>> smh, i like charters. and i'm inside tim seymour >> good to have you there. >> see you back here tomorrow. time for more "fast" "mad money" with jim cramer 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. m"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 money. my job is not to educate you but teach you. call me.

tweet me @jim kramer >> the worst hit, tech especially the cloud plays that were roaring hard not that long ago. they were crushed and the worst part, i don't think that the selling is over. yeah, anything that helps enterprises harness the power of the cloud had been on fire coming into today's session along with anything related to streaming content and that's because of the wildly successful disney plus, the new over the top service. they've been the big winners for several weeks ever since nvidia and splunk what's driving this new found weakness and how long will it last isn't that what you want to know i'm going to walk you through all the reasons so you know what's ahead first, it's the beginning of a new month, right

almost every new month especially after a very big run we get a period where large funds decide to take something off the table. not a dumb idea. given that no one was expecting this selling, witness the clueless pajama traders as of last night and this morning who were still buying. you have to be weary it's hard to find the other side of the trade when you're selling. there are so many etfs and it's possible for one or two to bring down the whole group it is the tail wagging the dog but it happens we've seen it regularly since the software service meltdown in april of 2014. you like to be careful because these kinds of moves can be brutal and more important they can be longer lasting than the typical dip. you dip buyers focus in 2014 the whole group got hammered led by sales force. given that sales force reports

tomorrow i recommend proceeding with caution you know i love this company and ordinarily i like it when a stock pulls back going into earnings my first instinct is the bar has gotten lowered now i worry it may be rolling over along with the whole cloud cohort regardless of howe well t is doing i love salesforce and you can follow along by joining me @shichindler slist.com club. not one of them ended in a day 24er7 all multi-dayor even multi-week shellackings. if you're nimble enough to be a trader, i would lighten up for most people that's a bad piece of advice. stick with it through the pain because you never know if you'll be fast enough to actually get back in a better price

now the story here is still fantastic. take a look at print printout the story from 2008 to here you will be able to see. we just checked in with salesforce at the big green conference two weeks ago they told an incredible story. that won't protect the short-term turbulence. it may not i'm concerned. i'm concerned because the cloud selloff looks like the real deal it's not the etf driven selling, not that it's so heavy, it's that the buying is so thin think of etf selling as being like a machine gun while single stock buying is more like a bolt action rifle. the guy with the rifle simply doesn't stand a chance until the machine guns run out of ammo typically that takes twoor three days for the stocks to get low enough that the selling dries up it could be like that. but i'm just concerned for you second negative catalyst, do you see the stock of roku today? here's the company that's become the face of cord cutting

it lets you stream video directly over the internet to your television. they make it easy to watch disney plus. best way to get your fix now roku's been downgraded many times in the last three months the stock was always able to bounce back until today when morgan downgraded it to a sell they called the recent rally unsustainable and that call resonated, which is why that stock plummeted 15% today when a stock that's supposed to have endless assaults, that's a sign of what i call over extension. some traders believe roku's the key to this market, believe it or not, meaning they take the cue from the action and it actually was the proximate cause of today's vicious decline third negative catalyst, it's china. typically the cloud with streaming stocks don't really react to news about the trade war. today was an exception going into the weekend there was a widespread belief that we would have a trade deal with

chinese lockdown a deal that might have opened up our markets. when the chinese government said there need to be roll backs before we can have serious talks, this was taken as a sign that they don't care about it anymore. that's right is that true my understanding is until president trump signed this hong kong bill which imposes sanctions on chinese officials responsible for human rights abuses, we had a workable deal then the hong kong bill threw everything out of whack. you might think this has nothing to do with the trade war but the chinese view this in escalation. now they want the tariffs rolled back i think that's very unlikely not when the president is increasing steal tariffs on argentina and brazil really i think to prevent them from buying cheap subsidized steel from china and dumping it here, which is why that was so significant. that's why the market went down after starting to head up. my guess the chinese would rather take their chances and wait for the election next year. well, in hope that they get a

more amenable president like joe biden who's more of a globalist than trump i think they're making a mistake. they could get four more years than trump she's had it with the chinese spoiling the earth no tariff gets rid of that once china's in play we have the usual tech selling nvidia, we know it needs to close. the chinese have blocked it so far. apple needs the trade talks to go smoothly. doesn't really matter about the air pods the financial technology companies, they're all hoping to get a crack at the chinese market china hurt more than just tech this was a market wide problem boeing seemed to trade lock step with the trade talks i'm starting to wonder there will be plenty of people who are thinking, wait a second, how the heck can this company make good on all of the payments as reparations for the 737 max fiasco they said they owe money we had america owing money

the stock got hit hard i think boeing stock may be in a rollover phase, my advice. these squalls of selling take multiple days to work through the system you almost never just get one day. i think the people were simply taking profits to lock in their gains have too many winners to finish trimming their positions in just one session. the pattern of sales force and the other cloud kings is to get hit for at least three days if not longer i'm betting president trump's tariff hikes go into effect on december 17th which won't be good for the stock market. at the end of the day we got too complacent once we made it through the tough month of october investors get a little giddy assuming they had nothing left to worry about. that allowed the entire cloud cohort to go higher. it was too good to be true we needed and need a shakeup we needed some sellers to instill reasonable amount of fear and worry i think we're on our way there bottom line, we got hammered today, okay?

and it was much more of a hammering than even the averages look like because there's not enough negativity. once people start worrying again, stocks will come down to more reasonable levels and then you can pounce >> buy, buy, buy. >> we're not there yet and i don't think you should jump the gun. richard in new york. richard! >> hey, jim. how you doing? >> i'm good, richard how about you. >> caller: good. my question is warren buffet maintained significant capital stake in occidental in spite of its debt laidened balance she had. he received significant terms. while it's good for buffet can this change the downward exposure of the stock? >> he has first dibs i think they paid too much, oxy, but i do think the company has the cash flow. i don't like the stock and i

don't like how they gave -- they took that deal from buffet rather than just go to a bank. they might defend that, but there's too many people i talk to in banking who find it too hard to defend. let's go to steven in tennessee. steven >> caller: boo-yah from east nashville. representing black friday. especially for ecommerce, cyber monday 700 million on recent sale of assets, big short interest insider. set me straight. is this just a budget stocking stuffer for my portfolio or is this the christmas present that sends my kids to vanderbilt. what do you think of pit any boast? >> wow, you thought of it longer than i would have. i think this is a stock that many people have tried to catch the bottom in. do i look like a butcher block

to you i did some cooking on thursday but i would never let those knives near me and i wouldn't let -- i would fear pbi. a couple things, the president tweeting again, fed's got to move stronger dollar. totally unhelpful. we have kupa reporting great quarter, getting hit today's selloff was prompted by too much complacency i think we're in the early days of a much needed shakeout. on "mad money" tonight, i'm willing to sell stocks that you may have missed. i'll tell you the names and why they're soaring. what's the fear index signaling going into 2020? i'm going off the charts to find out. you're not going to like it. and the security software space is chock full of sexy new names you can use to play the secular trend. i'm eyeing an old stand by don't miss my exclusive. and stay with cramer

don't miss a second of "mad money. follow @jimcramer on twitter tweet cramer #madtweets. send jim an email to madmoney@cnbc.com or give us a call at 1-800-743-cnbc or head to "mad money" dath cnbc.com (vo) the flock blindly falls into formation. flying south for the winter. they never stray from their predetermined path. but this season, a more thrilling journey is calling. defy the laws of human nature. at the season of audi sales event.

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some rallies are flash but others are quiet happening in dribs and drabs i call them stealth moves. the two biggest stealth moves so far, jpmorgan and united health group. they've been rallying relentlessly since september the financials and the health cares are higher these two names are about as close as it gets these days to blue chip stocks they're well-run companies with good balance sheets most respected members of the indust industry in september they plummeted with unh taking out the $215 level. the ceo unleeshd a passionate side who wanted to have a single

payer system and put his company out of business. in september elizabeth warren was all about medicare for all, that means no united health. so the stock tanked. as for jpmorgan, the same thing. here's the thing money managers don't have any insight in politics. that month in september, that was now looking like the apex of warren's campaign, at least for now. it was her nadir, apex, i have no idea who will be the nominee. trading has been unluck and misfigured ever since that moment jpmorgan has become unoppressable nothing damages them although this selloff will, in the end, i suspect take these two stocks down too the federal reserve no longer cutting interest rates a stock like jpmorgan will be

under pressure as for united health, this is the kind of stock people flock to when the economy is weak. if you think people have recovered, you want to sell something like unh tonight it preempted better than expected earnings. this selloff could get more ferocious and it would include the stock of united health some will say it didn't raise guidance enough. not true but when stocks go down people make up reasons what does this tell us i think the action here is very little to do with the broader economy and a whole lot more to do with the democratic horse race you want to know why unh caught fire warren started faltering in the polls? then she backed away saying it would be her third year until she implemented it the stock market would love to have a more centrist business friendly democrat run against

trump. wall street was terrified of warren, still is as her numbers have faded unh and jpmorgan are higher. when you look at what's been leading us higher, these stocks aren't hostage to the fed, trade talks or impeachment hearings. they're all about polls in the democratic parties and primaries. the polls could change again the recent action is realistic regardless who takes the white house, votes are like medicare for all or breaking up the banks, simply won't be there in the senate you don't need to be a keen political mind to know that you just need to know how to count although once again, when gripped with a selloff like the one i think we are having right now, it just doesn't matter how blue the chip is "mad money" is back. we call it the mother standard of care.

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after a rough day like today, how worried should we be? we've had a spectacular bull run. everybody knows that do we take this day in stride or some sort of garden variety property taki profit taking? i'm concerned about the latter moments like this what's good is i find it very helpful to take a step back and look at things through a more quantitative lens a monday edition with the help of legendary larry williams. he's been trading since i was a kid. williams is a nearly mythic call figure on wall street. he's written a dozen books, he has a website ireallytrade.com over the summer when the market was getting slammed we checked in with williams and he said the negativity was peaking he nailed it the market has made a remarkable comeback three weeks ago he expressed

cautious optimism. as we got closer to the end of the year the move was likely to run out of steam then the question is how close to the end of the year are we? williams thinks what's happening right now, the decline he thinks the tide is turning it's headed a little ahead of schedule with investors increasingly turning bearish and he predicts the bears will have the run of the place through mid february he thinks we could rebound but he's recommending selling into any strength even as he's still not backing away from the long-term bull market thesis let's take a look at the action in the cboe volatility index, fear index it's a gauge that does a great job of reflecting the overall level of terror in the marketplace. when the vix goes down, that's a sign of fear that's 17% this is a remarkable move. i have some other people i have to tell you, this was

very disconcerting to me i got to spend more time on it williams likes the vix it gives you a read. he also believes there'sa cycl to volatility which is why he tries to forecast that based on the behavior and that's the red line in this chart, okay vix forecast did this. this may sound like he's making stuff up out of whole cloth. there's a ton of rigor the vix forecast is one of the reasons why he was able to call it based on the volatility cycle, he's got a sustained up turn in the vix which tends to be very bad for the s&p 500 based on his forecast, the volatility index should keep rising from february 11th, the day after my birthday, not that that's relevant in other words, investors are starting to turn bearish right here and williams is expecting it to stay that way for the next couple of months that would be different from what a lot of people are talking about. not just the vix why don't you take a look at

this chart of the s&p 500. williams has the same kind of analysis based on the cycle forecast you'd expect the s&p to peak right about now. the strongest short-term cycle has lasted 80 days the market will be under presh through the beginning of march here we go daunting while these cycles can be helpful, williams likes to confirm them by digging deeper into tech. take a look at the short term chart of the s&p 500 with the dollar index which measures the strength of the dollar according to williams, the dollars is a good leading indicator of what will happen to stock prices so he's pushed it forward in time four weeks to illustrate that correlation while a week being back is good for american exporters, near term weakness does seem to foreshadow weakness in the stock market here are the black stock market.

the dollar index has fallen off. that's following suit. that may be one of the reasons that the price of gold is screaming higher i like gold. that's a result of flight from stocks williams is long gold. he told us that so you know that's full disclosure i think it's good to have exposure to precious metal it gives the thing he's predicting we went on and how much i like that finally, there's the commodity futures trading commissions commitment of traders report and this is called the cot report. that's what it's short for every week the cftc releases positions. we care about the large speculators, institutional money. so take a look at this chart of the s&p futures with the commitment of traders data you can see they're taking a

really negative turn here in the most recent weeks. this is concrete proof that money managers are getting more cautious if they are getting more cautious, you don't want to take the other side no, this is about selling. this is indicating selling pressure coming. put it altogether and williams thinks we are about to get pretty ugly here we could have one more bounce before the negativity completely takes over he thinks you should use any strength to ring the register. i agree with him that we were due for a shakeout i said that in the morning show. since i expect the president to raise his tariffs on china in two weeks, it might take tim for the pain to unfold it suggests that the market's animal spirits are turning from bullish to bearish for the next few months he thinks you should try to side step the pain. i'm going to another vix expert tomorrow because this was so negative i'm not influencing this person. i have to know before i tell you i am concerned before i am now my view, we did get too

complacent but i think that may happen faster than williams expects and not as deep as he says even as he most certainly regards the upcoming decline once again as a correction in a long-term bull market which he said to me twice because he did not want people to freak out because he doesn't think this is the end. i want to go to dave in illinois dave >> caller: dr. cramer. happy holidays, my goodman, my friend. >> thank you, dave, same to you and your family. >> caller: dolphins. jim, within a few weeks -- >> why do you hurt me? i thought you were my friend >> caller: jim, within a few weeks the most profitable company on earth will be trading on the saudi stock exchange. of course i'm talking about saudi aramco analysts anticipate it will raise more money on its ipo than current record holder alibaba at 25 billion in 2014

>> okay. >> caller: u.s.ipo market has been struggling of late. jim, how do you see this historic impending ipo impacting the u.s.ipo market. >> dave, it's so weird they're raising so little money off the actual deal even though there's a large size that i think it's not going to have the impact we thought. i do know they want to diversify away from oil. i think they want the currency to do that we have to stay away from this because we stay away from anything fossil fuel thank you for calling me doctor. let's go to adam oh, in -- we're talking about the najarian state in minnesota, adam. >> caller: mr. cramer, boo-yah from minnesota pleasure speaking to you i was watching your show last week about the bulls, the bears, and with the stock market doing so well not being a pig. >> right. >> caller: i don't want to be a

pig. i want to take some profits. what do you recommend i do with the profits? do i put them back into the markets or -- >> no. no we have a club we have raised about $350,000, which is a lot of money, and what are we doing with that money? sideline sideline why? because we, too, agree with larry williams, that short-term things are going to be turbulent. short term is shorter term than larry does but larry is the king i had to tell you what he's thinking again, tomorrow alternative but maybe the gia grees with him that's how concerned i am. i don't want to panic. market indicators are signaling that could carry over into the next few months according to williams my take, it's time stocks came down to more attractive levels i'm not committing yet unless i take more money out. that's for the trust i can't trade stocks cyber security spending is expecting to see $1 trillion over the next few years. cyber attacks become more

prevalent can a company like cyber arc protect from the russians, north koreans, chinese, all of them trying to disguise each other? i'm going to talk to the ceo they have doubled and quinn it upled. i'll review this name up ahead rapid fire in addition to the light jing round stay with cramer it is nice.

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with tech selling off after a magnificent run, what do i do with the cyber security plays with terrific numbers. cyber arc protects so-called privileged accounts or administrator accounts that are held by attackers.

it's up 60% for the year although the recent track record is kind of turbulent it peaked at 150 and plummeted to the low 90s and rebounded to the 120s today some of it is because they had a fabulous quarter let's look at the software with the company ceo. welcome back to "mad money." have a seat. >> thank you. i get worried because the number of companies that have signed up with you, big fortune 500 companies in the last four months is so large that i have to feel something is happening, that either your salespeople are doing great, which i'm sure they are, or somebody did something we don't know about and the word got out that they had to hire you. what the hell is going on? >> i think the word is out that we are at the center point of digital transaction and reducing risks. we're enabling technology for companies going fast and

enabling digital transformation and protecting against what the hackers are after. the word is out. >> let's say you have a business you want to go to amazon web services does that create a particular new hole in your situation >> yeah, it increases the attack surface. it's all in. if somebody takes over the cloud infrastructure, they have everything there's a nice line between what the cloud provider would do and what our customers would do in protecting their own data, the access to that data. >> i was astonished to see the amount of federal business you're doing i thought the federal government would have figured this out. >> q3 was good here u.s. federal, they have a program to make it easier for agencies to adopt the management with cyber they're executing on that. >> energy, what are they worried about? >> energy is one of the more vulnerable verticals out there. >> why >> the attack surface is so wide they have so many convoluted

systems. they're afraid to touch and upgrade. for an attacker it's a walk in the park. >> wait a secretary. energy -- these are very rich companies. they have a lot of vulnerability. we don't want anyone in there. what are they, under spent >> they have a very complex infrastructure they are spending but i think the going belief was the attackers won't make it on the inside that's changing these days it's very clear that nation states, sophisticated attackers can make it on the inside. they are investing but they're behind. >> they're naive >> not naive it's an evolution. there are industries more targeted and now it's clear that energy is -- >> there's one i'm concerned about involving hipaa and pharmaceutical if they're in on the pharmaceuticals, they know about us they know about things they shouldn't know. >> there's a lot of information in the pharmaceutical because of all of the experiments. >> if you're phase 3 which is secret, your name is known, they

have your name. >> absolutely. we see these verticals and understand the information they hold is super sensitive. >> let's look at the case of tech we see they have to disclose it's regulatory reasons they have to disclose crisis management. that approach says disclose. get your house under order and disclose i think they would have. >> disgruntled employees, people looking for ransom or nation state? >> all of the above. all of the above and i think the weapons of nation states have also made their way into the hands of criminal organizations and even the amateur type hackers. so all of the above. it's getting harder these days to know who is the attacker because they're using what's

called false flags where you think it's one country, it could be another country or a criminal organization we focus on proactively protecting the infrastructure. >> once they're in, can you find it >> yeah. yeah companies like us we partner with other agencies and the organization has time to respond and contain the attack. >> when you first came on, smaller company. had a base of people, exmilitary in israel. trustworthy. many of them you knew. you're a huge company. how do you keep a guy in the long brand, he knows the trick of the trade and he goes on his own. >> we check our people. >> if i worked for your company for five years and i leave, i'm still being followed >> no, no, no. i meant background checks when you're coming on board of course we protect our own secrecy and limit what people can access. >> okay. so do you tell people that you have to make your password much more difficult >> it's much more than that.

what we do is the password never reaches an end user. they're rotated. we give people access to what they need to do so it's never exposed. >> let's talk about competition. there's a downgrade at crowd strike people talking about too crowded. fort net is too good palo alto down they're trying to move to a digital world. we have z scaler they all have landed and expanded they all want to come in on one thing and take over. cisco. so how do you as a smaller company keep them at bay >> first of all, we really grew. we have 5,000 customers. >> you're huge. >> out of israel, we're the second largest public infrastructure company we have long-term ambitions as well we dominate and work hard to be the market leader in our space but also partner and look at adjacencies. >> i was with the company out in san francisco last week. they had an office in israel and an office in america they thought israel was too hard

to communicate with. you're based in newton, massachuset massachusetts. is it too hard to have two headquarters >> no. from day one we want to work with the r&d in israel and the u.s. and it's working perfectly. >> one last question my daughter had $1,000 pulled out of her account, major bank, and then a second thousand she let them know. they're negotiating now. we're starting to see big hacks. huge amount of money we don't read about it why don't we read about it >> it's really out there the $1,000 really are small ones. >> not to -- not to someone who's 22. >> yeah. yeah absolutely and i think they try to resolve those quickly before they're publicized. >> wow all right. that's the chairman and ceo of cyberarc software. i check my balance every day you should be checking your balance every day. this is too prevalent. you have to take care of

yourself too they can't do everything "mad money" is back after the break.

it's time. it's time for the lightning round. and then the lightning round is over are you ready skee-daddy time for the lightning round doug in nebraska doug >> caller: hey, cramer boo-yah for you, mr. cramer. >> we don't get enough cornhuskers. i'm glad you called. how can i help >> caller: i need some information on stock biib. >> there's an alzheimer's conference later this week there was an analyst on our network this afternoon who said that biogen's drug is going to be a bust and that makes it so that i am concerned because there's no reason to stick your neck out like that unless you kind of know something or otherwise you have egg all over his face dave in new york dave >> caller: thanks for taking my call, jim. what do you think of amgen it's up 20% ford future.

>> amgen did something i made a lot of money with amgen but not enough that was because we did not think the market was reacting correctly to getting otezla so cheaply. it's moving up as much as you said if you want to buy amgen buy it at 210 and i would take it because it's a much better company than it was six months ago. let's go to austin in florida. austin. >> caller: happy holidays. boo-yah. >> that was sweet. right back >> caller: jim, you got me started in caterpillar, cat. i've got a good amount of it what do we do with it? >> i think you want to sell some trade around it if you are a trader and buy it back later why do i say that? because i don't think caterpillar is going to have a good quarter and i am worried about more tariffs if you want to make money, it's up a lot and buy it back let's go to randy in ohio. randy. >> caller: jim, biomed hired two

research firms to test their otella turns out they're 22, 29% more safer than aortic balloons they use them on older, sicker patients and half would die if they didn't use these. what's your expert opinion >> i saw that. it was very disconcerting the first report, i agree with your report i think the stock's been derisked i would be a buyer let's go to phil in my home state of new jersey. phil >> caller: boo-yah, jim. question for you about north up there grummond trying to understand why the stock keeps going backwards. is it worth buying or should i sell it? >> don't sell it it's cheap the whole defense sector sold off horribly without any real sort of analysis i have to tell you, i do like lockheed martin more but i know it seems like it's rolling over. real good place to start buying within the next couple of days let's go to jay in new york.

jay. >> caller: cramer. i'd like your a opinion on tegma, tgma. >> we have too many digital media marketing companies that i can't endorse it particularly because i don't like the tape now. you'll get a chance to buy later. that, ladies and gentlemen, is the conclusion of the lightning round. >> the lightning round is sponsored by t.d. ameritrade ♪ ♪ ♪ ♪

right now we're reaching the tail end of the annual obamacare open enrollment period where anyone who doesn't have insurance can research and buy their plans for the next year. the problem is, picking a plan is a huge pain in the neck there are so many different options with so many different moving parts it's almost impossible to make an apples to apples comparison. i have tried it's so difficult we have a booming cottage economy to help you. take ehealth ehealth.com helps consumers choose the right plan. business is booming. more and more people decide to buy their health insurance online ehealth has more than doubled year to date the stock has quintupled since

2017 mr. flanders, welcome to "mad money. good to see you, sir thank you so much. >> yeah. >> first time on so perhaps you should fill our viewers in on the function of ehealth and how you're doing. >> we're here to help making buying health insurance easy the company went public in 2006. we've moved it recently into medicare and helping seniors, millions of them. >> the stock has taken off since you started doing that. >> yeah, we've really been rewarded we're in a good market i must admit it's hard to succeed when you have 60 million seniors getting health care. >> i called you guys i'm not market sadly and he was really unbelievably good because it's also unbelievably hard. i went to the egov one. it was a joke. >> well, that's not really set up to be an ecommerce experience ehealth exists to make it as

easy as ordering an airline ticket and the government tries to make things as hard as they can. >> i think the example of your being kind of the expedia or the zillow of health care really works in terms of people at home trying to figure out what to do. >> absolutely. we're not yet there because medicare is such a more consequential purchase of course it's complicated a lot of seniors have never even bought health insurance. they've been in group health insurance so we're there to really help them from a stock standpoint we'd like to think of it as being in expedia. >> it's the insurers who pay if you try to get it through ehealth, it's not like ehealth bangs you for it, the insurers have to pay for it >> you're right. that's the single biggest misperception. people think they pay but the health insurance company pays. year to date, 83% of the medicare enrollees at ehealth have a zero monthly premium plan. >> that's pretty great i was impressed that you had so

many well spoken salespeople but i also think in this time where employment is so low it's got to be a problem for you to find great people. >> yeah, well, our average agent makes over $75,000 a year. we train them. they get licensed by every state. they have to be appointed by every carrier. these are really career consulting jobs. >> okay. now about six months ago w started getting democratic candidates to talk about medicare for all from your vantage point, would anyone want that if they worked at a company >> no. i mean, the reason i think it's dead on arrival, jim, is because 150 million americans have employer sponsored health insurance. they're not going to vote to lose that. then you have another 60 million seniors in medicare who are very happy with the system. they paid into it all their lives. >> right. >> they're not going to vote to have that taken away. >> yeah. i was shocked. i'm on the tail end of cobra i have to figure out what to do. medicare is great.

i was thinking if they took away medicare, i just paid for medicare that's why i think the people who went for that have peeked in the polls. no one has gotten more of their finger to the pulse than you it's a loser. >> yeah. we talked to millions of consumers, tens of thousands every day. they are not going to vote for this >> now i do want to know your own cash flow. you ramped up so you had negative cash flow is that something i should be worried about or is that because you have a rampup? >> it takes us two years to break even on a medicare enrollee we spend $600 to acquire a customer. >> it's a lot. >> it's a lot but we earn over $1,000. >> that's the ltv in tail revenue. very transparent very transparent documents now medicare advantage i mean, i see ads for us every day on tv. and i have no idea it sounds compelling

how do i compare medical advantage? >> medicare advantage is the right plan for most americans. you're seeing some of our ads. you're seeing some of the health insurance company ads. what differentiates our model is we allow you to compare humana against aetna, united, if you call one of the health insurance companies they'll only be able tosell you their plan. >> i'm going to play did he havevillehave devil's advocate >> it matters who is your primary care condition, what are your medications, what specialists do you see it's endlessly complicated only one out of ten americans are in the exact right medicare plan >> that's preposterous how could the governmental low that >> well, it's very complicated a lot of the problem is making sure that when you're talking to the senior on the phone that you extract all of that information from them. so which doctors do they see which specialists do they see?

which pharmacy do they go to what hospital providers do they want to go to? what medications are they on >> i had the misfortunethat my daughter was in a bad zip code no one wrote insurance for her had i called you would i have been in luck >> if there's no policies there's not much we can do it's done on a county by county basis. >> it had a lot of native americans with pre-existing. no one would write what do you say to people who can't get insurance because of what county they live in >> the affordable care act was good for tens of millions of people and it also raised the cost for millions of people who make too much money to qualify for a subsidy. then there are counties where they're just completely without insurance and -- but it is better the story is better over the last two years and far more insurers are in the market this year than they were last year. >> i want to compliment you for

not being political. you told it straight that's what we need. you're very helpful. when i call -- i mean, it could have been a bad experience i tried a guy on sunday. he was terrific. i want to thank you very much. scott flanders, ce ehealth if you want to know why the stock is up, try to get this stuff without looking into these things thank you so much. appreciate it. stay with cramer from managing inventory... to detecting and preventing threats... to scaling up your production. giving you a nice big edge over your competition. that's the power of edge-to-edge intelligence.

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- [spokesman] finish your degree at snhu.edu a couple of chowder heads on twitter saying you've become a bull hardly i am concerned about this market as a matter of fact, my travel trust has raised a huge amount of money and i sense that we are going to get better opportunities to buy stocks lower. watch kupa that's a good example. reported great quarter stocks get hit anyway. what happens if you have a bad quarter? i like to say there's always a bull market somewhere. i like to find it for you here on "mad money. i'm jim cramer and i will see you tomorrow

>> narrator: in this episode of "american greed," a family at war. michael scripps, heir to a multimillion-dollar media empire, is charged with stealing millions from his mother, melissa. >> he sort of gets up in the morning, yawns, picks out, "i think i will send myself $17,383." >> narrator: but for years, melissa does not even notice. she has her own issues. >> melissa looks at me, goes, "hi. i'm melissa. would you like to smoke some opium?" >> narrator: and in this family, money is no object. >> there was talk about chartering private jets for their pets. >> narrator: and $90,000 goes to one night with high-priced