Im jim cramer, and welcome to my world. You need to get in the game firms are going to go out of business, and hes nuts theyre nuts they know nothing i always like to say theres a bull market somewhere mad money, you cant afford to miss it. Hey, im cramer. Welcome to mad money. Welcome to cramerica. Other people want to make friends. Im just trying to save you a little money. My job is not just to entertain you but to educate you so call me, 1800743cnbc. After todays beautiful rally the dow gaining 120 points, the s p climbing. 88 , nasdaq falling. 97 , really knocking the socks off the panickers, worriers, and short sellers everywhere, lets cut right to the chase and go into next weeks game plan. Its clear now the most significant reason for the huge decline we experienced over this week the one where people came out of the woodwork to pronounce the bull slaughtered and the bear roaring back to prominence was the release of monthold, emphasis monthold fed meetings. Now, next tuesday at 10 00 a. M. , very, have i big, we find out how dated those minutes were when fed chief ben bernanke speaks in front of the senate. Nothing next week compares to this speech in its importance because if this markets going to avoid having another bear morning like we had on wednesday and thursday bernanke has to say that the fed sees the hazards of sequestration, he recognizes the spike in gasoline and the hurt the consumer might be feeling as she adjusts to the end of the payroll tax holiday, and hes going to adjust to it. He must make it clear, though, that hes not being profligate with all this bond buying, he is just simply trying to help keep Interest Rates down. Until employment picks up. He has to revert to and reiterate his stated mantra about unemployment. Ive got to tell you something. This is a tightrope walk worthy of the wallenda family. I think he can pull it off. That said, if bernanke somehow gets it wrong, if he falls either to the side of things are better than you think and therefore seems tone deaf to the newfound weakness in the economy, including another leg down in europe and a possible pause in the great chinese comeback, or if he says things are gotten so terrible that hes got to buy even more bonds, something that drives the conservatives crazy, then look for more days like wednesday and thursday. No matter what we get from all of these earnings. If we didnt have the testimony, then we would be spending the whole week parsing the language of retail as a whole host of them are reporting. For example, is the bullish home repair theme still intact . The one i keep talking about on the show. How about we give a listen to lowes on monday . And home depot on tuesday. Both of these companies have been soaring on the thesis that with housing roaring back people need either to fix up their old house in order to sell it or fix up their new house to improve it. The thesis is its finally worth it to put money into improving your home because with home prices rising, and they are from the numbers we saw earlier this week, you can get your money back and then some. Just like the old days. Well pay extra special attention to home depot as a barometer because it has faithfully told us what percentage of the household dollar it thinks is being spent on home improvement. So far theres been no real surge, even though home depots stock has surged, but that could be changing. And changing just when the analysts are getting really skittish about housing. Remember the downgrade about home depot . I do it in my charitable trust. Mostly because of what seemed to be an errant report from Toll Brothers earlier this week, an earnings miss that in reality was anything but. If we didnt have bernanke talking i would tell you all i really care about are the reports out of lowes and home depot because the improving domestic Housing Market immune from old worries out of europe and china has been my number one thesis for about a year on mad money and it has produced some of the most bountiful gains of any theme i have ever exploited. We know that the less well off are being hurt by what i call the script, and the script is higher gasoline prices, prices by the way that i think are caused in part by speculative hoarding, and the end of the payroll tax break. We heard that from walmart and from darden this week, even as the stocks of the largest retailer in the world and the parent of red lobster, olive garden, and lone star steak, actually rallied on the news. Maybe its not even news anymore. By the way, well hear more from darden on monday at an analysts meeting and perhaps they will lay out a strategy to deal with the weakness and talk about how the outsized dividend, which yields 4. 3 here, is still very secure. Then look, that rally todays got to be based on something. The stock could be down a buck. How about saks . I regard saks as part of what i call the gatsby cohort. Like michael kors, which hit a 52week high before it was bombed by a secondary offering or coach, which hit a 52week low, possibly because it is now fashion backward. My daughter has a vintage Coach Handbag and i know its the envy of anyone she sees who has a current coach. Which of these highend retailers is telling the truth . Is the fall in the stars if saks give us an astronomic view . Or in themselves as i think it is with coach. To mix the far superior shakespeare with mediocre fitzgerald. By the way, im not a steinbeck fan either while were calling him out. More of a stephen king aficionado. To stick with the retail theme we also hear from auto zone. All right . And people have been falling out of the zone of late with the good folks at Stifel Nicolaus making an incredibly bold call today that azo will muff the corner. That would be a serious blow to the auto improvement thesis thats been such a great one. We need the zone to sate opposite, that the car market is strong, and the same way we need to hear the despot say the housing continues to hum. Wednesday. How about dollar tree . Which last time made me feel like the storys become more like a half dollar bush than a dollar tree. [ rimshot ] and groupon, the online coupon thats been such a rage and a flameout now seems to be clawing its way out of the cellar. These two will give us a lowend read and i read on the valueshop shopper. I think groupon will report a better quarter than people are expecting. Thursdays best buy. Suddenly people warming up to best buy. Betting things have gotten so good it could potentially be the target of a potential leveraged buyout by its founder. I think the companys viable instead of being what some call an amazon showroom. Either way we want to know about the consumers Discretionary Spending posthigher gas prices as well as the end of the payroll tax holiday and since everything at best buys discretionary i think theyre going to give us a good read. We have to listen to kohls, which you know is where i get my socks. Even if they dont have the best stock. They do have the best socks. Now, we know that like best buy there are rumors of a leveraged buyout coming here too. Frankly i dont care, i dont believe it and i dont want to get sucked in by it. However, i want the read on the consumer for certain. Finally we get the most controversial retail name of all. Deckers. Ugg. Ive been saying the worst might be over for uggs. Or that vf corp. Should buy deckers to revitalize them. The stocks pulled back from 44 to 40. Big inventory build of the once red hot boots. I like it in the mid 30s. Right now its in no mans land but i still believe the stock could be barrage. Lets watch how can depressed the consumer might be by reading the Michigan Sentiment survey on friday. Listen, if everyones bummed well sure hear about it from that report and the market will drop. What else matters next week . Weve been keen on hertz. And i bet that monday mornings report can give you a signal about how strong this car market is courtesy of sandys destruction of more than 200,000 cars plus the concentration of rental Car Companies at the pro trust portion of the Justice Department i meant antitrust. Did i say pro trust . Has blessed. The cell phone tower stocks. Bunch of dogs. Theyve been in a world of hurt. Okay . The best one, american tower, reports next tuesday. It could end the downturn with a blowout and good guidance. I bet we get it. Next up joy Global Reports wednesday. He with need a fresh read from china. The ceo called the bottom right here on the show last year. But now a word again, can he reinforce theres a real turn in china . Knows because he makes coal mining equipment, chinese use a ton of coal for electricity, given the weakness of copper, the other measure of chinas health, we need to hear that in the words of cramer nonfave chairman mao there is no backsliding. Next week you need to focus on Ben Bernankes tightrope walking Senate TestimonyTuesday Morning and the torrent of retail earnings. But make no mistake, bernankes testimony will define the week, as i will explain when im on meet the press this sunday morning. Joey in florida. Joey. Caller booyah, jim. Booyah, sunshine. Whats up . Caller hey, what is your take on the massive drop in verifone . They reported an early miss on earnings and have an average Purchase Price of 19. 25. We have not liked verifone i dont know, how many maybe since like the show started. So im not going to deviate now that its had still one more disappointment. Ixnay on verifonenay to be very formal about it. Nassar in maryland. Caller how are you doing . How about you, partner . Caller about six months ago i bought shares in tesla motors. And recently its taken a big hit. Yeah. Caller and my question is do you think i should stick with it or just bail out altogether . This is a tough call because its really what i call a hope stock. And i think hope should be left in the stadium, the ballpark. But that said, you do have probably highly doubtful unless you bought it in the last three points. Youve got a nice gain. So lets do this. Cut it in half. Play the rest with the houses money. Jim in georgia, please. Jim. Caller how are you doing, cramer . Not bad. How about you, chief . Caller fine. Good. Caller i want to ask you a question about zynga. I wanted to know what you think about it now that nevada has legalized online gambling. Az said to the people on the set at squawk on the street today, zynga, i think it has oh, boy, you never want to use this word in relation to zynga. Im trying to parse it out. Ger und . What is that thing you do when you have to take sentences i think its bottomed. Its all eyes on ben bernanke next week and all eyes on me and David Gregory and maria bart rome o. An sunday on meet the press. I want you to tune in to the fed report but when the fed chief talks the market is going to be listening. Make sure you are too. Mad money will be right back. Coming up, sell your losers . Why dont you blow out some of your stocks that arent working . Hold on. Youll want to hear what cramer has to say next. And later, housewarming spec. Cramers gone house hunting. Tonight hes on the prowl for an under the radar spec that could soon soar. Could it be the insurance your portfolio needs . Find out if its time to move in. 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. Sometimes the forgiveness of this market just astounds me. Hallelujah take hewlettpackard, this formerly Great Tech Company reported a pretty miserable quarter last night. It just wasnt so miserable as to drive the stock lower and the market turned the other cheek and bid the stock up 2. 10 today. Hpq really took off after my buddy david faber grilled the Ceo Meg Whitman and she acquitted herself right in front of our eyes very well making me and no doubt you feel that she should be bet with and not against as she tries to turn around this American Icon of a tech company, which did see its stock fall more than 40 last year. I bet the stock of Johnson Johnson . Company delivers a subpar quarter and continues to get lots of love from wall street including me. Remember i liked that new ceo so much. But i did think for sure that when j j disclosed not one but two government probes into possible false claims related to hip devices and surgical masks and they just did this, i thought the stock would be hammered. Instead this company which seems to be in the recall business barely skipped a beat and is down less than a i mean, ive got to tell you, talk about bulletproof. J j is about as bulletproof as they come. Down a penny in the last trade. One more hideous article today calling the very fabric of the company into question. It was like wow, boeing, what a bunch of bozos. But the stock is roaring back. Its up the Third Straight day. Its a dow jones leader. Get this. Boeing, boeing is less than a buck and a half from its highs, for heavens sake. How can this be . Because the market is totally forgiving. This move up in the face of the dreamliners woes is frankly nothing short of astounding and has to be recognized as a sign of innate strength even as that strength was completely ignored during the panic that was the midweek selloff on high volume. This markets willing to overlook so many flaws and so many flaws. How about Norfolk Southern . Nsc . This stocks been pummeled for its exposure to coal for ages and ages. I mean, talk about off the rails three months ago when the stock was at 56 Norfolk Southern told us the worst was over with coal. The old market, the bad one, simply wouldnt have believed a word this company said. But in the new market this stock has now rallied to almost 73. Not only is the market forgiving, its got a bad case of amnesia as this isnt the first coal bottom Norfolk Southern has called. But this time the market has suspended its skepticism and given the company the benefit of the doubt. All aboard. Thats not unlike Federal Express which not that long ago told you it would miss expectations and the stock dropped to the low 80s. Its now up to 105. Pretty much a straight shot higher. Since management told you that tale of woe. Thats how badly people want to own this play on a resurgent u. S. Economy. All right. I mean, unless you criticize me on this. Not everyones getting the benefit of the doubt. Right now the gang at apple is being viewed about as cool as the bell bottomwearing drones at microsoft. In fact, the stocks actually cheaper than microsoft. And get this, its being sued by a large shareholder for not creasing enough value, even as its been about the worlds biggest value creator of all time. Suddenly the streets turned on whole foods, a former darling, and it likes safeway of all things. Proving there truly is no accounting for taste. And i have no idea whats happened for coach to get its mojo back but ive been thinking, maybe it needs to get into bowling bags but the overall theme is clear. If you screw up and confess culpability while laying out a course of action youre going to be richly rewarded for it in this environment. Sought bottom line is dont be so quick to blow out of a nonperformer. It just might come roaring back without you. Stay with cramer. Coming up, housewarming spec. Cramers gone househunting. Tonight hes on the prowl for an under the radar spec that could soon soar. Could to be the insurance your portfolio needs . Find out if its time to move in. If the Housing Market is coming back, then you know that i think that the housing theme cannot be denied. Despite the doubts that cropped up midweek about this sector. And if the banks are making more loans, and you know i think that cant be denied, specifically Residential Mortgage loans, another one of my favorite themes for 2013, which i did not abandon during the week, then how about we talk about a crazy idea for speculation friday . How crazy . You know what . I think this housing rebound is so robust that its time to consider buying a mortgage insurer. Albeit only for speculation. This is speculation friday. And the one ive got my eye on is radian group. Rdn for all you home gamers. The stock i told you years ago you had to get out no matter what. The mortgage insurance companies, as you might expect from the name, write insurance policies on mortgages that compensate lenders or investors if the borrowers default on the loan. So lets say you take out a loan to buy a house and put down 15 . The bank is required to go to the federal Housing Administration or a private player like radian for mortgage insurance. The cost of which is then passed along to you, the buyer of the house. Anytime the down payment on a mortgage is less than 20 the regulators pretty much require that the bank get mortgage insurance. I know. Bothered me. Probably bugs you. But during the financial crisis and the recession the mortgage insurers were some of the biggest losers out there because they had to pay endless claims. Endless amounts of claims. As millions of people defaulted on their mortgages. The losses were so bad and the pain so constant the house of pain. That pmi, one of the largest players in the industry, often considered to be the premier player, declared bankruptcy in 2011 and for years investors have been worried, justifiably, about the solvency of everybody else in this industry. Which brings me back to radian. Ten months ago there were genuine questions about the companys solvency itself and the stock traded at just two bucks and change. Since then radians been rallying like mad and wed be nuts toying nor it. The stock is now at 7. 95. I know. It sounds like a small dollar amount, but you know this is up 250 in less than a year. 250 . In fact, its almost doubled in the last three months alone. But the mortgage insurers were so toxic that for so long that im sure many of you want to write radian off as simply too dangerous. When i first looked at this idea, i said, what aim i saw the percentage. I figured ive got to check this thing out. Sure enough, dont write this off, dont do that. The mortgage Insurance Business was in trouble for years. For the very same reason its coming back with a vengeance right about now.