wholeheartedly with that. right now the vix is low, options are cheap, the market's going higher, you buy calls. >> scott. >> vix is low for a reason. >> that's it? >> that's it. >> looks like our time expired. i'm >> 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. it's my job not to just entertain but to teach. call me at 1-800-743-cnbc or tweet me. in the face of declines rallies and plain jane garden varieties in this market we must always guard against our own human

emotions which often get the better of us when everything is going well in the stock market and when things are going badly they seem to grip us totally. but things are too good and we take too much risk and when thicks are going terribly we dispair and leave the stock market entirely. it's a fact of life and over the years even as stocks climbed and climbed there have been swoons real swoons go down swoons that drove people out and they simply went to securities to give you little or no return and then they watched the big gains from the sidelines. now i totally understand the aversion to stocks many people have these days. we have many reasons to be disenchanted. there's the done turns of 2000-2001. there's the stocks when they were cut in half. there's the flash crash or the facebook ipo. then there's the insider trading cases and the obvious situations where stock went down and down and then town some more.

it's clear that someone knew something and you didn't. i validate these feelings right now right here. but the fact is the stock remain the only gail in town. maybe one day interest rates will go back to more normal levels and stocks as well as good certificates of deposits or bonds or whatever might be attractive in the fixed income markets but that's not occurred yet and until it does we need to have our money work for us. we're like the old avis ad. we have to work harder to make our money grow. that's what tonight's special show is about. how to make your money work harder in a responsible way and we're using different types of stocks to demonstrate how we can can do that responsibly and carefully. that's like get rich carefully. what helped this show years and years and years is the notion of prudent personal interesting. each one is thought about as a

different entity on its own. i recognize that because it's something we i mean me are very proud about this is an episode about better investing for you. now this show is about managing their own money or being a better client if you have a full service broker helping. if you don't want to manage your own money over the years i've come around to this -- i have become perfectly happy with you buying an index fund or a couple of index funds -- say one that represents the s&p 500 or a total fund. i have become a little jaundice about mutual funds. they're about raising money rather than doing well for you and so few of them have beaten the stock market but i'm at this juncture where i say what's the point. if you don't have the time or inclination throw your hands up and buy a fund of the index variety. at the same time though many of

you tune in because you want to own individual stocks. i'll make you better at it. it's something you decided is good for you. maybe it's a companion to an index fund or as a way to grow wealth because you think you can do better than an index fund. something i believe in because in the many years we have been doing this show thousands and thousands of people have told me or called me or e-mailed me that they have done better than the market using the show and their own knowledge so we aren't going to abandon it anymore. we're giving you directions about how you can pick your own stocks and still not take on too much risk. normally we say the way to do that is to be diversified. but too often i start to see many portfolios where everything will trade together in unison and in a way that could easily be detrailrailed in a downturn now you know i can't cover all the

stocks in the world. people think i try but i can't. do i want you to own only five stocks? no it would be better if you had a minimum of ten stocks. no more than 15. we have done many shows about what homework entails but you know it means knowing what the company does, what you're looking for, what the analysts are looking for, how it's doing it. what i want to do is give you ideas to help you explain that there are classes of stocks within the stock market that aren't just by sector. in other words, i am offering tonight a new kind of diversification that can guide you toward what kinds of stocks i want you to have manage your money yourself. first, let's go over your mind set. if you're going to manage your own money, you have to recognize the value of humility. please repeat after me. sometimes i'm going to be wrong.

come on say it. sometimes i'm going to be surprised and not in a positive way and one more sometimes my stock picks won't workout despite my disciplines. look i want people to understand that humility done come naturally to everyone but staying humble is important. why? because other than greed nothing cost people more money than arrogance. if you own stocks you have to accept that you're going to be wrong. perhaps often. your portfolio will get hit with things you never saw coming. things you never imagined or thought possible. that's where i am coming from when i talk about this new diversification you need to work harder than basic diversification as in a drug stock or financial. my new diversification recognizes we are at one with the world. they trade together these days including bad times and that's impacting our stocks in different ways. plus electronic traded funds

link different sectors together the way i never dreamed of when we started mad money. you need a portfolio that starts in all kinds of markets. even ones that import the errors and pitfalls of political and geo political events to our shores because these matter much more than they used to. again i've had to change to adjust this. i never used to care about washington. they really impacted stocks. but after the great recessions we had elections that brought leaders that directly intervene in the markets and with the worldwide linkage it's not just our politicians and bureaucrats we talked about. who would have thought that we needed to know what the european central bank was? what it was going to do. let alone the person's name that runs it. i didn't used to know that stuff. who would have thought we would have to gauge the strength or weakness of the chinese economy on a week to week basis or daily. it's been all strength for two or three decades. who would have thought a cold

war would be back on the agenda or there would always be a hot war in the middle east? we need to protect ourselves against these new intrusions and tonight's show is an homage to a changed world. it's all about the right kind of stocks. there's five different areas you need to have covered for maximum protection and upside. you need some gold. it can be a complete dog. i've been there. we'll talk about that too. that's all right. this is diversification. it can sponsor as insurance. you need a dividend paying stock with a high yield. you need a growth stock and you need something speculative and something from a healthy geography. cover all five basis and you'll have a portfolio that can win in any market which is why i'm going to explain what makes them essentially and teach you how to analyze stocks in each one. the bottom line a good investor

knows to always expect the unexpected. that means keeping your portfolio diversified with only 20% of your holdings in one sector and following the new diversification. gold high yield, growth stock, geographically safe stock. stick with cramer and i'll tell you how to pick the best place in each of these categories. let's start with sean in florida. >> thanks for having me on the show. >> thrilled that you're on. how can i help? >> i want to thank you for inspiring young investors including myself. i'm a 21-year-old finance major at florida state university and i wanted to get your opinion on investment strategies for your 20s. >> sure. well, first of all, go noles. my first job was to cover florida state and florida a&m, their football programs and i loved tallahassee. the people in their 20s must take risk. i saw that because everyone is so risk averse. you need speculative stocks and high growth stocks and just

growth stocks. that would be the mix of diversification if i were back in my 20s and by the way, let me just say, in my 20s when i spent all of my money it was at big daddies on that beat your head in night. beat the clock. the drinks started at a nickel. i should have put the money in the oil stocks. how about helen in illinois. >> this is helen and i'm a retired lady and i wanted to know when you make money in the stock market is it better to take some out and put it somewhere else or lose it? >> okay that's a great question because my mother when i used to go gambling with her always said let's take the winnings off the table and buy a nice sweater. you should take some of the winnings off the table if you had big moves. our goal in life is to play it well. there's many goals in life but in the financial life is to play with the house's money. that should be your absolute goal at a minimum if you can do it. diversification is the spice of

life. you need a goal high yield, speck stock and geographically safe stock. i'll help you find the best of each on tonight's special show. stay with cramer. >> 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. so you're a small business expert from at&t? yeah, give me a problem and i've got the solution. well, we have 30 years of customer records. our cloud can keep them safe and accessible anywhere. my drivers don't have time to fill out forms. tablets. keep them all digital. we're looking to double our deliveries.

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>> tonight i'm going to teach you a way to do the stocks i call the new diversification. not just by sector but by style and straj ji sotegy. you'll always have something holding you in the game even if it's so excruciating you don't want to continue playing while at the same time making sure

that you have some positions that can go higher when times are good. what's the most important category? in a world when central bankers raise rates you can get enough to live on. you need a stock with a good yield. this isn't a fuddy duddy way to approach things. you need a stock with a big high yielding dividend. but unlike when we diversify by sector owning two or three high yielders it can be a good thing. they're not the same. i wouldn't go in on five because then you would be extremely vulnerable if the return on long-term treasury bonds, the competition ever spiked in a big way. you could get hurt. on mad money we always respect the bond market or the powered holds to reintroduce stocks. when interest rates rise your dividend related stocks will get smashed no matter what the industry they might be in. we see this time and again. yet they recognize a telephone

utility like verizon can trade with a consumer package company like proctor and high yielding oil like conoco phillips so it's important to consider that after a period of tame interest rates, volatile ones could move all three stocks at the sail time. we must always be concerned that the favorable tax rates on dividends could go away and would make the most competitive to bonds and give these fixed income equivalents a real whacking as it did by the way in the spring of 2013 but if you own one stock way really large yield and one or two of the other names in your portfolio, it's not a bad deal. i know dividend paying stocks may not be what most people consider sexy but you know what dividends make you money for heaven's sake. but to me that's the definition of sex appeal. i have a pretty warped social life so my perspective might be

a tad skewed but buying high yielders and revinnesting into the stocks is one of the greatest most reliable ways to make money out there plain and simple because it allows your investment to compound overtime. in other words, overtime money from your past dividends pays dividends giving you compounded returns. provided that you keep reinvesting. there's a huge misconception out there about dividends. they're 2 or 3%. people think that high yielders are are only about safety or generating income in your retirement. but let's do a little history here. january of 1926 about 40% of return from the s&p 500 has come from the reinvested dividends i'm talking about? if you look at the last decade the percentage is even higher. that's how they are to capital appreciation. wall street gibberish for growing your money. i run a charitable trust as part of a teaching tool where i have to give my dividends away at the end testify year and the inability to compound them truly

hurt me overtime. hurt the fund. i don't get the money. charity does. dividend stocks aren't merely a place to hide when the market gets rough although they do represen a fabulous safe haven in difficult times. they're not just for retirees that only care about that. it's one of the smartest stratst strategies for making money. it helps them hang in there when everything else is getting annihilated. the yield increases and gets to a level where it's too attractive for most investors to ignore. that's the reason why i like to talk about accidental high yielders. ahys. these are stocks that yield north of 4%. not because of dividend boost but because their share price has fallen so far so fast causing the yield to skyrocket. time and again we see stock bottom at this level.

it happened during the financial crisis and we've seen it happen in big industrial stocks hallered by emerging market downturns and china. once the yield hits 4% as long as the dividend is safe these stocks have a magical way of stopping their downturn and they often turn out to be fabulous long-term bargains. i also like the stock of companies that have recently raised their dividends. as a dividend hike is one of the clearest signals management can send about the strength of the business. it's one that has steady reliable growth and it's a company you can be pretty sure won't be cutting that dividend any time soon. oh, come on you cut it after you raise it. that's too embarrassing. it can cost the ceo his neck so they're serious business. even better are the ones put through more consecutive years.

companies like 3m procter & gamble johnson & johnson, long history of dividend raises but other than high yields and dividend boosts how do you emphasize it? it's not that easy. you to think safety first. high yields are attractive but a very high yield could be a signal but the dividend is unsustainable and will have to be cut. you'll see me throw the red flag around here and that takes away a rigorous safety inspection. if it seems endangered no. it ain't worth it people you have to stay away. consider these bond funds, monster yielders 10 or 11% that were based on strategies that

involve buying bonds with borrowed money. >> when rates jump these were crushed. don't take the bait. there was nothing accidental. the yield was a huge red flag sending a signal that the payout would be reduced in a short period of time. not worth risking. don't risk holding on that to capture a juicy dividend. we saw that happen a couple of years ago. so given that i am buyiased against the high yielders. we look at the earnings per share. my rule of thumb is if a company has earnings greater than twice the dividend pay out we know it can sustain the dividend even in

lean times when you think the earnings are going to shrink. in that case you're home free. the dividend is secure. if not you need to go to step two. you have to look at the cash flow. especially important when dealing with companies that have a lot of machinery or heavy capital equipment invest lt which causes high depreciation costs. think high yielding. like verizon att. communication networks don't come cheaply. they can't afford that yield. wait a second these costs don't come out of a company's actual cash but they do skew the earnings lower which is why the cash flow can give you a better idea about the health of the dividend. i know at jim cramer on twitter people ask me how i can recommend these stocks. but it's because of the cash

flow. if money is coming to it in the near future and the company can't raise it with the bank or the public it may necessitate a dividend cut. you need to know how to actually collect a dividend. i want you to forget all the jargon. on mad money we care about only one date. i call it the must own date. that's the last date you have tone stock. the must own date is the date before the x date. bottom line if you want to embrace the new diversification on top of the mandatory old fashion sector kind we still preach if you want to be prepared for the market out there you must own at least one high yielding stock. dividends protect your stocks and they're a terrific way to make money. what's not to like.

>> i have a son, 35 years old. he has a roth ira, all with the s&p 500. my question is do you think it might be a good time to sell it and go to a cash position buy it back on a dip or go to a fund dividend and what would you suggest? >> i want him to stay in. i don't want him going in and out. peter lynch taught us that the great fidelity manager describes how if you get in and get out like that when you're a younger person you may miss the one window when all the growth happens that year. tell him to stay the course. to dividend and conquer. make sure you own at least one high yielding stock and of course stick with cramer.

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at ally bank no branches equals great rates. it's a fact. kind of like mute buttons equal danger. ...that sound good? not being on this phone call sounds good. it's not muted. was that you jason? it was geoffrey! it was jason. it could've been brenda. >> the discipline of a new diversified portfolio always trumps your convictions about where stocks are headed. by never having all your stock eggs in one sector basket you'll never have to suffer through the agony of watching everything you

own crush when that basket gets run over by a truck. next you need a good old fashioned growth name. a secular growth stock. on wall street secular has nothing to do with secular or the first amendment. on wall street when a company has secular growth it means that unlike cyclical smokestack growers, ones that need a strong economy perhaps here and abroad to beat the estimates, so critical to stocks going higher the earnings for secular growth stocks aren't hostage to the helthd health of the economy. when you get your hands on a strong secular grower that stock can keep going higher and higher. going on the new high after new high as long as the fwroethgrowth lasts. thinks about apple, google facebook or regeneron or celgene, companies growing like

the drug companies of all back when big pharma was sinynonymous with growth. we're paying for companies expected future earnings per share. we know we need to understand this because we need to compare stocks on a apples to apples basis. so therefore the $50. apple is not worth less after a 7 for 1 split is it? so let's two over what a stock price really means. here's the simple algebra. the share price known as the p as in the pe ratio, short hand for how we value stocks the p equals the e times what's known as the multiple or m.

e times m equals p. we're trying to solve what we're going to pay for the earnings stream. what's the multiple we're going to play. it's the key. it tells us what investors are willing to fork over for future earnings and there's the vital ingredient that has the most effect on the size of the valuations special sauce is the company's growth rate. that dproeth means thegrowth means they'll get larger and larger in the years ahead. what they mean is it is is cheaper than the average stock in the s&p 500. the benchmark for all stocks. yet it grows faster than the average stock or somehow more special than the average stock because of the catalyst about to occur. we use this as a backbone for

much of what we do. when it comes to a high octane secular grower that doesn't need the economy to get strong the stock can trade up to a multiple that's as high as twice the long-term growth rate. the percentage gain of year over year earnings growth before it gets too expensive for the money managers that determine the pricing break basically. if the company is kbroegrowing at a 10% clip they would pay as high as 40 times earnings and typically a growth stock won't trade down to a multiple of less than one times it's growth. in that case 20 times earnings unless there's something wrong that we don't know about or won't find out about until later. maybe we're in a nasty market that soured on growth for the moment. even secular growth. that does happen. possibly because of a spike in interest rate which is makes the multiples shrink as their larger earnings in the future become less attractive. by the same token lower rates make growth stocks more

attractive and cause their multiples to expand. we pay more for that or like in the spring of 2014 when so much supply hit the stock market in term of new offerings and secondary. big gobs of stocks sold at once for insiders were nasty and the buyers were overwhelmed and what happened is the cloud internet and biotech stocks almost all faltered. even more important, when you own a high growth stock you need to be sensitive to which direction the earnings estimates are going and whether they're increasing at a faster owe slower pace. they can soar but remain cheap as long as the analysts that cover them keep raising their earnings per share estimates. when the estimates have momentum a stock like facebook can double over the course of 12 months and the price to earnings multiple would be lower because they increased faster than the share price did. this allows the stock to resist

the downward gravitational pull of the ugly economy but be very very careful because you're playing with earnings momentum so you're playing with fire. if the time comes when the estimates have to come down or the growth is decelerating. it looks like what's at the bottom of this. driving a fast car into a retaining wall. the stock could fall faster than you could ever imagine. witness chipotle dropping 100 points in a day. it was one point down on an individual day. it suggested the company might be more vulnerable to economic weakness than anyone thought. we thought it was a great secular grower no matter what. and you made out like a bandit after the growth returned and

then some. but you have to be cautious because unlike chipotle the pain could last for years as the stock goes through a painful process that we joke about. i like to refer to seinfeld. it could take years as momentum and growth seeking investors gradually pay less and less for slower erngs growth until all the growth money managers get shaken out entirely and the price to earnings multiple sinks to level where is value oriented investors become interested and bottom fish. that's been what the long ride down has been forals like merck or mcdonald's. when you see it don't hang on for the full ride down just -- >> sell sell sell. >> the bottom line to build a portfolio that can work in every kind of market you need a fast grower. a secular growth stock with lots ahead of it for years to comment when you're dealing with growth

it's worth it to pay up for a company siltill accelerating. once the momentum stock starts to slow down it can shrink for ages before it bottoms and most people's patients can't hold out that long. mohammed in texas. >> how's it going. >> all right. how about you? what's up. >> oh my question is i am a new college graduate from college for a year now and been in the work force and i have been invest in my 401k and outside brokerage account and i was wondering how i should partition my investment in each account and what my invest partitioning should be in bonds and stocks. >> okay. no bonds, all right? in the 20s -- congratulations for graduating. when you're in that age, here's what you do. you have to pay down your loans obviously but you need to be in growth, growth growth. you got your whole life ahead of you. you can always make the money

back with your paycheck. the discipline of a new diversified portfolio trumps where you believe the market could be headed. you need a fast grower. preferably a secular growth stock. stay with cramer.

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>> tonight i'm focussing on different types of stocks. i can show you how to put together a portfolio diversified by strategy. a tool box was something that can work in any and every market no matter how tough. so far i talked about dividends and growth. what else is a truly balanced portd portfolio. how about something to keep you interested? you always want to own something speculative. even though it's the dirtiest one in america. not only is it okay for you to own these tempting risky broken seaming stocks that trade in the single digits it's a necessity as long as you follow my rules and speculate wisely.

a huge amount of upside as things break your way. many stocks trade at high dollar levels. it is one that will have you bored with your money and surrender to people that only care about taking your fees or making so frankly you're just not focused enough to do what's right with the rest of your stocks. now speculation doesn't just keep you interested when you do it wisely with the right rules and disciplines. these stocks can generate at enormous gains. they're almost unheard of in the stocks of larger well liked and of course well-known companies that are often deemed safe. did you know at one point in the 1980s stocks like home depot and comcast were considered to be ultra speculative stocks.

you can see some of them. i detail them with real money. it's to researchers that came on to my hedge fund the old days. that's a fund i retired from more than a dozen years ago. when done wrong swimming in under $10 waters can also lead to truly gut wrenching losses so understand that i am not glosses over the risks here. how do you identify the winners and avoid the losers. there's two kinds of stocks that trade. there's companies abandoned and left for dead and the relatively unknown stocks of companies. in both cases you get an enormous edge. the kind virtually impossible to have. simply because so many of the big boys won't tough any stock that trades under $5.

you're benefitting from classic mispricing created by overly passive money managers. they don't want to own single digit stocks. they think these are too dangerous. they're afraid they'll be questioned by the clients about why they own this junk. about why they risk money foolishly when there's so many safer stocks out there. these money managers fear the down side of stocks that look broken. i'm talking about stocks like splint which we identified at $2. riteaid by 3. because the ramifications of owning single digit stocks as so many do. you don't have any looking over your shoulders to put pressure on you not to buy these stocks. how do we find them? that's often an important part of the equation because sprint had so much debt. the bond buyers considered these instruments investable and worthy and we bet what these bond holders saw would trickle

down to the common stock. that's what happened. we saw the changes in merchandise. we understood that remodelled stores were doing better than the older ones and we saw howell thr were doing with private levels and all came together with a successful speck. you can buy stocks at terrific prices since so many big boys won't go near them. i don't like it at 4 but wait and be at 8? deals like these don't come around every day though. more often we speculate the stocks of tiny companies most people never heard of and with them we're not trying to catch a turn around. we're trying to look for sectors that seem like they can capture the imagination of the crowd. the next hot fad will sweep through the wall street fashion show. sometimes but not always the fad will be backed up by genuine earnings power which is is what we saw with the little companies that make cell phone components in 2009 and 2010.

we saw it again. we got big pharma company or fda approvals from the drugs. these speculative situations do have a life cycle of a may fly so the trick is first always remember to lock in your profits when you have them so don't get burned when interest wanes. cut some of it down. second, your losses those you have to cut before they become too large. that's the essence of stupid speculation. for instance we said that we liked a tech and a bio tech for trades when we did thelda on

speculation fridays. when lightning struck we said take all the gains please. they subsequently cratered and we never looked back although callers said you loved it. the bottom line you need to own something speculative. something that will help you potentially rack up huge dpangains. lots of stocks started speculations. it could be a trickle waiting to happen. "mad money" is back after the break.

all night i have been preaching and teaching trying to show you how to build portfolio stocks that can work in virtually any and every type of market from the bears to a euphoric running of the bulls. you'll always own something right for the moment by following what i have been calling the new diversification. when i came one the idea i said you should always have foreign exposure to your portfolio but given how the relentless multiyear mess in europe the on going slow down in china and the emerging markets getting crushed repeatedly and frequently i think we got to do a little refining of the concept. what you really need is a stock in a safe geography. then you need something international and not just something that does business overseas. i'm talking about a company based in the foreign country.

at those moments being exposed to the rest of the world can be dangerous. what do i mean by the concept of domestic security? anything usa all the way. you can own a phone company like att or verizon. you can pick a regional national restaurant chain like popeyes louisiana kitchen with a little overseas exposure. and dollar store. macy's isn't overseas. home depot pulled back and how about a real estate investment trust. a tanger factory outlet or you can just own the real estate investment to get exposure to the whole group. at times of international turmoil this should be filled by something. at times of domestic turmoil when the rest of the world is in much better shape than where we were at the financial crisis you do want to own a foreign company. always own a stock that's from a safe geography. sometimes that means a foreign company and sometimes it means

it's all american and believe me i think you're going to want to go domestic at least for the foreseeable future. "mad money," it's back after the break. when you do business everywhere, the challenges of keeping everyone working together can quickly become the only thing you think about. that's where at&t can help. at&t has the tools and the network you need to make working as one easier than ever. virtually anywhere.

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all night i have been talking about the new diversification. a way to diversify by strategy. not necessarily by stocks so you can thrive in any market. last but not least you need gold. gold has a special property one

that makes this to any diversified portfolio. it's way too much. i think the 10% is the upper limit because i consider gold as an insurance policy and no worth while insurance policy should be 20% of the money you invested. why do i like gold? gold tends to go up when everything else goes down. it's your insurance against economic and geopolitical chaos and uncertainty and deflation. it can cause stocks to decline but also cause the price of gold to rise. you wouldn't own a home without homeowners insurance or a car without car insurance. owning gold is not about the upside though. it can be considerable. it's about minimizing your risk to the down side. at any given moment there would be a whole host of factors that

are, you know there will be sectors from international minerals that will out perform gold but none of them work like an insurance policy. how should you own gold? it's called the spider gold shares. mostly people know it as the gob which owns the metal and tracks the price. you can also potentially call your broker and buy boullion. the fiscal balls of gold. that only makes sense for investors that have money and can afford to buy gold in bulk. what about the gold miners? if you pick the right company, one with low costs it can outperform for a period of time. it's not going to trade lock step with the commodity and the same things that make gold valuable here.

they have debts and costs and management teams that can and often make mistakes as i know too well. virtually every time i have gotten behind a gold stock i have been burned. they have shutdowns at mines, start up issues delays higher than expected cash costs. things just seem to go wrong and the stocks get hammered even if gold goes up in value so i gave up on the entire group and decided to stick with the gld or fiscal commodity. the bottom line if you want exposure to gold and you not only want it you need it it's your portfolio insurance policy and everybody should have some. then you should just do the easy thing and own gold through the gld. not some gold miner that's only loosely connected to the price of the underlying commodity. stick with cramer.

at a ally bank no branches equals great rates. it's a fact. kind of like shopping hungry equals overshopping.

at ally bank no branches equals great rates. it's a fact. kind of like mute buttons equal danger. ...that sound good? not being on this phone call sounds good. it's not muted. was that you jason? it was geoffrey! it was jason. it could've been brenda. >> there you have it. i like to say there's always a bull market somewhere. i promise to try to find it for you here on "mad money." i'm jim cramer. see you next time.

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