buying the stock. >> daniel thanathan. >> i didn't mean to sound so confident with the bank stocks or with any certainty things will go the way it did but it seems like an easy one. >> it's kind of scary, your lead-up to that trade. >> it was scary. >> all sorts of ar tscedhere. >> gloom and dom. >> that does it for us here on "options action. "mad money" 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 my job is not just to educate, but to teach call me at numb numb 1-800-cnbc. maybe all of the headlines i'm

seeing are crazed numbers of a healthy mind then i realize, no, this is reality. what else can you say when the top business story of the day revolves around jeff bezos accusing the national inquirer of black mailing him with some not so tasteful news this was a dramatic day with the averages opening down before making a comeback. dow shedding 63 points s&p inched up. big rally at the close this bezos thing has been all they've been talking about i've got to tell you, it's the last thing i want to wait for. i've got to say, i was surprised that the ceo of amazon landed hi himself in such an awkward position i do not care what jeff bezos does in his personal life. this episode makes me worry about the guy's judgment the stock failed to rally like

so many other tech names that did in the close it finished off 26 bucks trust me when i said this stock would have moved up sharply if not for the startling revelations counter punching and ill-advised moves that it looks like mr. bezos made before the triggered all of this hoopla with that out of the way, i had to get it out of the way, hopefully we'll never speak of this again so let's move on monday morning we hear from restaurants. that's the company that owns burger king. popeyes. i talk about mcdonald's all the time here. i rarely give burger king its due. right now i think restaurant brands represents a better value. it's incredibly well run let's hear what they have to say. i like what they're doing with pot pies they hold an analyst meeting on monday both csx and union pacific have adopted a form of train rally

called precision railroading they have something similar up its sleeve that should allow them to war like the other rails that group is terrific i think that group is terrific >> all aboard. >> as much as i like this company, nike has a better story to tell. i went to the nike store on fifth avenue you can sign your own shoes. it's under armour's bad luck that they compete against one of the best run businesses on earth. kevin plank will do a great job. geez, to compete against nike. we also hear from molson coors i don't expect very much here. i think the cannabis stocks could be in play the company understands it may need to take a bigger plunge into the marijuana market. the canadian cannabis stock started to rollover but the fact is they are really serving as beer replacement in a lot of states after the close we get results from one of the healthier of the oil companies and that's

occidental that's where the money is. that said, i like b.p. more if you want to own an oil because it has a higher 5.8% yield that's a full percentage point above it with oil looking like it's going back to the 40s, you need some yield protection i've got to tell you something, i wanted to add this is something i start writing the speech earlier last week working this weekend i was going to tell people this is it. this is in the bullpen for the travel trust it's time to buy twillio it represents the best growth stock in tech but obviously i'm not alone. the cloud-based platform including airbnb and lyft reports on tuesday and the stock is running right up into what we call the print gained more than 4 points today alone. it was never down even during when all the semis were down and all the techs, it never went down i want this stock to be lower to buy but i bet the quarter is a

legit blowout. this darn thing is a horse many investors are concerned about the video game industry. it wasn't as insanely positive as some people had hoped for then today the newly released battle royale game suddenly has 10 million followers overnight virtually overnight. the stock screams hard was there something similar positive after the close acti activision stock is down i like the gold stocks here, as you know even if the price of gold has been stalled as the dollar is getting higher barrett gold reports wednesday morning. this company was formed with the combination of the old baron withrand gold. mark bristol of rand gold fame delivers an excellent quarter. cisco, this morning on squawk,

pretty darn good at the pebble beach thing, he'll have a fine quarter. i am concerned about the forecast so many hedge fund managers have this one it's called a crowded long see if cisco pulls back. that might be your buying opportunity. chuck has a long-term plan coca-cola, long term plans, reports on thursday morning. i'm expecting one more strong quarter from james quincey who's done a fabulous job. only a strong dollar could impede what i expect a mid single digit worldwide growth. i hope he mentions topo chico. he can't keep the stuff in stock. i bet you it's a worldwide hit after the close we hear from applied materials and nvidia not that long ago nvidia announced a bad quarter.

nvidia's major exposure in china has some gaming issues it's caught up in a couple of negative themes. same goes for applied materials. we know they have had its share of hardship of late. i don't expect them. i expect an up beat appraisal even if there's no china deal. we're going on the clicking clock of china deals here. on friday pepsico reports. andrew noon is the former ceo. i will miss her who did such a fabulous job to stay current by offering good tasting and good for you items as well as great for you profits and dividends. i think pep will put up good numbers. i want to hear how the new ceo handles himself before i make a judgment i'm so used to the great calls that she gave us which were also, by the way, educational and not just about business. all right. we also get results from deere

i bet we'll get results from this great manufacturer that we will like. demand is very strong for farm equipment. right now that means deere stock is poised to go higher only a lack of resolution keeps me from being more aggressive. can newell brands delever? it's been a very tough road. a lot of these jardin properties turn out to be more expensive. given how many moving parts there are and how much they're still for sale in the portfolio, i think it's still too risky to buy newell ahead of the quarter. bottom line, we're now at the tail end of earnings season. it's been a blast, at least until this past week when we got some iffy news about trade sadly, i bet we'll be on the same hook next week. if we had good trade vibes, well, these all go higher. look at that, isn't that great when i do that you can't see it oh, there it is.

i was using invisible ink initially. if we get bad trade vibes, guess what lower still. let's go to chris in mississippi. chris -- >> hey, jim. hope you're having a great birthday so far. >> it's my birthday weekend is the way i look at it happy birthday to bob barker, by the way. >> with four straight quarters of declining operational income, which is going to change first for ford, the management team or dividends? >> management team, the previous guys were nicer, so were the other guys the ownership of the ford family, they want to keep the dividend i think they need the cash to do other things i think it's dead money. i would say don't buy, don't buy. they have some real improvement to do was i'm going to use the word bad charlie in kentucky. charlie. >> jim, just want to say an early happy birthday, boo-yah. >> thank you, partner. what's going on? >> nothing much. i have a question.

i'm up about 35% on ge and i was wondering if the recent downturn is due to the trade talks or something else going on? >> let's take this very clear, okay this stock was pushed down way too low and then had a very big move up and then steve toos has been throwing it up 30% for a year been throwing a little cold water on it. it will go down another dollar, dollar and a half. larry culp is doing a good job if he's doing long term care, then it's close, close, close to -- and that's what we've been saying let's go to mike in florida. mike, mike, mike. >> jim, thank you for taking my call first, i want to just say that you are loved by many people and -- >> thank you. >> -- we rely on your understanding. >> you're very kind. >> we would be lost without you. >> nah, come on, man there's always another next man up. it's next man up in my business.

>> we would be lost sheep. >> thank you. >> you're our shepherd and we appreciate it. >> thank you. >> gilead. i've held gilead for a few years now and it's been pretty much of a disappointment despite the fact that they developed a cure for hepatitis c, the stock went up right after that but it's been on a downward course since then to the upper 60s and their fourth quarter, they missed on earnings and their guidance for 2019 was not inspiring and so really my question is is there any foreseeable catalyst >> yes, there is i'm so glad you put it that way. those kind words make me blush i come out here every day and i try to figure out why do i come out here every day because of people like mike in florida. mike, they've got a new ceo, daniel o'day that is the catalyst company's got a good balance sheet but it better do something with that cash because you're sitting on that cash and paying

a 3.7% yield that ain't working i put it in the same camp as abve and celgene we're getting near the end of earnings season. it's been a blast. try the luck here. "mad money" tonight. columbia sports wear is up 15% got some great brands. its influencers are real don't miss my exclusive. has the music dyed or is it time to pump up the volume on spotify. i'll give you my take on the company's up and down and up and down and up and down ipo self-driving tractors can sew the seeds. 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

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we have had a bunch of upsets this week earlier it was ralph lauren. today it was columbia sports wear it's focused on outer wear columbia, sorrell, mountain hardware it reported a blowout quarter. you know how long we've loved this company but this was something i didn't believe going into the session the stock was already up 10% today it rocketed another $14 to 15.6%. if you're thinking that might have been some quarter you're right they delivered a monster 40 cent earnings beat off $1.28. up 70% management raised their full years sales forecast pretty substantially which is what investors want to see. can the stock keep growing let's take a look with the

president and ceo. we'll learn more about this incredible quarter mr. boyle, welcome back to "mad money. >> hey, jim. thank you very much for asking me to join you today >> well, tim, i've got to tell you. we've been around talks to each other for a long time. there's no way you could have realized how great this quarter would be, right? i don't know how you had enough inventory. what a quarter >> well, you know, we spent a lot of time pinching ourselves for the last 90 days this has been terrific you know, as we've talked at length about the company, there were areas where we had under performed and so we collected all those kinds of activities that we knew we could improve on, put them into the basis of project connect and we really re-invested and re-invigorated the company. these are the results that we have honestly, it's good to have great weather globally for the brand be that sells a lot of

outer wear we sell way more than outer wear it's a terrific result of our great teams we have in place. >> there's a great part of the story where you talk about some of the endorsers, people you endorse, but i've got to tell you something, tim i've been following this adam buchanan and what you're doing with influencers that you're not paying there are loyalty to your brand that i find extraordinary. i spend a lot of time with the bogus influencers. you've got real people, right? >> well, we try to be real you know, that's -- you know, it's about having merchandise that works, that performs and people recognize that and real people recognize that. it's terrific. again, i can't say enough about the team that we've put in place to make this merchandise happen in the way we -- in the sales that have happened to date >> and you did something other than the colin kaepernick ad from nike which was extraordinary. you took an ad about the government shutdown and the

parks and i thought that was extraordinary. obviously, yes, you want people to -- look, we know we want people to camp out if we work at columbia, but we know you have a point of view about the way things should be run in this country, don't you >> yeah, we do you know, there's a number of areas that we've tried to raise our voice and we've been very fortunate that occasionally people listen, but it's -- you know, our business is about 40% outside the u.s. so not only the u.s. citizens enjoy our products, especially in national parks, but when we appear in stores around the world, people think of america what is more iconic about america than the national park systems and the fact that people can go outside and we just want to make sure people understand how important that is to the commerce in the united states and people's lives. >> i thought that was great. i also love the fact that even though you're talking about being in china, a lot of companies are very skittish about china.

not you even though the numbers haven't looked that good you're making a major emphasis >> well, you know, you've followed the company you know that in certain areas of the world we've underperformed and europe would be an example of where we've taken our lumps and gotten better, gotten better people and done better there. we're going to do the same in china. frankly, that's probably one of the largest geographies in the world where the company can be very successful. we've shown we can do it we need to get ourselves reorganized and have added some people and frankly that's going to be a big market for us. >> another area that people i think feel is a bit over saturated, $30 billion footwear market for columbia. is it really time for one more intern in that >> well, you know, we talk about this all the time in the company. nobody needs another brand of apparel or footwear. if we're going to be successful there, we have to differentiate ourselves. we have to figure out what we mean to footwear and what we

mean to users who are buying our stuff. what we think about is, you know, what would a hiking shoe and an athletic shoe if they spent the night in a box, what would come out of that and we hope that we have the right birth for a really important, powerful footwear line for the company. >> a bit of a shoe dog caveat. you could do product which is just as hot as lieu lieu you could do footwear and do sorrell. when you go to your meetings how do you pick where to put your next bet how do you decide which is the next one you want to be in >> well, it's -- as you mentioned, it's difficult. we have all of these opportunities and we have to really set ourselves strong priorities otherwise you could easily diffuse your efforts. so we spend a lot of time on roi, our board holds us responsible for a high level of roi so we use that as a portion

of the measurement in terms of where we're going to invest, but it's also a bit of, you know, black art in terms of where do we see white space that we can be really strong and we can make a difference and then at the end of the day it's about the product. consumers tell us, hey, we really like this we're going to buy more of those things. >> you guys are one honest brand. that's why people love you you're a great merchant. thanks so much to jim boyle. really good job. congratulations. >> thanks, jim. >> all right stick with cramer.

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sometimes the stock market can be a little slow on the uptake that's one reason there are so many misunderstood stocks out there. the trick is to view these situations as buying

opportunities. >> buy, buy, buy. >> rather than panicking because a company can't get the respect they think it deserves that does take discipline, doesn't it that's why i'm telling you to do your homework, so you don't get spooked when the market makes a mistake about a business that you like you want a textbook example? spotify. don't you love spotify i do the online streaming service has revolutionized the music industry i'm a giant fan of this, not just the product, the stock. since it started trading in april of last year i've been telling you, this is a good one. i recommended it two days after the direct listing when it was trading at $144 because i believed this was a great growth story. eventually spotify started growing. they're up to $199 then they went into the fourth quarter and the darn thing collapsed along with the rest of the market with the stock bottoming out at 103 on christmas eve. ouch by tuesday night the stock had

rebounded to 139 now here's where things get tricky on wednesday morning spotify reported what i believe was a pretty good quarter. but wall street was spooked by management's conservative guidance and it got slammed again sinking to 135, falling to 131 before recouping some of the losses today i think this is lunacy it's like the market doesn't know how to read the company in my view, spotify is on the right track. the narrative has gotten better. the stock is down 10 bucks over that same period quiz z quizzical. spotify is one of the rare handful of services that's an incredible bargain i never even look at the bill listing i like it so much. same as our restaurants. the company has 116 million

monthly active users that they make money off of by selling them ads and more importantly every single free user is a potential paid subscriber in the waiting. might upgrade. they already have 96 billion subs and that's growing like a weed spotify owns 90% of 10 cent music. this has been a great investment for them and for you in the stock. in short, the company has a lot going for them when spotify reported in july, the numbers were terrific. then the whole market plummeted off a cliff. at first spotify fell victim to the plummet but then november 1st they reported a quarter that scared even very good investors away it's important to get our heads around what went wrong in november if we want to understand what happened earlier this week. three months ago spotify delivered some strong quarterly numbers with higher than expected sales and a surprise profit the stock surged on the news the problem, management gave

cautious guidance. this was a dark time for the market where companies were being punished for anything less than absolutely perfect beats and raises what were people so worried about here a fellow was on today, anthony declamenti he downgraded spotify from outperform to in line. he slashed it from 210 to 155. he was concerned about the company's subscriber growth and operating forecast the stock keeps sinking until it bottoms with everybody else around christmas makes a major comeback in january. by the time the week rolled around it was at 30% basically back to where it was trading when it reported the last quarter on wednesday spotify delivered what some people call mixed quarter. i liked it while their sales came in a tiny bit, the cash flow was a little light. the gross margin what they make after the cost of goods sold was 120 basis points higher.

they delivered a surprise operating profit plus the user numbers were special spotify's total number active users was up 20% year over year. that's fabulous. we're a subscription economy they beat expectations i think the positives more than outweigh the negatives remember the downgrades? the analysts there, smart guy like i said, was worried about subscriber growth. those were all excellent spotify's subscriber growth accelerated. that's what we're looking for. why did the stock get slammed? because once again spotify gave that same conservative guidance pretty much across the board for the next quarter subscribers, sales, margins, profits. while the 40 year guidance for 2019 was better, they gave us a much better subscriber forecast. it came in weaker than wall street was hoping for. it was the forecast.

when you report a perfect quarter, the stock is going to get slammed. that's exactly what happened to spotify. i think the sellers were missing a lot of context here. the context is something i like to talk about a lot and it's called upod. that's under -- look, they under promise. u. under promise and then they over deliver. that's the pod, man. the up and the od. drives me crazy. at this point the ceo have established a track record of giving cautious guidance, under promise, and then beating it, over delivering. they did it in november, too more importantly, spotify's subscriber growth, these forecasts look good to me. in short, the fundamental story is completely intact now we also have a fabulous catalyst on wednesday. alongside its result, remember, i thought they were good spotify told us that it's making a pair of acquisitions

gi mwit media and anchor that will help them become the premiere platform for podcasts, incredibly hot market. it's especially popular with hard to reach millennials. reminds me of hulu in that sense. on top of that, the company made it clear they're willing to spends 400 million, 500 million in additional deals. management clarified that its guidance included the cost of all of these intended deals. that put a very different spin on spotify's forecast for me because i'm looking at this closely, but not for many other people plus, i think these are great investments purely on their own merits spot 2i phi is the number two market and podcasts are good listen to this >> what we're seeing really is we've done podcasts now for about two years. it's -- our users are listening

to podcasts, are listening to platform almost twice as much and of course the growth in podcasts for ushas just been phenomenal an that's part of the reason why we're now making this move >> that sounds good to me. the bottom line, when spotify reported earlier this week, wall street seriously misread the company's guidance the sellers didn't seem to realize the forecast included the cost of some smart acquisitions and they don't give management enough credit for under promising and over delivering we are in a subscription economy, people. and it's mighty difficult to top this one >> buy, buy, buy steven in kansas steven >> good afternoon, jim big boo-yah to you happy birthday, i might add. >> oh, thank you >> from kansas. >> sunday's the big 4-0, my friend. >> congratulations. >> thank you >> i'm a long-time watcher and

now listener to the "mad money" podcast and the last three episodes you talked about cyber security i bought into sale point technologies, sa-a-i-l after the ipo last november at $14.50 a share. it includes open identity platforms, cloud-based identity, data access governance >> i like sail point i know it well i like opta more in that category that's todd mckinnon he's part of the salesforce tree of the people who have learned from, yes, mark ena. i'm going with that one. that's my fave tom in colorado. tom. >> cramer, boo-yah. >> boo-yah >> happy birthday, by the way. >> thank you very much >> what do you think about my stock is dropbox what do you think about that >> i like dropbox. every time we interview drew housen, i think this is a

poised, smart man doing many good things and yet the stock doesn't get the respect at 25. >> buy, buy, buy. >> box was good. i'm dropping on dropbox. i think spotify might be one of the most misunderstood that i've come across. you have to trust me on these subscription stories much more "mad money." agriculture is the oldest human industry i'm talking to one company that really is helping the sector shift gears. hey, driverless trucks then, driverless tractors. there are analysts from mars and there are companies from venus i'm telling you how the sun trust bbt merger could offer clues. and rapid fire, tonight's edition of the lightning round so stick with cramer

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i'm going to bring back a familiar face but one that's changed teams. i'm tubing about uberi uberis mulhouser he left that gig last year he now runs a company called cnh

industrial it's a british company he works in chicago. they make construction equipment, buses, commercial equipment, safety vehicles, firefighters, engines, transmissions, axles that go into them. cnh industrial just reported a pretty solid quarter we always want to take the temperature of the heavy machinery space. with europe slowing, there's a lot more to dig in let's check in with him. he's the new ceo of cnh industrial learn more about his company and the broader industry welcome back very good to see you. >> thank you. >> we like that company. what happened? >> i had to go back to my home you know that, i come from heavy machinery. >> yes, you do. >> agricultural engines. when i was approached, i couldn't say no. >> these are case, new holland these are big, old, well-known names if you were in the industry. >> absolutely. we are the leader. when you think about position, i

would put us really at the forefront of that movement we're the second largest agricultural manufacturer on the planet solid footprint in the u.s., south america, europe and also asia we're doing very, very good there. >> deere reports next week i know you guys reported terrific numbers deere last time. this is a great time to be in your business even though the world is slowing. >> the world is slowing. the farmers had the tough right. we're coming off the trough. we hope this is going to be behind us during the year and we think that our industry is growing. >> the truth is, they need equipment, right >> they need equipment we have replacement demand right now. it's all driven by the digital revolution which has arrived at farming. all of the precision, self-driving tractors. >> self-driving is for real? >> yes, absolutely that exists. we started automating our machines years ago and we have -- you have it on the photo

there. so we have completely self-driving farms right now so we have bold house farms, they have completely automated equipment. the footage is all from bold house farm that's reality that's here today. >> it's not irobot, roomba, it's the real thing. >> this is really happening. >> your company is known as the technological leader something that we championed, show champion. lng trucks they made so much sense. other than waste management, people haven't adopted them. >> you're moving ahead. >> we're moving ahead. we're an ag company, construction company we have one of the largest power train engine makers. we do diesel and lng gas engines. what we see happening in europe is there's a strong shift away from diesel on the on road sides to lng we're at the forefront of that lng is so much better. you take the c o2 out. you take the nox completely out

of the thing and also the particulate matter it's something that works on highway. we see this going into the off highway market so we see that our tractors under new holland. we have methane tractors you produce the gas that is then used in the tractors you don't produce any c o2 the farmers love that, the pay back is great. >> we are the largest producer of lng and natural gas why is the united states not here >> it's coming we're pushing heavily for it i think if you talk to farmers today and our dealers, they're extremely interested as we have solution ready, we're going to roll this out in the next year. so this is one of the megatrends. >> right >> three trends. one is digitalization. we're at the forefront the other is moving away from diesel to electrification and gas. we're leaving that you're going to see a lot more case, new holland that are

powered by methane gas. >> i own an olive farm in italy. >> yes. >> you need new holland. >> first of all, the stuff is expensive in italy they make it so nothing -- >> yes >> what is with the tariffs? what is with the add on -- why is equipment so expensive in european countries >> we need it because there is a lot of technology. talking about olive farms and self-propelled, automated tractors we are for olive farms launching a new holland that's fully self regulated. >> throw away your massey and take a new holland. >> you might sell me that, i don't know we're going to probably produce dinner, 500 bottles of cramer's none better. last question, brexit. everybody is worried about this. i'm sick of it could you tell me i'm right to be sick of it? >> we prepare for the worst, hope for the best. i still hope that they're going to remain. we have prepared everything. >> everybody's thought about it long enough.

you have to be a doofus if you aren't ready. >> we are ready. >> the ceo of cnh industrial this is a very good industrial coming if you believe in the cycle like i do "mad money" is back after the break.

it is time lightning round. are you ready, skee-daddies? pat in florida pat. >> caller: hey, jim. thanks for taking my call. love your show. >> thank you, pat. >> caller: calling today about the home depot stocks. >> okay. i think home depot stock has spent a lot of time in the penalty box. the chart is bad you buy some here and you have to wait. i know the housing market, many of those stocks are not that strong dan in florida, dan! >> caller: yes hel hello, jim i think i've been watching cnbc for about 30 years.

>> okey-doke. >> caller: thank you for taking my call. >> of course. >> caller: and to all of your staff. >> i have a great staff. thank you. a great staff. >> caller: they are super stars. jim, alxn, i've been watching that for a while and watching the market and kind of looking at celgene and bristol-myers i wouldn't be surprised if somebody snatches up -- >> normally i would not recommend a stock on a takeover basis but you're right always a bridesmaid, never a bride. i agree with you i don't think it's expensive i'm on board with you. steven in new york, steven >> caller: boo-yah, jim from putnam county. how are you? >> i'm good. how about you? >> caller: i'm good. thanks for all you do for the little guy. >> you're welcome. >> caller: i'm calling up about u.s. concrete, uscr. >> bill sand brook is a good

guy. we keep thinking there is good infrastructure nobody likes anybody anymore so i don't know how it's going to get done i wouldn't sell it at 36 too cheap. i bet you the real estate they have is worth more than the current price of the stock and i'm not kidding. i know some of their lots. let's go to mark in new york mark >> caller: hey, jim. this is mark from brooklyn, new york >> yes >> caller: yeah, brooklyn. so i'm a huge fan of yours. >> thank you. >> caller: i watch your show every single night no exceptions. it's required viewing in my home in brooklyn. >> thank you. >> caller: i'm also a member of your action alert. >> yes thank you. >> caller: so thank you for all the guidance >> i hope you're a call on wednesday. go ahead >> caller: absolutely, sir a few months ago i decided to start investing in medical marijuana and i bought some

shares in constellation brands stz. >> right here's the problem you're buying constellation primarily a beer company beer did not blow it out this year, all right? beer is slowing category this is the fastest grower in the slowing category and one of the things we have learned on "mad money" is if a category is slowing, nobody wants it yes, they have their investment in cannabis but the beer category as you will hear this week from molson coors is not working. i need to go to ken in ohio. ken. >> caller: hey, jim. how you doing? >> i am good, ken. how about you? >> caller: hey, i wanted your thoughts on marathon petroleum if possible. >> look, we have some really good numbers from phillips 66 today. marathon doesn't report until april, 3.3% yield. i like it. i think that's a buy ladies and gentlemen is the conclusion of the lightning round. >> the lightning round is sponsored by t.d. ameritrade

you laugh? stop laughing over there yeah, you. so your company can keep expanding. keeping both groups happy, rachel, cameron and lisa detweiller i threw in the last one, that was my wife. i need someone who i've heard of who is a-rod who is meaningless to me. my exclusive with the ceo of avilus every day i have -- >> it's usually a boycott -- >> bust that >> talk about a good -- sorry. jump the gun. >> brrutiful >> bertiful -- >> will you stop it? >> will you stop it? good i want free access to research.

yep, td ameritrade's got that. >> now it's really getting me. y. yes, absolutely. do you just say yes to everything? hm. well i say no to kale. mm. yeah, they say if you blanch it it's better, but that seems like a lot of work. no hidden fees. no platform fees. no trade minimums. and yes, it's all at one low price. td ameritrade. ♪ ♪ ♪ our new, hot, fresh breakfast will get you the readiest. (buzzer sound) holiday inn express. be the readiest.

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these days i often get the feeling that the analysts and the companies that cover these different companies must be operating in different universes. theable lists are so out of touch with what's going on sometimes at the companies they follow take yesterday's news that sun trust and bbt are merging. it's going to be the sixth

largest. there are a lot of reasons this makes sense. the efficiency ratio will be astounding 51% how much falls to the bottom line for buying the company. they'll be able to cut a tremendous amount of fat 24% is within overlap. to me this bbt merger with sun trust is about keeping up with the joneses. in this case, keeping up with the wells fargos, jpmorgans, and especially the bank of americas. they can spend fortunes to build customer relations platforms and doing a phenomenal job they can compete with the big boys when it comes to technol y technology after the merger they're going to commit $100 million to innovation in a tech center where the combined entities will be i'm betting most of the savings from cost cuts will be voluminous i think the money is best spent optimizing bank's digital presence and migrating to the cloud for just about everything so they can have the best

possible mobile experience which brings me back to the analysts from yesterday's conference call almost every single question had to do with the old nuts and bolts of bank regulations. there were questions about the expense, there were questions about corporate culture, but there was nothing about technology even though i think technology, specifically the need for customer relations management soft waiver is what drove this they have salesforce to help them figure out what their customers want, when they want it and they integrate. that's why bank of america has such strong account openings, big deposit growth people want to bank on the app, not the brick and mortar they have become expenses, not investments. bank of america increased from 31 million to a staggering 36 million in the latest quarter. digital deposits, 77% versus 67%. when you talk to the execs at bank of america, digital is what

they talk about. why? it's how they get new clients, clients from other banks these clients are not just us, it's anyone with a mobile phone. sun trust app was exceptional. neither company talks about them in their earnings presentations, nothing. sun trust says it's the number one. if you go to google and search for various permutations, it's bank of america. bank of america is gaining new clients and not just millenniums. where are they coming from simple, other banks. not just first-time accounts transfer accounts, wealthy or established accounts, the best kind to have yet bank of america is using its tech experience to take market share across the board that's why i think the sun trust/bbt may be about playing digital defense than offense it's about giving the combined company the chance to scale and less in brick and mortar in order to keep them happy and get new clients.

keep them from migrating to bank of america they don't get it at all they're bank analysts. they don't know what crm is? they think it's a stock symbol or the cloud or service now after merged entity, that's what happens, my conclusion if you want to understand the future of the banking business you need to understand the technology transforming the industry otherwise you'll miss out on what's really going on. just don't get the digital they don't get the digital and that's the force behind i think what's happening with this transaction. stick with cramer. capital one cafes. you can get savings and checking accounts with no fees or minimums. and one of america's best savings rates. to top it off, you can open one from anywhere in 5 minutes. this isn't a typical bank. this is banking reimagined. what's in your wallet?

there'stim boyle out there in oregon just doing the thing that he should be doing and that is the best apparel story out there. doesn't get a lot of fanfare doesn't pay a lot of people a lot of money to pay his clothes. the stock goes up because the numbers are great. i always like to think there's a bull market somewhere. i like to find be it for you i'm jim cramer and i'll see you monday

>> welcome to the shark tank, where entrepreneurs seeking an investment will face these sharks. if they hear a great idea, they'll invest their own money or fight each other for a deal. this is "shark tank." ♪ my name is gauri nanda and i'm from new york city. my parents came from india and immigrated to the united states with just $10 in their pockets. they tried their hands at several businesses, eventually taking over a failing newspaper, and they built it up to success and ended up selling it for a profit in 2007. i went to mit for grad school, and it was there that i created a product for a class project,