thanks for sharing your insights! I enjoy reading all of your detailed responses.
Stop reading the articles.
Think about what you already know.
PART 1 - Find the companies that make money on you - have a credit card? drive a car? pay an electrical bill? use a mobile phone? Take any medicine? brush your teeth? blow your nose? use a computer? Drink soda? eat pizza? Eat chocolate?
In just those few questions could be:
V -> PYPL
MA
T
VZ
AAPL
DFS
PFE
MRK
PG
KMB
DVMT
VMW
AEP
SO
D
MSFT
DPZ
KDP
HSY
These are just examples of how easy it is to get to good companies
PART 2 is to breakdown the details - for example - who is a Visa competitor? PYPL / SQ / First data... etc.
Keep it simple but have fun figuring out what you already know...
I have had 10 of these at one time or another and 5 now. I have to check some I never invested in. Looks good!