Sound Advice from a NJ and PA Real Estate PROFESSIONAL

CALL FOR FULL RESTORATION OF PROPERTY TAX DEDUCTION

2009-03-27T07:05:00.000-07:00

A CALL TO ACTION !!!!!!!

In Gov. Corzine's recent budget announcement, he calls for a massive change in the NJ tax deductibility of mortgage interest. This is NOT a positive incentive or the right direction to help the Real Estate market here in New Jersey.

I ask ALL who find this blog and are New Jersey residents to follow the link below to the New Jersey Association of Realtors site and take a few minutes to fill out the letter and launch it to our Governor!

We are already one of the if not THE highest taxed State in the Country and now we can be even further burdened as well as driving another nail in the coffin of your largest investment and asset..........THE MARKET VALUE OF YOUR HOME !

CALL TO ACTION.

Many thanks.
Wayne Smith
Weidel Realtors
http://www.housesofhunterdon.com/

A REAL Stimulus Package for Real Estate

2009-03-18T07:12:00.001-07:00

Weidel Realtors is offering a REAL Stimulus package for the NJ and PA real estate market!

Our Famous RED HOT SALE!

Click on the link above to view all the properties.

This ONE DAY EVENT is March 22nd. The owners of approximately 130 properties are offering "BUYER INCENTIVES" of at least 5% of the listed price. These "incentives" can be used by the buyer towards closing costs, points, taxes, or simply a 5% discount off of the current asking price. In order to qualify to receive this "incentive" a buyer MUST register at the Open House or be pre-registered through their current agent. Offers MUST be presented and accepted by the seller prior to April 5th.

Call me or e-mail me IMMEDIATELY if you want to see ANY of the participating properties.

I have 3 properties participating:

3 Dairy Farm Road, West Amwell

A beautiful 6 year old 4 bedroom, 3.5 bath Custom, Cul-de-sac Colonial on 3.7 acres.
The owners are offering a $35,000 incentive.

106 Stony Brook Road, East Amwell

A 17+ Acre, 4 bedroom, 4 full bath, Contemporary, 4,100 sq/ft, Mountain Retreat with in-ground pool.
The owners are offering a $44,950 incentive

115 Colfax, Montgomery
MAGNIFICENT 5 bedroom, 5 full bath, 3 half bath CUSTOM Dutch Colonial, minutes to Princeton.
The owners are offering a $75,000 incentive.

Click on the addresses above to view the property specifics.

YOU MUST ACT QUICKLY!!!!

Credit Scores and Home Buying

2009-01-21T10:52:00.000-08:00

With Mortgage Rates near 50 year lows, in order to take full advantage of this excellent buying opportunity, making certain that your credit scores are the very best they can be is an absolute necessity. Here are some tips to help you take advantage of these extra-ordinary low rates.

What You Can Do to Improve Your Credit
Credit scores, along with your overall income and debt, are big factors in determining whether you’ll qualify for a loan and what your loan terms will be. So, keep your credit score high by doing the following:

1. Check for and correct any errors in your credit report. Mistakes happen, and you could be paying for someone else’s poor financial management.

2. Pay down credit card bills. If possible, pay off the entire balance every month. Transferring credit card debt from one card to another could lower your score.

3. Don’t charge your credit cards to the maximum limit.

4. Wait 12 months after credit difficulties to apply for a mortgage. You’re penalized less for problems after a year.

5. Don’t order items for your new home on credit — such as appliances and furniture — until after the loan is approved. The amounts will add to your debt.

6. Don’t open new credit card accounts before applying for a mortgage. Too much available credit can lower your score.

7. Shop for mortgage rates all at once. Too many credit applications can lower your score, but multiple inquiries from the same type of lender are counted as one inquiry if submitted over a short period of time.

8. Avoid finance companies. Even if you pay the loan on time, the interest is high and it will probably be considered a sign of poor credit management.

This information is copyrighted by the Fannie Mae Foundation and is used with permission of the Fannie Mae Foundation. To obtain a complete copy of the publication, Knowing and Understanding Your Credit, visit www.homebuyingguide.org.

Feng Shui Concepts to Help a Home Sell

2008-12-04T07:33:00.000-08:00

5 Feng Shui Concepts to Help a Home Sell

To put the best face on a listing and appeal to buyers who follow feng shui principles, keep these tips in mind.

1. Pay special attention to the front door, which is considered the “mouth of chi” (chi is the “life force” of all things) and one of the most powerful aspects of the entire property. Abundance, blessings, opportunities, and good fortune enter through the front door. It’s also the first impression buyers have of how well the sellers have taken care of the rest of the property. Make sure the area around the front door is swept clean, free of cobwebs and clutter. Make sure all lighting is straight and properly hung. Better yet, light the path leading up to the front door to create an inviting atmosphere.

2. Chi energy can be flushed away wherever there are drains in the home. To keep the good forces of a home in, always keep the toilet seats down and close the doors to bathrooms.

3. The master bed should be in a place of honor, power, and protection, which is farthest from and facing toward the entryway of the room. It’s even better if you can place the bed diagonally in the farthest corner. Paint the room in colors that promote serenity, relaxation, and romance, such as soft tones of green, blue, and lavender.

4. The dining room symbolizes the energy and power of family togetherness. Make sure the table is clear and uncluttered during showings. Use an attractive tablecloth to enhance the look of the table while also softening sharp corners.

5. The windows are considered to be the eyes of the home. Getting the windows professionally cleaned will make the home sparkle and ensure that the view will be optimally displayed.

Source: Sell Your Home Faster With Feng Shui by Holly Ziegler (Dragon Chi Publications, 2001)

UPDATE ON FREDDIE MAC & FANNIE MAY BAILOUT

2008-09-15T07:19:00.000-07:00

Fannie Mae and Freddie Mac Bailout

Mortgage Bonds are soaring higher on last Sunday’s announcement that Fannie Mae and Freddie Mac will come under control of the government. This announcement came as the government felt both these institutions will no longer be able to meet their mission statement which is to provide liquidity, stability and affordability in the housing markets.
Fannie Mae and Freddie Mac both have issued many Bonds which over time mature, and Fannie and Freddie need to pay back the principal on the maturing Bonds. The way they raise capital to pay these maturing Bonds is to issue new Bonds. This happens every month. And as long as Fannie and Freddie can sell new Bonds this system works well. But the problems in the mortgage industry have reduced investor appetite to purchase these Bonds...and that's where the trouble begins. Without the ability to sell new Bonds, Fannie and Freddie are less able to meet the capital requirements to pay off the maturing Bonds. And that's the big fear. If Fannie and Freddie were to default and become insolvent, it would throw the beleaguered mortgage and housing markets even deeper into the abyss.
Additionally, the recent lack of appetite for Fannie Mae and Freddie Mac Bonds caused the two mortgage giants to have to do something to make their Bonds more attractive...so they offered their Bonds at higher yields to gain more investor interest. However, since they couldn't go back and raise rates on loans that had already been closed, it sucked even more profits out of Fannie and Freddie, reducing capital even further, and exacerbating the problem.
That's why the Treasury has stepped in and said that they will back the payments on these Bonds. This action has given investors a lot of confidence to step in and now buy Mortgage Bonds. Think about it. For a higher rate of return, investors can now buy Mortgage Bonds with the same guarantee as lower yielding Treasury Bonds. This is causing a nice rally in pricing yesterday – which combined with the break above the 200-day Moving Average – leads to attractive rates and what could be a refinance season ahead.

MAGNIFICENT 5 bedroom, 5 bath home in Montgomery

2008-08-20T14:45:00.000-07:00

Click on the picture for more details, pictures and to arrange for a private showing.

Pre-qualification is required.

Location: A few minutes from Princeton

Schools: Award winning

In-Ground Pool: yes and LARGE

Bedrooms: 5 with a private baths

Baths: 5 full and 3 half baths

Fireplaces: 5

CHECK OUT THIS MAGNIFICENT "HAMPTON-LIKE" CUSTOM FRENCH COLONIAL !!!

OFFERED AT $1,699,000

Magnificent Hampton-like Colonial in the prestigious Bedens Brook section of Montgomery awaits your discriminating taste. Montgomery is just a few short miles Princeton, NJ and affords its residents with one of the premier public school districts in the State and is just a short drive to a number of prominent, private schools that surround Princeton.

This exquisite home was designed and appointed for both the grand and elegant entertainer and those that enjoy the warmth & comfort of home. Four interior fireplaces plus a wisteria covered Pergola with a fireplace for the evening gatherings and pool parties add to the warmth and comfort mentioned. Upon entering the grand foyer, to the right you will be impressed by the large and bright elevated formal Living Room with marble surround fireplace, conservatory and a large private office with a wall of built in bookshelves. To the center is the view of the pergola through two large French Doors, a sweeping stairway to the upper level bedrooms and an Ingelnook with a fireplace. Further to left enjoy the large formal Dining Room with a butler’s pantry, Family Room with a marble surround fireplace and a large kitchen area with a breakfast room for more casual dining. The kitchen comes complete with a large gas, professional range with grill, griddle and dual ovens mounted in the granite center island with an over sized exhaust hood. Additionally, there are double wall ovens and a beautiful view of the in-ground pool and woods beyond. A bedroom with a private bath and laundry room complete the 1st floor. Surround yourself in luxury in the Rosa marble master bath with steam shower and master bedroom with fireplace, sitting area, double walk-in closets and balcony. The three remaining bedrooms all have private baths. The full basement has been finished with numerous storage areas as well as a game room.

The over sized 3 car garage is attached to the home via an enclosed breezeway with access to the front gardens as well as the paver driveway large enough to handle 6-8 cars.

The home has recently had a completely new cedar shake roof, landscaping, paver/stone driveway as well as being recently painted.
The exterior gardens, patio, large pool and 11 acre conservation area that abut the property at the rear and side, afford privacy and solitude.

Federal Tax credits for Homebuyers + NJ Grants and Mortgage incentives

2008-08-20T14:17:00.000-07:00

The recently signed Economic Stimulus Package has a provision that allows for a $7,500 tax credit for first time home buyers! If you purchased your 1st home after April of 2008 you may very well be entitle to this tax credit. Make sure you check into this come "tax time"!

Are you a Policeman/woman or Firefighter......The Mortgage programs for you have been funded again! This program ran out of funding in a few short weeks earlier this year. GREAT INTEREST RATES !! ! ! !

NJ still has the NJ Smart Start Grant program. Here's the link...check it out....up to 4% in State grants if you and the property qualify!
http://www.state.nj.us/dca/hmfa/consu/buyers/ownprg/smart.html

SO, ONCE AGAIN I SAY....NOW IS THE BEST TIME TO BUY YOUR 1st HOME???

The Good New Bad News Scenario

2008-07-30T11:24:00.000-07:00

Hi all!
GOOD NEWS
Inventory levels Statewide have started to DROP!
Remember when you first heard of "supply and demand". When supply drops and demand stays constant, prices tend to rise. The activity levels in Somerset, Morris and Mercer Counties have improved. Recently Mercer County was removed from a "declining market" designation list used by many mortgage underwriters. This is ALL GOOD! Especially so for Sellers!

BAD NEWS
Mortgage rates are inching UPWARD!
This increase in rates will reduce a buyers..."buying power". With home prices relatively low after 3 years of correction a buyer can get more house for their dollar. This will change as mortgage rates increase. BAD NEWS for Buyers!

SUMMARY
With inventory levels declining and mortgage rates increasing THIS IS A BUYERS BEST TIME! I've been mentioning this for a few months now and am absolutely convinced that IF your looking for the BOTTOM in this immediate area......you've found it!

Hunterdon County NJ Ranks #7 in Nationwide "BEST COUNTIES TO LIVE"

2008-07-05T11:47:00.000-07:00

WOW ! ! !

According to the recently released "Best Counties to Live in the Nation" by Forbes Hunterdon County Ranks #7 and it is noted that it is the "safest" within the entire list. It ranked JUST behind Morris County (#6) and ahead of Somerset County (one of the wealthiest) at #16.
http://www.forbes.com/2008/06/27/schools-places-family-forbeslife-cz_zg_0630realestate.html

As a Real Estate professional who focuses on these Counties, I would be honored to assist you find your next perfect home in these "BEST COUNTIES" in the ENTIRE NATION !!! Go to http://www.waynefsmith.com/ to search all available properties

Congratulations, Morris, Hunterdon and Somerset Counties.....well done!

8 Tips for Low Cost Staging

2008-06-05T15:13:00.000-07:00

8 Tips for Low Cost Staging

In a tough sales market, staging can help move a property. Barb Schwarz, who claims to have invented home staging in the early 1970s, estimates that about one in four homes nationwide are now staged. Julie Dana and Marcia Layton Turn state in their book, The Complete Idiot's Guide to Staging Your Home to Sell, that a seller stands to gain as much as $9,000 on a $200,000 house if it's staged. Shelly Wagner, a Detroit-based stager, estimates that the cost per room for staging is $100 – small potatoes if it really helps a home sell.

Here are some ideas from Wagner for effective, low-cost staging:

1. Remove scatter rugs and knickknacks from every room.
2. Get rid of everything on the kitchen counters, including appliances, except for the coffee maker.
3. Remove as much as you can from closets.
4. Hire a cleaning service if necessary to make the house spotless. Scrub floors, walls, and windows. Pay special attention to the microwave, oven, and refrigerator.
5. Focus on the feature rooms, the living, dining, and master bedrooms. Additional bedrooms are best left empty or minimally furnished.
6. Arrange the furniture to show off each room’s best features.
7. Set the dining-room table with napkins, plates, and flatware.
8. When showing the house, turn on soft instrumental “buying” music, preferably classical or jazz.

Source: Detroit News, Marge Colborn (05/03/08)

Mortgage Lenders are getting VERY, VERY serious in order to stabilize the marketplace!

2008-01-17T07:51:00.000-08:00

This could possibly be one of the most important messages I will be sending to you. It's equally important to both buyers and sellers.
Please read this in it's entirety.

Mortgage Lenders are getting VERY, VERY serious in order to stabilize the marketplace!

Freddie Mac and Fannie Mae have recently adopted "Risk Based Pricing" for Mortgage interest rates and it is NOW in effect. Strict guidelines, within the conforming mortgage range (non-Jumbo for right now) will require that lenders use the FICO scores (credit scores) to calculate the interest rate surcharge for higher risk loans (scores less than 680). The surcharge for a low FICO score is up to 2% in additional points! If you don’t want to pay the points, it would equate to a 1% INCREASE in the Mortgage Interest Rate!

For potential buyers, it is now EXTREMELY IMPORTANT to make sure that the Mortgage company you are thinking of using specifies on any pre-approval that you are approved at $X and the approval is based upon all normal criteria INCLUDING the FICO score. Depending on your credit score and price range this surcharge could be 10's of $1,000 of dollars thus reducing your buying power.

Freddie and Fannie have strict cut-offs. For example a 679 score versus 680 will be charged 3/4 of a point MORE! If your loan officer is NOT aware of this across the board policy, have them do their homework. This FICO basis is becoming widely used, including homeowners and car insurance policies and is now in the Mortgage industry.

For sellers it is extremely important to make sure that all offers with a Pre-Approval indicate that the FICO scores have been evaluated. It would be a MAJOR ISSUE if, upon the time of Mortgage Commitment, the potential buyer can not qualify for the mortgage amount due to a few less credit score points and the monthly added cost of the corresponding increase in rate.

In order to assist both buyers and sellers Princeton Mortgage will:
1.) perform a sanity check on all Pre-Approvals for sellers if requested
2.) guide buyers, on how to perform some relatively "quick fixes" to their scores through the use of a NEW "what if" program as an added value service to our customers(see below)
3.) work with buyers to improve their FICO scores (there may be fees passed along that are imposed by the 3 major indices)
4.) offer a "Mortgage Commitment" at the beginning of the looking/buying process contingent upon a contract for your new home and postpone the application fee until that time.
This early mortgage commitment is a powerful tool for buyers who may compete with a buyer with ONLY a pre-qualification, and can be worth thousands in the negotiation process. Sellers will know that the buyer (and they) will not have a nightmare surprise late in the game.

Let me know how I and Princeton Mortgage can help.

The "what if" scenario.Princeton Mortgage will consult with a potential buyer and evaluate how to best improve their score. "What if" you applied a certain amount of money to a credit card that is close to the maximum; how many points will your score improve? "What if" an error occurred on your score or a disputed charge is still unresolved; how many points will your score improve? "What if" you paid off a few low amount charges; how many points will your score improve? Will these items move the scores up to a better plateau, and what will that equate to in point savings and/or monthly payments?

November - December Market Update

2007-12-08T08:50:00.000-08:00

November (2007) and thus far in December have shown a SIGNIFICANT increase in activity.

I, as well as other agents that I've had "deals" with recently have all noted a VERY SIGNIFICANT increase in both "offers" and "contracts". I mention both "offers" and "contracts" since offers alone don't necessarily equal contracts. You can't get a contract without an offer though. CONTRACTS have increased which is a sign that sellers are understanding the market and pricing their homes accordingly and buyers are out there with a sense of urgency to BUY.

NOW IS THE TIME TO BE A BUYER!

Interest Rates are low.
Sellers are understanding the market and pricing accordingly.
There is less competition for a buyer.
There are a lot of homes to choose from.
You have to live somewhere, so why not take advantage of this window of opportunity. It won't last forever!

LOOKING TO SELL?

CALL ME @ 908-797-8027 for a NO-COST Market Analysis!

I'm running out of listings since mine are SELLING!

YOUR HOME CAN SELL AS WELL!

SO, WHAT'S SO GREAT ABOUT NEW JERSEY ! Read on.

2007-10-17T20:41:00.000-07:00

New Jersey is a peninsula.
Highlands, New Jersey has the highest elevation along the entire eastern seaboard, from Maine to Florida.
New Jersey is the only state where all of its counties are classified as metropolitan areas.
New Jersey has more race horses than Kentucky.
New Jersey has more Cubans in Union City (1 sq mi.) than Havana, Cuba.
New Jersey has the densest system of highways and railroads in the US.
New Jersey has the highest cost of living.
New Jersey has the highest cost of auto insurance.
New Jersey has the highest property taxes in the nation.
New Jersey has the most diners in the world and is sometimes referred to
as the "Diner Capital of the World."
New Jersey is home to the original Mystery Pork Parts Club
(no, not Spam): Taylor Ham or Pork Roll.
Home to the less mysterious but the best Italian hot dogs and Italian sausage w/peppers and onions.
North Jersey has the most shopping malls in one area in the world, with seven major shopping malls in a 25 square mile radius.
New Jersey is home to the Statue of Liberty and Ellis Island.
The Passaic River was the site of the first submarine ride
by inventor John P. Holland .
New Jersey has 50+ resort cities & towns; some of the nation's most famous:
Asbury Park, Wildwood, Atlantic City, Seaside Heights, Long Branch, Cape May.
New Jersey has the most stringent testing along its coastline for water quality control than any other seaboard state in the entire country.
New Jersey is a leading technology & industrial state and is the largest chemical producing state in the nation when you include pharmaceuticals.

Jersey tomatoes are known the world over as being the best you can buy.
New Jersey is the world leader in blueberry and cranberry production
(and here you thought Massachusetts?)
Here's to New Jersey - the toast of the country! In 1642, the first
brewery in America, opened in Hoboken.
New Jersey rocks! The famous Les Paul invented the first solid body electric guitar in Mahwah, in 1940.
New Jersey is a major seaport state with the largest seaport in the US, located in Elizabeth. Nearly 80 percent of what our nation imports comes through Elizabeth Seaport first.
New Jersey is home to one of the nation's busiest airports
(in Newark), Liberty International.
George Washington slept there.
Several important Revolutionary War battles were fought on New Jersey soil, led by General George Washington.
The light bulb, phonograph (record player), and motion picture
projector, were invented by Thomas Edison in his Menlo Park, NJ, laboratory.
New Jersey also boasts the first town ever lit by incandescent bulbs.
The first seaplane was built in Keyport , NJ.
The first airmail (to Chicago) was started from Keyport, NJ.
The first phonograph records were made in Camden, NJ
New Jersey was home to the Miss America Pageant held in
Atlantic City.
The game Monopoly, played all over the world, named the streets on its playing board after the actual streets in
Atlantic City.
And, Atlantic City has the longest boardwalk in the world,
not to mention salt water taffy.
New Jersey has the largest petroleum containment area outside of the Middle East countries.
The first Indian reservation was in New Jersey, in the
Watchung Mountains
New Jersey has the tallest water-tower in the world. (Union, NJ!!!)
New Jersey had the first medical center, in Jersey City
The Pulaski SkyWay, from Jersey City to Newark, was the first skyway highway.
New Jersey built the first tunnel under a river, the Hudson
(Holland Tunnel).
The first baseball game was played in Hoboken, NJ, which is also the birthplace of Frank Sinatra.
The first intercollegiate football game was played in New Brunswick in 1889 (Rutgers College played Princeton).
The first drive-in movie theater was opened in Camden, NJ,
(but they're all gone now!).
New Jersey is home to both of "NEW YORK'S" pro football teams!
The first radio station and broadcast was in Paterson, NJ.
The first FM radio broadcast was made from Alpine, NJ, by Maj. Thomas Armstrong.
All New Jersey natives:
Sal Martorano, Jack Nicholson, Bruce
Springsteen, Bon Jovi, Jason Alexander,
Queen Latifah, Susan Sarandon, Connie Francis
Shaq, Judy Blume, Aaron Burr, Joan Robertson, Ken Kross,
Dionne Warwick, Sarah Vaughn, Budd Abbott, Lou Costello,
Alan Ginsberg, Norman Mailer, Marilynn McCoo, Flip Wilson,
Alexander Hamilton, Zack Braff Whitney Houston, Eddie Money,
Linda McElroy, Eileen Donnelly,
Grover Cleveland, Woodrow Wilson,
Walt Whitman, Jerry Lewis, Tom Cruise,
Joyce Kilmer, Bruce Willis, Caesar Romero, Lauryn Hill, Ice-T,
Nick Adams, Nathan Lane, Sandra Dee, Danny DeVito, Richard Conti,
Joe Pesci, Joe Piscopo, Joe DePasquale, Robert Blake, John Forsythe,
Meryl Streep, Loretta Swit, Norman Lloyd, Paul Simon, Jerry Herman,
Gorden McCrae, Kevin Spacey, John Travolta, Phyllis Newman, Anne Morrow Lindbergh, Eva Marie Saint, Elisabeth Shue, Zebulon Pike, James Fennimore Cooper, Admiral Wm.Halsey,Jr.,Norman Schwarzkopf, Dave Thomas (Wendy's), William Carlos Williams, Ray Liotta, Robert Wuhl, Bob Reyers, Paul Robeson, Ernie Kovacs, Joseph Macchia, Kelly Ripa, and, of course,
Francis Albert Sinatra and "Uncle Floyd" Vivino.
The Great Falls in Paterson, on the Passaic River, is the 2nd highest waterfall on the East Coast of the US.
You know you're from Jersey when . .
You don't think of fruit when people mention "The Oranges."
You know that it's called Great Adventure, not Six Flags.
A good, quick breakfast is a hard roll with butter.
You've known the way to Seaside Heights since you were seven.
You've eaten at a diner, when you were stoned or drunk,
at 3 A.M.
You know that the state isn't one big oil refinery.
At least three people in your family still love Bruce Springsteen, and
you know the town Jon Bon Jovi is from.
You know what a "jug handle" is.
You know that WaWa is a convenience store.
You know that the state isn't all farmland.
You know that there are no "beaches" in New Jersey--there's the shore--and you don't go "to the shore," you go "down the shore." And when you are there, you're not "at the shore"; you are "down the shore."
You know how to properly negotiate a circle.
You knew that the last sentence had to do with driving.
You know that this is the only "New" state that doesn't require "New" to identify it (try . . Mexico . . . York ..! . . Hampshire-- doesn't work, does it?).
You know that a "White Castle" is the name of BOTH a fast food chain AND a fast food sandwich.
You consider putting mayo on a corned beef sandwich a sacrilege.
You don't think "What exit?" is very funny.
You know that people from the 609 area code are "a little different." Yes they are!
You know that no respectable New Jerseyan goes to Princeton--that's for out-of-staters.
The Jets-Giants game has started fights at your school or local bar.
You live within 20 minutes of at least three different malls.
You refer to all highways and interstates by their numbers.
Every year you have at least one kid in your class named Tony.
You know the location of every clip shown in the
Sopranos opening credits.
You've gotten on the wrong highway trying to get out of the mall.
You know that people from North Jersey go to Seaside Heights, and people from Central Jersey go to Belmar, and people from South Jersey go to Wildwood.
It can be no other way.S
You weren't raised in New Jersey--you were raised in either North
Jersey, Central Jersey or South Jersey.
You don't consider Newark or Camden to actually be part of the state.
You remember the stores Korvette's, Two Guys, Rickel's, Channel, Bamberger's and Orbach's.
You also remember Palisades Amusement Park.
You've had a boardwalk cheese steak and vinegar fries.
You start planning for Memorial Day weekend in February.
And finally . .
You've NEVER, NEVER NEVER, EVER
pumped your own gas!