive identity theft protection guards your social security number, your money, your credit, even the equity in your home. it doesn't matter how old you are or how much money you have. identity thieves steal from everyone. you have to protect yourself. i protect myself with lifelock. [ male announcer ] while identity theft can't be completely stopped, no one protects you better than lifelock. and lifelock stands behind their protection with the power of their $1 million service guarantee. you have so much to protect and nothing to lose when you call lifelock right now and try 60 days of identity theft protection risk free. 60 days risk free. use promo code onguard.

order now and get this document shredder to keep sensitive documents out of the wrong hands. a $29 value free. ♪ ♪

>> don't go anywhere i'm on with larry up next in the kudlow report. there's always a bull market somewhere and i promise to try to find it just for you right here on "mad money." i'm jim cramer and i'll see you tomorrow. hello. you're watching "worldwide exchange." i'm ross westgate. the headlines today, european equities follow asia higher on hopes of more stimulus from china. can european stocks follow the trend? that was on pace for last week since october 2012. investors do cheer the kitchen sink approach from italian bank san paolo. now targeting an ambitious return to growth. bankers behind alibaba's blockbuster ipo is