To beat this disease maybe it even needs a bear market which is where we are today and the dow plunged and s p and nasdaq nose dived 4. 7 coron as coronavirus is a Public Health crisis wreaking havoc all over the country and it hasnt effected that many people yet but we know it will. And we thought we could keep it out and then thought it could be contained and then as it kept spreading we were told there was no big deal. Theres so few cases and so few why all the fuss and we discovered the Term Community spread we heard about the outbreak in Washington State and then the suburbs of new york and then the fiasco it dawned on us when they say novel as novel coronavirus, novel means we have no immunity to it. We have no vaccine if you dont, try not to get it. We have no tamiflu once you get it were all against this unseen nightmare. Novel, steven king novel all right. Were cancelling big Public Events what happens next. The two ways to do this, two ways to play it, pile on once again and tell you this is all over, it will be easy to say the bear is back and the bull is dead i have heard that a lot or i could offer a more constructive view and things do occasionally go right. Tonight i want to take the second approach, the constructive one why . Because i have been bearish for a month and a half now i started warning about the coronavirus, i wanted to see the super bowl but i came home so i could play a tape the next morning of one of our favorite investors that taught me a lot at Goldman Sachs saying they changed for the worse. I told you repeatedly that i hated the oil stocks just the worst of all stock with the exception of cruise lines. They were uninvestable over and over again down 71 for the year and everyone i know everywhere i go people have given up they want to sell everything and they want me to tell you to sell everything maybe you want me to tell you. No, im not. So you dont need more bearishness from me. You need to know what could happen that would make me positive so what could still go right let me start with a caveat thats so important. Were a Business Network the Federal Reserve is not on the list despite the insistence of money managers, whatever is going on, but over and over again here is the thing. They cant it just doesnt matter you cant solve a Public Health crisis with Monetary Policy those arent bad ideas but they probably wont be to move the needle we need massive fiscal stimulus. What can you go right . That matters first we need to flatten the curve. Most americans will probably get this disease but when we get it, when we get it matters when if everyone gets it once our Health Care System will be overwhelmed like were seeing in italy. Crowds getting away from them and stop going out and no fans at ncaa games. No more college, done. No more late night talk show crowds anything to stop congregating. Maybe including nba and Major League Baseball and any and all conventions and fundraisers stop traveling unless its essential. If we do that, we can beat them. So its going to cause a recession. I told you that. Many people will be hurt financially but our Health Care System wont be overwhelmed and a lot more sick people will live stop acting like everything is normal because its not. It wont kill you to stay home it actually might save you two our scientists can still solve this he helped turned aids from a death sentence in that condition. He never said the virus under control and maybe they can come up with antivirals. Get a Manhattan Project going. More real itse more realistically we need to flood Community Health organizations with the billions of dollars they need to do their job. We need a malcolm x approach to this as in by any means necessary. Novel drugs to fight a novel virus. Hope for the best, prepare for the worst. We dont know whether this virus, what it will do when it gets warm although its still striking people in warmer climates but if we slow the spread, flatten the curve, maybe we can get through the summer without horrific causalities and overwhelming the Public Health system fourth something major from the federal government not a payroll tax cut. We need to pay people to not work maybe give them 1,500 each. Something for student loans. How about that thats 7 trillion moritorium think about that how about a Sovereign Wealth Fund for pennies on the dollar at this point you need to think outside of the box that doesnt work. This is different. With Interest Rates so low, the government can get away with spending fortunes here hundreds of billions of dollars. Whatever it takes. The rates are the lowest ever anyway maybe well get positive breaks on the business front. We need it what if boeing gets approval of a 737 max. That could be huge even if theres not a lot of demand from airlines at this point maybe companies yielding 4 or 5 because not all the dividends are phony. Some are safe. That can go right. This could happen. Its not pie in the sky. All that said, im still pretty bearish about the averages im convinced this market wont stop declining until the lows of december 2018. Those are still a long way off the s p 500 currently at 2741. It could find 2350 dow went to 21,712 now its 23,553. Of course many stocks will bottom before those levels thats why we still talk about stocks worlth bth buying on the. If you need money for the next year or two, maybe actually sell something until you have enough cash for your peace of mind. I think you should be putting your cash to work, slowly to slow down stocks and drugs and utilities and maybe the higher names that dont need a stronger economy. And please, i know that im a broken record, buy gold. By the way, okay theres nothing more important than trying to stay home wash your hands and get your supplies if you need to go out, wash your hands some more. Dont touch your face. Wash your hands. Dont shake hands. Hopefully we can stagger this thing out and our scientist will come up with something to stop or at least slow the pread and a recession but its the best we can do chuck in arizona. I have been better. Ups, 119, so im down about 30 on it. And now down to about 88 my question is, do you think i should buy some or wait a little sbit thats 4. 5 its down 25 . Its at 87 now probably next stage would be 82 and then 76. Debbie in ohio, debbie hi, jim, how are you . Health insurance officials and said the industry would raise fees for testing and also treatments, do you feel the Health Industry stocks are a good investment . Theyre a better investment than they were because of the potential demise of the Bernie Campaign they have run up in the idea that biden is going to be the nominee and not bernie they havent cooled off yet. Lets go to lou. Hi, jim, how are you today . Its been a long day frankly, how about you . Pretty good im a longterm stockholder, i have been down from the 50s to todays below 40 close do you still believe in it for the next five to ten years and do you think thats still im worried about it. You know i have to tell you, the numbers have not been good she revised her forecast and then i read a piece yesterday obviously about the health risks at Nursing Homes all right. Theres two ways to play the event here that is the coronavirus. I think you should be putting your cash to work very very slowly in some of the names that we have suggested. Theres two stocks on the dow 30 that i like. But i like them. On mad money tonight, if cruise lines and airlines are all in trouble what does it mean for bank stocks . And with the dow in bear market mode im going stock by stock to help you make sense of the index. And after another dramatic sell off is it time to be more constructive when searching for actual buying opportunities. So im going to eye an under the Radar Software company so stay with cramer. Dont miss a second of mad money, follow jim cramer on twitter. Have a question, tweet cramer, hashtag mad tweets send him an email to madmoney cnbc. Com. Or give us a call. 1800743cnbc miss something in head to mad money. Cnbc. Com but in my mind im still 25. Thats why i take osteo biflex, to keep me moving the way i was made to. It nourishes and strengthens my joints for the long term. Osteo biflex now in triple strength plus magnesium. But when allergies attack,f any the excitement fades. 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[ barking ] why are the bank stocks so vulnerable every time the market boils over the financials could crush they were bent and mutilated cruise lines might be banning customers for safety reasons the last place that you want to be during a pandemic is a cruise ship it will be a long time before they come back from this a group thats in the cross hairs of russia and saudi arabia and a vicious price war. The decline was so swift that they already had to shred the dividend im betting others will follow the retailers and the restaurants are likely to suffer as fewer people go out and takes over how about the airlines with gigantic capital costs nobody wants to travel all the airlines are better than in the old days. They never seem to have enough cash to tide themselves over when people stop flying and like the big industrials and Technology Companies that are finding it hard to close deals as enterprises rarely cut back on Capital Spending to preserve cash and face to face meetings are now hard to come by. So lets see, if the banks dont have any of these problems, why are there stocks such dogs simple they might not be suffering like the cruise lines or Oil Producers or retailers or the airlines but do you know what all of those groups have in common they owe the banks a lot of money and now because of the flattened yield curve the banks are making risky loans it could be ridiculously low prices and Interest Rates. On monday one of our absolute favorite companies, norwegian cruise lines or 675 million from jp morgan their client, jp morgan is going to help his clients buy from bad times and good times theyre good bankers and thats what they do what happens if the virus is raging and customers dont come back it is a very well run company our governments chief epidemiologist is saying the elderly should avoid cruises thats not inspiring for the elderly or for that matter younger people either. It doesnt help that so many of these ships seem like floating petri dishes or even hospital ships from the look at them. Theyre just frightening masses. Sure the president pledged to help troubling Industries Like the cruise lines maybe low interest loans from the government a bailout of cruise lines. Who gets hurt . Id say its the lenders like jp morgan every one of these industries takes down debt. Every one of these industries is shall we say suspect now if cruise lines and restaurants and retailers are in trouble so are the bankers. If i owe you a Million Dollars thats a me problem. If i owe you billions of dollars, thats a you problem. Donald trump when i was reading about him and the casinos, now you can argue and they had plenty of fees and back to full yields because the stocks are falling so much and they can stop buying back to fund those dividends but in the end the yield curve and risk of those loans going bad, i mean, therefore the stocks could be awful investments and i cannot figure out how to value them right now but all of these industries struggling that are their clients and from the looks of things no one else can either stick with cramer. Yes. The first word to any adventure. But when allergies and congestion strike, take allegrad. A nondrowsy antihistamine plus a powerful decongestant. So you can always say yes to putting your true colors on display. Say yes to allegrad. Doprevagen is the number oneild mempharmacistrecommendeding . To putting your true colors on display. Memory support brand. You can find it in the vitamin aisle in stores everywhere. Prevagen. Healthier brain. Better life. [spokesman] if youve tried colleg group cheering shed, snhu lets you transfer up to 90 credits toward you bachelors degree. [woman] it doesnt matter how old you are, you can do it, you can finish. [spokesman] finish your degree at snhu. Edu dont just plan to retire. Plan to live. An annuity helps cover your essential monthly expenses, so youre free to live the life you want. Find out how an annuity can give you Lifetime Income at protectedincome. Org can give you Lifetime Income with pizza huts new mozzarella poppers pizza you can switch between 16 fried Mozzarella Bites and a large pizza. Pizza, then app. App, then pizza. Its your world. Were just making pizza in it. Hurry and try it before its gone. No one outpizzas the hut. You cannot hide in the Dow Jones Industrial average its what kind of stock we bought on the way out of here and thats why we have been going through this whole index this week wow, a textbook example of the kind of stock you want to buy. A Pharmaceutical Company pfizers got businesses with drugs that are about to go off and when the deal is done later this year you have a Brand New Company with much faster growth. Nice catalyst. I like it. Second, Procter Gamble now they already told us there could be down side to its numbers thanks to copd19. They said that in a conference earlier this year. Any company thats called out the damage is likely to be those that havent stocks had a big run from the bottom i would say it would be worth buying at lower levels but not here third, giant insurance company, the problem with insurance is they take your premiums and then invest it to get a better return they cant get much return these days and the stock market well obviously thats a disaster. I suspect the numbers for travelers are just too high. You cant own stocks where the numbers are too high and no. Fourth, united technologies, its about to merge and then split the company and aerospace and elevator business and Climate Control business the elevator business is not there. Who cares about Controlling Energy costs this really isnt the kind of business that you want to own going into recession no thanks. It was thanks to the apparent demise of Bernie Sanders well, at least the president ial campaign right . Hes still in but i dont regard it as viable we get hit with the coronavirus which makes the earnings uncertain. However, im betting you can navigate these troubled waters this company is sensational but the stock was lower a few weeks ago. So theres risk here to me you leave room at lower levels just in case the bjoe biden coampaign stops. Very reasonable and safe 4. 5 yield plus the government blessed the tmobile sprint merger i know, i know, sprint and tmobile says it wasnt their intention but thats the whole point of acquiring it. Probably wireless consumers like you. Think of verizon as an extremely well run utility you should buy it here and double down if it sinks to 49. 7th, visa, credit card but we are interested and the truth is that a coronavirus recession means more consumer spending. However the stock has already fallen in a matter of weeks. So, no no way stock is so expensive selling for 28 times earnings. That does reflect the worldwide slow down. Its trading down to where it was a year ago possibly even lower. 8th is walgreens oh, man with bad stock nothing but trouble. Its retailers being ripped to shreds and who the heck knows it seems tempting. It was only one problem. I dont think walgreens can hit the earnings estimates for this year for next year. And it will find stock going lower no matter what the dividend is. Having a high yield and low price to earnings is not protection here. I want growth. Walgreens doesnt have it. Believe me that dividend will not protect you. Id much rather own cbs which has 3. 3 yield but real growth thanks to its merger with aetna. Now 9th walmart. This is a stock that i have been a big fan of but right now its too low people keep gravitating to the stock though and with good reason one of my absolute favorite strategists at Goldman Sachs and he was on squawk this morning just did some excellent work demonstrating that walmart out performs in the event of a downturn and a downturn is where we are headed. Hes using a case thats pretty close to the levels i have been looking for. Remember im telling you that were going to go back to the late lows, late december 2018 lows of the Jerome Powell bear market right now walmart is at 114. Its better. Since those lows, walmart delivered a series of surprises and felt an online strategy that i really like. Cant compete with amazon using its stores as virtual warehouses well, the staff, the stores have never looked better. I went to one recently and said wow thats why the stock climbed to 125 at its highs. I dont see it going that low later. The problem is walt disney painful. I love disney. The company has been amazing hit movies, theme park rides, but weighed down by the cable business, especially espn which had been ghuge before cord cutting became the thing disney turned things around with a role in their highly successful streaming Service Disney plus and caught fire. A no, maam in a winner but then copd19 came along i fear they might have to close the parks to contain the outbreak and thats why disney has been so ravaged but im betting the stock will be incredible waiting for the other shoe to drop for my charitable park. You can follow what im up to my joining the action alerts plus. Com and ithink only cocacola, Goldman Sachs, jp morgan, microsoft, united health, make any sense here and dow components thats only two of them. I think the rest are hidden lower and i dont like you trying to catch the we keep it here for these moments. The rest of the dow, well, here you o. Its okay its the only chinese stock that im recommending china is amazingly ahead of us in this disease that came from china and thats because they did some draconian moves to contain it alibaba is going to do well. Lets go to scott in florida. A big booyah from sunny boca raton. Do you know who used to love it my former partner larry kudlow he used to talk about it all the time. Thank you for keeping us sane through all the Turbulent Times and reminding us to never panic. Today im asking for dr. Cramers diagnosis on Sister Company and dividend aristocrat. Well, he is a titan now hes chairman and hes going to be giving up with robert ford the stocks down 2 and 7 it is a marvelous stock and if you wanted to buy it again i like it. Remember i like drug stocks, medical Device Companies and i like the super high growth and i think the utilities and the rest i have to sell to you and abbott is one of them that i like and i think people of all ages should like abbott labs all right. Now i know theres not that muc to work with here. I did find two i got the pfizer and the verizon. Two out of 30 aint bad. You can pick the higher yielding names too. But not at all one level by the way, this is the problem, right . That i have 2 out of 30 that i say buy tomorrow im going to get a firsthand look at the financials they have even been here dont miss my exclusive with the ceo. And as the market is getting hit im on the hunt for stocks that can work even at a much tougher environment. Tonight im revealing a newly minted company that can work here, wow and all of your calls rapid fire in tonights never tiring always enthusiastic lightning round. So stay with cramer. Do you have concerns about mild memory loss related to aging . Prevagen is the number one pharmacistrecommended memory support brand. You can find it in the vitamin aisle in stores everywhere. Prevagen. Healthier brain. Better life. Robinwithout the commission fees. So, you can start investing today wherever you are even hanging with your dog. So, what are you waiting for . Download now and get your first stock on us. Robinhood. 1 in 4 of us millennials have debt we might die with. And most of that debt is actually from credit cards. Its just not right. But with sofi, you can get your credit cards right by consolidating your Credit Card Debt into one monthly payment. Including your Interest Rate right by locking in a fixed low rate today. And you can get your money right with sofi. Check your rate in two minutes or less. Get a nofee personal loan up to 100k. Its a Software Company with Service Providers and Health Care Companies by giving them tools they need. The processing and functions like trading and modeling. Now a month ago reported an excellent quarter solid guidance good growth. The stocks lost 31 of its value even though the business shouldnt be that impacted by a corona induced slow down lets check in with bill, the founder and ceo of s and c technologies, thats ssnc technologies to get a better sense of how his company is doing and how its navigating customers through a period of volatility and youre a keeper of a lot of different assets what are you seeing, sir well, i think that as Everybody Knows the volatility has gotten people a little bit so were seeing people hunker down and at the same time a lot of our investment and theyre looking for opportunities. Thats important. Because were thinking a mode gripped by panic and fear and investors who obviously is the administrator keep track of everything theres still money coming in and theyre still people doing something. Your clients arent frozen you and i are both here and were getting paid to do this so some of the things that people realize is money still being made and we generally put it in a financial asset. Well, as i said we want some great deals and we have a great sales force that work hard at it so far were plowing through q1 as best we can and we have some optimism. As the algorythmics from ibm, how is that fitting into your plans in 2020 so far were really feeling that its a real wise one because of the talent that we got we have about 350 people that are, you know, strong, strong and a lot of ph. D. S. A lot of expertise and i think we think were going to be able to marry them with all of the data we have and come out with some very interesting products. Now, would that be, we hear about funds or is this a way to provide more information to your customers. Its more information to our customers. We also have a spider distributor as well as an asset manager and and hes really excited to add more things like analytics. Now i guess i could have desperately needed you i did a lot of stuff that was administrative discovering that the data that you have and the protections that you have is that they save a lot of money if they just hire you . I believe were making a lot of traction along that i think one of the products that you used early on showed you an intraday p and l when you make decisions as fast as people like you make, you want to have stuff thats really up to date. Im just curious because we have to give them whats going on how are you able to manage your staff. Are you splitting people up and do you have them in different buildings . What are you doing to make sure that you give your clients the Security Protection they need in an era where workers are getting sick we have a thousand people in manhattan and 10,000 people in india and 5,000 people around Greater London so were used to having people work remote and a pretty big group in china and hong kong. They have been working for a few weeks so we have been able to manage and Pay Attention to Customer Service and make that our priority. No degradation by having people work at home, huh i wouldnt say that theres none i would say that its been minimal. Thats good to know bill stone, chairman and ceo, thank you for coming on mad money, sir 4. 6 growth. When it comes to taking different positions, i dont know, maybe we have to think about opportunity. Mad money is back after this [narrator] at Southern New Hampshire university, were committed to making college more affordable. Thats why were keeping our tuition the same through the year 2021. 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Hey, jim, thank you for your time, man. No problem. My question is its more of that than livestock. That story is going to be resis tent to recession. The stock is up over time so i would buy it on the way down but i do like it lets go to roy in california and theyre probably going to sell it anyway this is the market while its a high growth stock which i like its going up so much over multiple years and thats what i do want you to buy this is a way for companies to save money dean in nebraska, dean yes, how are you this afternoon . Long day. Doing okay how about you . Well. That wasnt like that how do you like that . Ill tell you what, theyre a great ceo and thats about finding people in the Health Care System. Could you think of a better moment for temporary health care i dont think i can. Im not done i want to go to jack in ohio, jack need your help jimmy. They have a good track record of paying the dividend which im already in one oak is souchuch a good compy it would be the last one that would cut but they could cut because youre talking about cutting the cap ex what am i going to do here if you have to own one of these, one oak would be the one to do it it is the most conservative but that group is its nsh, not so hot. Lets go to gene in maryland. Jim, my eagle brother. Bp is tough my Charitable Trust owns it. A little sliver of it and its just nasty and horrible. It stinks. And that ladies and gentlemen is the conclusion of lightning round. The lightning round is sponsored by t. D. Ameritrade were hunting for stocks that could work in a much tougher environment and have something that isnt with it every day. You probably dont know it its the symbol, take it down, sdgr it became public a month ago and i told you to stay away from casper who are you going to call . Ghost busters. Had a very different trajectory though. This is a Technology Company often mislabeled and it makes tools from lifesize industry specifically the leading one and youre trying to discover them and you need to design the molecules. And you know everybody seems to be trying to get this one solved predicting how the new compounds will work, this is where they come in. They created efficient space platform that lets Drug Companies model how the molecules will behave with a high degree and one of the most promising compounds. Thats how technology can cut discovery time in half and you often talk about how fast things are going. Its basically for more than just drugs aerospace energies to make electronic displays. In fact theyre so confident in their system that theyre going to develop their own drugs right now their focus on targets and dna damage response pathways and genetically defined cancers. This is a great business and moreimportantly its resist. If anything the Global Pandemic is the kind of thing that might make them want to step off their Research Efforts the first day of trading in 28 and change and then by february 21st, its 50. Thats what the market wanted. I am assumed this is one i was asked about it a little less than two weeks ago. One reason that i hesitated to recommend it is it was trading up at 46 tha thanks to the coronavirus its been crushed its right back to where it was trading only a few days after it became public. In other words you are getting a very goodbye opportunity here if the market keeps being pulverized, please buy it gradually on the way down but it has hypergrowth and thats why i keep saying i like it. I do think that its worth owning considering the financials the total revenue is 21. 5 clip in 2019. Not that impressive but when you drill down theres two big divisions. Theres software and Drug Discovery where they have closer partnerships the Drug Discovery business was on fire. It was up 231 year over year. Meanwhile, management gave us preliminary guidance for the Fourth Quarter and we saw a massive axcelleration. It sped up to more than 48 in the Fourth Quarter with the slower softer business up 26 and the Drug Discovery business more than doubling that Fourth Quarter forecast is the reason why the stock caught fire after it became public. Wall street loves accelerating Revenue Growth that makes sense and the recent pull back. Im calling it a gift here why . I speak to a lot of Biotech Companies because of the coronavirus. If you have anything good for me, please, im convinced that its the future of medicine. Let me put this business in the context of something easily accessible its trying to become a biotech butterfly but if you think of it as an essential arms dealer to the biopharma industry the stock could have a lot more room to run. Especially with the recent beat down i dont know why anything will bottom with this pandemic. Nobody does. Its terrifying the markets but i think stocks represent a smart bet if youre worried about a Public Health crisis causing a recession. And thats why i recommend buying this one. In stages on the way down, the near term just too hard to forecast for the stock and not for the company because i like where he is headed and the economic risk is a heck of a lot less than almost any company i follow. Stick with cramer. Edgetoedge intelligence gives you the power to see every corner of your growing business. From finding out whats selling best. To managing your fleet. To collaborating remotely with your teams. Giving you a nice big edge over your competition. Thats the power of edgetoedge intelligence. Maybe it will take a recession to beat this thing that is what it takes. It is worth it but we will win. It is just that we have to be a lot more draconian and that may mean that your stocks could go down in order to win i hate to say. That may be the way it has to be like to say theres always a bull market somewhere. I promise to find it for you on mad money. Our special markets in turmoil starts right now one way women can feel better about their finances is by talking about money. When we discuss how were spending, saving, and investing, we can look out for one another and bank on ourselves. Good evening, im scott wapner this is day 73 of the Coronavirus Crisis stocks taking another dive and the president set to speak tonight. The World Health Organization declared the virus a Global Pandemic as the number of cases around the globe grows. Cases spiking. More market stress. More liquidity stress. Be careful out there is what i tell people. The market tumbling. Dow is down more than 5 today officially entering a bear market. Fear on wall street and main street the dow dropping more than 1400 points