Mad money. You cant afford to miss it. Hey, im cramer. Welcome to mad money. Welcome to cramerica. Other people want to make friends. Im just trying to save you some money. My job is not just to entertain you but im trying to teach and coach you. So call me at 1800743cnbc. In recent years stocks have become more hated, hated more than any time i can remember in my entire career. Spans a lot of time but you know what . I still believe anyone can turn a profit in the stock market, as long as youre willing to put in the time and the effort to keep track of what you own. I wouldnt come out here every night to try to educate you if i didnt think it was not just theoretically possible but actually feasible for the vast majority of people to succeed at managing their own money. So if thats the case, then why is investing so darn difficult . How come so many People Struggle to make money in the stock market . How the heck can i believe it possible for you to beat the averages, the big benchmarks, when so many people and Fund Managers fail to do so . Simple. You can do it but you have to do it the right way. One of the biggest obstacles to successful investing is a lack of clarity about just what investing is supposed to mean. I have seen countless people try to follow the conventional wisdom about money management, only to have their investments wiped out because the conventional wisdom is wrong. And the worst part is those people had no idea they were making a mistake. They actually thought they were being responsible. In other words, to borrow a phrase from Cool Hand Luke what weve got here is failure to communicate. And im saying it boss. Thats why tonight i want to demystify the concept of longterm investing, an idea that has been misinterpreted so often, in so many ways that its become a hindrance more than a help. Tonight im setting you straight. Here were about longterm investing but theres a serious problem with this notion that goes like this. Too often people let the concept of longterm investing get in the way of investing. If you think longterm investing is about making boatloads of money over years, decades, a lifetime, thats something i can teach you how to do. However, theres a darker side to this concept. All too often ive seen people invoke longterm investing as an excuse, an alibi, either for poor performance the house of pain or for not paying attention to what they own. You often hear you shouldnt worry about your losses or what youre losing in the present. Youll make back the money with long term gains. Sometimes absolutely true. But most of the time losing money month after month or year after year, that isnt a good recipe for making money over a longterm horizon. But longterm losses dont magically turn into longterm gains if you wait long enough. Making money over the long haul is the ultimate goal in this game butch its also become the alibi for shortterm losses. That kind of thinking will only make you a worse investor, not a better one. Before i can teach you how to invest for the long term, i have to disabuse you of all of the allegedly longterm alibis that you have been fed for ages. At what points do you need to cover your ears and tie yourself to the mast so that the you wont listen to the conventional wisdom and end up steering your portfolio on to the rocks . First and most important, longterm investing is not the same as simply owning stocks for a long time. In other words, dont confuse being a good investor with the idiotic ideology of buy and hold, or as i dub it, buy and forget. This one bad idea has lost people more money than the last two financial crises combined. And just because you have a long term horizon and the losses are unrealized, it doesnt make them into gainers or even potential gainers. Losses are losses, realized or otherwise. And the notion of being in something for the long term doesnt justify owning damaged goods. The stocks are in bad shape and will eventually recover . Hey, damaged goods. The idea behind buy and hold is once you purchase your stocks, you just wait. Me, ive never liked waiting and it also happens to be a terrible strategy. Thats why im saying you have to keep track of your investments. You have to do that ridiculously hard and time consuming homework. Its not that hard and you have to listen to the quarterly calls and much of the research that used to be available only in those paying millions of commissions are now found on the web, like Yahoo Finance guide, cnbc. Com, the street, they all got it. Its worth your reading. Its your money. Please invest the time in it. The advocates of buy and hold act like you have a license not to Pay Attention to the short term. Its like you have a birthright. I can buy a stock and that allows me to not do homework. But you always have to Pay Attention. The moment you stop is the moment you stop losing money. Youll never be able to recover from those losses until you get engaged with your portfolio again. Youre not stupid. You can get engaged and you can do this. Sometimes companies go into whats known as secular decline and their stocks never recover. In that case you just have to get out before the damage becomes too horrific. Yes, polaroid, kodak, research in motion, nokia, how about radio shack. That was a good one, or supervalue. All the way down we were told long term youre fine or in other words, being a longterm investor doesnt give you a license to be a lazy and apathetic investors. Ask anyone who owned stocks through the misery and horror of the crash in 2008 and 2009 knows it doesnt work. If theres one good thing the crash did, it disabused people of the idea you could buy and hold stocks to eternity. Still, from the stories i read, and some pundits, the lessons are already being forgotten. I cant have that happen, not on my mad money watch. Ive always opposed buy and hold. In this brave new world, many of the people who foolishly espouse this philosophy have tried to change this tune. It doesnt mean write off the idea of longterm investing and that stocks cant make you money over an extended period of time, although thats what many of you might think if you confuse longterm investing with buy and hold investing. Stocks are still the best way to make money for your retirement, 529 plan for education. Especially stocks with dividends, the kind of dividend payers i highlight in getting back to even. Thats good investing. Youll never get any of those things if you use longterm horizon as an excuse or alibi to hold them, something you wont know about if you buy and forget. Heres the bottom line, longterm investing has gotten mixed up with a lot of bad ideas over the years. It doesnt mean its impossible or not worth trying. As long as you remember that saying, hey, come on, im a longterm investor is no excuse for not doing the homework or following the rules. In anything, being in stocks for the long term requires more diligence and more patience than if youre in there for the short term, so dont throw away all the lessons that i teach you. Youre going to need them. To paraphrase that fabulous poetic amateur investor and world renowned beauty gertrude stein, a loss is a loss is a loss, unrealized or otherwise, and dont you forget it. Bill in florida. Caller yes, jim. Nice to talk to you. Same. Caller im a retiree. Im very concerned about the future. Theres so much uncertainty, in taxes and inflation is a big concern of mine. Is there anything i can do at my age to protect myself from all these uncertainties . Youre a person who does have to heed my 20 in gld and gold bullion. I think the defense is right to have. Im not going to tell you to buy bonds that yield 2 . I think gold is going to be the best defense you have against the worries that you just outlined. Lets go to anthony in virginia, please. Anthony . Caller Washington Redskins booyah rg3 nation stand up. Dan snyder is your owner. Have you thought about that at all . Caller i have a quick question. Sure. Caller when the market is overbought, should i stay on the sidelines or go for the longterm . When its overbought, my own rule is that were plus five on the oscillator, if were very overbought, hey, take a pass. Another time will come. However, you can get started small and hope it comes back if you just cant resist. Sam in ohio. Sam. Caller hey, jim. Big glass city booyah to you. Loving it. Whats up . Caller i got a question. Ive been looking at a couple utility stocks, looking at either going with preferred instead of the common shares. I wanted to get your opinion on what might be better. No, come on, man, we want upside. A lot of these utilities should have to be fabulous Growth Stocks, particularly in a growth economy. Lets just own them outright, well do just fine. Of course i want you in this market for the long run. You cant beat those High Frequency traders. Give me a break. I want longterm investing, but that does not mean buy and forget. For the long haul, do not throw out the rules. Keep doing the homework. Be sure that youre in the right merchandise and stay with cramer. Doesnt miss a second of mad money. Follow jimcramer on twitter. Send jim an email to madmoney cnbc. Com. Or give us a call. Miss something . Head to madmoney. Cnbc. Com. Lets talk the price is right. No, not the game show with bob barker. Im talking about the stocks you have. If you want to make money from your stocks, its critical that you buy them at the right price. Thats true whether youre making shortterm trades or purchasing something that if everything goes right you expect to hold for years and years. The price still matters. When you pay too much for a stock, you make it vastly more difficult to rack up the kind of gains that you and i want, the ones we cant get enough of here on mad money. If you get the price wrong, you my not make anything at all. Tonight im giving the power of price its due. So how do you find the best price to pull the trigger given how important i think it is . When youre investing for the long haul, you have one huge advantage over people using a shorter horizon, a resource traders dont have the luxury of exploiting. Im talking about time. As the longer term investor, youve got all the time in the world. When you want to buy a stock because you like the Underlying Companys prospects, and when there are no near term catalysts that could drive the share price up any time soon, thats a recipe for being patient. You dont have to pay the price the market is giving you at that very moment, you can be patient and wait for the stock to come down to your price before you do this. Of course youre never going to get an all clear signal telling you that its time to buy. So how exactly are you supposed to know how long you should wait before you pull that trigger . Simple. No, dont know. This is where you have to embrace the theory of ignorance. We dont know when a stock or market will give us the ideal time. Most likely youll get frustrated and then youll dump the whole position a point or two down instead of using the weakness to buy more. I studied thousands of trades in my time. In short, there is no right price but if you build up your position in small increments, patiently picking up more shares over weeks and months, then you can avoid paying the wrong price. And thats more important. Thats why back at my old hedge fund, you can follow along because i play with an open hand, not a lady gaga style poker face, i always like to buy with whats known as wide scales on the way down. Authentic wall street jibberish. Buying with wide scales on the way down describes the way to purchase a declining stock or stock that youre afraid is going to to go down in the stock market in general while it approaches the bottom. This is the way to do it without getting discouraged. Its practically impossible to call a perfect bottom in an individual stock. Ive rarely seen it. The odds of being wrong are too high. Instead, the smart move, the way the pros do it and the way you should do it is to buy incrementally on the way down, and the big guy does this, believe me. Its your insurance against the potential bad judgment of thinking you know the stock is really done going down and you want to be all in because youre so darn sure that youre getting in on the ground floor. In this deal you have to assume theres a basement if not several subbasements. This helps you get around the difficulty of timing the market exactly and theres a trick. Its something ive used over time. Say you want to buy 400 shares of caterpillar, saying its trading at 90. If it trades down to 85, youre going to feel like a stooge. And worse, youll have lost two grand in practically the blink of an eye. Thats why we dont do that. Start small, maybe you buy 100 shares at 90. Then you wait for a pullback. You have a better entry point. You buy the next hundred shares, if cat drops to say 81 and you put on the final hundred, if the stock sinks below 80, you know what, you got a pretty good basis. Basis matters. Basis is price. The worst case scenario, caterpillar goes higher and you make a little money. And when you decide to sell it, you should unload it incrementally into strength. But, oh, boy, i sold it all and then had it a big move. Eliminate that thinking. Now lets talk about scales. If youre buying a company thats sinking a little lower every day, it could be good because you can buy it with strict or wide scales. Whats the difference . If you are using strict scales, you would buy say a thousand shares of time, the stock loses a point. Each time the essence of strict scales is you buy in the same increments. You purchase the same amount of stocks. Using strict scales is smart and responsible. Sometimes thats a problem. Thats why i like to use wide scales. The trick with wide scales is you buy larger and larger positions as the stock goes lower. I used to think of it as a pyramid of buying. If the stock lost a point, id put on a thousand shares, another point, 1,500. When its so low you can hardly believe it, you can double down. Its about a pyramid structure, all used pyramid style. Scales is they leave you with the great thing about wide scales is they leave you with lots of room to maneuver. When the stock bottoms out, you can accumulate a big position in that companys stock as it goes down. Just make sure the story is still intact. Youve got to do the homework. If the Underlying Company is broken, the stock is never going to be a bargain no matter how low it falls, which is why you need to do homework. You might need to abandon ship and find a better one to travel on. There is no sin in recognizing you made a mistake. Be patient. Keep your bat on your shoulder, wait for the right pitch, never buy all at once, and be sure to buy with wider scales to get the best possible overall basis. Joe in massachusetts. Joe. Caller hi, booyah, jim. Stop loss orders versus stop limits and how to use that not only to minimize the ups and downs. If youre going to own these and youre going to try to get the right prices, you have to stay on top of it. Im sorry. Its too important. You get a stock flash. You buy the stock at 80 and suddenly its too crazed. You have to protect yourself from this market. From any market that acts as badly and strangely. Those old tricks out the window. Price matters. Dont buy all at once. Keep an open mind. Stay with cramer. The only way to generate consistently strong returns year after year is by putting thought and effort into the process. Its like a personal trainer who promises that you can get in shape without doing any exercises, heres a pill. It doesnt work. Yet i think a substantial majority of the public Still Believes this buy and hold nonsense is the only legitimate way to in vest. I read about it in the papers. No wonder stocks are so hated. People are convinced if they buy blue chip stocks and they wait long enough, those stocks will work their way higher. Thats some law of reverse gravitation. Its been a lousy strategy, if its a strategy at all, if you can even call it that. But in recent years, lets just say its been really horrific. Think about it. For the last five years, the middle of 2007 and 2012, s p declined by 9 . When you look at the benchmarks performance over the first decade of the new millennium, s p was down 24 . Though you only did lose 9 in those ten years when you factor in reinvested dividends, which is why im always telling you to own some high yield dividend stocks. Even factoring dividends, you were better off hiding money in a mattress than buying and holding. The strategy didnt work. Let me give you some advice that you almost never hear. I want to talk about a forbidden term. Some say its a curse word. Marks me as a charlatan. I want to talk about selling. Selling. Every stock you buy you should consider comes with an expiration date. Again, radical. Knowing when to sell those stocks is every bit as important as knowing when to buy the stocks. In fact, its actually more critical because so many people make such a huge number of sellingrelated mistakes by panicking and selling into weakness or by getting greedy and not selling at all. If you pick the right stocks, eventually youre going to have some winners up and maybe up big. The trick at that point is not to go all in gordon gekko. Greed is not good, man, its dangerous, its horrible. Remember bulls make money, bears can make money, but pigs, slaughtered. Bacon. When you got a serious winner, even though it still has many years of gains left in it, i want you to take some profit, period. No discussion. The only time youre going to let your winners ride you can let some of them ride, but its a mistake to let them all, you got to ring the register on some, a partial portion or position, otherwise your winners could become hunk winners. Its best to lock in profits while you still have them. You havent really won until youve taken something off the table. Hey, im making a lot of money. Dont use that term making, unless youre profiting. Ringing the register. Why am i putting so much pressure on best performing stocks . You dont need me to tell you to sell your losers. When you own a stock and the Underlying Company lets you down, maybe management isnt executing, maybe the economy takes a turn for the worse. Dont get sentimental, dont give them the benefit of the doubt, you got to sell. Better to act quickly and take a loss than giving the company a Second Chance to burn you. Lots of people are waiting to get back to even before selling. Its the worst kind of amateur mistake. Even then, these people know their losers deserve to be sold. They want to sell. Theyre just waiting too long for an unrealistic price thats too high given the downturn with the actual company. Selling your losers makes perfect sense. Selling your winners, though, is totally counterintuitive for many of you. You have to trim your winners. The first reason is simple diversification. Say you owned a stock thats doubled and doubled and doubled. Maybe you bought apple when it was trading around 200. It initially represented 15 of your portfolio. Its now a much larger piece of the pie. Even if other stocks have gone up a decent amount. At that point you have too much exposure to even the single best stock and to whatever sector that stock is in. You never want more than 20 in a sector. Keeping all your eggs in one basket is downright dopey. Thats why you need to trim your winners as they go higher, so they dont become too large a piece of your portfolio and get you in trouble. Im not saying sell them all. If youre investing for the long term, you got time to do this and you do it gradually, pieces, not all at once. As your winners go higher, you should sell off parts of your position. Scale out slowly over time. Never sell all at once, just like you should never buy all at once, and wait for moments of strength. You dont want your portfolio to become too heavily weighted toward any one group. Theres one more concept, and thats the idea of playing with house money. When you sell your best performers, its the idea of playing with the houses money. When you own a stock thats had a huge multiyear run, you want to trim your position and all the money you have invested comes from profits you already made and not a penny from the original investment. Thats the holy grail of investing because you cant lose youre in a cant lose position. You can ride it all you want. Thats fine with me. Thats bought and paid for. Younger investors can afford to let those gains. Simply cannot afford to risk turning big investing game over time. You got your whole working life. Those of us in the older demographic, even if youre extraordinarily well preserved, like myself, youve got to be trimming your winners more aggressively and ringing the register more regularly. You cant just hold stocks forever. You have to remember to take profits, trim back your winners so your portfolio stays diversified, and when you can, take all of the Investment Capital out and play with the houses money. Caller i was just wondering should we embrace etfs as a way to mitigate market volatility . The only etf id recommend on the show is the gld. Why is that . Because thats gold. I want to own the best. Etf gives me the opportunity to own the worst with the best. I think what ive learned is to be able pick which ones are better and which ones are worse. I can teach you to do it and i know youll do it. Daniel. A big baylor bears booyah to you. While at baylor i was in a real management class. So specializing in it, i started looking more toward the price and the precash flow to find a more valuable i. T. Stock. Ill tell you, look, i happen to like the peg ratio but i look at myself when im analyzing a company that i want to be involved in. I look at operating cash flow. Thats the one thing no one can really jigger. Operating cash flow that is growing, to me that is a great way to measure the companys worth and its future. With apology to gordon gekko. The best you can be in is when all thats left is the profit that the markets given to you. Stay with cramer keep up with cramer all day long. Follow jimcramer on twitter and tweet your questions. Something that has a much larger bearing on you in the stock market as a whole. Let cramer be your guide, your sounding board. Im having a hard time with my favorite stock. I know you can beat these professionals. And your coach on your road to financial independence. Mad money weeknights on cnbc. If you want to invest for the long term, then like it or not that means planning for your retirement. In the long run, we all retire. It may not sound sexy but trying to put together enough money to become financially independent is really what we do every night here on mad money. Im sure youve heard the basics of Retirement Planning a billion times, you have to contribute to your individual Retirement Plan and your ira. Instead of telling you to park money in your ira, im going to give you suggestions of what stocks to buy. Everyone tells to you take advantage of your 401 k or ira. Its because these are taxblessed vehicles. You pay no taxes on your profits so your investments can compound for years. You only pay taxes when you withdraw. Thats a sweet deal. Tax rates on dividends and Capital Gains do fluctuate over time. Theyve gone up and down throughout my career. I have to give you something radical here. Something almost nobody else will come out and say. Most companies 401 k plans stink. They have high Management Fees and administrative costs that eat into your returns and they offer you lousy choices for your investments. Not nearly enough control. The 401 k business is sometimes a racket for managers who get these large fees. Im very upset about this but helpless to stop it. Ideally you want a diversified portfolio of five to ten individual stocks. Most 401 k plans wont let do you that. They let you choose from a very limited menu with some stock funds and bond funds. Best you can normally do is find a lowcost index fund and put your money in there. You can do better by picking individual stocks and managing your portfolio on your own with your time frame. Nevertheless, as much as some 401 k plans stink, you should still contribute to your 401 k . These taxfavored vehicles are just too good to pass up. Plus Many Employers will match your contributions. You should put enough money to max out the Company Match and if you have one and then stop. Then the rest of your retirement investing should happen in your ira. An ira gives you the freedom to invest your money whatever way you want. The maximum contribution was 5,000, and 6,000 if you were over 50. Your best bet here is to own many of the high yielding stocks i talk about all the time on this show that provide the protection and generate income. A couple of wrinkles that make investing in ira different from a regular fund. It doesnt work well for Master Limited partnerships. Mlps are already tax advantaged. The distribution is considered a return of capital. But theres this arcane tax rule, if you buy too many of these stocks within a retirement account, you could give up the tax favored status and pay taxes you wouldnt have paid in a regular brokerage account. In general we do tend to have notes worth high yields. You have to be careful with the mortgage reits. Thats the group you want, but you got to consult your Tax Professional about mlps and Real Estate Investment trust. Otherwise we go to the utilities and telcos. Looking for high yields, the Company Better have enough earnings to cover the payout. We Like Companies with a consistent record of raising their dividends. The bottom line, a huge part of longterm investing is retirement investing. Reinvest your dividends without paying taxes. Thats a terrific recipe for producing huge longterm returns. Hi, jim. Do you record only questions so they can listen to the questions and his response . A lot of times they let you do it. Sometimes i do it in realtime, a lot of times i do it in the show. I do the transcript on the way home and the transcripts are readily available everywhere. You can stop and think. You cant do that when youre listening live. Reinvest, build up over time, avoid the taxes by making sure you make the contributions every year. Stick with cramer. Im sexy and i know it heres a serious conundrum. How are you supposed to pick stocks for the long haul when sectors are constantly going in and out of style on the wall street fashion show . How do you buy something with an eye to racking up gains when thats not how it works anymore. When you find them they are the holy grail of investing. And those dont go in and out of vogue, to stick with the fashion show analogy. All right, like i told you before, theres no such thing as a stock you can own forever. Thats the essence of the kind of buyandhold thinking thats lost so many people such huge sums of money over the years. But some winners are more lasting than others and theres a certain type of stock that can produce incredible multiyear gains, and they can be owned for much longer than what i regard as ordinary stocks. Im talking about whats known as secular Growth Stocks, thats a rare breed that you should always be on the lookout for. These companies are driven by powerful longterm stories that transcend the economy. Most Companies Need a healthy economy in order to thrive. We call that cyclical growth. How do you spot a genuine secular growth name . I like to look for big picture themes. We have a company that plays on a much broader trend. Take the move toward Healthy Eating and embrace of organic foods. This has made whole foods into a powerhouse stock and its also destroyed the regular supermarkets and the same for hain celestial. However, while these stories can last for years, even secular Growth Trends have a limited shelf life. There are fewer and fewer plays that can consistently make you money. Last longer but never just last forever. Years ago back when the smartphone was a relatively recent invention, i started talking about the power of the mobile internet tsunami. For a while there was a ton of money to be made over the smartphone food chain. But the tsunami turned out to be not a license to buy even the sectors weakest players, which gradually fell by the wayside. The rising tide does not lift all ships. Most of the time can you hang on to a stock for years and years but if you find a secular growth story, driven by the same theme pushing up a whole foods or apple, theres nothing wrong with owning these super high quality stocks for as long as the story stays intact because theyre not going to be part of the wall street fashion show. But just like life, even secular Growth Stocks dont last forever. Even the biggest wave winds up crashing on the shore. Only homework will keep you from crashing along with it. Larry in tennessee, larry. Caller is this james j. Cramer . Yes, it is. How are you . Caller great, man. I think ive Read Everything you wrote since 1998. I wanted to call and thank you for helping me put my daughter through college and teaching us home gamers how to survive in this stuff. Youre terrific. Thank you. Caller i have a question. Tax season is coming up and you teach us to trade around the core positions up and down. I wonder if you have any advice for us coping with wash sales. Wash sales are a problem. What im going to do on that question is i am going to tell people because i cant give individual tax advice, you got to speak to your tax consultant about when you can take these sales and then go back and buy. Youre absolutely right, there can be a wash sale problem. No stock is forever. They come in and out of fashion all the time but some do last longer than others. Those are the secular stories we live for. They have a longer shelf life and thats ultimately what were trying to find. This is america. We dont let frequent heartburn come between us and what we love. So if youre one of them people who gets heartburn and then treats day after day. Block the acid with prilosec otc and dont get heartburn in the first place [ male announcer ] one pill each morning. 24 hours. Zero heartburn. You can stay in and share something. Or you can get out there and actually share something. The lexus december to remember sales event is on. This is the pursuit of perfection. With scottrader streaming quotes, any way you want. Fully customize it for your trading process from thought to trade, on every screen. And all in real time. Which makes it just like having your own trading floor, right at your fingertips. [ rodger ] at scottrade, seven dollar trades are just the start. Try our easytouse scottrader streaming quotes. Its another reason more investors are saying. [ all ] im with scottrade. All night ive been trying to walk you through what it does and doesnt mean to be a good longterm investor. While were on the subject, i got one last point i need to make. Theres nothing inherently virtuous about longterm investing. Dont get too hung up on the nomenclature. The notion of trading is loaded with negativity. Im not making any judgments, all right . Were here to make money. I happen to think picking longterm winners is more lucrative than gaming shortterm stock moves and its easier for you at home to duplicate, so i like it. If youre finding your portfolio does better more actively, hey, more power to you. Im not going to judge you, although never forget, you do not have the horses to compete with the High Frequency funds or hedge funds with multimillion Dollar Research budgets to support their trading investments. At the end of the day, the banks dont care whether your money was made from longterm investments or or not. The teller, presuming you can find a human, isnt going to say i can accept this deposit but not that one, thats dirty money from trading, take it elsewhere. Moneys money. The only money worth making is the kind that came from staid, boring investing. The only difference in trading and investing has to do with your time horizon. Trades are short term. Investments are positions you plan on being in for longer, a year, year and a half. Day trading is totally different. I cant encourage day trading because i think youll lose money. Dont be fooled by the false dichotomy. You dont have to choose between passively sitting on your holdings as an investor, even when you feel like you should really be taking action. Look, you can do what you need to do to save money. Find your own happy medium, no matter which path you choose or both, be true to your disciplines, stay on top of things and youll do better than just about any hedge fund can you have at your disposal. Stick with cramer. This is how mommy learned. And now. You [ giggles ] the one and only, cheerios sometimes what we suffer from is bigger than we think. Like the flu. With aches, fever and chills the flus a really big deal. So why treat it like its a little cold . Theres something that works differently than overthecounter remedies. Prescription tamiflu attacks the flu virus at its source. So dont wait. Call your doctor right away. 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Plus trade up for an additional 1,000 tradein allowance