"There's a central lesson that it took me years to understand ... that is going to make you money," said Jim Cramer on his "RealMoney" radio show Wednesday. "I call it UPOD," he said, which stands for underpromise, overdeliver; it's a tactic that is commonly used by executives to get Wall Street on their side. "If you spot UPOD while you're doing your homework, you could make lots of money." Cramer said that UPOD is happening right now in the market, and that Microsoft ( MSFT) is suffering because it doesn't understand the underpromise, overdeliver strategy. Chief Executive Steve Ballmer has done just the opposite, Cramer said, adding that he has overpromised and underdelivered. Ballmer said that the company's new operating system, Vista, would hit the market and replace Windows in November of this year. "I've been buying the stock for my charitable trust, Action Alerts PLUS , knowing that we had a catalyst," Cramer said. The anticipation has been high, but then Ballmer said late Tuesday that there will be no Vista this year.