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The coronavirus pandemic has upended the lives and finances of millions. A federal relief package aiming to provide payments to distressed consumers is on the way — but that money is not likely to land for a number of weeks.While you’ll have to wait for whatever money you might be eligible for, now is the time to prep your finances and plan. The best use of this money depends on your individual circumstances. Here’s how to think it through.Do this prep work, regardless of your situationThis is the time to examine your money situation and build savings, if possible. The fallout from the pandemic may continue for some time. Taking even small steps can help you feel empowered and less stressed.First, take stock of your regular expenses, such as housing costs, car loans and credit card or other debt payments. A 831

The Federal Trade Commission announced a billion settlement with Facebook on Wednesday, resolving a sweeping investigation by regulators into how the company lost control over massive troves of personal data and mishandled its communications with users. It is the largest fine in FTC history — and yet still only about a month's worth of revenue for Facebook.The deal comes amid growing calls in Washington for greater transparency and accountability for technology companies, whose power over social movements as well as personal information has increasingly come to be seen as dangerous by politicians, users, and even one of Facebook's co-founders.Facebook agreed to the deal following years of damaging admissions about the company's privacy practices, such as the inadvertent exposure of up to 87 million users' information to the political analysis firm Cambridge Analytica.The settlement resolves a formal complaint by the FTC alleging that Facebook "used deceptive disclosures and settings" that eroded user privacy, violating a prior agreement Facebook signed with the commission in 2012. Facebook also broke the law, the FTC alleged, by misusing phone numbers obtained for account security purposes to also target advertisements to its users. And the company allegedly deceived "tens of millions of users" by implying that a facial recognition feature on the service had not been enabled by default, when in fact it had."The magnitude of the billion penalty and sweeping conduct relief are unprecedented in the history of the FTC," said Chairman Joseph Simons in a statement. "The relief is designed not only to punish future violations but, more importantly, to change Facebook's entire privacy culture to decrease the likelihood of continued violations."Facebook did not immediately respond to a request for comment.The FTC settlement — which also covers Facebook subsidiaries Instagram and WhatsApp — could set the tone for a wave of further action by policymakers worldwide as they seek to rein in the most powerful players in Silicon Valley.The billion fine is nearly 30 times the FTC's largest-ever civil penalty to date — 8 million, which was levied on Dish Network in 2017 — reflecting the tremendous scale of Facebook's operations, as well as the enormity of its self-admitted mistakes.In addition to the record civil penalty, Facebook also agreed to accept greater oversight of its privacy practices. Under the FTC deal, Facebook's board will form a privacy oversight committee made up of independent members who cannot be fired by CEO Mark Zuckerberg alone. That committee will be charged with appointing still other officials who must periodically and truthfully certify that Facebook is complying with the FTC agreement, or risk being held personally liable. Zuckerberg will also be required to make those same certifications, the FTC said."False certifications would subject Mr. Zuckerberg and the [designated compliance officers] to personal liability, including civil and criminal penalties," Simons said in a statement written jointly with the Commission's two other Republican members, Christine Wilson and Noah Phillips.The FTC also required that regular third-party assessments of Facebook's privacy practices not rely on company materials but instead on the auditor's own fact-finding.The FTC voted 3-2 to approve the settlement, with the agency's two Democrats dissenting because they believed the measure did not go far enough. In dissents, Commissioners Rohit Chopra and Rebecca Slaughter said they believed the fines were far too small, and that the FTC wrongfully gave Zuckerberg and Facebook COO Sheryl Sandberg a pass."Failing to hold them accountable only encourages other officers to be similarly neglectful in discharging their legal obligations," wrote Chopra. "In my view, it is appropriate to charge officers and directors personally when there is reason to believe that they have meaningfully participated in unlawful conduct, or negligently turned a blind eye toward their subordinates doing the same."Other prominent tech critics, including Democratic Sen. Richard Blumenthal of Connecticut and Missouri Republican Sen. Josh Hawley, have said a billion fine would be "a bargain" for Facebook. In an earnings report earlier this year, Facebook said it was setting aside billion to help cover expenses related to the expected penalty. It reported quarterly revenues of billion at the time and its stock rose after it announced the charge, signaling investors were relieved by the probable outcome.For more than a year, Facebook — once the darling of policymakers and a celebrated example of American ingenuity — has lurched from crisis to crisis.This past October, for example, Facebook disclosed that hackers had compromised tens of millions of accounts by exploiting a series of software flaws, culminating in their ability to impersonate users and take over their profiles.The following month, Facebook 4985

The Democratic National Committee plans to meet with 2020 campaigns next week to hand out an "affirmation form" for candidates to sign and certify they will run and serve as members of the Democratic Party, a DNC official said Tuesday.The announcement follows Bernie Sanders' entry into the 2020 campaign earlier Tuesday — his second consecutive presidential election. An independent who caucuses with Democrats in the Senate, Sanders rankled some Democrats in 2016 when he ran for the nomination even though he wasn't an official member of the party.DNC members passed a new rule last August, which was seen as a response to the Sanders campaign, requiring all candidates "to affirm in writing" that they "are a member of the Democratic Party, will accept the Democratic nomination; will run and serve as a member of the Democratic Party."According to the DNC, all the campaigns who have announced have been invited to the meeting. Once they receive the form, they will have a week to return it to the DNC."The DNC will present presidential campaigns that have currently announced their candidacy or the creation of an exploratory committee, with the rules and other materials next week at a briefing and this will include the candidate affirmation form," the official said. "As any additional candidates enter the race, they will be provided with the same information and will be required to return the form in the same time frame."The Sanders campaign didn't immediately respond to say whether the senator would sign the form.Sanders officially jumped into the 2020 race with stronger party support than he had four years ago. Both Democratic members of his state's congressional delegation, Sen. Pat Leahy and Rep. Pete Welch, endorsed him. According to a campaign official, Sanders has already raised more than million dollars since the morning announcement. 1878

The first case of Wuhan coronavirus has been confirmed in the United States, the CDC said Tuesday.According to the CDC, the patient had returned from a visit to the Wuhan province of China on Jan. 15. The virus, which causes respiratory illnesses, including pneumonia, has now infected 300 people around the world and killed six people in five countries. Most of those cases occurred in Hubei province of China and other eastern Asian countries.Initially, scientists believed that the virus only spread from animals — including camels, cats and bats — to people. On Tuesday, the CDC said there's now a "growing consensus" that there is "limited" person-to-person contraction of the virus.The CDC began screening for the virus at international airports in San Francisco, New York and LAX last week. The CDC will begin testing for the virus at airports in Atlanta and Chicago this week.Correction: An earlier version of this story mentioned the sickened person had died. A person has only been infected with the disease and is still alive. 1049

The Justice Department announced Sunday night a new legal team will take over the Trump administration's fight to add a citizenship question to the 2020 census.The department's spokesperson said in a statement that the DOJ is "shifting these matters to a new team of Civil Division lawyers" and it will be revealed in filings Monday.The spokesperson did not give a reason for the change. Officials within the Civil Division's Federal Programs Branch had been lead on the census case up until now, but they are being replaced by a combination of career and political officials from the Civil Division's Consumer Protection Branch, a Justice official said."Since these cases began, the lawyers representing the United States in these cases have given countless hours to defending the Commerce Department and have consistently demonstrated the highest professionalism, integrity, and skill inside and outside the courtroom," DOJ spokesperson Kerri Kupec said in a statement."The Attorney General appreciates that service, thanks them for their work on these important matters, and is confident that the new team will carry on in the same exemplary fashion as the cases progress," the statement continues.The Trump administration has been fighting to add a question about citizenship to the 2020 census -- a question that hasn't been asked since 1950. The move could impact the balance of power in states and the House of Representatives, which are based on total population. Critics say adding the question could result in minorities being undercounted.The Supreme Court recently ruled the evidence did not back up the claims of Commerce Secretary Wilbur Ross and Justice Department lawyers that the question is needed to better enforce voting rights. 1770