Editor's note: The following are questions received from listeners of "RealMoney Radio." To send Cramer a question about topics from his radio show, click here. Listen to Cramer's latest radio show by clicking here.

What do you think of Jefferies (JEF) - Get Report?-- William from New York

James J. Cramer:

I think Jefferies has done a great job in building up its investment banking business, but at this point, the stock is very expensive at about 20 times expected 2005 earnings. Right now,

Lehman Brothers

(LEH)

and

Bear Stearns

(BSC)

are my favorite brokerage names.

Yesterday, Prince Alwaleed of Saudi Arabia, who owns 10% of Citigroup (C) - Get Report, put a 12-month price target of $70 on the stock. What do you think?-- Mike from New York

James J. Cramer:

I would be completely shocked if Citigroup hit $70 in 12 months even if the financial came back in favor. Right now I would rather be in

JP Morgan

(JPM) - Get Report

than Citigroup because it has less regulatory problems, and Jamie Dimon is one of the best managers in the business.

Want more Cramer? Check out Jim's rules and commandments for investing from his latest book by

clicking here

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