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NEW YORK ( TheStreet) -- With the big bad health-care decision now behind us, the focus will be on earnings, Jim Cramer told his "Mad Money" TV show viewers Thursday. Cramer said Wall Street money managers are known for making big bets on macro economy -- but four times a year, we call them earnings season, and those lofty bets come crashing back to reality. Fasten your seat belts, it's going to be a bumpy ride. Cramer said the financials are still showing the bad and the ugly of the markets and will likely continue to do so until the housing market fully recovers. "Get ready for severe disappoints" in technology stocks, said Cramer, as even the mighty Apple ( AAPL), a stock he owns for his charitable trust,