>> it looks like our time has expired. i'm melissa lee. check out the website options eastern time for more "options action." "mad money" is coming up next. 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. hey, i'm cramer. welcome to "mad money." welcome to cramerica. other people want to make friends, just want fewer days like today. my job is not just to entertain but to try to explain things like today and to educate you. so call me at 1-800-743-cnbc or tweet me @jimcramer. sure, absolutely, the market tanked today. i'm not saying it didn't. it was a widespread pummelling.

dow sinking 140 points, s&p falling .08%, nasdaq divi diving .07%. many want to point the finger at the collapse of one-time market darling amazon which declined more than 9% after a widely reviled quarterly report last night. which then led to a route in tech, real pin action today that spilled over to the rest of the market. but you know what, i think that's too simplistic as there were multiple reasons of decline, everything from a healthy round of profit taking to a desire to get ahead of the sell in may crowd. oh, man, and go away, remember that, they'll do that again next week. and more subsequently, real concerns about a war breaking out in ukraine. i think the latter more than anything else explain why today's selloff was so vicious. why not ring the register ahead of a weekend that could be filled with unknowns. normally i start off any game plan with a week that includes the nonfarm payroll report with the miranda warning that friday's employment data could

have a huge impact on bonds and therefore stocks before you pull the trigger. but because of this ukraine issue, i'm not even sure. no matter how robust our economy might be getting and no matter how many people might be hired, interest rates don't budge. don't seem to go higher as they should. i think that's because there's a developing shortage of high-quality bonds, now that even some of the poorest countries like portugal, ten-year bonds at 3.5%. who needs paper from countries that almost went belly up a couple years ago when you can own virtually risk-free u.s. bonds that yield nearly 2.7%. plus, i think there's a ton of russian money finding its way to our bonds. look, the ruble's collapse. more on that in a moment. so, keep in mind that the ukraine situation front and center, not talked about enough, but it's front and center now. and that's making our safest stocks like domestic utilities with good yields. duke, con-ed, shine brightly as fixed income alternatives.

they're better bonds. and i expect that once again they could continue to wilt next week, expected to bounce sometime next week, though. but that means old tech will shine. which is why i can't wait to hear what corning will say monday morning. the company company traders love to call glow worm derived from the symbol glw, a remnant when it was called corning glass works. i've got to tell you, this outfit has become maybe the go-to tech value name. it's up 16% for the year. even after all the tech selloff? corning makes gorilla glass for iphone screens. and given reported better sales, we've got to believe corning might surprise, too. this could be a good tell about how the company's value tech might fair for the rest of the week. we also get results from herballife, which is the company that bill ackman thinks should go to zero, in part because he's shorting it but also he believes it's a criminal enterprise or he says he thinks it is.

what will herballife have to say? has ackman's campaign hurt the company? is it a giant in one man's desire to get richer? can a hedge fund manager wipe out an entire company to get some governmental entity to shut it down? i can't wait to hear what herbalife has to say, but ackman's not going to stop. not going to stop. you know right now i dislike the speculative stocks and have some disdain for the high fliers. tuesday we hear from not one but two litmus tests of whether there can be any second lives for beaten down stocks. the first is 3d systems, the three-dimensional company that reports before the bell, i told you, this was the stock i was most asked about. now, this is a $49 and change stock that has -- look, it's come down a lot. it's down all the way from a very -- i don't know, from as high as probably almost 100.

but it did report disappointing numbers and that's why it did go down. now, it's still up big from 20. and that's what matters, okay? and it was at 2012, and if it reports a bad number and goes down, so be it. that should happen, right? that's not what i'm worried about. if it reports a good number and gets hammered, then i say look out below for all the other high flyers, including one of the most lofty valuations in the market. and i'm talking about the much loved twitter, the product. which also reports after the bell. at twitter, twitter's at 41 and the stock down 35% for the year. again, this is like 3d, up a lot from the $26 ipo price. i suspect twitter might be doing better than many suspect. but facebook reported better than expected number this week and it's been a one-way ticket down ever since. so i don't really know what twitter can do to save itself in this environment. but these stocks can bounce and this one, too, could creating a short cover rally if it does do

a little better than expected, it can be a better week next week. otherwise, what i fear is we're going to get the same forecast, the same one that mr. t. gave in rocky iii. pain! now, my charitable trust has been buying google and facebook here because they're so darn profitable and they're getting hammered. they're being lumped in together, too. if twitter reports a good number, i think facebook goes higher. we've seen so much insider selling and secondary offerings from the newly public names. how about a company that stands there and buys its own stock on days like today? i'm talking about time warner. i've got to tell you, if this market keeps getting hammered into the end of tuesday, you might want to pick up time warner right at the close of that day's trading. i suspect this company with the terrific programming and fabulous hbo product could issue a really good report. and if i'm wrong, at least a huge buyback and that could always bail you out thereafter. we also hear from the inquisitive activist, which is a high-flying dublin, ireland

based company that represents the expensive portion of the health care sector that i so fear. this could be next week's tell for how that overvalued cohort fairs. look out, athena has been bleeding from the eyeballs down from 205 to 127 on disappointing numbers. maybe activists can bail the group out. i wouldn't bet that way, but stranger things have happened. i've got only one i'm really worried about on thursday. and this isn't about valuation. this is about actual earnings. this is about -- this isn't one of those stocks that's a crazy stock. it's a well-run company. i'm talking about mastercard. i know it's down from the high of 84, closed down $3, $70 and change. the rival visa reported a hideous number last night and shed a quick ten points falling to 199. in part because of slower cross-border revenues but also because of worries russia could shut down visa's business in their country in retaliation for our defense of ukraine. visa has 100 million card holders in russia, and a very large russian exposure.

so i see plenty of cause for concern. i say be careful. and it doesn't help that the last quarter wasn't all that spectacular even as it and visa are very well run. we also get to hear from a company that's become the wrecking crew for all of telecom, and that's t-mobile. i think this company's price cutting has truly turned the pricing upsidedown. i bet all of the phone companies get bashed when t-mobile reports the sign-ups. but be prepared to buy att or verizon on friday because the next day, their yields will give them a cushion by then and the interest rate environment is pretty low. finally, friday is chevron day. my charitable trust took profits in part because it has been roaring ahead of late. why sell any day? because the group's due for a breather, particularly chevron which i told you to buy about ten points ago. nobody ever got hurt taking a profit. here's my bottom line for next week, if we come in monday

without a resolution in ukraine or something negative occurs, it might not be a great opportunity just yet to pull the trigger. we have a gauntlet of high flyers reporting and they've been coloring the market. let them come down and we can buy the old-fashioned value stocks, good dividends in the wake of the fall. hey, by the way, if they bounce, remember to reach for the profitable ones, not the ones that can't stop spending long enough to actually make some money. carolyn in arizona, please, carolyn? >> caller: hey, jim, great show. >> thank you. >> caller: should i hold or fold? >> i like las vegas sands and wynn, i do. i think melco is not as good. and i like steve wynn and sheldon edelson. i do prefer lvs. can i go to reagan in montana, please, reagan? >> caller: hi, jim, this is regan in montana, long time listener, first-time caller. >> thank you. >> caller: it happens to be my

20th birthday today, this is a great birthday present. >> happy birthday. >> caller: my portfolio contains mostly energy and technology stocks, and i was wondering if you think diversifying with the food products company like chiquita brands is a good idea. >> i run this -- i have this restaurant, and it depends on the produce. some of these drought conditions are driving the cost of some of these produces up so high, i have to check chiquita, especially i spoke to howard schultz about the price of coffee, i'll make a better judgment. if we come in on monday without resolution in ukraine, don't get too bullish. we have a big gauntlet of earnings ahead of us. for some stocks, the selling could have a ways to run. stick around to find out where opportunity may not yet be knocking. stay with cramer. and later -- the ukrainian connection. solid earnings weren't strong enough to shield the markets from the escalating tensions overseas. is it time to take defensive

action amid the new western struggle with russia? don't miss cramer's take. plus, roth or regular? roth or regular? don't make an easily avoidable error and cost yourself a comfortable retirement. if you've got questions about setting up the right kind of account, cramer has a necessary insight you won't want to miss. it's all part of his playbook. 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.

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make a my financial priorities appointment today. female announcer: sleep train's interest is ending soon.t get three years interest-free financing on beautyrest black, stearns & foster, serta icomfort; even tempur-pedic. plus, get free delivery, free set-up and free removal of your old mattress, and sleep train's 100-day low price guarantee. but hurry, sleep train's interest free for 3 event, is ending soon. ♪ sleep train ♪ ♪ your ticket to a better night's sleep ♪ here's something to puzzle over. when you look at the bedraggled biotech and cloud-based software as service sectors, do you ever see much insider buying?

when you look at the fresh face companies that are still coming public in these two areas, do you ever see any earnings? and have you noticed that the ones coming public now are now either early stage biotechs that you would never finance yourself or incredible niche cloud-based software players for some tiny end market that you'd never invest in yourself? we have truly entered the twilight zone for these stocks. unless there's consolidation or insider buying of note or sense the company's believed profits do matter some day, then you can bet the selling isn't finished. the nearly 10% selloff in amazon today after some still one more spend for growth profits bedamned quarter says it all. they're exhibiting some of the most perfect head and shoulders patterns i've ever seen. by now all you know that's not a shampoo, it's a stock death sentence, one that's rarely commuted. worst of all, the insiders are

thinking, all right, all right, if facebook shot the lights out with the best growth it's ever been and if gilead could have the strongest drug launch in history and neither of them went higher, how about my little softwares service provider for the coffee room? water cooler software. how about a biotech lab that doesn't have anything that can be inflicted on mice yet. when people call in about speculative stocks right now and they want my blessing, i don't know what to say. gilead and facebook are executing expertly. these were good quarters. they earned money! but not enough? i don't even know. facebook ordered a ton. meanwhile, proctor & gamble and mcdonald's, they blew their quarters and they're even down. when service now delivers plus 60% in revenue growth, something that would've gapped it up 10 points three months ago, yet instead it rallies a dollar. even as every analyst reiterates

and then the stock retreats even further. today after we had the ceo on the show last night! what do you imagine will happen when one of these bullish analysts breaks ranks and downgrades the thing? i can't even fathom how low it'll go. i bet the insiders at these companies were locked up, many of them, right? the stock had become public. they can't sell their stock. i bet you they're calling their brokers and saying, hey, can you please line up a basket of like-minded software as service companies and short them to hedge my software as a service exposure? if you locked up shares in a company focused on human resources, why not simply short another money-losing cloud-based software company that's also focused on human resources? what's the difference at this point. these insiders need to protect themselves and seeing profits before they disappear into the ether. and just to be sure, don't i know where i speak of. back during the last tech bust in 2000 when i was locked into millions of shares of the street.com, broker after broker offered me a chance to short a

basket of other money-losing dot coms. i didn't do it. didn't seem right to me. but these days when hedge funds run ahead of takeover bids, i guess running ahead of selling in your own stock by shorting a bunch of analogs makes sense. that's exactly what is going on behind the scenes now. and who can blame the insiders? the oversupply is ridiculous, the glut's immense. they ought to rename the stocks as the service companies and call them software as is a disservice to your portfolio stocks as the acronym s.a.d. pretty much says it all. the selling might not let up until we see mergers and insider buying. sadly, that could be a very long time and a much lower price away. wow. negative, huh? how about carl in mississippi. carl? >> boo-yah, jim. >> boo-yah, carl.

>> huh? >> caller: xerox. >> that wasn't that good of a quarter, carl. i've got a lot of other stocks i like more than that. and that offer good dividends and have a lot of defense. i'm going to say no to that. anyway, we've reached the twilight, and where is serling when i need him? until we see mergers or insider buying, the selling can continue. coming up, sure you know what's being sold, want to know what you should be buying in this tape? is there anything? hey, don't move. money's not leaving the market altogether. find out where it's going. stay tuned. coming up -- investing advanced? armed with these portfolios, betterment wants to change the way you invest. find out what this start-up is doing to shake up the industry when cramer goes "off the tape." "

when someone comes up to me and wants to talk about the market, unless it's some penny stock pump and dump scheme, which it often is, i'm all ears. last night a gentleman pulled up to me and expressed a view i think is becoming more and more prevalent. especially after tough days like today. he wanted to know how the heck can a market keep going up when

it has lost its leadership. mainly the momentum stocks that have so dominated portfolio manager thinking for so long. he talked about how the crushing of the biotechs and the internet names must inevitably lead to a wider market crash. his word. i don't want to be glib in saying don't worry. i didn't do that. i always worry. i had to think about his thoughtful question. because unless this is the first time you've ever watched the show, you know i believe the old leadership of momentum has been vanqui vanquished. and those stocks remain problematic. plus, on a day like today where the entire market gets obliterated, feels like last night's inquirer could be right. the pain was immense. there were many reasons for the decline, can't just be pinned a the the feet of the now fallen leaders, although, you could argue that amazon's was absolutely approximate cause at least for the decline. but i explain, there have been many times where the leadership of the market has changed the

coloration without causing an avalanche of selling and overall annihilation. for example, march of 2000, you saw the baton pass, including many soon to go bust dot coms to s&p companies. although, b back then it was brought down by the overvalued traditional techs that dominated the average companies that sorted to ridiculous valuations. the valuations of those companies reached extremes, never got overvalued. the expensive stocks valued on eyeballs and page views didn't destroy the great american blue chip leadership back then. when the dot bomb went off, there was collateral damage, but plenty of nontech stocks with real earnings and dividends had to be bought, not sold on days just like today. yes, the bubble deflation tended to stay within their sector. but that sector was by far the largest one in the s&p back then. so the s&p chart looks almost as hideous as the nasdaq chart.

but, there were stocks that held up and ultimately triumphed if you stuck with them. even in 2000. and that's what's happening right now. the out of growth into value trade, not an out of growth into nowhere disaster. plus, the old-fashioned techs never got pumped up this go round like they did back then. these days, the intels, the microsofts, frankly they represent excellent value. and perhaps because i'm old enough to have invested during the 1980s, i can remember when the torch passed from a flood of personal computer related tech stocks to more common food and drug companies as the bankers saturated the market with tech ipos in 1984 and '85. and the money quickly migrated elsewhere. namely, to good old-fashioned blue chips like merck and coca-cola. sound familiar? i gave the question that historical insight then i followed up with something that has truly spurred the current move from love of growth to love of value, which plays out every day, including today. i'm talking about the move away from companies that don't

respect or care all that much about being profitable to companies that do everything they can to make money for you, including cutting costs, buying back shares and executing with true earnings benchmarks in mind. i'm talking about going into companies where insiders are more likely to buy, not bail. where secondaries and ipos are less likely than mergers and acquisitions. isn't that what's really going on when you see money flowing into quality stocks like microsoft, like starbucks did today? isn't that why the industrials have been so red hot? we're unchanged. unchanged for the week. and i believe are just taking a breather in part over worries about russia and ukraine. isn't that the secret behind the astounding $1 trillion in deals so far this year? almost all of which involve profitable companies. i find the growth to value shift healthy and much-needed. when growth was scarce, we gravitated to fast-growing biotechs and internet companies, including software as disservice

stocks or s.a.d., i can't resist, because at least putting up positive revenue numbers. but now that we're getting genuine economic growth, we're looking at companies that can have a step function higher because of that growth. stocks like caterpillar, united rentals, timkin going into today's selloff, at least, consider how intel, alcoa, dow, ppg, dupont hang in there. they are to a certain degree, gross international product plays. stocks you buy when economies around the world give you better growth. remember, portfolio managers can't resist year-over-year earnings increases. and if the economies of the world continue to gain strength, then these companies will crush the analyst earnings estimates, not just the sales numbers like the stuff that was red hot the momentum companies. in addition, there's nothing wrong with liking domestic dividend and value plays at a time when the yield and ten-year treasury stays low despite the fed's tapering of the bond buying program. that's how you can have two of my favorite utilities duke and aep work steadily higher. con-ed, dominion, all working.

i never mind when the packaged goods companies like kimberly clark, merck, pfizer, and coca-cola provide leadership. they've let us out of many a jam before. yes, this market rewards companies that make real profits and return them to you. apple anyone? and punishes companies that seem to disdain the need to show profits like, yes, amazon. over the last few years, many tech companies adopted the model of profitable prosperity because it worked for amazon stock. the opportunity is too great to waste, at least on the altar of turning a profit. now that model's being stood on its head. you can only imagine how hard it is for companies that don't temper their spending when amazon stock gets obliterated for doing a pretty amazing job of generating global growth which was until very recently exactly what these same portfolio managers wanted. but the money has to go somewhere. and it's going to the most valuable pieces of merchandise out there with value being a rubric for consistent growth, good execution and a desire to

reward shareholders after the growth opportunities are exploited. yep, now that the global economy's improving, the market's reverting to its old ways of giving higher priced to earnings multiples, not price to sales multiples to the most profitable while despising companies that disdain the tried and true way stocks have advanced since time and memorial. days like today you can't tell. this was a genuine market wide selloff. but there were standouts that fit this new value model. and i believe that if it weren't for fears of what would happen this weekend in ukraine, we actually would've had still one more orderly transfer of capital from decidedly overvalued tech to undervalued classically profitable companies that are doing better, not worse with economy's expansion. i think facebook's cheap, it doesn't matter, market doesn't think so right now. no doubt there's more damage to come from the overvalued sectors like tech and biotech and the speculative stocks that haven't a prayer of profitability. but that money's not leaving the market, it's finding a better,

smarter and more historic home. as it always has in the end. let's go to mike in minnesota, mike? >> jim, big boo-yah to yaw from the great state of minnesota. >> good to have you, what's up? >> caller: over the past three years, silver prices and slv have taken quite a slide. it's done well this past week. do you foresee a rebound in the near future? >> well, i believe. i actually like gold as a percentage of keeping some gold as a percentage of your assets. i would prefer you to do that than silver. silver is the poor man's gold and has industrial uses. gold is a currency. and when i see the ruble collapsing, it's going to gold not silver. stewart? >> caller: how you doing? >> good. how are you? >> caller: a few months ago you recommended emerald oil. i'm disappointed in the results and the ceo. i think he's got pine tar in his head. >> well, it's been disappointing. there's no doubt about it. and i'm actually surprised they

are not doing better since everyone else is doing so well exactly where they are. and i don't know what to say other than the fact that i don't agree with the ceo, but they should be doing better than they are. you can neither create nor destroy matter, i mean money, the damage can continue, but that money is finding a better home. and do you know which is better for you a roth or regular i.r.a.? stay tuned, we'll explain your choices and help you decide. don't go anywhere. nywhere.

predicting the future is a pretty difficult thing to do. nywhere. but, manufacturing in the united states means advanced technology. we learned that technology allows us to be craft oriented. no one's losing their job. there's no beer robot that has suddenly chased them out. the technology is actually creating new jobs.

siemens designed and built the right tools and resources to get the job done.

. no matter how good you are at picking stocks, if you don't know all the rules about which

accounts to keep your money in or how to manage your personal finance -- or costing yourself a fortune in all sorts of hidden fees. that's why every week i take you through my playbook in a segment entirely devoted to teaching you how to handle your personal finances along with basic investing principles. in order to get a better sense of what matters to you, i want you to send all of your questions to twitter @jimcramer with the #getaplan. really jammed with this market. i'll do my best to get back at you. and while we're at it, it's always worth checking your money.cnbc.com. got terrific financial advice there. i admit this isn't as fun as picking stocks, although on a down day like today, it's not so bad. it could help you to build up more wealth than couple of great stock picks. i don't want you leaving that money on the table because nobody could be bothered to explain, say, the finer points

of retirement investing vehicles. with that in mind, here's a question for mitch who asks, and i quote, traditional or roth 401(k) for grad starting full-time job in 28% tax bracket. where are your potential tax climate when i'm 65? that was a good use of twitter spaces. now, i know i've talked endlessly about the benefits of using individual retirement account or i.r.a. for short and 401(k) plan to invest for retirement. and i don't want to beat a dead horse here, but we haven't gotten to the distinction between a roth account and a regular one. and this is something i get a ton of questions about. should i put my money in a roth account? or should i put one in a regular account? and is one of them wrong? mitch asked about a roth 401(k), but only some employers choose to offer these to their workers. so to set the stage here. let me give you background on the beautiful tax-favored vehicle known as a roth i.r.a., which anyone can contribute to as long as they make less than

$122,000 a year. i think aside from the earned income tax credit, the roth i.r.a. may be the single greatest thing our government has done for lower-income families since the end of the war on poverty where alas poverty won. i've told you all about how a regular i.r.a. lets you take pre-taxed income and invest it, and your gains can increase tax-free until you start withdrawing money when you've retired. but a roth i.r.a. works differently. you make contributions with after tax income. in other words, unlike a regular i.r.a., putting money into a roth won't decrease, won't decrease your tax bill. on the other hand, though, once it's in the roth i.r.a, you'll never pay taxes on it again. as long as you don't pay capital gains taxes, dividend taxes and when you withdraw it which you can do without penalty after the age of 59 1/2, closing in, you

don't pay any income tax on your withdrawals. on a roth you pay taxes now so you don't pay income tax 30 or 40 years from now when you're retired. there's one other positive point. after five years you can withdraw the money you invested and you won't be hit with that penalty which is what happens when you try to withdraw from a regular i.r.a. before you hit that magic age of 59 1/2. and when you're closing in, it doesn't feel very magical. so, you see, a roth is fundamentally different from a regular i.r.a. with a regular one, you don't pay taxes on your contributions now and your gains don't get taxed within the account. but once you start withdrawing money, every penny you take out is taxed as ordinary income. which means that when you're trying to decide between a roth i.r.a. and 401(k) and regular 401(k) and you're make debating if it makes more sense to pay them now or wait and pay once you've retired with a regular account. you have to figure out whether

you'll be in a higher tax bracket after you've retired or a lower one. obviously this is a complicated question that has to do with the specifics of your situation. your career and how old you are. for anyone with marginal tax rate is 25% or less, 25%, which is most of america, i think you go with the roth. better to take the hit up front and then allow your roth i.r.a. to compound tax free for the rest of your life. for those of you who don't have the time to pick your own diversified portfolio, the smartest thing to do is just park your retirement money in a low-cost index fund that mirrors the s&p 500. as you get older, you can add some bonds, but really until you're actually retired, stocks should make up the majority of your retirement investments. it's so necessary yet so contrary to the conventional wisdom. all my books say it if you don't understand, i've got a much longer explanation. back to mitch's question on the idea of a roth 401(k). this works like a roth i.r.a., which means you make

contributions with after tax income and never pay again because it's a 401(k) plan, it's a much higher contribution limit. and there's one other big difference, you can't take advantage of a roth i.r.a. if you make more than $122,000 single or $179,000 if you're married and filing jointly. a roth 401(k) doesn't have any kind of income cap. no matter how much you make, you can take advantage of one of these as long as your employer decides to give you the option. now, mitch says his moarginal tx rate is 28%, they let you make contributions with pre-tax dollars so the higher the current rate is, the more valuable you'll find a non-roth i.r.a. or 401(k). he says he's worried about when he retires 40 years from now. i'll admit, if you believe that taxes are head inexerably higher, then a roth 401(k) is the way to go even if you're making a lot of money in the

present. for those of you young people who only became politically conscious under the obama administration, it may seem there's no way to stop the higher tide of taxes, but history says differently, and i believe we can close the deficit without substantially raising taxes, my view. at the end of the day, though, this is both beyond our control and beyond our ability to predict. here's the bottom line. the lower your present income, then the lower your taxes. a roth 401(k) or roth i.r.a. lets you pay those low tax rates and now -- and never worry about taxes again for your retirement money. so the less you make, the more likely it is that a roth is for you. it's that simple. and when you're saving for retirement, don't worry about what could go catastrophically wrong 30 or 40 years in the future. just worry about making the best choices right now. don't move, lightning round is next. next.

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it is time -- and i'm glad, it is time for the "lightning round" on cramer's "mad money." rapid-fire calls, say the name of the stock, i tell you whether to buy or sell. play until this sound -- and

then the "lightning round" is over. are you ready? time for the "lightning round" on cramer's "mad money." sandy in michigan. sandy? >> caller: hi, jim. >> hi, sandy. >> caller: you are an inspiration and inspired me enough to get your book. >> thank you. >> caller: i've had baidu for the last couple of years but i'm not happy with it. what's your opinion on it? >> i don't know, sandy, it did report a good number with it. and it's the only chinese stock i'm recommending. i want you to stick with it. i think it's a good one. let's go to mark in tennessee, mark? >> caller: hello, coach cramer. >> how are you? >> caller: announced this week they are real close to global adoption reimbursement on their breast cancer screen. today it hit a 52-week low. >> yeah. >> caller: what do you say? >> yeah. what happened is when gilead reported the amazing number and the stock didn't fly up, everyone started selling these, sir. so i think you've got to give it room. i think you can go still lower, sorry. can i go to clifford in utah,

please, clifford? >> yes, long-term molly corp., jim. >> i don't like that. i'm a balance sheet guy and like core earnings power and dividends and they don't have anything i see that i like along those lines. let's go to cory in massachusetts, please, cory. >> caller: big boo-yah from massachusetts. >> nice, what's going on? >> caller: boston bruins, baby. epzm, what do you think of the sthok? >> again, i don't want to sound like a broken record about the biotechs, but celgene has a big position in this company. this is not what people want right now. it's almost back to where it came public. i would let it come in more if i wanted to buy the stock because it doesn't have earnings and the market's not tolerating companies that don't have earnings anymore. let's go to cole in iowa, cole? >> caller: boo-yah, mr. cramer. >> what's going on, cole? >> i want to give a quick shout out to my friend and my question was about brunswick corporation. >> lowered numbers and did the number and i think that's fine. i think this is a good play on

the strength of the american consumer. we saw some weakness, we saw some weakness, owens corning. i like the fact that brunswick's lowered the bar. how about david in california, david? >> caller: yo, boo-yah, cramer. >> boo-yah, david. >> caller: i wanted to ask you about sandridge energy. >> i think it's dirt cheap. i like the plans they have, ceo, i think sandridge is a winner. i do like what they're doing, s.d. is for me. and that, ladies and gentlemen, is the conclusion of the "lightning round." >> the "lightning round" is sponsored by td ameritrade. it's the revenge of the nerds. these are the stocks that wear pocket protectors, like a real nerd, you know. consider the chief nerd, apple.

apple was flooding! the nerds are now in charge. and wing tips. herb's concerns are simple. he's yellow flagging it. why is he yellow flagging it? not red, by the way. still that potential yellow bear -- already threw the flag, got to throw the bear. as for the -- man. there, how's that? i don't know a soul who expected anything shocking from apple. we've got the 7 for 1 split of the apple. one, two, three -- when you divide an apple pie into seven slices -- and i hope you do it better than i did -- >> four, five, six -- it doesn't make for more pie.

two, three, four, five, six, seven -- and i can say? how many of you expected this? instead of a 7 for 1 split? >> oh, yeah. bring a knife over here. >> don't bring a knife to a gunfight. bring a knife to an apple pie fight. did you have to get that in my hair? i mean, my head. one, two, three, four, five, six, seven. one, two, three, four, five, six, seven -- okay. ♪ ♪ ♪ [ tires screech ] chewley's finds itself in a sticky situation today after recalling its new gum. [ male announcer ] stick it to the market before you get stuck. get the most extensive charting wherever you are with the mobile trader app

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. we can't talk about investing without also addressing the wealth management industry. and right now, we're seeing a sea change in this business, but the rise of digital money managers easy to use websites offered financial advisory services and brokerage products at ultra low prices. that's why tonight we're going off the tape to get a closer look at this business. specifically talking to a privately held company, which means you can't own stock in it, betterman, the most popular online investment adviser in the country. it's an investment adviser and asset manager. specialize in gold-based investing directing people to a portfolio of index funds and fixed income etfs. we're all about active investing here on "mad money," picking your own stocks, but if you don't have the time+++-

like putting your money in a cheap index fund. that's the way to go. betterman now manages $500 million in assets but expect to double by the end of the year. let's take a closer look at john stein, learn more about this rapidly expanding business. mr. stein, welcome to "mad money." how are you? have a seat. it's a private company. we've got to explore it. i don't want to make it sound like betterman is some stock that's trading right now. >> right. we're still a private company. >> there's always a possibility, right, one day, it could. >> that's right. most recently, northwestern mutual life and city bank have invested. we've got the best of v.c. and finance. >> let's say i'm an individual investor and not getting the service i might like because i'm not big enough. >> this would be a great place for you to go. people just starting out, people trading on their own and done with it or for a piece of their money they want to put it with us. >> so part of it, they might

want to actively manage, but part of it they might want to give to you. and you are able even on a day like today, a bad day like today, you can adjust it to whatever the risk, the risk profile? >> our portfolio's globally diversified. so even on a day like today where the dow is down significantly, that's only 25% of a diversified portfolio. and we remind people that it's for the long-term. and over the long-term, things tend to go up over the very long-term. and so the short-term movements don't matter so much. >> okay. now, how much does it matter the interface? because people tell me -- and i looked at the interface. the interface is pretty cool. but should that -- is that because you want it as a dash board that's easy and your current place may be much harder to work with? >> yeah. how many people really love their financial sites? i thought that was a big problem in the industry that people, they're too complicated, too confusing to know what i should do. and often times you see the wrong kinds of advice coming from them. >> right. >> so our goal was to make a delightful experience that gave

you the best returns we possibly could. and that is incredibly important. you can sign up in less than five minutes, all easily accessible to you on the mobile phone or as well as the web app. >> and on a day like today if you are nervous, you have someone to talk to, right? >> yeah, call in any time, we're there seven days a week, we do get a lot of calls and e-mails. >> where's the money at if i give it to you? >> we invest in a diversified portfolio. >> is it like a custody firm? >> we manage it for you? and we do have a custody firm, as well, but we're doing end to end everything for your account so that we're able to provide a better experience. we're doing your tax accounting, doing all of the advice and the behavioral suggestions that we give you in the site. >> and if i -- if i give you, say, $200 to $300, that's okay too, right? >> that's right. you can start out with any amount. and we have accounts that start out with small amounts, customers with start out with

hundreds of thousands of dollars. >> and it isn't like if i give you $500, i'm only going to have $490 a day i give it to you. >> we charge .15% to .35%, which is less than anybody. >> that is low. and that's one of the reasons why you guys have been able to raise so much money in the last -- this year. you've taken in a lot of money. >> one of the reasons we're growing. i say are low fees and we get you a better return in less time. >> sounds like a good model to me. remember, it's not a public company. it's a private company, but they have a very interesting website. that's john stein co-founder and ceo of betterman. thank you, john.

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look, i know it fell badly today, but this was just a flat week for the s&p. the problem is, these very highly valued stocks. and i think they're correcting and the rest of the market obviously if the s&p's unchanged isn't getting hurt nearly as badly as you felt. i do worry about ukraine, okay. and we know i said that mastercard could be an issue next week. i do think that some of these high flyers that have profits can bounce or else i would have said, you know what, forget about the facebook. i didn't say that. but the others that don't have profits, i think they will be

sales when they go up, not buys. so be careful, we're looking for solidly profitable companies that have good growth. i like to say there's always a bull market somewhere, i promise to try to try to find it for yoe looking for his first career playoff win and his first playoff start as a flay flyer is steve mason. injured late in the regular season, he needs to find his form against henrik lundqvist of the new york rangers. lundqvist makes his 70th consecutive playoff start in game four tonight. >> what a goal. >> scores!