>> small caps. iwm i like it on the breakout. sell puts to own it. >> like it on the breakout and sell puts. interesting show and strategy of names. a great year i'm off until 2020 tony i'll do i >> 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 and i'm just trying to help you make money. call me at 1-800-743-cnbc or tweet me at jim cramer today i want to share some of my accumulated wisdom believe me, i have been doing this thing for a long time there's so many different things

you need to balance in order to be a great investor. it can be hard to keep track of everything that you need to do a lot of this is more important than day-to-day action without the right discipline or frame work and the right, dare i say philosophy you'll get yourself into trouble but big picture financial advice can be hard to process. a lot of it seems down right contradictory to most people we tell you to stick with the companies that you believe in and then we say change your mind on a dime when the facts change. you need to be cautious because it's so dangerous out there but you also need to be ready to pounce at opportunities when they present themselves. you need to be skeptical but you also need to know when to suspend your belief. your disbelief you need to avoid chasing stocks that have run too much but you also shouldn't care too much where a stock is coming from if you believe it's headed higher you know the rules it doesn't mare where the stock

is coming from it's where it's headed from. i get it if you take all of my rules literally you'll be running around in circles while tearing your hair out. so tonight we're going to take a step back. try to put all of this discipline stuff into perspective. if you pick your own stocks, the thing you really need above everything else is good judgment but good investing judgment is not the kind of thing that anyone can teach you in an hour of television or even a year of television for that matter i try to teach you better ways to think about individual stocks and the market all of my best professors in college focused on teaching us how to think how to think not teaching us what to think. i want to teach you how to be a better investor and not just tell you the stocks that i think are good investments the problem is that's a heck of a lot to process so let's try to put it all in context. first and foremost, when you're managing your own money, for any

other consideration you need to know yourself -- i have said this before and i'll keep saying it because it's so important you can't know which stocks to buy if you haven't taken the time to consider what your own personal objectives are. i can't decide them for you. you need to build up your wealth to make a life changing purchase like a home. do you have money to burn that you're willing to take risk on more speculative propositions. those are all different mind sets there's no one size fits all approach to investing and anybody that tells you differently is either dangerously misinformed or flat out lying to you probably in order to sell you something but far too often people invest in the stock market with a simple defined goal of making some money. all we want to do to make money, everybody wants to make money but how quickly do you want that return what are you willing to risk to get there.

how much can you even afford to risk in the first place. these are really important questions that you need to ask yourself before you start trying to pick a given stock. why? because with that clearly defined goal you have no way to determine which stocks you should be buying your 401k or brokerage account do not exist in a vaccum a stock like a netflix might not be the most appropriate place to put your capital on the other hand, if you just want some capital appreciation then netflix and the rest of the fast growing cohorts, well, they all seem -- let's just say they look a lot more attractive given the mind set in short, before you can start making judgments about individual stocks you need to figure out what it's going to look like. that's the foundation of good investing. knowing what you need so you can find stocks that are suitable to your particular needs. let me put it another way. if you want to fly across the

pacific ocean you do it in an airplane a boeing 747 you don't try to fly across the pacific in a ford fiesta now if you want to pick up your kids from school, down mainstreet in a 747 would be impractical and in that situation you'd be more with a ford fiesta. how about if you need to go to home depot for a metric ton of lumber it's there's no way that you'll fit it in a 747 packed home depot parking lot but a pick up truck would be perfect you want low risk holdings that will give you a slow and steady return if you don't have time to research individual stocks you can't go wrong with the basic low cost s&p 500 index fund that tries to mimic the performance of the broader market. i recommended index funds endlessly here and i'm going to

keep doing it. they're phenomenal at the best they help demon democratize the market it's very business friendly compared to the rest of the world. when you buy an s&p 500 index you're betting on the long-term performance of the u.s. economy. do you know what you're betting on you're betting on progress historically that's a good bet you need to invest your first $10,000 in an index fund don't bother to try to pick individual stocks. you'll have more money than that again, first 10,000. index fund if you're looking to make slow and steady muoney over a period of decades, you might also consider certain kinds of individual stocks especially those with big dividends because of compound. a 4% dividend yield may not sound all that spectacular but the 4% annual return will double your money in 18 years thanks to the magic of compounding of course not every investor is simply trying to fund their

retirement even if you are, that may not be the only thing that you want to do with your savings this is an important point you can have multiple objectives you can have multiple polols of money. your discretionary mad money portfolio, the extra money that you're not going to need in order to support yourself after late stage capitalism has ground you down and you're no longer able to work that discretion portfolio is where you can afford to take more risk in order to generate faster problems, make sense? but a mighty big but here but it's going to be much less important than your retirement portfolio because it's not just retirement if you went to pay for a house you want to send your kids to college. you should take a more conservative approach to managing that money. whatever kind of account you put it in, your strategy for future house savings should look like your retirement portfolio than

the mad money portfolio. please get to know yourself before you jump down the rabbit hole of getting to know individual companies bottom line. trust me i get it when you get excited about a particular stock you often want to dive right in i have been there before first up, you need to consider what you're trying to get out of the market the answer to that question is not going to be the same for everyone but everything else stems from it. >> i noticed the companies a lot of them will exceed on one in reference to revenue and earnings per share as a shareholder if the companies i'm looking for if they are going to exceed one and miss one would it be more important to exceed on revenue or more important to exceed on earnings per share. >> what a great question because

it's revenue growth. there's demand for the product the actual earnings per share may be in some cases manufactured by buying stock back but you can't redo your sales. okay always consider what you're trying to get out of the market before you dive into a stock on "mad money" tonight, the tight flexibility and how the late, great maya angelou offered the best investing device i've ever heard so stick with cramer. >> don't miss a second of mad money. follow @jim cramer on twitter.

#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. this is a historic moment. demand has never been higher for what we do.

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regular viewers know i got a l lot, a result of 30 years in the money manage business. i have rules for investing and rules for trading and rules for what to do in a rally and sell off for picking winners and avoiding losers. that can be a lot to take in and as i mentioned before the point of all the rules is to help you learn from my mistakes and to develop your own judgment i just explained why you need to have a clear understanding of your own objectives before you start buying stocks. something more focused than merely trying to make some money so let's pretend that you have already done self-reflection and you know what you're trying to accomplish now you can start buying individual stocks. enough to fill out a diversified portfolio, right hold up. before you buy anything, i need you to do one more thing first you have to do the homework now i have covered this before i want to give you a quick

version right now. if you're going to invest enough money in the company for it to matter to your portfolio you need to know what the company does and how it makes it's money and how much money it makes t. internet made this whole process much easier. certainly when i first started this show, this is down at the light. you can go online and the sec filings that contain a wealth of information. you can listen to or read the transcripts of the conference calls which i regard as the best way and the key metrics that will drive stock listen to some opinions. but the actual research is part of learning the homework after a theory about why you think the stock is higher there's one final step you have to explain that theory to another living, human being doesn't have to be a

professional you can talk to your mom, kids, a friend the important thing that you put your thesis into words you can basically copy it yourself layout why you want to buy this thing and why it's headed higher if there's mayor holes in your theory and you rely on thinking a teenager will be able to catch that once you have done that though, then you are ready to pull the trigger. now any more than ten and you'll keep up with them all. the idea is that you should be able to do in in your spare time not that you'll turn moneyme management into your second or third job. i got two research assistants.

you're doing it yourself so let's assume that you own shares in a bunch of companies that you ybelieve in you now have a thesis for each one. there's no sector overlap. you have five to ten companies in distinct industries that don't tend to trade together diversification. in short you have what in theory is an ideal portfolio. what's the important thing for you to keep in mind. above and beyond everything else you need to know your perfect portfolio won't stay perfect for long the five to ten stocks you thought were winners unless you're lucky, not all of them will stay winners. some of them will be losers. some will do nothing and some of the companies that you liked will inevitably disappoint you what can i say the game is full of heartbreak which brings me to my next rule, always please, please try to stay flexible. you have to be flexible because bisby it's very nature is dynamic, not static. things do change markets change

new competitors will undercut existing players on price to take market share. customers cancel orders and unforseen events happen that make some stocks less attractive to the money managers that dominate the market. when something like this occurs. when a story of a company that you own shares in changes then you have to be willing to acknowledge that things are different. if your thesis is no longer intact if the reason you gave for buying a stock is no longer valid then you should sell this is why you need to explain your picks to another person so you can recognize when your original idea has stopped being workable for decades experts peddled the idea that when you buy a stock you need to be prepared to hold on to it until death of the universe how many times have you heard somebody say buy and hold.

don't get me wrong i'd love to buy a stock and hold it from here to eternity because the story pans out and the thing keeps going higher but if the story doesn't pan out and after a long time there's big changes in the industry, you have to be willing to sell. we would save people a lot of money. i bring this up because people hate, hate admitting when they made a mistake of course they hate selling anything because they worry about taxes but once we make up our minds and things are great we don't want the facts to get in the way of a good story, right? but you know what, you can't afford to fall in love with a stock. when you buy shares in a publicly traded company you're not joining that stock in holy matrimony. you don't swear to stick with it in sickness and health and richer and poorer. it's just a piece of paper acknowledge when something is changed. if you buy a stock because you believe the underlying company is going to take a ton of market share and if it fails to do so,

don't move the goal post on yourself don't search for new reasons to hang on. just get out of there. you must be willing to recognize that companies can take a turn for the worst. managements make mistakes and the company will now be worth twice as much. do you know what the mistake was? the guys running bed bath and beyond, they were flexible they kept buying back their own

stock in the mistaken belief that it would help when something goes wrong with the company that you own, be ready to start hoping and start selling. being unwilling to recognize a turn for the worse as bad as it might be always seems to lead to much larger losses than you have already accrued. the bottom line, let's bring it all together before you buy a stock, do some homework and come up with a thesis a reason why you think that stock is headed higher once you own it, please stay flexible if your thesis doesn't play out the way you expect it to, sell the stock. don't keep bashing your head against the wall just recognize that things don't always go your way and then sell, sell, sell. >> move on. >> booyah, jim. >> booyah, liam. >> i just had a quick question about index funds. >> sure. >> you say with certain stocks buy them at certain times. monthly or quarterly or at a good price does that apply to index funds because you say to purchase

$10,000. >> yes but remember what i'm really trying to do is it make so that you don't necessarily come in all at once. a lot of people put the money to work i like to space things out maybe try to catch, when you get a real downturn if you put all of your money in before you can't take advantage of it that's why i like to be flexible >> i like to own individual names in the tech space but i'm finding that the prices of these stocks are just too expensive so i have started looking at etfs and mutual funds as an affordable way to gain exposure to these names and i'd like to hear what your thoughts are on the matter what do you think? >> they may be buying the same stocks that you think are too pricey all you are doing is the same deal so you either have to decide that the market is too rich or

that group is too rich and therefore not to buy or of course you just say, you know what, i think a long-term deal and i'm not going to gain it and maybe down buy all at once matthew in arizona, matthew. >> hey, jim, how is it going >> i'm doing well. how about you, matt? >> i'm doing good. couldn't be better i have a thing for you, is it a good idea to invest in the government should it be a short-term investment or a long-term investment >> cash is short-term investment longer term you may be able to use the compounding. or thinking about treasury some young person and you do sound young, they don't fit. you need to take on more risk and not less you have your whole life to make up that money if you lose it come up with a thesis on why you think it's headed higher and once you own it please stay flexible much more mad money ahead.

there's not crying in it there's not crying in investing. i'm telling you why it's time to take emotions out of it when it comes to picking stocks. and then how the acclaimed poet gave me some of the best investment advice that i've ever heard. there's always a bull market somewhere every night and tonight i'm telling you where to find it. so stick with cramer

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>> let me just say if you don't feel like reflecting on what you need in the stock market, if you don't want to do the homework or watch the underlying companies and give up on their stocks when something goes wrong, nobody is forcing you to do that there is no gun to your head it's okay if stock picking is

not for you. and that's why van guard invented index funds it's why the dutch invented bonds for heaven's sake. and you can harness that engine and make it work for you if you know what you're doing all right? now a lot of this comes down to discipline the stuff i have been talking about all night but there's another ultra important component here call it the emotional side of the equation you need the right attitude toward the market because without the right attitude stocks will break you i mean, this is a brutal game and you need to make sure that you have the right headspace if you're going to play it. i cannot stress this enough. for many of you managing your emotions will be the hardest part of investing. harder than picking winners and harder than identifying new trends and harder than knowing when to cut your losses. why? because the market is a harsh

mistres. in times being in an abusive relationship but we keep coming back because long-term it is a great way to try to make money the thing is, unless you can predict the future you're going to make lots of mistake. it's inevitable and when mistakes lose you money, that can be very tough to handle. you need the patience of the dahli lama to not get upset when you buy a stock and it falls off a cliff. imagine what it was like for me at my old hedge fund before i mellowed out i was the opposite of the dahli lama i would flip out you didn't want to be around me on a down day. so i can tell you from experience this is not a productive attitude. i still made a lot of money but i know better than anybody that

constantly getting mad at yourself is not sustainable. it's okay to get mad or sad when the market pun ishes you with it's we haif yo i still do if it gets hit i feel awful. i do i can't get it out of my system but you know what, i have to you can't afford to punish yourself the market is brutal enough on its own. in other words get your head on straight your head matters in this. you need to have one every day making us do the wrong thing you will be in the wrong frame

of mind to spot the next opportunity. there's a lot of harmful recurring thoughts you can have that will mess with your judgment or if i had only staged chesapeake energy i could have made a fortune don't get hung up on that. don't get hung up on the would have, could have, should have. this is wasted damaging emotion that we're talking about it's destructive to the positive psychology that you're need when you're making investment decisions. i would be medicine hsmerized bs i got wrong. it wouldn't just be over, you know, i can put it out in a couple of hours. i'm talking about days on end. i don't do that. it took me a long time to learn but eventually i was able to see just how destructive playing the would have, could have, should have game could be

if you're an emotional guy like me you may need to trick yourself into a pattern of thought. and my desktop and mobile stock list just going in and just taking it right off. you look at it every day when you scroll down and it brings up the bad thought. get rid of it. just clear it out. if you like it so much buy it back for heaven's sake but don't tell me what you could have done or should have done. you didn't whether you walked into a big loss or missed out on a big gain it's irrelevant. stop beating yourself up for heaven's sake. bottom line, the stock market could be punishing enough. don't play the if only game. if you need help curbing this destructive thinking go to the extreme. take the stocks off your monitor or portfolio watch off your cell phone. you'll be surprised how much

better your decision making becomes when you stop the would have, should have, could have. devin in florida. >> hey, how is it going? >> real good how about you? >> good, good. >> what have you got >> all right so i'm 25 years old and maxing out a roth ira and i know that you have always suggested investing in low cost index funds. >> right. >> my question is should i be 100% in an s&p 500 index fund or should i be using multiple index funds to build a diversified portfolio. >> i think what you ought to do is think of it like this you should put the preponderance in an s&p 500 fund that's terrific. low cost and then after that pick one or two. i don't want you to be in mutual funds. that makes it even harder. basic bad rock s&p and a couple of others. maybe like health care maybe like tech. that would be my choices michael in california.

micha michael. >> hey, jim, thank you for taking my call. >> of course. >> i have a question about 401k plans. my company just put out their plan and being a novice when it comes to those kind of things i just wanted to know what percentage of my paycheck would be a starting amount to contribute. >> whatever the maximum you're allowed because what happens is that this -- if you use the power of time, the power of compounding, you will have so much more but you have to put it all in and i always advise people take the max, take the max, enough with the would have, should have, could have, people. don't play the if only game. you'll be surprised how much better your decision making is much more "mad money" ahead. i see your true colors shining through. it's not just a great song it's investment wisdom i'll tell you why. then i'm helping you find the bull market no matter where you have been hiding and i'm answering the questions on twitter. stay with cramer

if you see wires down, treat them all as if they are hot and energized. stay away from any downed wire, call 911 and call pg&e right after so we can both respond out and keep the public safe.

when someone shows you who they are believe them the first time i know she wasn't actually talking about publicly traded companies but man if the shoe fits wear it all night i have been trying to hammer home important bedrock principles of investing and this is another central ne. when some companies show you where they are believe them the first time when a ceo tells you the business is bad, take their word for it don't try to make excuses. don't bend over backwards finding justification so you can keep owning the stock of a company that's not delivering. just get the heck out. at least until the smoke clears and you can better assess the damage let me read you the rest of the quote.

there's another really valuable insight in here. she continues. people know themselves much better than you do that's why it's important to stop expecting them to be something other than who they are. company executives are going to know the business better than you will unless they're being negligent they have access to information that you don't they could spend 80 hours a week or more running their company. you have your own job and even if you manage money full time there aren't enough hours in the day for you to devote half of that time to a single stock in a diversified portfolio. that's why it's so important to listen to what they have to say. whether on the quarterly conference call or when they come visiting on our show or even someone else's show high level executives, they are your best resource i wouldn't have them on if i didn't think that. don't get me wrong, you can't just take everything that comes out of a ceos mouth as gospel. there's plenty of executives that are excessively promotional or talk like they had rose

colored glasses directly on their face i find that what i'm really looking for are people who aren't wearing these, okay these are actual rose colored glasses. anyway, i try to ask more skeptical questions whenever my alarm goes off during these interviews because i can't have you get snowed by watching the interviews that i do occasionally ceos can be misleading almost never flat out dishonest though because lying about material information is a crime. so sometimes you need to take what they say with a grain of salt if not a full carton of mortons iodized. but the more cynical among you would be surprised by how many straight shooters you'll find at the highest levels of corporate america. i don't want to be too cynical here and when we have someone on the show with a track record of being extremely candid and extremely reliable or both i tried to point it out. when something is going

incredibly arye. it might be a reason to buy. this would be a very profitable strategy to get right. let's take an example. when the bankable ceo of sales force.com came on the show during the depths of the great recession and told us his cloud based software company would be fine you had to grit your teeth and buy it from november of 2008 to july of 2019, sales force gave you a 1,900% gain and you had to get in it when he said things were fine when the former ceo game on february of 2010 and told us how he was going to turn things around, dominos was at $282. these guys deserve the benefit of the doubt if you didn't trust them you missed out on some monster

moves. it helps to have me say this because i talked to a lot of ceos more than anybody in the world. if management tells you that somebody is wrong you should take them extra special seriously. they figure they have to be baked in but in practice i found that other than rare exceptions the opposite is the case when business is so ugly that a company is forced to come out early and cut numbers it means there's more bad news ahead or they wouldn't say anything why? well it all comes back to maya angelou. believe them the first time. when management preannounces a bad quarter they're not just looking at the past. they're looking at the order book to their future if there was any hope that business would get better the company wouldn't have to cut numbers between regularly scheduled quarterly reports.

if they thought something could get better and not worse the next 30 days they'd keep their mouth shut and wait. preannouncements see the on going weakness that's going to continue that's why i recommend waiting 30 days to see if anything improved before you think about buying that kind of stock. this will keep you out of trouble because i can count on one hand the number of times when things got better within a month. you're going to miss great opportunities. there's a half dozen and sometimes the stock bottoms early but most of the time after 30 days you'll have side stepped another way down i know 30 days sounds arbitrary but i have done a lot of work home on this question and i found that it usually takes at least a month for the bad news to get fully baked into the stock price if not longer. the bottom line, sometimes it can seem like we live in a post truth world when it's impossible to know who to believe on any issue but even the most skeptical among you should believe them when they preannounced a earnings short fall they don't like slashing their own numbers.

they do it because they don't see much hope of things improving by the time the schedules report is next quarter. in the wake after a short fall you have to presume it won't be bouncing back any time soon. you should treat it as a following knife. you should trust her investment advise stick with cramer. sometimes, the pressures of today's world can make it tough to take care of yourself. but nature's bounty has innovative ways to help you maintain balance and help keep you active and well-rested. because hey, tomorrow's coming up fast. nature's bounty. because you're better off healthy.

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>> i spent a lot of time talking about the many ways that you can make mistakes and need to guard against them by knowing when to admit that you're wrong. the market makes mistakes every single day this is my next question for you. don't assume that the action makes sense. a lot of times stocks go up or down for the wrong reason or no reason or an outright stupid reason when the company reports earnings and the stock goes down there's a natural impulse to believe that the company must have disappointed and then

bounce back or vice versa which is why i'm always telling you not to jump to conclusions until after you have listened to the call it's a huge drag but it must be done especially in the middle of earnings season with hundreds of companies reporting every day the market makes a ton of mistakes but it's not just about errors in judgment the truth is that stock prices do not always reflect the underlying fundamentals. the actual facts and figures about how they're doing. the fundamentals are a big part of it. over the long-term i say the most important part which is why i spend so much time focussing on them or how to understand them but they're not the whole picture. you have to understand the stock market is first and foremost a market of stocks and just like any other market it's prone to all sorts of distortions when he wrote about the invisible hand of free market capitalism he forgot to mention

that it's the hand of someone with bad reflexes, lousy coordination and possibly a neurological disorder. prices do not somehow reflect reality all the time this is why it's possible to beat the averages by investing in the stocks. the market worked perfectly but you'd never be able to exploit opportunities. so why do i bring this up? because when the action is irrational it can be very frustrating. i don't want you giving up on the whole enterprise because nothing makes sense. that would be bad. greatest wealth engine ever

created. i spent a lot of time talking about the etf-ization. this is a major issue for the market you can bank on the fact that half of the stocks performance came from a sector and how wall street felt about it and it came from management in other words your average company is in control about half of its own destiny and this was a good situation for stock pickers as long as you made sure to avoid sectors that were out of favor with the wall street fashion show you can do well by researching companies and trying to predict which ones we do better than their competitors but the rise of etf, that's changed the equation especially sector etf but also ones like a dozen or so, like fang, our activitironymn even the stocks can get dragged down by etf driven riptide fang is the most ridiculous

example because when netflix catches a cold the other three stocks sneeze. even if netflix has little to do with the advertising based business of facebook if the worse company in an industry reports bad numbers the whole group goes down. you have to pass sometimes the market is obtuse you'll see good quarter after good quarter to no real effect yes things are going well. sometimes when the market makes a mistake it's not worth trying to fight it. while markets are irrational they can remain irrational

your goal is not to be right it's to make money sometimes that means being cynical about other people's expectations but heres the bottom line. don't just assume that stocks that go down deserve it. deserve has nothing to do with it the market is going to make mistakes your job is to recognize when it's doing something wrong and to try to take advantage of it stick with cramer. nce gives you the power to see every corner of your growing business. from finding out what's selling best... to managing your fleet... to collaborating remotely with your teams. giving you a nice big edge over your competition. that's the power of edge-to-edge intelligence.

>> why when a car named richard calls in do you say his name in a high pitch that's in reference to the movie tommy bo tommy boy. let's say a caller is named richard, we say richard. thank you. now a tweet underscores and he says any advice for new parents investing in something for a newborn child. so many options out there. that's the way to do it. buy growth stocks. they have their whole lives ahead to make the money back

buy high quality growth stocks the likes of which we talked about all the time on this show. next up is a tweet and she says @madmoney on cnbc, i work with male teens and they think you sound like master yoda i'm learning and so are they thank you, you're awesom awesome @jimcramer -- okay that's why my wife loves me so much here's a tweet other than banks who benefits from raising interest rates? well, you know what, not really many other companies i think people think the economies are strong and buy the industrials

they make more money from your deposits and lend them when rates are going higher i love get rich carefully. will you be writing another book any time soon? >> i have to tell you, the economics of book publishing has changed radically. i'll work most nights and almost every weekend and read the book and used to be a very lucrative business to write books. she says i may not watc watch @madmoney on cnbc. but when i do i take notes so i can do research later. i will say this, people who are

elderly who play the stock market they always come out with these long lists of what they took down. and i think it's terrific. younger people don't know how to write down on a piece of paper anymore. they have no list because they have no pencil and they have no paper. here's a tweet from @clean pros one, can you explain annuity investments? i'm 43 with a decent retirement nest egg annuities are better off than individual stocks or etfs. i would say and my friend would say pick individual stocks and term life insurance is a fantastic buy so you're doing things right but i'd like you to be in control of your december anies and here's a tweet fro from @gearhead 531, what is

going on with inexpensive stocks with high yields for example a $7 stock with 11% yield. thank you, love the show what's going on there is a classic red flag meaning that people have gotten way too complacent and when a dividend is that high it's often unsustainable. i want you to be careful in that kind of situation. do you suggest reading for a young first time investor. i want you to go to amazon and i want you to hit up the name peter lynch and look at one up on wall street that's the book i cut my teeth on it's the book that you can cut your teeth on. all right. well, that's all our tweets so stick with cramer. so it's simple and transparent with a new level of privacy and security. it lives here and here. and it will save you 6% on products at apple;

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

male announcer: thewon't be intimidated.nker - her job is strictly business. it's numbers. she doesn't give you a gift. announcer: but will businesswoman ally teixeira stand strong with her mba strategy? - be nice, ms. banker. - there's guarantee and there's risk. - i'm willing to take the risk. announcer: can she cut through the ice... - one case could change everything. - my gut tells me there's more money. i'm gonna say no deal. - wow. announcer: and make her sweetest dreams come true? - i'm starting a diary-free ice cream business. - you say it's gluten-free, it's diary-free, so it might be goodness-free. announcer: or will her shot at a million melt away?