NEW YORK (TheStreet) -- TheStreet's Jim Cramer and Debra Borchardt help investors by answering questions from his Twitter feed.

When asked for his thoughts on Agnico-Eagle Mines ( AEM), Cramer said he is not a fan of the stock.

Although it used to be his favorite gold stock because of the company's five-year plan, Cramer said it has missed far too many earnings estimates to be considered legitimate anymore.

Despite the insider buying, he advised investors looking for gold exposure to do so via the SPDR Gold Trust ETF ( GLD).

Switching to the use of margin, or leveraged investing, Cramer called it the "devil's work."

He added that when negative events drive down stock prices, it will cause many margin investors to sell near the lows.

Finally, he said JPMorgan ( JPM) is trading at a big discount to its peers, even though it's the best bank in the industry.

Now that the bank's legal troubles have been settled, the firm can get back to business. That should allow the earnings multiple to expand, driving the stock price higher, Cramer concluded.

-- Written by Bret Kenwell in Petoskey, Mich.

Bret Kenwell currently writes, blogs and also contributes to Robert Weinstein's Weekly Options Newsletter. Focuses on short-to-intermediate-term trading opportunities that can be exposed via options. He prefers to use debit trades on momentum setups and credit trades on support/resistance setups. He also focuses on building long-term wealth by searching for consistent, quality dividend paying companies and long-term growth companies. He considers himself the surfer, not the wave, in relation to the market and himself. He has no allegiance to either the bull side or the bear side.

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