who's dan? just kidding hi, dan. >> energy stocks next week if they don't turn next week, they ain't turning >> looks like our time has expired. thanks for watching. for more, check out the website. have great long labor day weekend. "mad money" starts now starts right now 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. i'm just trying to make you some money. my job is not just to entertain but to educate and teach you so call me at 1-800-743-cnbc or tweet me @jimcramer. when is a loss a good loss when is it a bad loss? what makes for a strong

investment versus a weak one and what happens when the facts change tonight, i'm going to show you in real terms what can go right and what can go wrong. because i want to teach you how to learn from both my wins and my mistakes so you can replicate the wins at home but avoid the losses these are all taken from real life investments made with my charitable trust, where we document every trade in realtime so we know what went through the minds of both jack moore, our researcher, and myself contemporaneously as we tell you what we would do before we pull any trigger. so often we're restricted because if i mention a stock on air, the trust is frozen and can't take action. but we can tell you what the trust would have done. so the trust can't do as well as you might be able to do from the

bulletins, but these lessons we learn tonight encompass all the moves we could have made and did make i'll spare you the details, but i wanted to fill you in on the misjudgments that lead to losses and the correct thinking that leads to gains [ applause ] first, let me describe the process which my charitable trust works. i set it up as a way to keep my hand in the stock market, even as my contract wouldn't let me own or trade stocks so i could do the show free of any conflicts. it's designed any profits, whether from capital gains or dividends, go to charity, enabling me to give away $2.5 million since we started it's had many co-portfolio managers and we've always worked hard together where decisions are made where the research director and stephanie lee, now a portfolio manager at tai, and

still a regular on "closing bell." at all times we try to run a diversified portfolio, seeking out the best ideas or value, income, and growth we divide the portfolio into these segments and rank the stocks so members who subscribe can pick among the stocks for their needs. i always liked the idea. i didn't give up the lucrative world of hedge funds where i managed to gain 24% per year versus 8% from the s&p for a less world for the sake of pain and suffering. i wanted to show you how real portfolio managers think, with abopen hand when they make decisions. you can see how the sausage is made i like the way these money managers present themselves on television when i see them on tv, they never seem to make any distamiss

or do anything wrong that's just plain unrealistic. you go a step further, i think they're a mock profession. it's very discouraging it's led to make you believe you at home could never do things right, so you might as well give your money to an index fund. of the many misconceptions, the wrong is that i don't favor index funds. i've said all of your investing should begin with index funds because i'm in favor of diversification. but i am a firm believer and always will be that if people want to own individual stocks, and they still do, although in decreasing numbers each year, they should have the tools they need to help them and they need to understand for what makes a good stock versus a bad one. why would you ever want to own an individual stock? because if you use a fund that mirrors an index, you're accepting the mediocre portion of the index along with the good portion.

plus, you often have insights that are useful in investing, and they can be parlayed into excellent decisions. this didn't used to be such a radical idea the notion that individuals should own individual stocks has only come into prominence in the last decade and a half. they come on with all sorts of statistics about how few portfolios ever beat the benchmarks but they never seem to be able to put a nail in the coffin of individual investors and pick stocks of their own liking they can't refute that it's a terrific thing to do, and be able to choose when you want to pay your taxes by selling or not. they don't extol the virtues of not having to report to other investors. that's why i said that the industry of money management does you such a disservice on television, because the combination of their seeming

perfection coupled with the debasing of your own abilities is a toxic crew for do it yourselfers, even if so many brokerage houses extol your chances that leads to positive conclusion recently, we've taken a much more club approach, kind of a membership where we can go to forums to help each other with ideas. do we have any empirical evidence that individual investing works beyond my own record as a professional is it all arrogance to think that you can do it yourself and you shouldn't send your money to someone who is either knowledgeable or won't talk to you or is lacking in knowledge as has a handbook of answers, or for that matter is just a machine? when i worked at goldman sachs, i was astonished at how often they crushed the market. simply by looking at companies and making decisions based on

how those companies and management might do. that was a time when there was far, far less information that we have about companies. sure, information is more perfect these days, meaning that everyone has equal access to it. not just people that could roam around the library i watched people clobber the market regularly, and i've always resented those who tell you that you can't do it yourself i saw it with my open eyes doesn't it bother you that you're told that you're a fool and idiot if you try to manage your own money it's like going to home depot, asking a question among the orange apron sales people and being told sorry, that's not for the do it yourselfers. i would find that to be stupid and arrogant you should feel the same way about those who tell you that you can't do it yourself the home depot aren't trying to

get your money from you, but the people that denigratethose tha would love to do it for themselves are driven by the desire to get you to surrender your assets to them. these pros aren't just questioned about their motives, which would be quite rude. so they look like they're always acting in your best interest, and they might be most of the time, particularly if you don't have the time or ability to make sound judgments about stocks and bonds. but here's the bottom line say you do say you have the time and the inclination. say you have the desire to do it yourself let's say you want to save money, not pay a percentage of your assets to someone who may not be better than you are when that percentage can add up to big numbers over time. then you know what this show, tonight's show, it's for you. beth in connecticut, beth. >> caller: jim, for my i.r.a., i have a 15-year time horizon. is it okay to be all in a

diversified stock portfolio, like the s&p 500 ndex? >> yes absolutely that's exactly beth, what i would recommend. that's a great way to handle it, and i think that's what you should do. nick in arizona, nick. >> caller: jim, boo-yah. >> boo-yah >> caller: so i just had a question about with all the recent mergers and acquisitions going on, how does one maybe try to look for the next possible acquisition or how do you position yourself to make money on that? >> you tend to look at the sector and see when there is sector activity like in the food group. you look at the ones that seem to have -- don't have enough band width to be bigger and someone else could gobble them up and raise their numbers that's the pattern i've used over multiple years. ben in florida, ben. >> caller: hey, jim, thank you very much for everything you do. i listen to your podcast every

morning on the way to work >> thank you >> caller: i just have a quick question i called before and you blessed my diversified portfolio now i need some help trading around a position. >> caller: lo >> i don't want to take any off. a stock goes down say 20%, i buy back the stock it's in a bunch of my books. these days for action alerts, i'm discouraging a lot of trading. i don't want too much trading because the trust doesn't want to incur the fees. but if the market has a big spurt up and your stock went up with it, to take a little off the table. ready to take your financial futcher into your own hands? tonight's show is for you. i have the lessons you need to know to get ready to do it plenty more "mad money" ahead. you've heard me say the biotechs can be a great place for speculation, but there's four rules you need to know and it's one of the worst

possible actions you can take when it comes to your money. i've made it myself and now i want to help you avoid it. find out if you're at risk and my cautionary comments when it comes to investing in commodities. so stay with cramer. >> don't miss a second of "mad money. follow @jimcramer at 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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♪ this show tonight is all about learning from my mistakes, and from what i got right, from my charitable trust. we're starting from the proposition that you do want to do it yourself, meaning manage your own money what i would hope you do with this show is help yourself to try to figure out if you can actually do it on your own, or maybe it's just too difficult and you have to send it to someone else that's okay, no sin. i wanted to start with a classic mistake, the choice of stock in the company itself lesson one has to do in investing in drug stocks it's sobering for anyone trying to profit from pharmaceutical innovation find companies that have breakthrough medicine that would something in the pipeline. that's what drug stock investing

is about the idea of this kind of investing came about after something happened to me in the '80s merck, at the time the greatest pharmaceutical company in the world because of its reputation for new drugs, while constantly improving on old ones, pioneered work with the harvard medical school that showed a link between heart attacks and cholesterol. the company called a cholesterol lowering agency. but wall street was skeptical of the linkage and category, so it was considered to be an unimportant new drug little did they know that statins would become the greatest selling class of drugs in history i can recall merck doubling when the sales came through and since i've been hooking for the next drug from a pharmaceutical company that has.

what you want to avoid is a company with one or two drugs in the pipeline that may not be approved some day by the fda i've had tremendous success isolating these companies, the good ones, whether it be bristol-myers from its breakthrough cancer therapy, or celgene with its exploitation of the blood gene it's one of the most important kinds of stories you can own and you should always be on the lookout before the breakout. my research director jack moore and i have found two situations that fit the rubric. now, there are a couple of things you need to know about alzheimer's. millions on millions suffer and will suffer from it. second, there is no serious treatment that can hold the

disease off or maintain it third, many have tried and failed to find a cure. but fourth and more important, if you have a medicine that can reverse brain plaque, it would be the biggest drug in the history of all-time. billions at stake. the company that's had the best success so far is eli lily, the indianapolis giant we've gone to hear them several times over the years, as they reported on the progress of the drug we selected it for the charitable trust knowing they have many other irons in the fire in other words, when we purchased the stock in the high 70s, we had hopes it would reveal data points that showed some success in its battle against alzheimer's. but in the past few times, we detected a prolonged set of obstacles. when lily spoke not long ago, we sensed less optimism on the drug's success the stock dropped to the low 70s

after the presentation of some of the findings of the drug. out of frustration, the trust sold eli lily, not happy with how long it would take for this alzheimer's scenario would play out. first, we were dead right to be sure we had the upside of the other drugs, the reputation of the firm and the good dividend it allowed the stock to bottom and that dividend contained our loss so lesson one, if you're going to speculate, make sure there's something to fall back on. the stock bounced back when prospects were better than we thought and they didn't discontinue the work on the alzheimer's drug that meant the stock bounced hard and bounced hard after we sold it. so your take away, if you didn't have homework to know they had enough in the pipeline away from the drug, you didn't need to sell the stock when this one drug didn't pan out.

at the very least, you could have waited for more of a once and sold it at a higher level. surprised that we did this big mistake by me. third lesson, the time to buy a stock is after people have given up on it, but before the trials are discontinued, which often happens. that's when expectations are at the lowest we tooka swing when people wer excited about the prospect with t the anti-alzheimer's company the investor event where it was talked about first, the one that intrigued was, was very well attended we were far from alone when we bought the stock, so therefore we paid too much for the trust it was far better to wait when it wasn't top of line for investors. that would have been a few weeks after the meeting. fourth and finally, when you invest in a drug company going after an intractable disease

like alzheimer's, be more skeptical than you would be with a disease easier to treat. this happened with biogen, too so many companies have failed trying to treat alzheimer's, that it's too arrogant you're on the right path with any company's research department. so when you invest in a company with a potentially cure for an intractable illness, make sure that the company you're investing in has multiple drugs away from it in the pipeline and a good balance sheet second, if the drug doesn't initially work but it's not written off, expect a bounce a better time to sell. third, don't buy the stock when there's still a ton of hoopla out there. wait until the fuss dies down. and when you have a drug company up against a difficult disease, please be more skeptical there is a reason others fail. it's an incredibly difficult

problem to solve the company you hike might fail, too. now you've got the rules to help you invest still more "mad money" ahead i'll help you avoid a rookie mistake that plagues many investors, even me the truth about investing commodities, it could cost you dearly in your portfolio and it's time to take on my biggest challenge of all, your tweets i'm answering the questions you've been sending. stay with cramer

♪ we're drowning in information. where, in all of this, is the stuff that matters? the stakes are so high, your finances, your future. how do you solve this? you don't.

you partner with a firm that advises governments and the fortune 500, and, can deliver insight person to person, on what matters to you. morgan stanley.

♪ tonight, i'm teaching you the difference between right and wrong. sounds like a tall order, when i say right versus wrong, i mean what's as far as versus what's done in the context of investing. and in the admittedly limited world of the stock market, right is whatever makes you money without breaking the law while wrong is whatever loses you money. as an investor, it's the easiest thing to tell the difference after the fact but it's much harder to get things right in the moment when

you're trying your best to predict how thing also play out in the future. that's why i want to educate you by looking at some of the moves made by my charitable trust. not to mention telling you what we would like to do in an ideal world if the trust trades with restrictions because of the show, restrictions you don't have as a regular investor these give us a glimpse into how we were thinking at the seem contemporaneously, we meaning jack moore and i, which allows us to learn from our moves and make judgments about what we were doing at that moment that was so darn wrong. you can afford to be patient with a well researched idea that you like you don't have to dump the stock if it doesn't work out you don't have clients breathing down your neck if you're not

manging them angry quarter after quarter, even day after day. you can take your time waiting for a terrific story to play out itself you don't have to be so hard on yourself but it's a big mistake to forget that fact, something we did when the charitable trust bought tyson foods in the $40 change in 2014 jack had done a considerable amount of homework on tyson, in the process of transforming itself, becoming more of a proprietary food company which you might recommend as the maker of ballpark franks and jimmy dean sausage shareholders would pay more for the stock because it would have a stronger earnings streak now it would trade as a

full-line food company that would allow it to charge more for its merchandise regardless of the price of the raw food stuff. plus, we believed the synergies between the two companies would become more evidenced and the numbers would go higher than the consensus, meaning that what the analysts who followed the company were expecting the company would earn what it reported but the merger came together more slowly than we anticipated. the result, when tyson reported the street was disappointed. and instead of raising the numbers as we're so used so after these deals, the numbers were cut i didn't see us as being early, i saw us as being wrong. and we told subscribers that we had screwed up so when we had the charitable trust cut its losses in tyson, they were small. but the next quarter, we saw the gains and synergies and tyson

never looked back and gained 50% from where we sold it. our mistake. we had faith the situation would work out in the end, but we didn't have faith in our own homework we were too skeptical and the charitable trust missed out on a huge win the right move was buy more, not cut and run. if we didn't already have a position in tyson, probably would have taken one there was no reason to take the action other than our own disgust. that's never enough to justify disvaluing when it ended up being a terrific payoff. how about this one this was a doozy starwood hotels. we came to love the work of the former ceo he was a frequent guest on "mad money. what we didn't know is that fritz had a shareholder base unhappy with his progress, even

if we thought the world of him when the company dismissed him, the stock fell not long after the stock took off on a takeover rumor from a chinese hotel chain. but then starwood dropped back to the mid 60s we had got a takeover bid from marriott and the stock fell on the news in fact, it kept going lower as it reacted to the faltering world traveler we weren't sure what the ted cruz to do, so we decided to hold on to it until the pain was too great and tell to the 50s. when we get a bid, i like to ring the register, but i thought the stock had to go higher, not lower. that was a bad judgment. however, we ruled out the

possibility that another buyer, who would like starwood in the 70s, would still like it now that it had fallen to the 50s. so when the stock moved back to the 60s, wow, boom, we booted it big loss mistake number two, a chinese hotelier came in and watched a bid. marriott and the chinese firm got into a bidding war and we were left with $15 on the table after the loss we should have been patient enough for something good to happen we believed in the synergy between marriott and starwood. we were stuck with what seemed like a failed combination where marriott had stolen starwood we could have bought more, which would have been a terrific idea. we failed to do so or we could have bailed. that would have made sense

but we didn't do it. or we could have just held starwood and stayed patient. we didn't do any of those things we took our bat and ball and we went home. worst possible choice. so don't act on emotion, don't go against your homework, if you think a stock deserves to go higher because of a takeover or anything else that would produce a great gain, then wait. no one is looking. you can afford to be patient don't give up on your best ideas before they have time to pan out, and don't give up on yourself eric in texas, eric. >> caller: mr. cramer, a big san antonio boo-yah to ya. i have 50 stocks in my portfolio, all dividend payers they yield less than 2.25% can you please tell me what other metric i can use to ensure my dividends are safe. >> it's a very indepth analysis of how to calculate the cash

flow, which is more important than the earnings per share when you try to figure out if the dividend is safe tom in new jersey, tom >> caller: hey, jim. thanks for taking my call. >> sure. >> caller: a week or so ago, you mentioned that you got a portfolio of about $10,000 of a basket of stocks of about five stocks >> right >> caller: if that portfolio grows with the help of mad money to like $100,000 or even a million, what would be the number of stocks that you would suggest to be comfortable with >> what the problem is, to really follow a lot of fstocks, and we follow a lot of them for action alert, most people have a hard time following more than ten stocks that's the max i would tell you. and that's after many years of looking into this. right and wrong, any investor can be tougher than black and

white. but when you rely instead on the homework that you've done, i bet you'll have positive results much more "mad money" ahead, including what you must know before investing in energy stocks then you know i always tell you to lock in profits but there are times when sell kg be wrong. and this is the most interactive show on the show for a reason. your tweets are coming up. so stay with cramer. your brain is an amazing thing. but as you get older, it naturally begins to change, causing a lack of sharpness, or even trouble with recall. thankfully, the breakthrough in prevagen helps your brain and actually improves memory. the secret is an ingredient originally discovered... in jellyfish. in clinical trials, prevagen has been shown to improve short-term memory.

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♪ welcome back tonight, we're learning lessons from my charitable trust, both the good and the bad, so you can be a wetter do it yourself investor let's look back at costly mistakes i made when the oil peaked in 2014 through the bottom in 2016 there are so many mistakes here, it might take a whole segment. when you're investing in commodities, you must recognize it doesn't matter which one you hide in. when the underlying commodity gets hit, they're all going lower. i've tried to buck this principle by adopting a high growth, deep value strategy,

where the charitable trust bought the highest quality company, which was eog, and the one i thought had the most takeover hopes marathon oil i was wrong on both counts >> the house of pain >> first, even as eog had the best properties, including amazing ones in the permian basis, ones that made money in the 30s, nobody cared. no one cared that eog might have been better or worst than the others every one of these oil stocks, with the exception of exxonmobil, had spent too much money. marathon was worse, though here's a company that decided to split off its refining and marketing divisions from its exploration and production business, in what amounted to the top of the cycle in crude. without that refining cushion, marathon was about as vulnerable as any of the cash strapped

independents we saw the stock plummet et to the high teens before we fortunately, we avoided where the company went down to $7. unfortunately, the trust took a major loss but we had had some foresight when it came to the combination ofkendrick morgan, deciding we had been greedy in not ringing the register even though i had written him up as brilliant, he was the first major ceo to slash distribution. which effectively revealed how kinder morgan had much more than toll road exposure that should have been a sign that the group had become unstable and their yields were unsafe, even though he changed his company to a c-corps but after examining the group,

we went right back in and bought ctp. not long after the stock spike, and i was able to off load a considerable part of the trust position, as oil plunged, they plunged with it. even though it had a big yield while we only battled it by some low and then sell it higher, it was not one of the trust's finer moments. the moral, don't think that you can outrun a commodity grim reaper and there's no such thing as a toll road that you don't have to worry about, even though i thought there were, regardless of the price of oil. if oil goes down, something does happen companies don't pump enough, and if they don't pump, they can't pay the pipeline companies or they don't need them all right, something good. one of the hallmarks of the charitable trust is that we let the best ones ride

we don't take short-term gains on winners when we think they're worth a great deal more. but there are times when our stocks rally so far that we do have to take action. that was the case with a 50% gain that we had in starbuck's stock. the stock sold for more than 30 times earnings, and growth was about 17%. you can pay up to twice the growth rate before you get overvalued but we felt that this run had happened too far, too fast and it began to attract sellers at the first sign of any lagging growth so we decided to ring the register starbuck's reported a deceleration in china and the united states. nothing really all that bad to the naked eye, but the stock fell and fell hard, losing more than ten points instantly. at those levels it was no locker position, so we started

rebuilding the position. finally, there's the stock we bought for the charitable trust back in the low 80s because we liked the changes being made but we recognized the company wanted to do more acquisitions in 2015, walgreen's announced the acquisition of rite aid. i had faith that this deal would gothrough quickly. so we sold as much as we could before the stock started coming down oh, man, did it come down. i only wish we had had the same foresight with regard to allergen during sizer's aborted takeover for the company a part pharmaceutical company

was being brought by pfizer for $360 a share while the stock didn't trade that high, it climbed to the low 300s the government issued regulations regarding these tax inversion deals, regulations the companies had followed closely the two companies crafted the deal to meet the terms laid out by treasury. but then the government changed the rules, making it so this specific deal was spiked i didn't see it coming and andlergen shed 100 pointed i trusted the government to see its word i didn't see it coming in an era where deals have been killed left and right, with the most activist anti-trust department in 50 years, i don't think there's necessarily a reason to believe that any deal is going to be a given going through, especially one that is

now politically unpopular. yeah, i trusted the government to keep its word meanwhile, the government claimed there was no word offered, and they were acting as rogues that's simply not true the government changed the goal posts. but if i knew nuf to take profits, why didn't i know it would be too dangerous to hold out for the merger simple answer, i was greedy, and the bottom line is that this business, greed is just plain bad, and don't let anyone on or off screen tell you otherwise. "mad money" is back after the break.

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♪ i've been talking about what you can learn from the mistakes i've made rubbing my charitable trust.

but now let's talk about what you can take away from very specific wins that did defy the odds in investing. the first is facebook. hard to remember when facebook was considered failing to live up to its potential. but this stock was seen as a loser the first year i was confused how a bunch of smart people have been so baffled in this change how we consumed information but i'm huge reader of conference caltrans crypt-- cal transcripts. as the company made a switch, you could tell the advertisers were flocking to it. but so many were in no mood to listen to the positive story given we didn't feel scorn, we

weren't down, we bought facebook for the charitable trust in the mid 20s. how were we able to hang on? each quarter showed such an improvement in the numbers, you were simply paying the same amount of bigger earnings growth then there's pinera bread. the ceo has come on "mad money" to talk about all the flaws in the chain, a place i love and order from but the lines were too long and you were standing in a mosh pit as you awaited your order. he said he was going to change all that when the restaurant chain decides to do a makeover, it tests things out in one city if if it's successful in one part of the country, it will work in other parts, too

sure enough, the rollout was a smash hit and the stock had a great run of over $200 finally, there's apple i know there have been billions of blog entries and pieces on television how apple is doing. and since the death of steve jobs, whether it's deteriorated. so many people believe that the best ways are behind it. i see apple as reinventing itself i see the iphone franchise as not being as global as it could be and i see tim cook spending on research and development that i bet will pan out there seems to be an inherent bias against the stock that stems from apple's own past success. just because the service stream which surnltly comes from the fees used to back up your pictures in the cloud seem like

they're back door into a service revenue stream doesn't mean they should be dismissed. the service revenue stream is going to transnoform apple into something bigger when apple stalls, wall street gets frustrated. you can't afford to take the long view if they bolster the service street, which would offset any margin issues the bottom line, solid growth stories are hard to come by. when you find them, hang on to them for the ride. don't switch out into interior merchandise out of frustration or boredom stick with cramer.

♪ time to take some questions

from the smartest viewers in television if you got one from me, send it over @ jimcramer here is one that asks what advice would you give to someone wanting to day trade my advice is, unless you want to quit your job and stair at your screen, do not do it it's way too dangerous and even then, i don't think people will have enough edge in these days the market is too thin to do well and the algorithms are in charge so don't do it next we have a tweet here. jim, what should i read after i finish "confessions of a street addict?" well, i want you to read "one up on" by peter lynch it will get you involved how what you see can turn into what money you can make coming up, a tweet here that asking me about my garden. do you start your plants or

seeds? on my way out to get stuff for a garden i do a mixture i like to buy some seeds, particularly for radishes and oranges, but -- or for carrots also for some tomatoes and definitely be lly beans look at that nice-looking guy but here's the thing when it comes to tomatoes that i get from home depot, i've had fabulous success so my flats do work better but i want to thank my camera people, like frac, who gave me some good seeds that work very well that's frac. he gave me seeds i'm not kidding. he did and i thank him now we have a tweet who writes thank you for being so nice to my friends visiting the city you made their way i always tell people i'm so honored that i have a show and they bother to even watch it so yes, if you come up and want

to take your picture with me, i'm more than happy to do it people are always amazed, what a nice guy am i supposed to be a mean guy i'm an older guy, taking a picture with george clooney in some mooney about money. anybody see that next up is a tweet that says, thoughts on trend of some restaurants charging more, and banning tips from my small mexican restaurant, if you ban the tips, you ban the good people from working there. and that's not the way to maintain an establishment. so why don't you stick with cramer

i like to say there's always a bull market somewhere, and i promise to find it for you right here on "mad money." i'm jim cramer, and i'll see you next time.

narrator: in this episode of "american greed"... in detroit's troubled public schools... there's gold in pencils, paper, and desks. especially for people like norman shy, who know how to rig the system, pocketing millions. rubin: norman shy was living lavishly even by the standards of most wealthy people -- swimming pools, a two-story library. some irony there, a two-story library from a guy who steals from school kids who can't afford books. narrator: and later, in an online invasion, romance scammers are stealing millions of dollars from unsuspecting americans, posing as u.s. soldiers. you would never expect somebody from the military to scam you.