BDK) power saw." He added that people should use the rebate checks offered in the package to "pay down their credit card debt." All joking aside, Cramer said he believes people are already taking his advice. "I'm telling you what they will do" with the money, he said. "That's why Whirlpool ( WHR) ramped." Cramer said that value stocks are the good bets for this environment. " Ryland's ( RYL) good." Investors should stick with early-cycle picks and avoid recent momentum plays, Cramer concluded. "Energy does not do that well right now. ... China does not do that well. Whatever was momentum doesn't do well."