In the recent post below, Cramer breaks down financials including Morgan Stanley. “How unbelievable is the endless bottom-calling in banks and financials? I can see why we want to do it. There has to be some value there. Has to be. But I can't find it. I do believe -and I have been chipping away at -- Morgan Stanley (MS), but that is precisely because I don't see the value in Citigroup (C), Merrill Lynch (MER) and Lehman Brothers (LEH). Business is going to go away from them if I am right. In other words, there could be some share take and that's worth buying something for. I can bottom fish in MS, unlike what the Wall Street Journal says, because it doesn't need capital and I can count on one hand those banks that don't need capital. • I think that Merrill needs capital big time. I know that because of how much John Thain says they don't, and that's become a reliable indicator. • I think that Citigroup has no plan whatsoever - nor a handle on what's been done there before Vik got involved. • I believe Lehman needs more capital because of London mortgages and because of the bad 2007 vintages on its books. All of those companies MUST deny this or else how can they raise capital!! I think that too many people are taking their cue from the BKX which isn't coming down. Why is it a false tell? Because what matters with banks is RESERVES, not price action, and reserves are too low. So, you can call a bottom in "the banks" and then be in the bank that has too low reserves. Let's take the case of Wells Fargo (WFC). I like this bank but I believe it might need more capital. The fact that it rallied off the $24 level is of no interest to me if it needs reserves. But it seems to be of endless interest to the bottom callers. Of course, I understand where all of this comes from, which is the incredible move we had in the financials since January, where a BAC went from $36 to $45 in a heartbeat. Who doesn't want to catch that one? Maybe we get the same again, is what people are probably thinking. But at that point we still had the Fed as our friend and we had Congress getting involved in the housing mess and we had a sense that banks had unlimited power to capital raise. All three are gone as a prop now. So, I am not a bottom caller UNLESS there is a big share-take going on, and the only one I know of is Morgan Stanley."

From a recent Mad Money show: "I missed this one. People told me about it and I didn't listen. All I can say is that it's going higher."

From a recent Mad Money show: "I don't think Hershey has the horses. I see the house of pain for that company. On any lift I want you to sell, sell, sell."

From a recent Mad Money show: "I'm not confident with Sears. I like their CEO, Eddie Lampert, but I only like Costco (COST), Wal-Mart (WMT), TJX Companies (TJX) and Urban Outfitters (URBN). Everything else is a sell."

From a recent Mad Money show: "I don't want you to run for the exits here. Buy some more if it falls below $7."

From a recent Mad Money show: "I've looked at it and I like it. I like United States Steel (X) and Reliance Steel (RS) and I think you should buy them all on any weakness."

From a recent Mad Money show: "I just bought some for my trust. I think it's down so much that Deere is a buy not a sell. Don't give up on it, pull the trigger and buy some."

From a recent Mad Money show: "You know I love this stock. This natural gas situation is not ending any time soon."