Editor's note: The following is a question received from a viewer of "Mad Money," seen every day at 6 p.m. EDT on CNBC.

Where do you see financial stocks trading in the next year?

-- J.M. from New York

James J. Cramer: The yield curve is flattening and that is pressuring net interest margins for financials. Therefore, I believe the financial stocks are to be avoided right now.

Until we have more clarity about the direction of short- and longer-term interest rates, I wouldn't want to be involved in the group.

What is your opinion of Home Depot (HD)(HD:NYSE)?

-- A.T. from Oklahoma

James J. Cramer: Home Depot is OK. I say that because while I am bullish on the suppliers of wood and other construction hardware, I think Lowe's ( LOW) is a better play at current levels. That's because it's growing its store base rapidly and offers a better shopping experience.