If you're a woman 29 or younger, great looking and have a minimum SAT score of 1,300, Jim Cramer told his "RealMoney" radio show listeners Thursday, a money-making opportunity is out there.

Egg donation is booming he said, and the fertility industry has been going through a boom cycle as companies pay $2,000 to $10,000 for unfertilized eggs.

And according to a story in USA Today, there are many attractive, intelligent college age women donating eggs to pay off school loans.

But you don't have to be a potential egg donor to make money here, Cramer said. "When I hear about the demand for fertility, I think about Serono ( SRA), an $18 stock with a billion-dollar franchise to help women become more fertile," he said.

If indeed the fertility business is getting stronger and there's more demand, this is your play, he said, even though Wall Street doesn't care for the stock.

Cramer believes that the earnings growth is solid, and as an added bonus, he said it could even be a takeover target.

A listener wanted help with reading an earnings report. Cramer offered a lemonade stand analogy, saying that the cost of the materials needed for the lemonade -- lemons, sugar, water -- as well as the time dedicated to the enterprise, are the raw costs.

If $10 worth of lemonade is sold, that's the revenue, he said. If the raw costs come to $3, then the profit is $7.

If you have a fancy lemonade stand and you have to keep investing, that will produce something called amortization, he said.

As for the term "balance sheet," Cramer said to imagine walking into the bank and saying that you pull in $1,500 a month but want a mortgage for a house that is $2,000 a month. Then you're $500 short, he said, and that is not typically a healthy balance sheet.

We look at a balance sheet to see who is short, Cramer said. "The only place to find out whether you have a loser or a winner is on the balance sheet."

It is essential to see whether a company pulls in more than it owes creditors and banks.

It's Madness

Employers and managers are dreading the next three weeks because millions of workers everywhere will be consumed by March Madness, Cramer said.

A few years ago you could only see these college basketball games on televisions at sports bars and at home, but now every game will be available live and free over the Internet, he said, and a condensed version of the games will be available for download on Apple's ( AAPL) iTunes.

Companies all across the U.S. are fearful that productivity will drop off because of the games, and Cramer said, "I must admit, it seems like a cogent worry."

So, that's why it makes sense to buy Websense ( WBSN). "If I was your employer and I had hired Websense, I would know what was on your computer screen," he said.

"I would know that instead of working for me, you were watching a basketball game."

At $58, he said that the stock is too cheap with March Madness as a catalyst.

Weather Report

Cramer said that he is the "stock weatherman," and that he looks at five companies to figure out whether a market storm is brewing.

His five "keys to the market" are:

  • Best Buy (BBY). He said that he looks at this stock to measure consumer strength and discretionary spending. There is nothing in a Best Buy that you absolutely need, he said. He doesn't look at Wal-Mart (WMT), because he said that store is for consumer staples and that people will shop there regardless of their economic situation.
  • Broadcom (BRCM). He said that he looks at this company as a measure of tech health because it makes "the guts of wireless."

    "If it's doing well, handhelds, cable and PCs are doing well, too," he said.
  • Genentech (DNA). He looks at this as a measure of pharmaceutical strength because he said it is the fastest-growing drug company.
  • Caterpillar (CAT). He said that this stock is a fair measure of industrials because he believes it is the greatest industrial company in this country. He defines an industrial company as any business with a smokestack attached to it, "a company that actually makes something."
  • Wells Fargo (WFC). Cramer owns this stock for his ActionAlerts PLUS charitable trust . He said it's his indicator of health in the financial sector because he believes it is the "quintessential national bank."
  • Why Not Wyoming?

    Over the past four years natural gas drillers have descended on Wyoming, and The New York Times reported that this has resulted in roughly $65 million a month in energy taxes, Cramer said.

    As the revenue is pumped into schools, parks and wildlife protection, Cramer said, the state will likely be even more open to drilling, which should benefit Ultra Petroleum ( UPL), the biggest driller in Wyoming.

    Every Thursday is "Cramer on Demand," when he talks about the stock that RealMoney Radio listeners and TheStreet.com readers have voted to hear more about. (Weigh in on what stock Cramer should discuss next week by taking our poll at the end of this story.)

    Finisar ( FNSR) was the Cramer on Demand stock for the week, a company Cramer likes because he said it will make money as "phone and cable companies battle for every inch of turf."

    In order for phone companies to carry Internet and video signals to our homes, they will need to roll out a new fiber optic system to replace existing copper wires, he said.

    Finisar makes products that companies need to make this rollout happen, he said, and the stock has only recently come alive.

    It has done better than anyone thought it would, he said, and he still likes the stock. But at $5 he thinks it could pull back some more, so he would wait before buying Finisar.


    A caller wanted to know if Cramer would still buy Under Armour ( UARM). Cramer said Under Armour exemplifies a classic disconnect between the company you're buying shares in and the shares themselves.

    "The company makes perhaps the hottest line of clothes in America ... for men, for women, for youth. They make branded products made of synthetic microfibers that you play sports in."

    But even though the products are great and the earnings results were decent, he said that on the conference call, "the company was as stupid as a bag of hammers."

    "I was revolted on the call. I thought they handled everything wrong," he said, and the stock dropped from $38 to $28.

    But the risk has now been taken out substantially now that we know management is capable of saying really dumb things, he said, adding that the stock may have bottomed.

    But he said that he wouldn't put his entire position down now, but would buy in stages. "Buying all at once is the sin of arrogance."

    Smith & Wesson ( SWB) reported a great quarter, but then the stock fell. Cramer told a caller this happened because after issuing great numbers, the company rounded down earnings and said that its initial report "may not be as true" as what really happened.

    That hurt the company's credibility, Cramer said, but long term, he likes the stock.

    Smith & Wesson received a blessing from the federal government to defeat lawsuits brought by municipalities trying to blame homicides on gun companies.

    He believes the stock could go to $8 from $5.80 over the next 18 months because of this ruling, a decline in costs and the fact that it is coming out with a line of fashion guns.

    And although MRV Communications ( MRVC) made a private placement, Cramer said that he still likes the stock.

    "MRV did something I don't like," he said. "The stock runs up and management decided to sell 19 million shares to a couple of big guys who run the system ... it seems unfair."

    However, it means that the company now has the capital to ride out this current cycle, he said, referring to the fact that MRV is involved in the effort made by phone companies to compete with cable companies.

    He said the stock could come down a bit in the near term because of the placement, and that he liked MRV "more before they did the private placement."

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

    Here's your chance to pick the stock you'd like me to feature on my radio show March 23:
    Marvell Technology
    MRV Communications
    Nice Systems

    REMEMBER to listen in on Thursday for my take on the stock that wins this poll!
    At the time of publication, Cramer was long Wells Fargo.

    James J. Cramer is a director and co-founder of TheStreet.com. He contributes daily market commentary for TheStreet.com's sites and serves as an adviser to the company's CEO. Outside contributing columnists for TheStreet.com and RealMoney.com, including Cramer, may, from time to time, write about stocks in which they have a position. In such cases, appropriate disclosure is made. To see his personal portfolio and find out what trades Cramer will make before he makes them, sign up for Action Alerts PLUS. While he cannot provide personalized investment advice or recommendations, he invites you to send comments on his column by clicking here. Listen to Cramer's RealMoney Radio show on your computer; just click here. Watch Cramer on "Mad Money" at 6 p.m. ET weeknights on CNBC. Click here to order Cramer's latest book, "Real Money: Sane Investing in an Insane World," click here to get his second book, "You Got Screwed!" and click here to order Cramer's autobiography, "Confessions of a Street Addict."

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