something for you at the end. tomorrow we're going to tell you how you can look and feel 20 years younger. >> plus, from "the office" jenna fisher's going to be here. >> and "dancing with the stars." we're going to talk about that. -- captions by vitac -- www.vitac.com i'm jim cramer and welcome to my world. >> you need to get in the game. firms are going to go out of business and he's nuts! they are nuts! they know nothing! i always like to say there is a bull market somewhere. "mad money," you can't afford to miss it. hey, i'm cramer. welcome to "mad money." welcome to cramerica. other people want to make friends, i want to save you a little money. my job is not just to entertain you, but educate you. so call me at 1-800-743-cnbc. let's make something real clear. we don't trade the fed, we don't trade the durable goods numbers, the spanish deficit, short-term unemployment reports and we certainly don't trade a ben bernanke press conference. on a wonderful day, where the
dow rallied 89 points, s & p up 1.36% and nasdaq up 2.3%, it's important to remind people that we invest on "mad money," we invest in companies that produce real earnings streams. and when earnings are strong, we buy, buy, buy, stocks. and when they get weaker, we want to sell, sell, sell stocks. it really is that simple. the basic notion seems to elude many home gamers, in part because the hedge fund media complex propagates the misleading idea that you should hang on every piece of macro data and the feds' instant reaction to it. this focus is egregious and confusing and harmful as the risk on, risk off clap trap that i am indeed stamping out one pundit at a time. so let's set the tableau.
since the economy went kerflooey, we had to determine whether the economy would relapse in the great recession. we've become blinded by data like the awful aggregate case schiller thing that came out, which tells us our homes are in free fall when they're not. we have become conjoined with the federal reserve. ben bernanke speaking or one of his minions is squawking, we can't believe anything else matters. guys, that's insane. many traders are under the mistaken impression that the economy has to remain weak to keep the fed on the team, helping stocks go higher, without the weak economy, stocks can't go higher under this warped prism. the obverse is true. if the economy gets better, the fed will slam on the brakes. what will happen? the market will go down. >> the house of pain. >> see, the trader media complex
has decided based on nothing empirical, based on nothing at all, that if employment improves, industrials rise, if more goods are sold, that's bad. we will slip into a terrible slowdown. and the punditocracy has infected you with the totally ridiculous line of thought. it's true investors and stocks want low interest rates and we like easy money. lower interest rates are more the more compelling, but you know what? rates so low right now, even with the fed raising them aggressively, it still wouldn't change my view of the competitive dynamics. second, we invest in the future earnings streams of companies, not just dividend streams. we are looking for earnings, those earning streams will go higher if the fed were to get more positive on the economy, most of the companies, once thought to be nonconsumer cyclical package names, we know empirically that they have to go
higher to beat earnings. it will get less accommodative if employment will pick up. bad for stocks based on some kind of twisted logic. if the vast majority of estimates will be beaten, we need job growth to come back. we need more shopping and purchasing to help the retail cohort. we want people to buy more technologies, more jobs, more cars to be built and we need customers secure enough in their jobs that they are willing to buy. something that hasn't happened yet, the average car on the road is 11 years old, oldest in history. if we want more spending on homes we need more jobs. that's the most important indicator if more homes will be built. we are building fewer homes than when our country had half as many people in it.
we want the financial sector, by the way, the biggest sector in the s&p 500 and need rates higher. we better get job growth real soon. unemployment behind the bad loans, why we don't have more robust consumer lending and bank earnings have been so tepid. interest rates are too low for banks to make money, that's what will get stocks moving higher. i talk to top anchors. they want higher rates. consumer products companies and drug companies and the once recession resistant cable companies to do better, we need household formation. the birth rate down is down a staggering 8% in this country. that's totally related to the fear that people won't be able to find a job or keep a house. we need the private sector to do more hiring. it would be a godsend for stocks, regardless of whether the fed may inflict pain by raising rates ever so slightly.
and, remember, better earnings, not lower interest rates, breeds higher stock prices. we're getting lots of positive data from companies as diverse as southern company told us that things are getting better in the southeast. and they need to fix balance bearings, versus eaton. to ryder, united rentals, rent trucks and earth moving machinery. all of which are saying things get better. that's what we want. that's why the rally today makes sense. i just need you to realize that the fed didn't cause it to move, it's the earnings. it's the earnings you should care about. don't fear good economic data. don't fear the hawks and the fed. that's a hedge fund media complex brainwashing you. the people who tell you this market rallied because of the fed, they -- because the fed says it will keep money easier, they are living in yesteryear. at one time i needed the fed to verify things were getting better and force the cash in the
bond market, long-term bond market funds to come into the stock market. it hasn't happened yet. we get job growth, a fed acknowledging growth is lasting and real demand for money. guess what? we go higher, not lower, and that's exactly what i'm betting will happen as the year goes on. i want to start with mike in pennsylvania. mike. >> caller: hi, jim. big booyah from mike here. my question is mt, with their exposure in europe and china, your thoughts on where a company like this in basic materials would be at. >> first of all, i would rather be in nucor. i won't steal something that the chinese are involved in. anything that the chinese are involved in wrecks everything, okay? unless they are buyers of it. i'm not a buyer of steel companies. john in new york. >> caller: jim, on yesterday's show you talked about some strong u.s. companies, g.e., coca-cola, ibm, et cetera. >> you bet.
>> caller: why was union pacific -- i would think union pacific might be among them. >> the reason i didn't include them, i was afraid norfolk southern would disappoint and i would have egg all over my face. that was my bad for not seeing through the propaganda, thinking every rail would say the wrong thing. i got it wrong, waited, too cautious. it happens. even me. hey, what can i say. better earnings breed earnings and higher stock prices. it's not that hard. the fed didn't cause the rally, the earnings did. "mad money" will be right back. coming up -- upon further review. investors have been bidding up shares of the world's largest auction site after strong earnings. but should you stay on the sidelines? or buy it now? and later, istunner, after trouncing the skeptics, apple's almighty once again.
how did so many on the street get this one so wrong? and how can you make iprofits for years to come? all coming up on "mad money." miss out on some "mad money." get your mad money text alert today. text mm to 26221 to get cramer right on your phone. for more info, visit madmoney.cnbc.com or call 1-800-743-cnbc. ♪
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during the height of earnings season, when you have literally hundreds of companies reporting every single day, take the time to study results before you rush to judgment. so because i want to encourage healthy investing habits, all week we're celebrating the need for rumination and contemplation with a segment called upon further review. this is where we wait seven days and then with the benefit of homework and hindsight, i tell you which company reported the best quarter of the day a week ago. what's the point here? it's worth familiarizing yourself with winners, because stocks can be bought in any weakness, typically from
portugal, spain, luxembourg. think of it as a way of building the ultimate shopping list for this moment. let's go back to last wednesday. what was the best quarter of the bunch? no contest. last wednesday's winner was ebay. it wasn't overlooked. not by any stretch of the imagination. ebay delivered a four-cent beat, stronger than expected revenues that rose 28.7% year over year and also raised its full-year guidance. the next day ebay, wow, the stock shot up 13% and admittedly went to multiyear highs. after pondering this one for a week, i don't think that's enough of a move. it is a -- buy, buy, buy. here is the reason. not so much about numbers. they were terrific. it's about the vision, and that's been lost in the earnings season shuffle. i want you to forget about ebay's core online marketplace business for a second, because
this story is all about paypal. paypal is the leading standard for online payments. they have 110 million active account holders, 190 countries. total base of 230 million accounts exceeds the number of accounts of visa and master card, to say nothing of american express and discover. when i wanted a credit card, my parents gave me an american express family card. when my youngest daughter wanted a credit card last year, she asked permission to access an paypal account. don't laugh. she wanted a second ipod years ago. she needed a different color and everybody had two of them because it was a fashion accessory.
now ebay, the same fashion and profit forward daughter, the real opportunity isn't with an online credit card making online payments per se. it's with mobile payments, using a paypal app on your smartphone to buy stuff not just online, but in the real world without ever having to fork over your sensitive credit card information. they are integrated into local markets around world. paypal can be everywhere. when you look at mobile transaction numbers, they are staggering. the report comes out, and last year, there were $4 billion worth of mobile payments. this year, that figure expected to grow to $7 billion. this is the single hottest part of the electronic transaction business with a much more rapid growth rate than traditional credit card payments. paypal is the top dog in terms of mind share and safety. think of your wallet as the
dinosaur of the modern shopping experience. with paypal, ebay is aiming to provide consumers with a genuine digital wallet that lives securely in the cloud. it can be accessed through whatever device that the consumer wants to use. now, this quarter we caught a glimpse into the future. it blew me away. paypal will launch their first point of sale product in home depot and it's now in use at 200,000 stores across the country. it lets people pay by swiping a paypal card or simply entering their mobile phone number with a pin. ebay envisions a future where you can use your phone to pay at a restaurant without waiting for the waiter to bring you a check or pay for things in a store without waiting for a cashier.
you can pay by tapping your phone at a point of sale terminal like some credit cards let you do. retailers love this, they will love to embrace mobile paypal. i have seen the future and it is, indeed, paypal. this is a fourth alternative to visa, american express and master card. they increase their total addressable market from $400 billion to a trillion dollars. the total payments $519 billion may lag larger credit card companies. over the last 5 years, growth 25% annually. and it will increase as they have new point of sale terminals. why is it so important? visa has a $99 billion market gap. master card, $56 billion. ebay, just $51 billion. for the whole company, the ebay marketplace, and paypal.
paypal alone could be worth as much as the entire company. ebay were to spin it off as a separate stock, it goes through the roof. master card, how has that done? visa not that shabby. if ebay spun off paypal, i think you would get a similar trajectory. paypal alone is worth $50 billion, and the rest of ebay for free and that's nothing to scoff at. the core marketplace division, $8 billion business, 40% operating margins, cash cow. when you back out the $4.50 of net cash on the balance sheet, ebay's only trading at 13.2 times earnings. 12% long-term growth rate. the growth number is way too low, considering the surge in mobile payments. here's the bottom line of this incredible story. the paypal opportunity alone is enough to justify buying ebay
into any weakness. after this latest quarter, we know the company has a real vision for the future of their payment biz. it's the kind of vision that has potentially explosive money. ebay is the best way to play mobile basements. it doesn't just get nearly enough credit for its potential. after the break, i'll try to make you even more money. coming up, istunner. after trouncing the skeptics, apple's almighty once again. i knew that. but how did so many on the street get this one so wrong? and how you can make iprofits for years to come? ♪ [ female announcer ] lose yourself in a delicious lunch. ♪ special k protein shakes and meal bars. with 10 grams of protein and 5 grams of fiber each... they satisfy your hunger longer so you can stay on track. [ telephone rings ] ♪
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apple's earnings report yesterday afternoon. i have to take a second now and really lay these guys to waste. that's how the stock can get hammered selling off before rebounding with a vengeance today. up more than it would have been normally because these people were so wrong. wall street analysts don't exactly have a sterling track record and they are paid fortunes by the way. but this is perhaps the biggest screwup we've seen with a high-profile stock in ages. i have to detail the way they threw you off the scent of this spectacular quarter to show you how the heck they could get it as wrong as they did. first we need to go over the flaws in the methodology that will lead you astray, and the research, the research they put out, it is not designed for you. i come out every night and tell you apple is a fabulous investment story. it's an inexpensive stock with a
bright future. maybe not as bright as when steve jobs was alive, but extremely luminous nonetheless. it sells at a huge discount to virtually every other tech stock i follow. and if it didn't trade at such a high dollar amount, $600 per share, the undervaluation might be more accessible. get your arms around it to all of you home gamers. analysts are realists and technocrats. they are constrained by the four walls of the spreadsheet canvas. when they need to be impressionists, trying to break free from the one-dimensional straitjacket that binds them. let's extend the metaphor. cezanne, matisse, pollock, getting beyond the pure numbers, the simple calculations that determine their end product. all these mistakes because analysts are only trying to slap
a number, an estimate on a stock, far more difficult to game than any other stock i follow. in part, because the company is completely unhelpful. apple doesn't think it needs or should hold their hands and since apple is head and shoulders above every other company on earth it doesn't. they don't need to sell the stock story, they sell the product. what exactly did analysts miss? big picture. these alleged professionals were zigging when apple zagged. they were looking for a disappointment. but apple delivered an even bigger beat than usual, with revenues coming in $39.2 billion ahead of what the street was looking for and up 59% year over year. when we came on the set, we were staggered. and it translates to $12.30 of earnings per share.
$2.26 beat that sailed over the most bullish estimates. apple could have made more if they only had enough ipads to satisfy demand. i call that a high-quality problem. there were misconceptions going into the quarter. the iphone issue, it accounts for 58% of apple sales. earlier this year, at&t and verizon activated far fewer iphones in the first quarter than anybody expected. this little data point led many analysts to believe iphone sales would disappoint and it was a crucial pillar of the bearish thesis going into the quarter. the problem? the problem with this analysis, at&t and verizon just don't matter like they used to. these two carriers fell from 31% of total iphone sales, and new entry sprint sold 1.5 million iphones. and apple has launched
international business which is far more important than analysts figured. they would have been better served talking to the chinese carriers than the american ones. the analysts were looking between 28 and 33 million iphone sales and a few outliers looking for 34 million. when they had an 88% increase year over year, terrific number, and analysts were swayed by contacts at verizon and at&t, saying the subsidies they need to pay to support apple sales aren't going to continue and will start emphasizing other phones. oh, really? let me give you a little hint, guys. here is the big problem. carriers can advertise whatever kind of dog food they want eaten, but it doesn't matter if the dogs won't bite. customers want the iphone more than any other phone. verizon balks, sprint will take verizon customers, clear as day,
that's what will happen. second big mistake, ipad numbers. 11.8 million ipad numbers. up 150%. 150% year over year. worries abound ahead of the report that two-third of the quarter was hurt by a slowdown of ipad. this was by spurred by a surfeit of sandisk flash drives, to make up for their own shortcomings. they simply made too much flash, not an apple issue, and apple has expanded because flash and disk drives were in oversupply. came in at 46.7% and no wonder apple's earnings were higher than what the street was expecting. analysts failed to recognize the power of the amazing network of retail stores. sold 24% more product. they don't get 360 plus stores moving a huge amount of
merchandise. 24% same-store sales growth. there were fears after qualcomm announced a shortage of capacity. a lot of people were worried about the delay of iphone 5, but we found out that apple has far more supplier options. we also heard chatter that domestic smartphone market was saturated. that threw people off the scent and that could stunt apple's growth. apple has become an international story. sell 150 different countries and 230 carriers. and in china in particular, five-fold increase. in fact, astonishing how sales totally ignore the impact of china. i saw some analysts today talking about how apple was rescued by china, take out the prc and the company was disappointed.
take out china? why? siri speaks english over there? i want to draw your attention to a terrific piece by james rogers, columnist. he calls out the numbskulls who got apple wrong and holds their feet on the fire. i never like to name names so in the interest of being an elder statesman, i'm going to say that rogers named names. deutsche bank, huntsman square research, some of the worst in severely low balling apple. and peter mystic from jeffries, he said iphone's shortfall was on the horizon. good grief, a classic case of the analysts, they fret and extrapolate from negative data points and should be focusing on opportunities that apple is going for. if you're trying to come up with a guesstimate of what apple
earned you are looking at a tree in the middle of yosemite national park, and it's better to look at the beauty of the entire park. if you don't know how to look for the most important factors, you ain't going to learn them. i say stop the bogus trading calls, focus on investing in apple. the only way to make money in the most important stock of our time. ira in new york. >> caller: hey, jim. sorry about those nets. i hope new jersey's loss is brooklyn's gain. >> i'm going to get season tickets. that's my kind of place. what's up? >> caller: tech stock, other than the all consuming fruit. down 10% since i went into jbl. i wasn't concerned in march, but i'm concerned about an increase in debt, the competition strong,
and sluggish, europe and u.s. economy. what do you see not only for jbl but for the tech sector as a whole? >> buy more jbl tomorrow. we have earnings tonight from akamai, citrix, cirrus logic, xylink, and every single one said good things. it's in the sweet spot. don't believe the stock, believe the fundamentals. james in florida. >> caller: hi, jim. i just love watching you every morning and every evening on "mad money" and truly admire your boundless energy. >> thank you, man. i'm cooking with propane here. that's what i'm doing. >> caller: me too. emc stock, based on fundamentals for well over a year. do you think that emc might be a takeover candidate for a company like microsoft? or that they could conceivably spin off or sell their 80% stake
in vm ware? >> i don't think either, the guy who runs the company who literally just re-upped because he knows this is an exciting time. joe tucci, he is saying emc is all systems go. not a takeover target at all. an earnings story and growth story. it is hard to get to the core of what you need to know with apple. they should be investing, not trading. they are missing a big move. stay with cramer. coming up, foreign invasion. the headlines from across the pond can punish our markets. time to take a european vacation? a new outlook on the eu that could prove profitable. and later, whether the dow soars or hits the floor, jim tries to help you stay on steady ground with am i diversified. all coming up on "mad money."
are you ready, skedaddy? let's start with donna in california. >> caller: hey, jimmy, how are you? >> real good, how about you? >> caller: great, thanks. what's up with pete's coffee and tea? >> big coffee bull market. let's hope starbucks goes down so you can buy it. i don't think it will. let's go to dave in pennsylvania. dave. >> caller: hello, dr. cramer. i have a billy bibbitt ba ba booyah. >> what's up? >> caller: i have a lot of clients that are physicians. what do you think of sq? >> they are dreamers. >> don't buy. >> you know i don't care for that one. john in connecticut. john. >> caller: hi, jim. thank you for taking my call. a question for you. i know you like the best of the breed, and a good dividend. what is your take on sanofi. >> i had to cut my risk here.
it's from europe. and it's my charitable trust. hung with europe no matter what we do. and because it's hung with europe, you are taking risk, okay leave it at that. donald in new jersey. >> caller: dr. cramer, donald from jersey city. >> i must be a doctor. go ahead. >> caller: my stock is baidu. it took a licking. >> the stock bounced but i had say it right now, right here. i no longer have any chinese stocks i want to own. i'm saying sell, sell, sell, sell. even baidu. i'm done with communists. he called them communists. well, they are. steve in new mexico. >> caller: jim cramer. >> dr. cramer, go ahead. >> caller: dr. cramer, booyah. >> booyah. >> how about the boston beer company? >> i think it's growing fast.
i myself drink pbr. let's go to fawaz in california. >> caller: hey, happy -- i want to thank you for all you do. >> my pleasure. >> caller: i'm up 50%, stock i'm talking about. i don't want to get greedy. yields 6.5%, 10 cents below 52-week high. main, m-a-i-n. >> i don't really know what they own, so it's very hard for me to judge it. i would sell. joan in michigan. joan. >> caller: a big sunny southern booyah from greenville, south carolina. >> one of my favorite areas. baseball down there. what's up? >> caller: what's your expert opinion on the recent ipo sand ridge mississippian trust? >> i like the deal. it's holding up well. a great oil platform. christopher in oregon.
>> caller: mr. cramer. >> you're up. yeah, you got me. >> caller: thank you for taking my call. i love your show. a big booyah from keep it weird, portland, oregon. >> i love it there. big intel place. go ahead. >> caller: yes. question. ges. >> stop guessing with guess. i don't want to own that. >> sell, sell, sell. >> no, thank you. go to a non-aspirational brand and buy shares in ross stores. steve in new york. >> caller: first time caller. >> good to have you. >> caller: wondering about ocd? >> sell. say dry business isn't so hot. they want to come on and tell me why i should like them, they are welcome. ron, in michigan. >> caller: mr. cramer, how are you doing? >> not bad. mr., doctor. i keep getting defrocked. what's up? >> caller: amd, advanced
microdesigns. >> how low on the apple card do we have to go? not stooping to amd. arlene in california. >> caller: jim, my question is about gww, granger. why the big drop after its great earnings last week? >> because people who are sellers don't know what they are doing. i say buy, buy, buy. cheryl in wisconsin. >> caller: a big booyah from wisconsin. >> good, clean cheese. >> caller: my stock is byd. >> boyd is okay. i will see you boyd and raise you a las vegas sands and take all of the marbles. chris in oklahoma, o.k. >> caller: a big yeehaw booyah from the home of the cowboys, stillwater, oklahoma. >> oh, man. i'm all over boomer sooners. man, what's up?
>> caller: wondering if you would bless a buy on telecom corps of new zealand. >> i am not a buyer, i'm a seller. and that's the conclusion of the lightning round. ♪ so every year my family throws this great reunion in austin. but this year, i can only afford one trip and i've always wanted to learn how to surf. austin's great -- just not for surfing. so i checked out hotwire. and by booking with them, i saved enough to swing both trips. see, hotwire checks the competition's rates every day so they can guarantee their low prices. that's how i got a 4-star hotel on the beach in san diego for half price. ♪ h-o-t-w-i-r-e ♪ hotwire.com
i am, after all, now less than 10 million away from catching ashton kutcher. follow me and tweet me @jimcramer #cramersweeps. you can do that all week long and choose a winner #cramersweeps. a tweet asks me, bp, annaly, inergy, nova gold, radioshack. guru cramer, am i diversified? let's take a look. let's see, a high yield real estate investment trust. a propane company, very dangerous. nova gold. okay. really down on its butt.
radioshack. retailer down on its butt. a lot of butt here and bp, an oil company that is checkered to say the least. an oil and propane, let's say those are two together, take that one out, bring in a health care company, abbott. a financial, oil, drug, retailer and a gold and that says bingo. #bingo. let's go to jacob in wisconsin. jacob. >> caller: hey, jim, how is it going? >> real good. how about you? >> caller: a booyah to you from wisconsin. >> nice. second one from today, and i'm thrilled. >> the five stocks i've got for you today, wynn resorts, wynn, priceline, pcln, bristol myers, bmy, alcoa, aa and philip morris, pm. am i diversified? >> this is so easy because it is so good. i like lvs.
but doing his best with alcoa. and philip morris, my charitable trust wants that one so badly. and bristol myers, a drug company, internet play, tobacco company, casino, aluminum, and i say, hallelujah. well played. how about john in maryland. john. >> caller: jim. >> john. >> caller: hey, jim. >> hey, john. >> caller: thanks for taking my call, man. most important segment to me out there. >> and my friend matt, who i wish the best of health, we talked about how important this is to do every single day. go ahead. >> caller: yes, indeed. booyah, important to me, you're a passionate sports fan i think, and with all the news that goes on, i can't help but give you a penn state wrestling back to back division one championship booyah.
>> all right. got to as many games as i can this year. >> caller: what? >> we have a ton of kids going and they are proud. what's up? >> caller: these student athletes work as hard as anyone. >> okay. >> caller: my most recent ones, i want to give them to you, and see if i'm diversified. i want your judgment. so i got serl, intel, intc, cme, hnz, and level three, and dial down the risk a little bit in my i.r.a. a note that's interesting there. >> all right. let's deal with it as if it's a sector play. we have to do sector. level three, okay. that's -- akamai, i don't like the guidance. that will go down tomorrow. it's a fiber play. cme, financial play. oil, packaged food and intel, semiconductor.
i like this. semi, food, fiber, financial, and oil. that's very nice diversification. i approve it. john in california. >> caller: jim, booyah from the caveman investment club. you are our mentor. we're not computer literate. we follow your instructions, read the paper and have a blast. >> yabba dabba booyah. >> caller: chesapeake, bekin, philip morris, emerson electric and raytheon. >> let me take care of this one. the caveman club. i'm going to defend the caveman. emerson, diversified manufacturing. chesapeake, natural gas company, down on its luck. a housing play, defense play, and tobacco, defense, housing, oil and gas, processing, industrial. wow. yes. well played.
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we all know that nothing good is happening in europe. things getting worse by the day. austerity, uk joining spain, giving recession numbers. not enough firewall mining. the biggest ridiculous thing, it doesn't matter. and on other days it does. don't get all dismissive. last year the weather so dangerous you didn't want to go outside. and last, i'm hearing people catch themselves when they use risk on, risk off jargon. they know the silly hedge fund
speak and know it doesn't fit our network. more about having something to say. to sound smart rather than be smart. back to the weather. we don't know if hurricane season is past or in the eye of the storm or if bob dylan, a hard rain is going to fall. we don't know if we're in a dry season punctuated by storms or if the storms have lost their punch. we do know this. the weather will always be with us. but this year, better prepared. whether it be hurricanes or tornadoes or rain. i can only get away with saying something like this in a day where europe is benign. the weather will stay awful for years and years to come. it seems to be able this year, exploit sunnier days or move operations that can be moved out of places where the weather is bad and into areas where it's good. conference call after conference call, i heard companies move with alacrity to lessen exposure to europe and cut back in such a meaningful way, even financial firms that are most linked to
the floods and storms are pretty much cordoned off and protect. i tell you, industrial firms, they are really getting there. the important takeaway. we know what europe isn't. it's not a thermo nuclear fallout cloud drifting over the atlantic. not an ebola virus, and it's not some kind of ice age creeping across the ocean and not an army of suicide bombers ready to take out civilization. it's just weather now. don't feel bad. and not life threatening, here we can change financial plans about as much as you want to change them in 2011. like the weather, you get used to it. figure out how to build it into your thinking without being paralyzed by it. and it always stops raining eventually. stay with cramer.
let's start with car insurance x. this one does save people a lot of money and it's very affordable. it was very delicious. could you please taste car insurance y? this one is much more expensive. ugh. it's really bad. let's see what you picked. oh, geico! over their competitor. you are a magician right? no., oh. you're not?, no., oh, well, give it a shot. i am so, so sorry. it was this close.