You don’t have to be a financial whiz kid or have the acumen of a Warren Buffett to make smart money decisions. Today's Stocks & Topics: Japan, USO - United States Oil Fund LP, REITs, BHP - BHP Billiton Ltd. ADR, WLL - Whiting Petroleum Corp., New Investor, Buying Foreign Stocks, FSLR - First Solar Inc., EME - EMCOR Group Inc., JNJ - Johnson & Johnson, Hedge Funds.