jimcramer. In the face of crushing declines, rallies, even plain jane garden variety days in this market we must always guard against our own Human Emotions often get the better of us when everything is going well in the stock market and when things are going badly, they seem to grip us totally. When things are too good, we tend to take too much risk. When things are going terribly, we despair and leave the stock market entirely. A fact of life. Over the years, even as stocks climb and climb, there have been real swoons that drove people out. Sell sell sell and they went to securities that gave you little or no return. Then they watched the big gains from the sidelines. I totally understand the aversion people have to stocks. Im not in denial about them. The huge downturn in 20002001 crash or facebook ipo. Insider trading cases and obvious situations where a stock of yours went down and down and clear someone knew something and you didnt. I validate all these feelings right now, right here. But the fact is stocks remain the only game in town. Maybe one day when the economy gets strong enough, Interest Rates go back to more normal levels and we can own stocks as well as certificates of deposit or bonds, whatever might be attractive in what we call the fixed income markets. Until that does we need our money to work for us. Were like the avis ad. We have to work harder to make our money grow. Thats what tonights special show is about, how to make your money work harder in a responsible way. Were using different types of stocks to show how we can do that responsibly and carefully, look, what suffuses this show for years is prudent personal investing. We call the shows episodes here. Why . Because each one is written and thought about as a different entity on its own. I recognize it because its something we, meaning me and mad money are very proud about. This is an episode about better investing for you. This show is about managing your own money or being a better client if you have a Service Broker working for you. If you dont want to manage your own money, over the years i have been perfectly happy you buying an index fund or even a couple of them, one that represents the entire s p 500 and another total return that has a smattering of all stocks. And i have changed over time in part, so often i find theyre about raising money rather than doing well for you. And so few of them have beaten the stock market and i arrived i bless throwing your hands up and buying a fund of the index variety. At the same time, i know many of you tune in because you want to own individual stocks. Im not going to talk you out of it. I will make you better at it. Its something that you decided is good for you, maybe as companion to an index fund or as a way to grow wealth because you think can do better than an index fund. I believe in the many years we have been doing this show, thousands and i mean thousands of people have called me or told me or emailed me theyve done better than the market using the show and their own knowledge. They meld the two. The rise of twitter has validated this principle. What we are doing tonight is giving you directions how you can pick your own stocks and still not take on too much risk. Normally we say the way to do thats to be diversified. I start to see many portfolios where pretty much everything would trade together in unison downturn sell sell sell now, you know that i cant cover all the stocks in the world. Sometimes i think people think i try but i dont, i cant. Thats why i often use shorthand to tell the story. Do i really want you to own only five stocks . No. It would be better if you had 10 stocks and no more than 15 because you cant keep track of the homework i advised. We have done many shows what you know it means knowing what the company does and youre for how its doing and why its doing it. Homework is time consuming. Thats not the purpose of tonights show. What i want to do this evening is give you some ideas to explain there classes of stock within the stock market that arent just by sector. I am offering tonight a new kind of diversification that can help you guide you toward what kinds of stocks you have if you want to manage your money which many lets go over your mindset. If youre going to manage your money you have to recognize the value of humility. Please repeat after me. Sometimes im going to be wrong come on, say it sometimes im going to be surprised and not in a positive way and sometimes my stock picks wont work out despite my i of all people know humility doesnt come naturally for everyone. Staying humble is important. Why . Because other than greed nothing costs people more money than arrogance. If you own stocks you have to accept the fact you will be wrong, perhaps even often. As the past few years have taught you, painfully, your portfolio will get hit with things you never saw coming, things you never imagined let alone thought possible. I talk about this new diversification, diversifying among sectors isnt enough anymore. You need to work harder than basic diversification as in industrial, utility, drug stock, financial or a techie recognizes that to be a little new age, we are at one with the world. Stocks around the globe trade together these days in good and bad times and thats impacting our stocks in different ways. Electronic funds, etfs link in ways i never dreamed of when we started mad money and you need a portfolio that works in all kinds of markets, even ones that import the errors and pitfalls of political and geopolitical events to our shores because these matter than they used to. Again i had to change. I never used to care about the machinations of washington. They rarely impacted stocks. They were a sideshow. After the great recession, we have had elections that directly intervened in the markets worldwide. Its not just our politicians we care about. I started the show, who would have thought we needed to know what the European Central bank was, what it was going to do, let alone the persons name who i didnt used to know that stuff. Who would have thought we would have to gage the strength of the chinese economy on a week to week basis. Even sometimes daily. Its been all strength for three decades. And who would have thought coal would be back on the agenda or always be a hot war in the middle east. We need to protect ourselves against these new intrusions we didnt concern ourselves when i started this show and tonight is an homage to this changed world and new diversification and owning the right stocks. We will explore five different areas you need covered for maximum protection and maximum upside. You need gold although i know it can be a complete dog. Thats all right. Ive been there, too. It can function as insurance if the world goes bonkers and inflation does come back as all the smart hedge funds keep saying it will. You need a dividend stock and growth stock and something speculative and something from a healthy geography. Have a portfolio that can win in any market and why i will explain what makes them all so essential and teach you how to analyze stocks in each one so you can fill every position with the best possible names. Bottom line, a good investor knows to always expect the unexpected. That means keeping your portfolio diversified with only 20 of your holdings in any one sector. High yielder, growth stock, geographically safe stock. Stick with cramer and i will teach you how to pick the best in each of these crucial categories. Why dont we talk to sean. Caller thrilled youre having the show. Great. Caller i would like to thank you for inspiring young investors including myself. Im a 21yearold finance major at Florida State university. I want to get your opinion. First, i say go noles. My first job out of school was to cover Florida State and florida a m and i love people in their 20s must take risk. I say that because everyone is so darned risk adverse these days in life. They dont understand you need to own speculative and high Growth Stocks and stocks just Growth Stocks. That will be the mix of diversification if i were back in my 20s. In my 20s when i spent all my money at big daddys in tallahassee on that beat your head in night, called beat the clock, the drinks started at a nickel, i should have put the money in the oil stocks. How about helen in illinois . Caller hi. This is helen a retired lady. I want to know when you make money in the stock market, is it better to take some out and put it somewhere else or lose it. Thats a great question. My mother, when i used to go gambling with her, always said, listen, lets take the winnings off the table and buy a cashmere sweater. You should take some of the winnings off the table if you our goal in life is to play theres many goals in life. Our goal in Financial Life is play with the houses money. That should be your absolute goal. At a minimum, if you can do it, its fantastic. Diversification is the spice of life. High yield, gold stock, speculation and safe stock. I will help you. Find the best of each on tonights special show. Stay with cramer dont miss a second each mad money. Follow jimcramer on twitter. Have a question, tweet cramer, madtweets or email madmoney cnbc. Com. Or give us a call 1800743cnbc. Miss something, head to mad i think we shouldve taken a left at the river. Tarzan know where tarzan go tarzan does not know where tarzan go. Hey, excuse me, do you know where the waterfall is . Waterfall . No, me tarzan, king of jungle. Why dont you want to just ask somebody . If youre a couple, you fight over directions. Its what you do. If you want to save fifteen percent or more on Car Insurance, you switch to geico. Oh ohhhhh its what you do. Ohhhhhh do you have to do thattright in my ear . A heart attack doesnt care if you run everyday, or if youre young or old. No matter who you are a heart attack can happen without warning. If youve had a heart attack, a bayer aspirin regimen can help prevent another one. Be sure to talk to your doctor before you begin an aspirin regimen. Dry spray . Thats fun. Its already dry no wait time. This is great. Its very soft. Can i keep it . laughs all the care of dove. Now in a dry antiperspirant spray. Enough pressure in here for ya . Im gonna take mucinex sinusmax. Too late, were about to take off. These dissolve fast. Theyre new liquid gels. And youre coming with me. You realize i have gold status . Mucinex sinusmax liquid gels. Dissolves fast to unleash max strength medicine. Lets end this. politely wait, wait, wait you can t put it in like that. You have to rinse it first. That s baked on alfredo. Bakedon . It s never gonna work. Dish issues . Trust your dishwasher with cascade platinum. It powers. Through. Your toughest stuckon food. Better than finish. Cascade. Theres a more enjoyable way to get your fiber. Try phillips fiber good gummies plus energy support. Its a new fiber supplement that helps support regularity convert food to energy. Mmmmm, these are good nice work, phillips the tasty side of fiber, from phillips. Tonight, will teach you a novel, a novel way to fill those five slots in your portfolio i always talk about, the five type of stocks that represent what i call the new diversification. Not just by spector but style and strategy. If executed correctly you will always have something that holds the game even when it feels so excruciating baby crying you dont want to continue to play. Some positions can go much higher when times are good. Whats the most important category . No question about this. In a world where were even and Central Banks raise rates from world levels you cant get enough interest from bonds and deposits to live on you need enough stock to live on. This isnt a fuddyduddy way to approach this. You need to own a stock at least one with a big high yielding dividends. Owning two or three high yielders but no more than that. It can be a good thing. Theyre not the same. I wouldnt go in on five high dividend stocks because then youd be extremely vulnerable if the return or long term Treasury Bonds ever spiked in a highway. You could get hurt. We always respect the high power holds on stocks and Interest Rates particularly if they rise fast your diffident related matter the industry might be. We see this time and again. A telephone utility like verizon can trade with a company like proctor because they have high dividends. Important to consider after a period of time, tame Interest Rates, they could all be at the exact same time and be concerned the favorable tax rates on dividends could go away and make them competitive to bonds and give these fixed income equivalents a real whacking as it did in the spring of 2013. If you own one stock with a really large yield and one or two of the other names in your portfolio also happens to sport good dividends, not a bad thing. I know dividend paying stocks may not be what people consider sexy. Dividends make you money, for heaven sakes. Admittedly i have a pretty warped idea of sex appeal but putting dividends back into the stocks is one of the most reliable way to make money plain and simple. It allows your investment to compound, compound over time. In other words, the money from your past dividends pays dividends on compounding returns provided you keep reinvesting. Theres a huge misconception about dividends. 2 or 3 , how can they add up . People think high yield is only about safety or generating income in requirement. In january, 1946, 4 of the s p 500 has come from these reinvesting dif dents im talking about . 40 . Correction. Thats how they are for capital appreciation, wall street gibberish for growing your money. Dont i know it. I run a Charitable Trust as part compounding in a traditional way has hurt me over time. Hurt the fund. I dont get the money, charity does. Dividend stocks arent merely a place to hide when things get rough although they represent safety in difficult times. They do a good job on capital preservation. Investing in high yielders is one of the smartest for investing money period and one of the safest since dividend stocks have a cushion called yield support and hanging in there when everyone else is getting annihilated. As the price fall, the yield increases and becomes too attractive for investors to ignore. That cushion is what i calling accidental high yielder, ahys when ever you can find them and these stocks yield north of 4 fast causing the yield to skyrocket. Time and again we see stocks bottom at this 4 level and seen it in financial crises and emerging down turns and yes a debilitated china relatively speaking because it still grows faster than most of the world. Once the yield hits 4 , as long as the differeds are safe, these stocks seem to have an imagine callaway of stopping the downturn and often become fabulous bargains . The dividend hike is one of the clearest signals a management can send. One that can raise it has stable reliable growth and a company you can be pretty darned sure wont be cutting that dividend any time soon. You cut it after you raise it, thats embarrassing and can cost a ceo his neck. Dividend increases are Serious Business not easily repealed and outlets put through dividend increases for 13, 14, more thats stability and why i always emphasize my love for what we call the dividend ar rhys to kratz. Proctor and johnson johnson, long raises. Other than high yield and dividend use, how do you analyze a high end dividend stock . You have to think safety. High ends are attractive but a very high end can be unsustainable and have to be cut. You will see me throw the red flag here. That takes away lets put it this way. You need a rigorous safety inspection. If the dividend is sound. Maybe the company can raise it, too. If it seems endangered, no. Uhhuh. It aint worth it, people. You have to stay away. Consider the Cautionary Tales of what we call the barge arbitrary Gigantic Companies with bonds on borrowed money. When rates shucked, i warn against them, dont take the bait. There was nothing about these high yielders, a huge red flag sending a signal the payout will be reduced in a very short period of time. One not worth risking. Dont risk holding on that to capture a juicy dividend. By the way, we saw that happen a couple years ago with radio shack and supermarket chains super value. They had huge dividends. Super value was able to bounce back but not until it cut its dividend despite protest station made before the cut to the management, and i interviewed them. Given im biased against too good to be true high yielders, how do you make sure the dividend is secure . You look at the earnings per share, eps. My rule of thumb if a company payout, we know it can sustain a dividend, even in lean times when you think the earnings are going to slink. To shrink. In that case, youre homefree. Look at the cash flow, dealing with companies with a lot of machinery, heavy Capital Equipment investments and high depreciation and amortization costs. Think of places like verizon and at t, communication stocks dont come cheaply. Jim, they cant afford that yield. Wait a second. These amortization dont come out of the companys actual cash but do skew the companys worth and they can tell the health of a dividend. I am asked how can i recommend these stocks . Arent i being reckless when the earnings barely cover the dividends . Its bows because of the bounty effectively cash flow. If you dont understand that. Really is. Maybe stick to earnings per share if you dont understand it. The balance sheet, the debt due, maybe theyre too close. If the money is coming due in the near future and the company cant raise it with the bank or public it may necessitate a dividend cut. Last but not least you need to know how to collect a dividend. I want you to know all the jagr gone. At mad money jargon. At mad money we care about all dividends the last must own date to buy a stock and that is the x date. Thats all you need to know. Bottom line, if you want to embrace the diversification on the oldfashioned sector kind we still preach. If you want to be prepared for every market out there you must own at least one high yielding to buy a stock and that is the x date. Thats all you need to know. Bottom line, if you want to embrace the diversification on the oldfashioned sector kind we still preach. If you want to be prepared for every market out there you must own at least one high yielding stock. Dividends protect your stock and a terrific way to make money. Whats not to like . Ralph in missouri, ralph. I thank you so much for all you do your Charitable Trust. Youre very kind. A couple mill given away, thank you caller i know that. I have a son, 35 years old, he has a roth ira, all with the s p 500. My question is do you think it might be a good time to sell it and get a cash position or dividends or what would you suggest . No. I want him to stay. What happens if the market takes off. On walt, peter describes if you get in and out when youre a younger person you may miss the one window. Stay the course and dividend and conquer. If you want to be prepared for the market, make sure you own at least one high yielding stock cramer row up, i want to be a teacher, a scientist, or maybe a dancer. But learning is hard when youre hungry. Thats why for years kelloggs has helped provide millions of breakfasts to kids who start School Without it. And with your help, we can all grow into our dreams. Theres a more enjoyable way to get your fiber. Plus energy support. Helps support regularity and includes b vitamins to help convert food to energy. Mmmmm, these are good nice work, phillips the tasty side of fiber, my son and i used to watch the red carpet shows on tv now, im walking them. Life is unpredictable being flake free isnt. Because i have used head and shoulders for 20 years. Used regularly, it removesr up to 100 of flakes keeping you protected live flake free for life did you know theres a cough liquid that lasts for twelve hours . Try delsym twelve hour cough liquid. Its advanced formula releases powerful medicine that acts fast while its extended release medicine lasts for 12 hours. The discipline of a new diversified portfolio always protects your stock. You never have to suffer through crushed when that basket gets [ baby crying ] next, a secular growth stock. It has nothing to do with public versus parochial schools or the establish claus in the First Amendment you know i can live without. On wall street, when a company has secular growth, unlike smokestack ones that beat the economy with estimates and growing higher. They arent hostage to the health of the economy and keep on expanding even during a slowdown. When you get your hands on a strong secular grower, it can grow quickly and quickly. Think about stocks like apple, google, facebook. How do you analyze them and judge them and whats growing well. When we buy a stock were speculating on the future costs of investing and the dollar stock of all stocks. We need to judge it on an apple to apples basis. Pepsico is worth 50s less than cocacola . Not. Apple is not worth that after a 71 split, is it . Lets go over what a stock price really means. Heres simple algebra. The share price p for ratio, the p equals the e times whats known as the multiple or m. E times m equals p were liking algebra and trying to solve for m what were going to pay for the earnings stream. Whats the multiple were going to pay . The price earnings multiple is the key, tells us what investors are willing to fork over for a companys future earnings. The most important dermer of that price earnings multiple, the vital ingredient that has the valuation special sauce is the companys growth rate which is why im constantly talking about growth of sales and earnings and pay multiple amount for those with faster growth because that means the earnings will get larger and larger in years i had. Often you hear a guest say this stock is cheap. What they mean is it is cheaper than most stocks in the s p 500, or grows faster or more special than the average stock because of a catalyst about to occur and cheaper than the s p. We use this pe ratio when we think of a stock being a bargain in mad money. As a general rule of thumb when it comes to high octane secular grower that doesnt need the economy to get strong, the stock can trade up to a multiple almost twice as high as the long term growth rate and year over its too speculative for the Money Managers who determine the price basically. If a company is growing earnings say at 20 clip, you know what, these guys would pay as high as 40 times earnings. Thats right. Typically a growth stock wont trade down to less than one time its growth unless theres something wrong with fundamentals we dont know about or wont find out about until later. Maybe we are in a nasty market soured on growth or secular market possibly could happen because of Interest Rates that makes the multiple on all Growth Stocks shrink as larger earnings become less attractive relative to increased yields people get from cash or treasuries. By the same rate lower rate growth, we may more for that m. In 2016, when so much supply hit the stock market in terms of new off fertilization and secondaries particularly for biosecondaries and cloud stocks, buyers were overwhelmed. What happened is the cloud, internet and biotech stocks almost all faltered. Even more important when youre in a high growth stock you need to be especially sensitive to where those estimates and earnings are growing and whether increasing to a faster or slower pace. They can soar to new highs and remain cheap as long as analysts keep raising earnings per estimates and have to do it quick. A stock like facebook can double over the course of a few months, we saw that. And lower than where it started because the earnings estimates increased even faster than the share price did go higher. This kind of momentum allows the stock to resist the downward gravitational pull of an ugly economy. Be very very careful. Youre playing with earnings momentum and therefore playing with fire. For truly high octane Growth Stocks out there, if there is a its decelerating, i got to tell you, it looks like whats at the bottom of this, like driving a fast car right into a retaining wall. The moment one of these companies stumbles the stock could fall faster than ever imagined. Witness great chipotle falling more than 100 in a day. In july of 2012, it reported a disappointing quarter that suggested the Company Might be more vulnerable to economic weakness than any thought. We thought it was great sector grower no matter what. It can take years paying gradually less and less for slower Earnings Growth until all the money market managers get shaken out entirely and the price sinks to level where value worried investors become interested and bottom fish. Thats been what the long ride has been for old Line Pharmaceuticals like merck. You need a fast grower, preferably a secular growth stock that has many i had of it for years to come. When youre paying for growth worth it in a Company Still accelerating and decelerating quickly, dump it once it decelerates, it can shrink for ages before it bottoms and most peoples patience cant hold out that long. Mohamed in texas, hi. Caller hi, jim, how are you . Whats up . Caller my question is i am a new college graduate. I graduated from college for a year now and been in the workforce. I have invested in my 401 k and outside brokerage account and was wondering how should i partition my investment in each account and what my investments partitioning should be in bonds and stocks . No bonds. In the 20s, congratulations on when youre in that age, heres what you do, you have to pay down your loans in a high interest rate. You need to be in Growth Growth growth. You have your whole life i had of you. If it doesnt work out you can always make the money back with your paycheck. The discipline of a new diversified portfolio trumps wherever the market could be headed. To diversify you need a fast grower, preferably a secular growth stock. Pet moments are beautiful, unless you have allergies. Then your eyes may see it differently. Only flonase is approved toprelieve both itchy, watery eyes pand congestion. No other nasal allergy spray can say that. When we breathe in allergens our bodies react by over producing six key inflammatory substances that cause our symptoms. Most allergy pills only control one substance. Flonase controls six. And six is greater than one. Complete allergy relief or incomplete. Let your eyes decide. Flonase. 61 changes everything. Did you know theres a cough liquid that lasts for twelve hours . Try delsym twelve hour cough liquid. Its advanced formula releases powerful medicine that acts fast while its extended release medicine lasts for 12 hours. Thats a lot of dishes no problem. Ill use a lot of detergent. Dish issues . Get cascade platinum. One pac cleans tough food better than 6 pacs of the bargain brand combined. Cascade. Dry spray . Thats fun. Its already dry no wait time. This is great. Its very soft. Can i keep it . laughs all the care of dove. Now in a dry antiperspirant spray. Ugh heartburn no one burns on my watch try alkaseltzer heartburn reliefchews. They work fast and dont taste chalky. Mmm. Amazing. I have heartburn. Alkaseltzer heartburn reliefchews. Tonight, im focusing on different types of stocks. Showing how to put together a portfolio thats diversified by strategy. A toolbox is something that can work in any and every market no matter how tough. So far i talked about dividends and growth. What else is essential for a balanced portfolio . Interested. In my view you want to own something heretical and speculative. And it can be the dirtiest word in the business except here at cramerica, where its part of orthodoxy. Not only is it worth owning these risky stocks in the Single Digits its a necessity as long as you follow my rules wisely. You need it as a tonic against boredom with a huge amount of upside if things break your way. High risk high reward stocks are enthralling and undeniable mystique to own something that trades in the lower digits although many trade at higher levels. You always here its the height of irresponsibility. I say a portfolio without a long shot and speculation is one that wont capture your fancy and people who only care about taking your fees and if youre just not focused enough to do whats right with the rest of your stock. Speculation is good if you do it wisely, but disciplines almost unheard of in stocks of well liked and wellknown Companies Often deemed safe. Did you know at one point in the 1980s, solid stocks like home depot and comcast, parents of this company were considered to be ultra risky stocks and a Television Without rabbit ears seemed like sheer idiocy. Some of my stocks came from speculation. You can see some of them. I detail them in real money the equivalent of new researchers who came on my hedge fund decades ago, one i retired and if done wrong, swimming in those waters can lead to truly gutwrenching losses. Understand i am not glossing over the risks. How do you know the winners and losers. The hated broken stocks of troubled companies abandoned and left for dead and undiscovered stocks of companies. And those impossible to have in the heavily searched of household names simply because so many of the big boys wont touch any stock that trades under 5. Youre benefitting from classic mispricing created by overly pessimistic worry wart Money Managers. The larger institutions dont want to own these stocks. They think theyre too dangerous and questioned by their clients why they own this junk and invested foolishly while there and they look broken, sprint at 2 bucks and riteaid at 3, both panned out and were issued by mutual funds out there because of the ramifications of single digit stocks that go ca few wi as many do. You dont have any looking over your shoulder to keep you from buying the stocks. How do we find them . When a stock goes under two bucks, like sprint, thats important. The bond buyers considered these worthy and we worried what the bondholders saw would trickle bondholders saw would trickle down to the common stock. Thats what happened. For riteaid, remodeled stores were doing better than older ones and we saw how well r. A. D. Was you doing with merchandise through period. Because of a successful spec. You can buy their stocks at the big boys wont go near them until they climb at higher levels. At 8 . Deals like this dont come around all the time. Most of them are tiny stocks most people have never heard of and not trying to catch a turnaround, trying to look for sectors that capture the imagination of the crowd. The next hot fad. Its okay. We can look at fads, too, then look at the wall street fashion show and then again earnings that we saw with little companies that make cell phone components in 2009 and 2010. Think sky Work Solutions and cypress logic to name some of the biggest ones we saw and saw it with Oil Companies sitting on huge gas holdings and those that got bids from Big Pharma Companies or approvals of new drugs. These speculations often do however have the life cycle of a may fly. The trick is first always remember to lock in your profits when you have them. Dont get burned when interest cut some of it down. Second, your losses, those you have to cut before they become too large, when a spec you thought wasnt panning out, just leave it. When you speculate youre not trying to find a stock you can buy and hold forever. You want something going higher. As long as youre disciplined and ring the register, doesnt matter if it comes back later. Dont do that with stocks with bad or deteriorating fundamentals, thats stupid speculation. We said we like time ex and biotech for trades when we did them on speculation fridays. When lightning struck, we said, take all the gains please. They subsequently cratered and we never looked back. You said jim, you said you loved it. We loved it for trades. You need diversification that will potentially allow you to rack up huge gains. Lots of fantastic stocks started its 3 bucks doesnt mean its a monty, it could be a triple waiting to happen. Back after the break. Laundry can wreak havoc on our clothes, ruining them forever. Sweaters stretch into muumuus. And pilled cardigans become pets. But its not you, its the laundry. Protect your clothes from stretching, fading, and fuzz. With downy fabric conditioner. It not only softens and freshens, it helps protect clothes from the damage of the wash. So your favorite clothes stay your favorite clothes. Downy fabric conditioner. Wash in the wow. Pet moments are beautiful, unless you have allergies. Then your eyes may see it differently. Only flonase is approved to relieve both your itchy,z watery eyes and congestion. No other nasal allergy spray can say that. Complete allergy relief or incomplete. Let your eyes decide. Flonase changes everything. Ugh heartburn no one burns on my watch try alkaseltzer heartburn reliefchews. They work fast and dont taste mmm. Amazing. I have heartburn. Alkaseltzer heartburn reliefchews. All night ive been preaching and teaching, trying to show you how to build portfolio stocks that can work in virtually any and every type of market from the nasty picket to bears and running with the bulls, you will always own something right nor the moment by using what i call the new diversification. I say it will always have issue with the portfolio. Europe and kind of ongoing slowdown in china and getting crushed repeatedly and frequently, i think we got to do a little refining of the concept. What you really need is a stock in a safe geography. At a time the United States is growing more slowly than the rest of the world you need Something International and not something that does a lot of business overseas, im talking about a stock based in another country. When the rest of the world appears to be falling apart and the United States looks pretty goodbye comparison, you need something that gives domestic security. What do i mean by the concept of domestic security . Anything usa all the way. You can own a company like at t or verizon or con ed or duke utility, a National Restaurant chain like popeyes or dollar store, dollar general, dollar trade. How about retailers. Home depot pulled back, its here or reality trust, tanker Factory Outlet or atf. In times of International Turmoil this slot should be filled with something all domestic. At times of domestic turmoil where the rest of the world is in much better shape where we were in the financial crisis you want to own a Foreign Company. Sometimes it means a Foreign Company and domestic security depending on the out log. I think you want to go domestic, at least for the foreseeable future. Mad money, its back after the one day a rider made a decision. The decision to ride on and save money. He decided to save money by switching his motorcycle insurance to geico. Theres no shame in saving money. Ride on, ride proud. Geico motorcycle, great rates for great rides. I take pictures of sunrises, but with my back pain i couldnt sleep and get up in time. Then i found aleve pm. Aleve pm is the only one to combine a safe sleep aid plus the 12 hour pain relieving strength of aleve. Im back. Because im a woman. Do you think im gonna crack under pressure or conquer the field . Defy expectations any day with always infinity. Made with flexfoam. Absorbs 10x its weight. Rewrite the rules. Always. Narrator breakfast. Dishes. Dinner. Dishes. Marriage. Dishes. Divorce. Dishes. Sleeping. snoring sputtering dishes. Not sleeping. Dishes. Life. Dishes. Death. Dishes. Existence. Dishes. Dishes, dishes, dishes. Every dish, every time. Only finish has the power ball to take on anything. It s time you started calling all the plays on what goes into your body. Use tools to find a Healthy Eating plan that is right for you. Don t get caught making a bad play. Make being healthy your goal. [blows whistle] about the new diversification, a way to diversify by strategy to survive in any market. Last but least, gold, it is precious in any diversified portfolio. I dont want it to be 20 . It wont work, way too much. I think 10 is the upper limit and consider gold as an insurance policy. No worthwhile insurance policy should be 20 of known you invested. Why do i like gold . Gold tends to go up when everything goes down. Your protection against economic political chaos and uncertainty. It can cause the price of gold to rise. Before you curse me out because gold has done nothing the last couple of years, you wouldnt own a home without Homeowners Insurance or car without Car Insurance and been the best performing asset year after year racking up gains consistently after every asset class it was a win information a long time and now its cooled. Owning gold is not about the up side. It can be considerable. Its about minimizing your risk about the down side. At any given moment there will be a whole host of factors, sectors from international and minerals. But none act like an insurance policy. How should you own gold . The easiest and risky way is through etf, spider gold shares and most people known as gld and owns net tall itself and does a terrific job of tracking knit. I have faith in it. You could potentially call your broker and buy bullion, the physical bars of gold opposed to the bullion bars i like in my soup. That only makes sense for investors that have a place to store it opposed to storing it an at home. And it can outperform the commodity a period of time. Commodity. The fact its hard to get out of the ground cheaply and arent a lot of new mines. That makes the gold mining business powerless. Gold minors can screw things up in countless different ways, they have debts and mining mistakes i know well. They have shut downs at mines and unexpected startup delays and everything seems to go wrong even if the stocks get hammered. I finally gave up on the entire group and decided to stick with the gld or physical commodity. Bottom line, if you want exposure to gold and not only want it, need it, its your portfolio insurance policy and everybody should have some, you should just do the easy thing and own gold through the gld, not some gold minor loosely connected to the price of the underlying commodity. Olay regenerist renews from within. Plumping surface cells for a dramatic transformation without the need for fillers. Your concert tee might show your age. Your skin never will. Olay regenerist. Olay. Ageless. And try regenerist microsculpting eyeswirl. It instantly hydrates to plump and lift. Enough pressure in here for ya . Im gonna take mucinex sinusmax. Too late, were about to take off. These dissolve fast. Theyre new liquid gels. And youre coming with me. You realize i have gold status . Mucinex sinusmax liquid gels. Dissolves fast to unleash max strength medicine. Lets end this. Ive been on my feel all day. Im bushed yea me too. Ride the gel wave of comfort with dr. Scholls massaging gel insoles. Theyre proven to give you comfort. Which helps you feel more energized accommodate there you have it. New diversification. Theres always market somewhere. I try to find it just for you. Im jim cramer. See you next time its friday, march 4th. Coming up on early today, it was a loud and raucous motor city show down. He referred to my hands as small, i guarantee you theres no problem. You went to manhattan and sds im lying to the american people