"A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it begins to rain." - Mark Twain

Is the Stock Market Open Memorial Day? No.

Is the stock market open memorial day no it is not open memorial day
Is the stock market open Memorial Day? No. Stock and commodities exchanges based in the U.S. observe federal holidays and Memorial Day is one of them.

So on Monday, May 28, every U.S.-based venue for trading securities will be closed.

They’ll also be closed on the two days before the holiday because they fall on a Saturday and Sunday, when the markets are closed.

However, U.S.-based capital markets will be open as usual on the preceding Friday, May 26 along with the day after Memorial Day, Tuesday, May 30. On both of these days, these venues will be open their regular hours.

Is the Stock Market Open Memorial Day?

This schedule includes the New York Stock Exchange, NASDAQ, U.S. bond markets, and the Chicago Mercantile Exchange.

However, even on the days that U.S. capital markets are closed, you’ll still be able to place trades through brokerages’ websites and mobile apps. However, the transactions won’t begin to process until the next business day.

Most likely you won’t feel motivated to place a trade on the holiday and thus won’t find the closures of the capital markets any inconvenience.

Readers, what sort of plans are you making for Memorial Day weekend?

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What’s Open on Memorial Day 2018

What's open memorial day
Around 41.5 million people plan to travel this weekend — and many of them will face heavy rainstorms that may require some last-minute shuffling of plans. You might find yourself searching for indoor activities as a result — so it’s good to know what’s open on Memorial Day.

Remember that it’s a federal holiday, meaning that all government offices will be closed — and so will banks, post offices, schools and the stock market.

But that doesn’t mean that everything else will be closed this coming Monday, May 28. In fact, many establishments will hold special Memorial Day sales, with deals and freebies for veterans.

While most major chain stores and restaurants will be open — some locally-owned businesses might be likelier not to be open. When in doubt, call ahead to see whether an establishment is open and for what hours.

What’s Open on Memorial Day

Most, if not all, retail stores are open on Memorial Day. Not surprisingly, Walmart is included, along with Costco and Target.

Drug Stores

The major drug store chains, like Walgreens, Rite Aid, and CVS, will all be open. However, if you frequent a local, independent pharmacy, you may want to confirm their holiday hours on Monday.

Groceries and Convenience Stores

For the most part, grocery stores and convenience stores will be open on Memorial Day. Some may have reduced hours for the holiday, so you’ll want to call ahead to confirm their schedules.

Restaurants

Major chain restaurants will be open on Memorial Day, but locally-owned establishments may be exceptions — you’ll want to call ahead before showing up at one of them that day.

Gas Stations

Most gas stations will be open on Monday, although some locally-owned stations may be closed or have reduced hours for the holiday.

Financial Institutions and Capital Markets

Banks, credit unions, and all U.S.-based investment related entities will  be closed on May 28 — since they observe federal holidays.

But this won’t preclude you from using ATMs and online banking applications. Between the two technologies you can conduct most forms of transactions, although they won’t clear until at least the next business day.

Schools and Libraries

Both public and private schools tend to observe federal holidays like Memorial Day — they won’t be open and kids will get a three-day weekend.

Similarly, libraries will remain closed on Memorial Day. Most are also closed on Sunday, so you’ll want to be sure to make your trip to the library before it closes Saturday.

Government Offices and Postal Services

As previously stated, because Memorial Day is a federal holiday, government offices will be closed at all levels.

That includes Social Security offices, courthouses, and the Department of Motor Vehicles — all closed for the day.

Along with that, there will be no mail delivery and no postal staff on duty Memorial day — although some self-serve post office locations might have their lobbies open for people to mail letters and check P.O. boxes.

The closures include Fedex and United Parcel Service — with the exception of UPS Express Critical service and FedEx Custom Critical.

No matter what your plans are, it is always a good idea to call ahead and confirm a store’s holiday hours before heading out.

Readers, what sort of plans are you making for Memorial Day Weekend?

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The Hottest Mother’s Day Gifts on a Budget

<img src="thehottestmothersdaygiftsonabudget.jpg" alt”Gift Boxes">

Choosing a Mother’s Day gift on a budget can be a challenge. Luckily, you can still get some of the hottest options available without breaking the bank.

Plantable Greeting Cards

If you want to give your mother the gift of flowers without spending a small fortune on a bouquet, consider a plantable greeting card. The card is embedded with flower seeds and otherwise completely biodegradable.

After she enjoys the sweet message in the card, she can simply plant it in her garden or a suitable pot. Then, she’ll get to enjoy the blooms for much longer than even the highest quality bouquets will survive.

If you want to help her bring those flowers indoors, consider adding a caterpillar bud vase. You can find them for around $20. That way, she can pick the nicest ones and display them inside.

Framed Photograph

If you already have a great photo of the two of your together, consider printing it out and framing it. You can easily find smaller frames, like a 4 x 6 or 5 x 7, for less than $20 in a variety of styles.

Plus, getting a digital photo printed is a breeze, even if you don’t have a printer. Big-box retailers like Walmart have easy-to-use kiosks that often let you do simple edits, like cropping. And a single 4 x 6 may only cost you 25 cents.

Bath Bombs

Bath bombs are all the rage and make a great stress-relieving gift for busy moms. You can find them at large retailers, bath-focused specialty chains, and even smaller stores.

The price per bath bomb can vary. In some cases, you can find a pack of eight mass-produced ones for less than $5. Just dress them up with a prettier container, and you have a great gift.

Customized Grocery Tote

For the eco-conscious mom, consider a fun reusable grocery tote. Look for sturdy canvas bags featuring quirky prints or inspiring sayings that speak to her personality.

Customized Journal

If you don’t mind a little do-it-yourself activity, consider creating a customized journal. All you need to do is take a traditional notebook with a sturdy cover, like Moleskine, and adhere origami paper to the surface using Mod Podge.

Origami paper is available in a range of colors, prints, and finishes, so you should be able to find some that will suit anyone’s style.

And, for a personal touch, consider adding a handwritten note on the first page. That way, you can tell her how much you appreciate her in a form she’ll cherish for years.

Homemade Brunch

If you’re handy in the kitchen, consider cooking your mom a homemade brunch. Include items like fresh cinnamon rolls, fresh fruit, and fun flower power sunny-side eggs.

All of the options listed above are fairly low cost, making them easy to work into any budget. Plus, you can add personal touches to quickly make each of these gifts even more special.

What sort of plans are you making for Mother’s Day this year? Have you found any good Mother’s Day gifts that are budget oriented? Please tell us about them in the comments section beneath this post.

Read More About Mother’s Day

Looking for more ideas for Mother’s Day? Take a look at these stories from our archives:

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Does Costco Offer Anything That’s Kosher for Passover?

Does Costco Offer Anything That's Kosher for Passover?

Passover gets started on the second-to-last day of March and lasts until sundown on April 7. While you still have a couple of weeks until it rolls around, it’s never too early to begin planning. So does Costco offer anything that’s kosher for Passover?

Everything on our shopping list for the holiday turned up at the warehouse retailer and for great prices: matzo, eggs, apples, nuts, gefilte fish, chicken, lamb, and macaroons. How much of all these things you buy would depend on whether you’re hosting a seder or simply attending other people’s and bringing dishes.

Does Costco Offer Anything That’s Kosher for Passover?

The number of kosher choices available at Costco stores varies widely by location — and maybe in communities that have larger Jewish populations, you might find the most options. Additionally, prices of grocery items tend to have regional fluctuations based on the average cost of living in different metropolitan areas.

That said, here are prices for Passover-related foods at Costco in San Francisco — it’s entirely possible that prices might be up to 35% cheaper in other locations. Please be advised that while many of them are kosher, some of them aren’t (like the lamb).

Gefilte Fish

  • MealMart Kosher for Passover Gefilte Fish, 2.5 pounds: $11.49
  • Kedem Gefilte Fish, 24 ounces: $9.59

Matzo

  • Yehuda Passover Matzos, 5 boxes, 16 ounces apiece: $9.29
  • Holy Land Hand Made Matzos, 16 ounces: $17.09

Eggs

  • Kirkland Signature Pasture-Raised Organic Eggs, 2 dozen: $9.19
  • Naturally Organic Cage-Free Large Eggs, 5 dozen: $17.69
  • Kirkland Signature Cage Free Eggs USDA Grade AA Large, 5 dozen: $10.99
  • Kirkland Signature Wilcox Extra Large Cage-Free Eggs USDA Grade AAA, 2 dozen: $4.69

Lamb

  • Kirkland Signature Lamb Rib Roast, per pound: $14.69 (not certified kosher)
  • Kirkland Signature Leg Lamb Roast, per pound: $6.69 (not certified kosher)
  • Kirkland Signature Lamb Leg Roast Boneless, per pound: $6.69 (not certified kosher)
  • Kirkland Signature Lamb Loin Chops, per pound: $9.79 (not certified kosher)

Chicken Broth

  • Kirkland Signature Organic Chicken Stock, six 32-ounce cans: $12.19 (not certified kosher)
  • Swanson’s Natural Goodness 33% Less Sodium Chicken Broth, 14.5-ounce cans, 12 count: $7.99 (not certified kosher)
  • Empire Kosher Organic Low Sodium Chicken Broth, six 32-ounce containers: $15.69
  • Roli Roti Organic Chicken Bone Broth, two 24-ounce jars: $10.99 (not certified kosher)

Apples

  • Organic Fuji Apples, 5.5 pounds: $10.99
  • Organic Gala Apples, 5.5 pounds: $12.99
  • Disney Organic Gala Apples, 3 pounds: $5.49
  • Organic Honeycrisp Apples, 5.5 pounds: $17.09

Walnuts

  • Kirkland Signature Organic Walnuts, 1.7 pounds: $15.89
  • Kirkland Signature Walnuts, 3 pounds: $18.29

Macaroons

  • Haddar Chocolate Drizzled Coconut Macaroons, 2 pounds: $9.79
  • El Camino Real Bakery Organic Coconut Bites, 25 ounces: $10.79 (not certified kosher)

Where’s the Manischewitz?

You might have noticed that the list of prices above doesn’t yet include anything in the best-known kosher brand, Manischewitz. However, last year, a case of five pounds of Manischewitz matzo turned up at select Costco locations for as low as $7.99.

Similarly, searches for the best-known kosher wine, Manischewitz, so far show no inventory for 2018, but it’s possible that you might find it at a store near you (and if you do, we’d love it if you’d let us know by posting about it in the comments section beneath this post)

Passover is one holiday that might make you appreciate having a Costco membership: After you clean out your entire kitchen of all leavened bread products, then you need enough of the unleavened variety (matzoh) to get you through eight days and nights, including at least one holiday dinner — known as a seder — but probably several if you’re popular.

What kind of deals have you found at your local Costco, readers? And what do you have planned for Passover?

Read More About Costco

If you liked this article, you just might want to read more from our extensive archive of stories on the subject:

Are Any Supermarket Branches of Banks Open on Easter?

Banks open on Easter
Traditionally, banks are open Monday through Friday from 9:00 a.m. until 5:00 p.m. In more recent years, banks have been offering extended hours and weekend hours for customers. Because some banks have branches within supermarkets that include Sunday hours of operation, it is fair to wonder whether or not there are any banks open on Easter.

For the most part, banks will be closed on Easter Sunday. If your bank has a branch in a supermarket that is normally open on Sunday, it will still likely be closed for the holiday. If you have a question about your specific bank’s Easter hours, you can always visit or call to verify.

What About Good Friday?

As for the days surrounding the Easter holiday, including Good Friday, here’s what most banks and credit unions’ schedules will look like.

  • Good Friday: Banks and credit unions will be open regular hours on Good Friday.
  • Easter Saturday: Banks will be open the day before Easter if they normally have Saturday hours.
  • Easter: Most, if not all, banks and credit unions will be closed on Easter.
  • Monday, April 2: Banks will reopen on Monday for regular business hours; however, some regional banks may close on Monday, April 2 in observance of the Easter holiday. Call your bank ahead of time to verify it will be open on Monday.

Why Aren’t Banks Open on Easter?

Banks, credit unions and other types of financial institutions typically set their hours based on the availability of centralized infrastructure for clearing checks and wiring money between banks.

Even if your bank will be closed you can still perform many basic banking tasks at the ATM, using the bank’s website, or the institution’s mobile phone app. These tools let you make deposits, withdrawals, transfers, and other transactions while the bank is closed.

Holiday closures are a great reason to start using web or mobile phone banking apps if you don’t already. Many of them include listings of your bank’s operating hours. You might also want to check out this printable holiday schedule.

Readers, what have you done to better access money during the holidays?

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