Dow sinking 140 points, s p falling. 08 , nasdaq divi diving. 07 . Many want to point the finger at the collapse of onetime market darling amazon which declined more than 9 after a widely reviled Quarterly Report last night. Which then led to a route in tech, real pin action today that spilled over to the rest of the market. But you know what, i think thats too simplistic as there were multiple reasons of decline, everything from a healthy round of profit taking to a desire to get ahead of the sell in may crowd. Oh, man, and go away, remember that, theyll do that again next week. And more subsequently, real concerns about a war breaking out in ukraine. I think the latter more than anything else explain why todays selloff was so vicious. Why not ring the register ahead of a weekend that could be filled with unknowns. Normally i start off any game plan with a week that includes the nonfarm payroll report with the miranda warning that fridays Employment Data could have a huge impact on bonds and therefore stocks before you pull the trigger. But because of this ukraine issue, im not even sure. No matter how robust our economy might be getting and no matter how many people might be hired, Interest Rates dont budge. Dont seem to go higher as they should. I think thats because theres a developing shortage of highquality bonds, now that even some of the poorest countries like portugal, tenyear bonds at 3. 5 . Who needs paper from countries that almost went belly up a couple years ago when you can own virtually riskfree u. S. Bonds that yield nearly 2. 7 . Plus, i think theres a ton of russian money finding its way to our bonds. Look, the rubles collapse. More on that in a moment. So, keep in mind that the ukraine situation front and center, not talked about enough, but its front and center now. And thats making our safest stocks like domestic utilities with good yields. Duke, coned, shine brightly as fixed income alternatives. Theyre better bonds. And i expect that once again they could continue to wilt next week, expected to bounce sometime next week, though. But that means old tech will shine. Which is why i cant wait to hear what corning will say monday morning. The Company Company traders love to call glow worm derived from the symbol glw, a remnant when it was called corning glass works. Ive got to tell you, this outfit has become maybe the goto tech value name. Its up 16 for the year. Even after all the tech selloff . Corning makes gorilla glass for iphone screens. And given reported better sales, weve got to believe corning might surprise, too. This could be a good tell about how the companys value tech might fair for the rest of the week. We also get results from herballife, which is the company that bill ackman thinks should go to zero, in part because hes shorting it but also he believes its a criminal enterprise or he says he thinks it is. What will herballife have to say . Has ackmans campaign hurt the company . Is it a giant in one mans desire to get richer . Can a Hedge Fund Manager wipe out an entire company to get some governmental entity to shut it down . I cant wait to hear what herbalife has to say, but ackmans not going to stop. Not going to stop. You know right now i dislike the speculative stocks and have some disdain for the high fliers. Tuesday we hear from not one but two litmus tests of whether there can be any second lives for beaten down stocks. The first is 3d systems, the threedimensional company that reports before the bell, i told you, this was the stock i was most asked about. Now, this is a 49 and change stock that has look, its come down a lot. Its down all the way from a very i dont know, from as high as probably almost 100. But it did report disappointing numbers and thats why it did go down. Now, its still up big from 20. And thats what matters, okay . And it was at 2012, and if it reports a bad number and goes down, so be it. That should happen, right . Thats not what im worried about. If it reports a good number and gets hammered, then i say look out below for all the other high flyers, including one of the most lofty valuations in the market. And im talking about the much loved twitter, the product. Which also reports after the bell. At twitter, twitters at 41 and the stock down 35 for the year. Again, this is like 3d, up a lot from the 26 ipo price. I suspect twitter might be doing better than many suspect. But facebook reported better than expected number this week and its been a oneway ticket down ever since. So i dont really know what twitter can do to save itself in this environment. But these stocks can bounce and this one, too, could creating a short cover rally if it does do a little better than expected, it can be a better week next week. Otherwise, what i fear is were going to get the same forecast, the same one that mr. T. Gave in rocky iii. Pain now, my Charitable Trust has been buying google and facebook here because theyre so darn profitable and theyre getting hammered. Theyre being lumped in together, too. If twitter reports a good number, i think facebook goes higher. Weve seen so much Insider Selling and secondary offerings from the newly public names. How about a company that stands there and buys its own stock on days like today . Im talking about time warner. Ive got to tell you, if this market keeps getting hammered into the end of tuesday, you might want to pick up time warner right at the close of that days trading. I suspect this company with the terrific programming and fabulous hbo product could issue a really good report. And if im wrong, at least a huge buyback and that could always bail you out thereafter. We also hear from the inquisitive activist, which is a highflying dublin, ireland based company that represents the expensive portion of the Health Care Sector that i so fear. This could be next weeks tell for how that overvalued cohort fairs. Look out, athena has been bleeding from the eyeballs down from 205 to 127 on disappointing numbers. Maybe activists can bail the group out. I wouldnt bet that way, but Stranger Things have happened. Ive got only one im really worried about on thursday. And this isnt about valuation. This is about actual earnings. This is about this isnt one of those stocks thats a crazy stock. Its a wellrun company. Im talking about mastercard. I know its down from the high of 84, closed down 3, 70 and change. The rival visa reported a hideous number last night and shed a quick ten points falling to 199. In part because of slower crossborder revenues but also because of worries russia could shut down visas business in their country in retaliation for our defense of ukraine. Visa has 100 million card holders in russia, and a very Large Russian exposure. So i see plenty of cause for concern. I say be careful. And it doesnt help that the last quarter wasnt all that spectacular even as it and visa are very well run. We also get to hear from a company thats become the wrecking crew for all of telecom, and thats tmobile. I think this companys price cutting has truly turned the pricing upsidedown. I bet all of the phone Companies Get bashed when tmobile reports the signups. But be prepared to buy att or verizon on friday because the next day, their yields will give them a cushion by then and the Interest Rate environment is pretty low. Finally, friday is chevron day. My Charitable Trust took profits in part because it has been roaring ahead of late. Why sell any day . Because the groups due for a breather, particularly chevron which i told you to buy about ten points ago. Nobody ever got hurt taking a profit. Heres my bottom line for next week, if we come in monday without a resolution in ukraine or something negative occurs, it might not be a great opportunity just yet to pull the trigger. We have a gauntlet of high flyers reporting and theyve been coloring the market. Let them come down and we can buy the oldfashioned value stocks, good dividends in the wake of the fall. Hey, by the way, if they bounce, remember to reach for the profitable ones, not the ones that cant stop spending long enough to actually make some money. Carolyn in arizona, please, carolyn . Caller hey, jim, great show. Thank you. Caller should i hold or fold . I like Las Vegas Sands and wynn, i do. I think melco is not as good. And i like steve wynn and sheldon edelson. I do prefer lvs. Can i go to reagan in montana, please, reagan . Caller hi, jim, this is regan in montana, long time listener, firsttime caller. Thank you. Caller it happens to be my 20th birthday today, this is a great birthday present. Happy birthday. Caller my portfolio contains mostly energy and technology stocks, and i was wondering if you think diversifying with the Food Products company like Chiquita Brands is a good idea. I run this i have this restaurant, and it depends on the produce. Some of these Drought Conditions are driving the cost of some of these produces up so high, i have to check chiquita, especially i spoke to Howard Schultz about the price of coffee, ill make a better judgment. If we come in on monday without resolution in ukraine, dont get too bullish. We have a big gauntlet of earnings ahead of us. For some stocks, the selling could have a ways to run. Stick around to find out where opportunity may not yet be knocking. Stay with cramer. And later the ukrainian connection. Solid earnings werent Strong Enough to shield the markets from the escalating tensions overseas. Is it time to take defensive action amid the new western struggle with russia . Dont miss cramers take. Plus, roth or regular . Roth or regular . Dont make an easily avoidable error and cost yourself a comfortable retirement. If youve got questions about setting up the right kind of account, cramer has a necessary insight you wont want to miss. Its all part of his playbook. All coming up on mad money. Dont miss a second of mad money. Follow jimcramer on twitter. Have a question . Tweet cramer madtweets. Send jim an email to madmoney cnbc. Com. Or give us a call at 1800743cnbc. Miss something . Head to madmoney. Cnbc. Com. Cars are driven by people. Theyre why we innovate. Theyre who we protect. Theyre why we make life less complicated. Its about people. We are volvo of sweden. [ banker ] sydney needed some Financial Guidance so she could take her dream to the next level. So we talked about her options. Her valuable assets were staying. And selling her car wouldnt fly. We helped sydney manage her debt and prioritize her goals, so she could really turn up the volume on her dreams today. And tomorrow. So lets see what we can do about that. Remodel. Motorcycle. [ female announcer ] some questions take more than a bank. They take a banker. Make a my financial priorities appointment today. Because when people talk, great things happen. Make a my financial priorities appointment today. Female announcer sleep trains interest is ending soon. T get three years interestfree financing on beautyrest black, stearns foster, serta icomfort; even tempurpedic. Plus, get free delivery, free setup and free removal of your old mattress, and sleep trains 100day low price guarantee. But hurry, sleep trains interest free for 3 event, is ending soon. Sleep train your ticket to a better nights sleep heres something to puzzle over. When you look at the bedraggled biotech and Cloudbased Software as service sectors, do you ever see much insider buying . When you look at the fresh Face Companies that are still coming public in these two areas, do you ever see any earnings . And have you noticed that the ones coming public now are now either early stage biotechs that you would never finance yourself or incredible niche Cloudbased Software players for some tiny end market that youd never invest in yourself . We have truly entered the Twilight Zone for these stocks. Unless theres consolidation or insider buying of note or sense the companys believed profits do matter some day, then you can bet the selling isnt finished. The nearly 10 selloff in amazon today after some still one more spend for growth profits bedamned quarter says it all. Theyre exhibiting some of the most perfect head and shoulders patterns ive ever seen. By now all you know thats not a shampoo, its a stock death sentence, one thats rarely commuted. Worst of all, the insiders are thinking, all right, all right, if facebook shot the lights out with the best growth its ever been and if gilead could have the strongest drug launch in history and neither of them went higher, how about my little softwares Service Provider for the coffee room . Water cooler software. How about a biotech lab that doesnt have anything that can be inflicted on mice yet. When people call in about speculative stocks right now and they want my blessing, i dont know what to say. Gilead and facebook are executing expertly. These were good quarters. They earned money but not enough . I dont even know. Facebook ordered a ton. Meanwhile, Proctor Gamble and mcdonalds, they blew their quarters and theyre even down. When service now delivers plus 60 in revenue growth, something that wouldve gapped it up 10 points three months ago, yet instead it rallies a dollar. Even as every analyst reiterates and then the stock retreats even further. Today after we had the ceo on the show last night what do you imagine will happen when one of these bullish analysts breaks ranks and downgrades the thing . I cant even fathom how low itll go. I bet the insiders at these companies were locked up, many of them, right . The stock had become public. They cant sell their stock. I bet you theyre calling their brokers and saying, hey, can you please line up a basket of likeminded software as Service Companies and short them to hedge my software as a service exposure . If you locked up shares in a company focused on Human Resources, why not simply short another moneylosing Cloudbased Software company thats also focused on Human Resources . Whats the difference at this point. These insiders need to protect themselves and seeing profits before they disappear into the ether. And just to be sure, dont i know where i speak of. Back during the last tech bust in 2000 when i was locked into millions of shares of the street. Com, broker after broker offered me a chance to short a basket of other moneylosing dot coms. I didnt do it. Didnt seem right to me. But these days when hedge funds run ahead of takeover bids, i guess running ahead of selling in your own stock by shorting a bunch of analogs makes sense. Thats exactly what is going on behind the scenes now. And who can blame the insiders . The oversupply is ridiculous, the gluts immense. They ought to rename the stocks as the Service Companies and call them software as is a disservice to your portfolio stocks as the acronym s. A. D. Pretty much says it all. The selling might not let up until we see mergers and insider buying. Sadly, that could be a very long time and a much lower price away. Wow. Negative, huh . How about carl in mississippi. Carl . Booyah, jim. Booyah, carl. Huh . Caller xerox. That wasnt that good of a quarter, carl. Ive got a lot of other stocks i like more than that. And that offer good dividends and have a lot of defense. Im going to say no to that. Anyway, weve reached the twilight, and where is serling when i need him . Until we see mergers or insider buying, the selling can continue. Coming up, sure you know whats being sold, want to know what you should be buying in this tape . Is there anything . Hey, dont move. Moneys not leaving the market altogether. Find out where its going. Stay tuned. Coming up investing advanced . Armed with these portfolios, betterment wants to change the way you invest. Find out what this startup is doing to shake up the industry when cramer goes off the tape. When someone comes up to me and wants to talk about the market, unless its some penny stock pump and dump scheme, which it often is, im all ears. Last night a gentleman pulled up to me and expressed a view i think is becoming more and more prevalent. Especially after tough days like today. He wanted to know how the heck can a market keep going up when it has lost its leadership. Mainly the momentum stocks that have so dominated Portfolio Manager thinking for so long. He talked about how the crushing of the biotechs and the internet names must inevitably lead to a wider market crash. His word. I dont want to be glib in saying dont worry. I didnt do that. I always worry. I had to think about his thoughtful question. Because unless this is the first time youve ever watched the show, you know i believe the old leadership of momentum has been vanqui vanquished. And those stocks remain problematic. Plus, on a day like today where the entire market gets obliterated, feels like last nights inquirer could be right. The pain was immense. There were many reasons for the decline, cant just be pinned a the the feet of the now fallen leaders, although, you could argue that amazons was absolutely approximate cause at least for the decline. But i explain, there have been many times where the leadership of the market has changed the coloration without causing an avalanche of selling and overall annihilation. For example, march of 2000, you saw the baton pass, including many soon to go bust dot coms to s p companies. Although, b back then it was brought down by the overvalued traditional techs that dominated the average companies that sorted to ridiculous valuations. The valuations of those Companies Reached extremes, never got overvalued. The expensive stocks valued on eyeballs and page views didnt destroy the Great American blue chip Leadership Back then. When the dot bomb went off, there was collateral damage, but plenty of nontech stocks with real earnings and dividends had to be bought, not sold on days just like today. Yes, the bubble deflation tended to stay within their sector. But that sector was by far the largest one in the s p back then. So the s p chart looks almost as hideous as the nasdaq chart. But, there were stocks that held up and ultimately triumphed if you stuck with them. Even in 2000. And thats whats happening right now. The out of growth into value trade, not an out of growth into nowhere disaster. Plus, the oldfashioned techs never got pumped up this go round like they did back then. These days, the intels, the microsofts, frankly they represent excellent value. And perhaps because im old enough to have invested during the 1980s, i can remember when the torch passed from a flood of personal computer related tech stocks to more common food and Drug Companies as the bankers saturated the market with tech ipos in 1984 and 85. And the money quickly migrated elsewhere. Namely, to good oldfashioned blue chips like merck and cocacola. Sound familiar . I gave the question that historical insight then i followed up with something that has truly spurred the current move from love of growth to love of value, which plays out every day, including today. Im talking about the move away from companies that dont respect or care all that much about being profitable to companies that do everything they can to make money for you, including cutting costs, buying back shares and executing with true earnings benchmarks in mind. Im talking about going into companies where insiders are more likely to buy, not bail. Where secondaries and ipos are less likely than mergers and acquisitions. Isnt that whats really going on when you see money flowing into quality stocks like microsoft, like starbucks did today . Isnt that why the industrials have been so red hot . Were unchanged. Unchanged for the week. And i believe are just taking a breather in part over worries about russia and ukraine. Isnt that the secret behind the astounding 1 trillion in deals so far this year . Almost all of which involve Profitable Companies. I find the growth to value shift healthy and muchneeded. When growth was scarce, we gravitated to fastgrowing biotechs and internet companies, including software as disservice stocks or s. A. D. , i cant resist, because at least putting up positive revenue numbers. But now that were getting genuine economic growth, were looking at companies that can have a step function higher because of that growth. Stocks like caterpillar, united rentals, timkin going into todays selloff, at least, consider how intel, alcoa, dow, ppg, dupont hang in there. They are to a certain degree, Gross International product plays. Stocks you buy when economies around the world give you better growth. Remember, Portfolio Managers cant resist yearoveryear earnings increases. And if the economies of the world continue to gain strength, then these companies will crush the analyst earnings estimates, not just the Sales Numbers like the stuff that was red hot the momentum companies. In addition, theres nothing wrong with liking domestic dividend and value plays at a time when the yield and tenyear treasury stays low despite the feds tapering of the bond buying program. Thats how you can have two of my favorite utilities duke and aep work steadily higher. Coned, dominion, all working. I never mind when the packaged Goods Companies like kimberly clark, merck, pfizer, and cocacola provide leadership. Theyve let us out of many a jam before. Yes, this market rewards companies that make real profits and return them to you. Apple anyone . And Punishes Companies that seem to disdain the need to show profits like, yes, amazon. Over the last few years, many Tech Companies adopted the model of profitable prosperity because it worked for amazon stock. The opportunity is too great to waste, at least on the altar of turning a profit. Now that models being stood on its head. You can only imagine how hard it is for companies that dont temper their spending when amazon stock gets obliterated for doing a Pretty Amazing job of generating Global Growth which was until very recently exactly what these same Portfolio Managers wanted. But the money has to go somewhere. And its going to the most valuable pieces of merchandise out there with value being a rubric for consistent growth, good execution and a desire to reward shareholders after the Growth Opportunities are exploited. Yep, now that the global economys improving, the markets reverting to its old ways of giving higher priced to earnings multiples, not price to sales multiples to the most profitable while despising companies that disdain the tried and true way stocks have advanced since time and memorial. Days like today you cant tell. This was a genuine market wide selloff. But there were standouts that fit this new value model. And i believe that if it werent for fears of what would happen this weekend in ukraine, we actually wouldve had still one more orderly transfer of capital from decidedly overvalued tech to undervalued classically Profitable Companies that are doing better, not worse with economys expansion. I think facebooks cheap, it doesnt matter, market doesnt think so right now. No doubt theres more damage to come from the overvalued sectors like tech and biotech and the speculative stocks that havent a prayer of profitability. But that moneys not leaving the market, its finding a better, smarter and more historic home. As it always has in the end. Lets go to mike in minnesota, mike . Jim, big booyah to yaw from the great state of minnesota. Good to have you, whats up . Caller over the past three years, silver prices and slv have taken quite a slide. Its done well this past week. Do you foresee a rebound in the near future . Well, i believe. I actually like gold as a percentage of keeping some gold as a percentage of your assets. I would prefer you to do that than silver. Silver is the poor mans gold and has industrial uses. Gold is a currency. And when i see the ruble collapsing, its going to gold not silver. Stewart . Caller how you doing . Good. How are you . Caller a few months ago you recommended emerald oil. Im disappointed in the results and the ceo. I think hes got pine tar in his head. Well, its been disappointing. Theres no doubt about it. And im actually surprised they are not doing better since everyone else is doing so well exactly where they are. And i dont know what to say other than the fact that i dont agree with the ceo, but they should be doing better than they are. You can neither create nor destroy matter, i mean money, the damage can continue, but that money is finding a better home. And do you know which is better for you a roth or regular i. R. A. . Stay tuned, well explain your choices and help you decide. Dont go anywhere. Nywhere. Predicting the future is a pretty difficult thing to do. Nywhere. But, manufacturing in the United States means advanced technology. We learned that Technology Allows us to be craft oriented. No ones losing their job. Theres no beer robot that has suddenly chased them out. The technology is actually creating new jobs. Siemens designed and built the right tools and resources to get the job done. No matter how good you are at picking stocks, if you dont know all the rules about which accounts to keep your money in or how to manage your personal finance or costing yourself a fortune in all sorts of hidden fees. Thats why every week i take you through my playbook in a segment entirely devoted to teaching you how to handle your personal finances along with basic investing principles. In order to get a better sense of what matters to you, i want you to send all of your questions to twitter jimcramer with the getaplan. Really jammed with this market. Ill do my best to get back at you. And while were at it, its always worth checking your money. Cnbc. Com. Got terrific Financial Advice there. I admit this isnt as fun as picking stocks, although on a down day like today, its not so bad. It could help you to build up more wealth than couple of great stock picks. I dont want you leaving that money on the table because nobody could be bothered to explain, say, the finer points of retirement investing vehicles. With that in mind, heres a question for mitch who asks, and i quote, traditional or roth 401 k for grad starting fulltime job in 28 tax bracket. Where are your potential tax climate when im 65 . That was a good use of twitter spaces. Now, i know ive talked endlessly about the benefits of using individual retirement account or i. R. A. For short and 401 k plan to invest for retirement. And i dont want to beat a dead horse here, but we havent gotten to the distinction between a roth account and a regular one. And this is something i get a ton of questions about. Should i put my money in a roth account . Or should i put one in a regular account . And is one of them wrong . Mitch asked about a roth 401 k , but only some employers choose to offer these to their workers. So to set the stage here. Let me give you background on the beautiful taxfavored vehicle known as a roth i. R. A. , which anyone can contribute to as long as they make less than 122,000 a year. I think aside from the earned income tax credit, the roth i. R. A. May be the single greatest thing our government has done for lowerincome families since the end of the war on poverty where alas poverty won. Ive told you all about how a regular i. R. A. Lets you take pretaxed income and invest it, and your gains can increase taxfree until you start withdrawing money when youve retired. But a roth i. R. A. Works differently. You make contributions with after tax income. In other words, unlike a regular i. R. A. , putting money into a roth wont decrease, wont decrease your tax bill. On the other hand, though, once its in the roth i. R. A, youll never pay taxes on it again. As long as you dont pay Capital Gains taxes, dividend taxes and when you withdraw it which you can do without penalty after the age of 59 1 2, closing in, you dont pay any income tax on your withdrawals. On a roth you pay taxes now so you dont pay income tax 30 or 40 years from now when youre retired. Theres one other positive point. After five years you can withdraw the money you invested and you wont be hit with that penalty which is what happens when you try to withdraw from a regular i. R. A. Before you hit that magic age of 59 1 2. And when youre closing in, it doesnt feel very magical. So, you see, a roth is fundamentally different from a regular i. R. A. With a regular one, you dont pay taxes on your contributions now and your gains dont get taxed within the account. But once you start withdrawing money, every penny you take out is taxed as ordinary income. Which means that when youre trying to decide between a roth i. R. A. And 401 k and regular 401 k and youre make debating if it makes more sense to pay them now or wait and pay once youve retired with a regular account. You have to figure out whether youll be in a higher tax bracket after youve retired or a lower one. Obviously this is a complicated question that has to do with the specifics of your situation. Your career and how old you are. For anyone with marginal tax rate is 25 or less, 25 , which is most of america, i think you go with the roth. Better to take the hit up front and then allow your roth i. R. A. To compound tax free for the rest of your life. For those of you who dont have the time to pick your own diversified portfolio, the smartest thing to do is just park your retirement money in a lowcost index fund that mirrors the s p 500. As you get older, you can add some bonds, but really until youre actually retired, stocks should make up the majority of your retirement investments. Its so necessary yet so contrary to the conventional wisdom. All my books say it if you dont understand, ive got a much longer explanation. Back to mitchs question on the idea of a roth 401 k . This works like a roth i. R. A. , which means you make contributions with after tax income and never pay again because its a 401 k plan, its a much higher contribution limit. And theres one other big difference, you cant take advantage of a roth i. R. A. If you make more than 122,000 single or 179,000 if youre married and filing jointly. A roth 401 k doesnt have any kind of income cap. No matter how much you make, you can take advantage of one of these as long as your employer decides to give you the option. Now, mitch says his moarginal tx rate is 28 , they let you make contributions with pretax dollars so the higher the current rate is, the more valuable youll find a nonroth i. R. A. Or 401 k . He says hes worried about when he retires 40 years from now. Ill admit, if you believe that taxes are head inexerably higher, then a roth 401 k is the way to go even if youre making a lot of money in the present. For those of you young people who only became politically conscious under the obama administration, it may seem theres no way to stop the higher tide of taxes, but history says differently, and i believe we can close the deficit without substantially raising taxes, my view. At the end of the day, though, this is both beyond our control and beyond our ability to predict. Heres the bottom line. The lower your present income, then the lower your taxes. A roth 401 k or roth i. R. A. Lets you pay those low tax rates and now and never worry about taxes again for your retirement money. So the less you make, the more likely it is that a roth is for you. Its that simple. And when youre saving for retirement, dont worry about what could go catastrophically wrong 30 or 40 years in the future. Just worry about making the best choices right now. Dont move, lightning round is next. Next. At your ford dealer think . They think about tires. And what theyve been through lately. Polar vortexes, road construction, and gaping potholes. So with all that behind you, you might want to make sure youre safe and in control. Ford technicians are ready to find the right tires for your vehicle. Get up to 120 in mailin rebates on four select tires when you use the Ford Service Credit card at the big tire event. See what the ford experts think about your tires. At your ford dealer. It is time and im glad, it is time for the lightning round on cramers mad money. Rapidfire calls, say the name of the stock, i tell you whether to buy or sell. Play until this sound and then the lightning round is over. Are you ready . Time for the lightning round on cramers mad money. Sandy in michigan. Sandy . Caller hi, jim. Hi, sandy. Caller you are an inspiration and inspired me enough to get your book. Thank you. Caller ive had baidu for the last couple of years but im not happy with it. Whats your opinion on it . I dont know, sandy, it did report a good number with it. And its the only chinese stock im recommending. I want you to stick with it. I think its a good one. Lets go to mark in tennessee, mark . Caller hello, coach cramer. How are you . Caller announced this week they are real close to Global Adoption reimbursement on their Breast Cancer screen. Today it hit a 52week low. Yeah. Caller what do you say . Yeah. What happened is when gilead reported the amazing number and the stock didnt fly up, everyone started selling these, sir. So i think youve got to give it room. I think you can go still lower, sorry. Can i go to clifford in utah, please, clifford . Yes, longterm molly corp. , jim. I dont like that. Im a Balance Sheet guy and like core earnings power and dividends and they dont have anything i see that i like along those lines. Lets go to cory in massachusetts, please, cory. Caller big booyah from massachusetts. Nice, whats going on . Caller boston bruins, baby. Epzm, what do you think of the sthok . Again, i dont want to sound like a broken record about the biotechs, but celgene has a big position in this company. This is not what people want right now. Its almost back to where it came public. I would let it come in more if i wanted to buy the stock because it doesnt have earnings and the markets not tolerating companies that dont have earnings anymore. Lets go to cole in iowa, cole . Caller booyah, mr. Cramer. Whats going on, cole . I want to give a quick shout out to my friend and my question was about brunswick corporation. Lowered numbers and did the number and i think thats fine. I think this is a good play on the strength of the american consumer. We saw some weakness, we saw some weakness, owens corning. I like the fact that brunswicks lowered the bar. How about david in california, david . Caller yo, booyah, cramer. Booyah, david. Caller i wanted to ask you about sandridge energy. I think its dirt cheap. I like the plans they have, ceo, i think sandridge is a winner. I do like what theyre doing, s. D. Is for me. And that, ladies and gentlemen, is the conclusion of the lightning round. The lightning round is sponsored by td ameritrade. Its the revenge of the nerds. These are the stocks that wear pocket protectors, like a real nerd, you know. Consider the chief nerd, apple. Apple was flooding the nerds are now in charge. And wing tips. Herbs concerns are simple. Hes yellow flagging it. Why is he yellow flagging it . Not red, by the way. Still that potential yellow bear already threw the flag, got to throw the bear. As for the man. There, hows that . I dont know a soul who expected anything shocking from apple. Weve got the 7 for 1 split of the apple. One, two, three when you divide an apple pie into seven slices and i hope you do it better than i did four, five, six it doesnt make for more pie. Two, three, four, five, six, seven and i can say . How many of you expected this . Instead of a 7 for 1 split . Oh, yeah. Bring a knife over here. Dont bring a knife to a gunfight. Bring a knife to an apple pie fight. Did you have to get that in my hair . I mean, my head. One, two, three, four, five, six, seven. One, two, three, four, five, six, seven okay. [ tires screech ] chewleys finds itself in a sticky situation today after recalling its new gum. [ male announcer ] stick it to the market before you get stuck. Get the most extensive charting wherever you are with the mobile trader app from td ameritrade. Wherever you are with the mobile trader app carstheyre why we innovate. Theyre who we protect. Theyre why we make life less complicated. Its about people. We are volvo of sweden. We cant talk about investing without also addressing the Wealth Management industry. And right now, were seeing a sea change in this business, but the rise of digital Money Managers easy to use websites offered Financial Advisory services and brokerage products at ultra low prices. Thats why tonight were going off the tape to get a closer look at this business. Specifically talking to a privately held company, which means you cant own stock in it, betterman, the most Popular OnlineInvestment Adviser in the country. Its an Investment Adviser and asset manager. Specialize in goldbased investing directing people to a portfolio of index funds and fixed income etfs. Were all about active investing here on mad money, picking your own stocks, but if you dont have the time like putting your money in a cheap index fund. Thats the way to go. Betterman now manages 500 million in assets but expect to double by the end of the year. Lets take a closer look at john stein, learn more about this rapidly expanding business. Mr. Stein, welcome to mad money. How are you . Have a seat. Its a private company. Weve got to explore it. I dont want to make it sound like betterman is some stock thats trading right now. Right. Were still a private company. Theres always a possibility, right, one day, it could. Thats right. Most recently, Northwestern Mutual life and city bank have invested. Weve got the best of v. C. And finance. Lets say im an individual investor and not getting the service i might like because im not big enough. This would be a great place for you to go. People just starting out, people trading on their own and done with it or for a piece of their money they want to put it with us. So part of it, they might want to actively manage, but part of it they might want to give to you. And you are able even on a day like today, a bad day like today, you can adjust it to whatever the risk, the risk profile . Our portfolios globally diversified. So even on a day like today where the dow is down significantly, thats only 25 of a diversified portfolio. And we remind people that its for the longterm. And over the longterm, things tend to go up over the very longterm. And so the shortterm movements dont matter so much. Okay. Now, how much does it matter the interface . Because people tell me and i looked at the interface. The interface is pretty cool. But should that is that because you want it as a dash board thats easy and your current place may be much harder to work with . Yeah. How many people really love their financial sites . I thought that was a big problem in the industry that people, theyre too complicated, too confusing to know what i should do. And often times you see the wrong kinds of advice coming from them. Right. So our goal was to make a delightful experience that gave you the best returns we possibly could. And that is incredibly important. You can sign up in less than five minutes, all easily accessible to you on the mobile phone or as well as the web app. And on a day like today if you are nervous, you have someone to talk to, right . Yeah, call in any time, were there seven days a week, we do get a lot of calls and emails. Wheres the money at if i give it to you . We invest in a diversified portfolio. Is it like a custody firm . We manage it for you . And we do have a custody firm, as well, but were doing end to end everything for your account so that were able to provide a better experience. Were doing your tax accounting, doing all of the advice and the behavioral suggestions that we give you in the site. And if i if i give you, say, 200 to 300, thats okay too, right . Thats right. You can start out with any amount. And we have accounts that start out with small amounts, customers with start out with hundreds of thousands of dollars. And it isnt like if i give you 500, im only going to have 490 a day i give it to you. We charge. 15 to. 35 , which is less than anybody. That is low. And thats one of the reasons why you guys have been able to raise so much money in the last this year. Youve taken in a lot of money. One of the reasons were growing. I say are low fees and we get you a better return in less time. Sounds like a good model to me. Remember, its not a public company. Its a private company, but they have a very interesting website. Thats john stein cofounder and ceo of betterman. Thank you, john. First day of my life by bright eyes youre not just looking for a house. Youre looking for a place for your life to happen. Improving everything from booking to baggage claim. Were raising the bar on flying and tomorrow well raise it yet again. Look, i know it fell badly today, but this was just a flat week for the s p. The problem is, these very highly valued stocks. And i think theyre correcting and the rest of the market obviously if the s ps unchanged isnt getting hurt nearly as badly as you felt. I do worry about ukraine, okay. And we know i said that mastercard could be an issue next week. I do think that some of these high flyers that have profits can bounce or else i would have said, you know what, forget about the facebook. I didnt say that. But the others that dont have profits, i think they will be sales when they go up, not buys. So be careful, were looking for solidly Profitable Companies that have good growth. I like to say theres always a bull market somewhere, i promise to try to try to find it for yoe looking for his first career playoff win and his first playoff start as a flay flyer is steve mason. Injured late in the regular season, he needs to find his form against Henrik Lundqvist of the new york rangers. Lundqvist makes his 70th consecutive playoff start in game four tonight. What a goal. Scores