Forbes contributors publish independent expert analyses and insights. Davey Winder is a veteran cybersecurity writer, hacker and analyst. Update, Jan. 25, 2025: This story, originally published Jan.

Want AI on your phone without cloud limits? Models like Llama 3.2, Qwen3, Gemma 3, and SmolLM2 run locally for private chats, coding, reasoning, and image tasks. Llama 3.2 is the best all-rounder, ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech ...

Investopedia contributors come from a range of backgrounds, and over 25 years there have been thousands of expert writers and editors who have contributed. Khadija Khartit is a strategy, investment, ...