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Presidents day

Is Presidents’ Day the Best Time to Buy a Mattress?

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best time to buy a mattress

Most mattresses cost between $200 and $1,500. There are premium mattresses that can cost $5,000 or more, however, many people can find a quality one for around $1,000. A grand is still quite a bit of money to spend on a mattress, so you may want to wait until sales are happening. So, when is the best time to buy a mattress?

The Best Time to Buy a Mattress

If you are a savvy shopper, you’ve probably heard there are specific holidays and times during the year where you may be able to score a mattress on the cheap. That has changed slightly over the years with the increase in popularity of online shopping though.

Before setting out to purchase any big-ticket items it is a good idea for you to have a set budget in mind. Without a set budget and the money saved, you are more likely to overspend and possibly go into debt (and a mattress just isn’t worth that). Once you’ve decided on that, you can move forward with finding the best time to buy a mattress for you. That being said, there are a few days throughout the year that may prove to be cheaper than others.

Late Winter/Early Spring

It can be a good idea to plan and save for your mattress to be bought in the early spring. May seems to be a month where many retailers put their merchandise on sale to make room for the next year’s inventory. The biggest sales are typically seen around Memorial Day weekend. Discounts around this time on mattresses are typically up to 60% (a decent amount of savings).

Holiday Weekends

As mentioned above, Memorial Day weekend is a good time to go looking at mattresses. There are other holiday weekends that have proven to be good for sales too. You can discover discounts up to 60% on Presidents’ Day weekend, 4th of July, Labor Day, and Thanksgiving as well. If you’re in the market for a mattress, you may want to consider waiting for one of these holiday weekends to make a purchase.

Buy Online

Lastly, you can save even more money if you buy your mattress online. Many people still make their mattress purchases in person, but brick-and-mortar stores mark up the price in a huge way. Brands that typically sell for $2,000 to $3,000 in-store can be found for around $1,000 online.

This method of saving money on mattresses does have its downfalls though. You won’t be able to see (or try) the mattress before buying it. You will have to rely on online reviews. But, you will have a plethora of products to choose from, not to mention you won’t have any pressure from salespeople on the floor.

Mattress Coupons

As with anything else you buy, it is possible to find coupons, discounts, and promo codes for mattresses online. However, it is important that you verify the site and source of the coupon code if you are relying on it to be able to pay for the item. It is common for promo codes listed online and elsewhere to be expired.

If you are looking for a promo code, RetailMeNot, Coupons.com, and Groupon are the best, most reliable resources. Members of Costco and Sam’s Club may also find they can get some spectacular deals on mattresses. In fact, according to the Krazy Koupon Lady, Costco has the lowest mattress prices of any retailer.

Most mattress manufacturers don’t offer coupons, per se. Instead, they offer in-store deals and/or bundles. For instance, many mattress companies will give you a free boxspring with the purchase of a mattress or the deal you are getting is part of a larger sale. The Original Mattress Factory does offer printable internet coupons though, which you can access on their website.

As with anything else you buy, it is possible to find mattress deals, discounts, and promo codes for mattresses online. However, it is important that you verify the site and source of the coupon code if you are relying on it to be able to pay for the item. It is common for promo codes listed online and elsewhere to be expired.

Keep This in Mind…

With all big-ticket purchases, it is important to remember you get what you pay for. Most mattresses under $500 will not come with warranties and may not use the best materials available to be constructed. Consider this before settling for cheaper models.

Readers, when was the last time you bought a mattress? How much did you spend? 

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Is Target Open on President’s Day 2020?

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Is Target Open on President's Day 2020?

 

 

Monday, February 17, 2020, is Presidents’ Day, the third federal holiday of the year. Whenever there’s a federal holiday. Government employees typically get the day off. Additionally, many other types of companies close. This includes most financial institutions and even some retailers. However, stores aren’t required to turn away customers on Presidents’ Day. Instead, they get to choose whether to open. This can lead to some confusion. Particularly as many people would like to handle their shopping on this extra day off. If you are wondering is Target open on President’s Day 2020, here’s what you need to know.

Is Target Open on Presidents’ Day?

Yes, Target stores will be open on Monday, February 17, 2020. The company decided not to close their doors on this particular holiday. They  may even host a sale connected to Presidents’ Day to try to draw in customers.

In fact, most major retailers open on this holiday. However, financial institutions typically don’t. It’s normal for banks and credit unions to close on Presidents’ Day. Additionally, the stock and bond markets aren’t open.

Does Target Have a Presidents’ Day Sale?

Yes, Target does have a sale on Presidents’ Day. Usually, the deals are available for the entire week and not just on the holiday itself. Also, you can find savings by shopping in-store or online. With this, you can handle your purchases whichever way suits you best.

Details about the Target Presidents’ Day sale are usually available no later than the Sunday before the holiday. For 2020, that means you should be able to view the sale flyer by Sunday, February 16, at the latest.

Target Holiday Schedule for 2020

On all but two major holidays, Target opens its doors and welcomes customers. In fact, the retailer only completely closes its stores twice a year. They also have limited store hours one additional day during the year. Otherwise, Target stores open in accordance with the location’s regular operating hours.

Here is an overview of the 2020 Target holiday schedule:

  • Wednesday, January 1 (New Year’s Day): Target stores are open
  • Monday, January 20 (Martin Luther King Jr. Day): Target stores are open
  • Friday, February 14 (Valentine’s Day): Target stores are open
  • Monday, February 17 (Presidents’ Day): Target stores are open
  • Tuesday, March 17 (St. Patrick’s Day): Target stores are open
  • Friday, April 10 (Good Friday): Target stores are open
  • Sunday, April 12 (Easter Sunday): Target stores are closed
  • Monday, April 13 (Easter Monday): Target stores are open
  • Sunday, May 10 (Mother’s Day): Target stores are open
  • Monday, May 25 (Memorial Day): Target stores are open
  • Sunday, June 21 (Father’s Day): Target stores are open
  • Saturday, July 4 (Independence Day): Target stores are open
  • Monday, September 7 (Labor Day): Target stores are open
  • Monday, October 12 (Columbus Day): Target stores are open
  • Saturday, October 31 (Halloween): Target stores are open
  • Wednesday, November 11 (Veteran’s Day): Target stores are open
  • Thursday, November 26 (Thanksgiving Day): Target stores are open, but for limited hours
  • Friday, November 27 (Black Friday): Target stores are open for extended hours
  • Thursday, December 24 (Christmas Eve): Target stores are open, and they may have extended operating hours
  • Friday, December 25 (Christmas Day): Target stores are closed
  • Thursday, December 31 (New Year’s Eve): Target stores are open
  • Friday, January 1, 2021 (New Year’s Day): Target stores are open

Extra Early Closure Days

It is important to note that 24-hour Target stores may have a few extra early closure days. For example, they might shut their doors at 10:00 pm or 11:00 pm on Christmas Eve instead of waiting until Christmas Day officially starts to close.

Additionally, there can be situations that cause a Target store to close even when the rest are open. For example, renovations, utility outages, severe weather, or similar events could prevent a Target from opening on certain days. In some cases, these closures may be unexpected or unplanned, particularly when weather issues or utility outages are involved.

2020 Target Store Hours

Not all Target locations follow the same schedule. However, aside from the limited number of 24-hour stores, most open and close around the same time.

Here is what an average Target store schedule looks like:

  • Monday through Friday: 8:00 am to 9:00 pm or 10:00 pm
  • Saturday: 8:00 am to 10:00 pm or 11:00 pm
  • Sunday: 8:00 am to 9:00 pm or 10:00 pm

Some stores do deviate a bit from the schedule above. For example, they may open at 7:00 am instead of 8:00 am. Additionally, some locations stay open later on Friday and Saturday nights, leading them to close at midnight instead.

In many cases, stores that have longer opening hours are in high-traffic areas. This could include stores in cities or bigger towns where there is only one Target, leading everyone to shop at the same location who lives nearby.

Since Target store operating hours can vary, it’s wise to check with your preferred location before you shop early in the morning or late at night. That way, you can make sure that your store will be welcoming customers at that time. You can either call the store directly or head to the Target website and use the store locator to find out more.

 

 

Do you plan on shopping at Target this Presidents’ Day? Will you be shopping elsewhere on the holiday? Share your thoughts in the comments below.

 

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Are Banks Open on President’s Day 2020?

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are banks open on presidents day
When it comes to the February holidays, most people focus on Valentine’s Day. This year, that day of romance falls on a Friday. Since it’s the event that draws most people’s attention. It’s easy to overlook that Monday, February 17, 2020 – the Monday after Valentine’s Day – is President’s Day, a federal holiday. As with most federal holidays. There can be a bit of confusion regarding what will and won’t be open on President’s Day. If you are wondering, “Are banks open on President’s Day?” you aren’t the only one. For anyone who hoped to do some banking on February 17. Here’s what you need to know.

CIT Bank Money Market Account

Are Banks Open on President’s Day?

No, banks typically are not open on President’s Day. It’s normal for banks close on federal holidays. President’s Day is no exception.

However, it’s important to note that some bank locations may be open. For example, branches inside of supermarkets or certain retail stores may open their doors on the holiday. This includes some PNC Bank and SunTrust Bank locations. Additionally, TD Bank branches are often open on President’s Day.

Otherwise, it’s often safe to assume that banks will close for the holiday. Some banks that do not open on President’s Day include:

  • Bank of America
  • Capital One
  • Citibank
  • HSBC Bank
  • US Bank

Additionally, regular PNC Bank and SunTrust Bank branches (those not in grocery or retail stores) will likely be closed as well.

If you need assistance from a bank employee. You will either need to head to your bank on the business day before President’s Day – either Friday, February 14 or Saturday, February 15. Depending on whether your bank has Saturday hours – or wait until the February 18, the Tuesday after the holiday.

Are Credit Unions Open on President’s Day?

No, most credit unions are not open on President’s Day. Like banks, the majority of credit unions follow the federal holiday schedule and close accordingly. However, there can be exceptions. For example, locations in retail or grocery stores, that may open.

Is the Stock Market Open on President’s Day?

No, the stock market is not open on President’s Day. Regardless of where your brokerage, IRA, or other kind of investment account is held. Trades and similar activities essentially come to a halt on most federal holidays, include President’s Day.

Both the New York Stock Exchange (NYSE) and NASDAQ close. Additionally, the bond market isn’t open either.

2020 Bank and Credit Union Holiday Schedule

Since banks and credit unions generally follow the federal holiday schedule. Most will close whenever government offices do. Here’s an overview of a typical 2020 bank and credit union holiday schedule:

  • New Year’s Day – Wednesday, January 1 – Banks and credit unions are closed
  • Martin Luther King, Jr. Day – Monday, January 20 – Banks and credit unions are closed
  • Presidents Day – Monday, February 17 – Banks and credit unions are closed
  • Memorial Day – Monday, May 25 – Banks and credit unions are closed
  • Independence Day (Observed) – Friday, July 3 – Banks and credit unions are closed
  • Labor Day – Monday, September 7 – Banks and credit unions are closed
  • Columbus Day – Monday, October 12 – Banks and credit unions are closed
  • Veterans Day – Wednesday, November 11 – Banks and credit unions are closed
  • Thanksgiving Day – Thursday, November 26 – Banks and credit unions are closed
  • Christmas Day – Friday, December 25 – Banks and credit unions are closed

It’s important to note that Independence Day actually falls on a Saturday in 2020. When this happens, the day the holiday is observed usually shifts to the Friday before. As a result, many banks will close on Friday, July 3, as well as Saturday, July 4.

Many people also notice that there are additional holidays where credit unions and banks are usually closed that aren’t on the list. For example, a bank typically isn’t open on Easter Sunday, Mother’s Day, or Father’s Day. The reason that is the cases usually isn’t because of the holiday itself. Instead, it’s because those events fall on Sundays, a day of the week where most banks and credit unions are closed anyway.

How to Bank on President’s Day

Even if your local branch closes on President’s Day, that doesn’t mean your banking needs have to go unaddressed. Nearly any service that doesn’t require interacting with a teller is still available.

For example, you can withdraw cash at an ATM that isn’t locked inside the building. You may also be able to make deposits, initiate transfers, or pay certain bills at ATMs or similar kiosks.

Additionally, you’ll still have access to a range of online banking services. Check depositing through mobile apps will be available, as well as bill paying services, the ability to initiate transfers, and access to information about your balances.

It’s important to note that the transactions themselves might not process until the next business day. This includes deposits, bank-to-bank transfers, bill pay involving the institution mailing a check on your behalf, and certain other activities that require a bank or credit union to be open for it to go through.

 

Do you ever wish that banks were open on federal holidays? Why or why not? Share your thoughts in the comments below.

 

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Is Costco Open on Presidents’ Day 2020?

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Figuring out what stores are open on federal holidays can be challenging. There isn’t a single major retailer that follows the federal holiday schedule exactly, so you can’t use that as a gauge. Plus, major retailers and small businesses all handle things a little bit differently as well – just because one is open does not mean another is also welcoming shoppers. Since Costco is more of a destination than a typical store, with many people traveling outside of their home area to shop, knowing if Costco is open before you head out the door is critical. With that in mind, here’s what you need to know about Costco’s Presidents Day schedule.

Is Costco Open on Presidents Day?

Yes, Costco is open on Presidents Day. While Costco closes on more federal holidays than most retailers, but Presidents Day isn’t one the retailer chooses to observe by closing.

In fact, the popular wholesale warehouses don’t even close early or open late on Presidents Day. Instead, Costco stores will operate in accordance with their regular schedule on Monday, February 15, 2020.

When Does Costco Close for Holidays in 2020?

When it comes to holiday schedules, Costco’s is pretty unique. The retailer doesn’t follow along with the federal holiday guidelines exactly but also doesn’t follow cues from other stores. Instead, Costco makes its own decisions, trying to do what is best for their employees while also being convenient for customers.

Here is a look at Costco’s 2020 holiday schedule:

  • Wednesday, January 1, 2020: Costco is closed on New Year’s Day
  • Sunday, April 12, 2020: Costco is closed on Easter Sunday
  • Monday, May 25, 2020: Costco is closed on Memorial Day
  • Saturday, July 4, 2020: Costco is closed on Independence Day
  • Monday, September 7, 2020: Costco is closed on Labor Day
  • Thursday, November 26, 2020: Costco is closed on Thanksgiving Day
  • Friday, December 25, 2020: Costco is closed on Christmas Day
  • Friday, January 1, 2020: Costco is closed on New Year’s Day 2020

There are also a couple of days where Costco closes early, usually on the day before a major holiday. Here is a list of the Costco early closure days for 2020:

  • Thursday, December 24, 2020: Costco is open, but closes early on Christmas Eve
  • Thursday, December 31, 2020: Costco is open, but closes early on New Year’s Eve

On those two days, most Costco locations will close at 6:00 pm instead of their usual closing time. If you need last minute items on those days before the holiday, then it is important to place accordingly.

Is Costco Open on Some Holidays?

Yes, Costco is open on some holidays, including Presidents Day on Monday, February 18, 2020. On the holidays listed below, Costco is open during their typical operating hours:

  • Monday, January 20, 2020: Costco is open on Martin Luther King Jr. Day
  • Friday, February 14, 2020: Costco is open on Valentine’s Day
  • Monday, February 15, 2020: Costco is open on Presidents’ Day
  • Tuesday, March 17, 2020: Costco is open on St. Patrick’s Day
  • Friday, April 10, 2020: Costco is open on Good Friday
  • Sunday, May 10, 2020: Costco is open on Mother’s Day
  • Sunday, June 21, 2020: Costco is open on Father’s Day
  • Monday, October 12, 2020: Costco is open on Columbus Day
  • Saturday, October 31, 2020: Costco is open on Halloween
  • Wednesday, November 11, 2020: Costco is open on Veteran’s Day

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What are the Costco Warehouse Store Hours?

While each Costco warehouse store may have slightly different opening hours, most follow a similar schedule. Here is when Costco warehouses are typically open in 2020:

  • Monday through Friday: 10:00 am to 8:30 pm
  • Saturday: 9:30 am to 6:00 pm
  • Sunday: 10:00 am to 6:00 pm

If you want to shop close to the opening or closing time, then it is wise to check with your local store to confirm their hours. That way, you do not make a trip only to discover that your Costco is closed.

Additionally, it’s important to note that certain Costco stores may be open later near the winter holidays, making it easier for shoppers to get what they need during the gift-giving season.

Finally, certain events can lead to expected closures. For instance, severe weather, renovations, remodels, or loss of power or water services may prompt a store to close even if it would usually be open.

What are the Costco Business Center Hours?

Costco Business Centers follow the same holiday schedules as regular warehouse stores. However, their business hours are different. Here is the typical Costco Business Center schedule:

  • Monday through Friday: 7:00 am to 6:00 pm
  • Saturday: 7:00 am to 4:00 pm
  • Sunday: Closed

There is one exception to the hours above. The Salt Lake City location follows this schedule instead:

  • Monday through Friday: 7:00 am to 8:30 pm
  • Saturday: 7:00 am to 7:00 pm
  • Sunday: 10:00 am to 6:00 pm

Does Costco Have a Presidents Day Sale?

No, Costco does not have a Presidents Day sale in the warehouse stores. But the retailer does have monthly deals that can help shoppers save on items throughout the store. They just don’t align those discounts with the holiday.

Do you plan on heading to Costco this President’s Day? Share your plans in the comments below.

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Is the Stock Market Open on Presidents’ Day 2020?

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Stock market open presidents day

Monday is a federal holiday, which means different things for different types of business. Most retail stores and grocers will remain open, while non-essential government offices will be closed. What does that mean for investors? Is the stock market open Presidents’ Day?

Will The Stock Market Be Open on Presidents’ Day?

Oftentimes, when people refer to the stock market they are referring to the New York Stock Exchange (NYSE). The NYSE, NASDAQ, and bond markets don’t all run on the same schedule. So, it is important to differentiate.

However, the stock market is closed on Presidents’ Day. You can buy, sell, and trade regularly on Friday, February 14 and will be able to do so again at start-of-business Tuesday, February 18.

Will NASDAQ Be Open on Presidents’ Day?

NASDAQ will be closed on Monday, February 17. While the bond market has its own schedule, the NYSE and NASDAQ have the same holiday schedule. Therefore, the NASDAQ will also be closed Presidents’ Day.

Will the Bond Market Be Open on Presidents’ Day?

The bond market (SIMFA) will be also closed on Presidents’ Day. If you have any business to do with bonds, you need to get it done on Friday, February 14, or make sure it can wait until Tuesday, February 18.

Stock Market Holidays

The stock market (NYSE and NASDAQ) is closed each year in observance of the following federal holidays: New Year’s Day, Martin Luther King Jr. Day, Washington’s Birthday, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving and Christmas Day. The stock market also closes the day before Independence Day.

Normally, the stock market closes at 5 p.m. EST. However, there are a few days during the year where the market closes early. These days are usually Black Friday and Christmas Eve.  No dates around Presidents’ Day are affected in this way.

If you are an active trader or have holdings in the NASDAQ, NYSE or bond market, you should become aware of what days these markets are open and closed. The stock market does not always follow a federal holiday schedule and can be confusing at times.

Readers, how do you plan to spend your Presidents’ Day weekend?

Photo: Flickr: Randy Lemoine

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2020 Federal Holiday Schedule

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federal holiday schedule
Every year, the United States government recognizes ten federal holidays. Aside from some workers whose jobs focus on national security and safety, when each holiday arrives, federal employees usually get a day off. It is also fairly common for other businesses to close on these days. By knowing the federal holiday schedule for 2020, you can plan for possible days off from work and potential business closures. Here is an overview of the federal holidays for 2020.

Federal Holiday Schedule 2020

The United States government has ten holidays that it observes. Typically, on those days, government offices close for the day. This includes post offices, which are part of the United States Postal Service, a government agency.

Here is a list of the 2020 official federal holidays:

  • New Year’s Day – Wednesday, January 1
  • Martin Luther King, Jr. Day – Monday, January 20
  • Washington’s Birthday (Presidents Day) – Monday, February 17
  • Memorial Day – Monday, May 25
  • Independence Day (Observed) – Friday, July 3
  • Labor Day – Monday, September 7
  • Columbus Day – Monday, October 12
  • Veterans Day – Wednesday, November 11
  • Thanksgiving Day – Thursday, November 26
  • Christmas Day – Friday, December 25

It’s important to note that Independence Day is usually observed on July 4. However, when any federal holiday falls on a weekend, the day it is observed shifts to either the Friday before or the Monday after the actual holiday. Since July 4, 2020, falls on a Saturday, Friday, July 3, 2020, becomes the day the holiday is observed.

What Closes on Federal Holidays?

Along with government offices closing their doors on federal holidays, other businesses and entities do as well. Banks and credit unions commonly close on federal holidays. It also isn’t unusual for the stock market not to open in observance of the occasion. It’s important to understand that there are some exceptions, even with financial institutions.

Additionally, other businesses may choose to close on at least some federal holidays. For example, many retailers close on Christmas, including retail giants like Costco, Walmart, and Target. However, all of those retailers are open on other federal holidays, such as Veterans Day and Columbus Day.

Further, some retailers won’t fully close on a holiday. Instead, they will use a reduced holiday schedule. This results in them being open fewer hours on that day than they would usually be on that particular day of the week.

Here’s a look at what businesses, organizations, or entities usually close on federal holidays:

  • K-12 Schools
  • Trade Schools, Colleges, and Universities
  • Mail and Package Delivery Services, including USPS, UPS, and FedEx
  • Stock and Bond Markets
  • Banks and Credit Unions
  • Medical and Dental Offices
  • Professional Services Offices (Lawyers, Accountants, etc.)
  • Day Cares

Some entities will close for at least some federal holidays. This includes:

  • Retailers
  • Grocery Stores
  • Pharmacies and Drug Stores
  • Restaurants

Every company has the ability to set its own holiday schedule. As a result, you may need to check with the specific business to see if it closes for any particular holiday.

Are Federal Holidays Public or National Holidays?

No, federal holidays are neither national nor public holidays. When a day is declared a public or national holiday, everyone will get a day off. That would mean every business in the country would have to close. Essentially, the closures, and day off for employees, would be required by law.

The United States doesn’t have any national or public holidays. However, there are other nations that do. For example, Cambodia has 28 public holidays, the largest number in the entire world.

Which Employees Get the Day Off on Federal Holidays?

While many people believe that everyone should get the day off on a federal holiday, that isn’t how it works. In fact, the only people who are guaranteed to get the day off are most federal employees.

Even some people who work for the United States government have to work on holidays, including employees who focus on national security and public safety. For instance, some U.S. Customs and Border Protection (CBP), Department of Defense (DoD), Transportation Security Administration (TSA), Federal Bureau of Investigation (FBI), and similar departments have personnel working on holidays.

Additionally, while most state governments close on federal holidays, not all of them do. They aren’t required by law to follow the same schedule, so a few have chosen to use alternative holiday schedules. For example, Washington State does not close on Columbus Day, so its employees report to work on that holiday. However, Washington State recognizes the day after Thanksgiving as a state government holiday, so employees get that day off instead.

Other businesses may also choose to close for federal holidays, essentially giving their employees the day off. But this is optional for every entity besides most government agencies.

Non-Federal Holiday Schedule 2020

There are additional holidays that are frequently observed in the United States, but don’t make it onto the federal holiday schedule. While many of these don’t result in any business closures, one does on occasion. Some major retailers close their doors on Easter Sunday. This includes Target and Costco.

Here is a list of the non-federal holidays and when they happen in 2020:

  • Valentine’s Day – Friday, February 14
  • Patrick’s Day – Tuesday, March 17
  • Easter – Sunday, April 12
  • Mother’s Day – Sunday, May 10
  • Father’s Day – Sunday, June 21
  • Halloween – Saturday, October 31

While the holidays above aren’t federal holidays, government offices are closed for some of them incidentally. Since most government agencies aren’t open on Sundays, the majority of employees get that day off, whether there is a holiday or not.

 

Do you keep track of the federal holiday schedule? Are you looking forward to any of the holidays above in 2020? Why or why not? Share your thoughts in the comments below.

 

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