Fed keeps lowering rate. Refi in works??

I'm quietly anticipating the chance to refi the mortgage this Jan when our 36 month prepayment penalty ends. Given the rate this week we'd potentially save $190 a month with a 9 month timeframe to make up the difference in closing cost. If rate lowers in 8 weeks I'd love to see additional monthly savings of over $200. That's make for some good extra money each month to invest. Aiming to buy into some of our ETFs and funds to dollar cost average.

I wonder if anyone else is considering refi in these times??? I know a co-worker of mine wants to but he doesn't have enough equity to do. Instead he's having a family-in-law member move in to the extra room. Yikes.

He'll make a good bit with the rent. But I'm not in the position of leasing out our extra room. It's currently the storage room and is filled with everything. Good thing it is in the back of the house.

Starbucks disappoints again

Just hopped down to the neighborhood Starbucks. I'm not a regular but
stop in every so often. Generally I'll bring a mug and get some drip. I
never know what price I'll be charged. Depending on the cash
register-bot it is usually between $1 and $1.50ish. Oh, not so today.
Must be a new hire. She timidly said she had to charge me for a grande.
And voile' - $1.92. Hell, I'm saving them money by providing a mug --
hey, it's even a Starbucks branded one. I could of expected a surcharge
for having a Tulley's.
I had a left over shareholder's gift card (they used to give them out at
the sharehold meeting but didn't this year.) so I really didn't feel
like arguing and haggling. But I tell you, I really felt like I over
paid. I see a future of less and less trips to sbux coming.