Both Twitter and Facebook share the same financial problem becoming mainstream as well: monetization. Neither has found a formula to make money consistently, particularly as all the new media is moving from desktops to mobile applications. Most of the enterprise value in both ventures is based upon the possibilities of monetizing their huge followings, but neither has a real model that works -- yet. The bottom line is to be wary of investing in new media prospects, but even more, of discarding the old media outlets as done. In the stock market, both are proving very well which model is behind the times and which is ahead of it, and it's not what you'd think. At the time of publication the author had no holdings in the stocks mentioned.This article is commentary by an independent contributor, separate from TheStreet's regular news coverage.