Another caveat: Money on prepaid cards isn't always insured by the Federal Deposit Insurance Corp.

WSJ: Companies Push Prepaid Debit Cards Catering to College Students

Another caveat: CheapAir's recommendations come from an in-depth analysis of what happened last year.

WSJ: How (and When) to Snag Cheap Airfares

Another caveat is that a permanent reimbursement code for Medicare will not be forthcoming until January 2013.

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Another caveat: Both Microsoft and Amazon make an array of apps for phones and tablets running Google's Android operating system.

WSJ: How Apple Gets All the Good Apps

Another caveat - surveys of expectations do not all, or don't necessarily measure the absolute level of optimism or pessimism, they just measure how much those levels have changed.

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Another interesting caveat, as my colleague Jeremy Bogaisky suggested, is that the Capgemini study is based in U.S. dollars.

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