The car on the right is a 1907 Packard Model 30 7-passenger touring. The license plate is dangling by what appears to be a rope - cars in 1907 did not come with license plate brackets -- but is almost certainly a Massachusetts porcelain-style plate. The car on the left is also a Packard, possibly a 1908.

or more likely biting her nails.

Her hat looks very modern for that era, it wouldn't look out of place today.

The Oceanside was a popular hotel. Unfortunately it burned down.

I think tterrace is right. Besides, smoking by women in public probably wasn't thought of very highly in those days.

I went to the LOC online collection and grabbed the full-sized tiff to get this closeup. She's not smoking, whistling seems plausible, but it's also possible she's been caught in some transitory motion, like scratching her lip for a second, that an instantaneous photographic capture makes seem like a pose.

I'm not sure she's smoking -- looks like she's whistling for a taxi and getting the smiles and attention of the others in the photo. Or maybe they just think she's too young to be smoking, too.

What a beautiful house!
But it doesn't look to me...that the girl on the steps is smoking.

The woman at the left on the sidewalk is allowing a gust of wind to show a great deal of leg. Very daring for the time.

But that lady on the steps has hair like a hat.

... is too young to be smoking!