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8 Budget-Friendly Towns in New Jersey for Retirees

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8 Budget-Friendly Towns in New Jersey for Retirees


A good plan after retirement begins with finding a lovely community to spend your golden years. Important considerations during this time are safety, access to social amenities, recreation opportunities, and the town’s affordability. Luckily, New Jersey offers budget-friendly options that won’t break the bank. From charming downtowns to coastal communities, these top picks welcome retirees seeking an enjoyable lifestyle without stretching savings.

Whether you’re a culture vulture, history enthusiast, or outdoor adventurer, these small towns in New Jersey deliver affordable living alongside a high quality of life. Senior citizens should comfortably settle in a town offering amenities, activities, and a strong sense of community. Their affordability and livability make for relaxing later years surrounded by easy pleasures within any budget.

Rahway

Overlooking Rahway, New Jersey.

Situated just 15 miles from Manhattan, Rahways ensures retirees have easy access to all of its neighbor’s big-city luxuries, from remarkable shopping opportunities to premium health facilities. However, it balances this with a relaxed, small-town atmosphere, featuring a network of cozy natural areas. Seniors can indulge in diverse recreation across the sprawling expanse of Rahway River Park, which houses facilities like an outdoor swimming pool, walking trails, and picnic spaces. Rahway boasts a vibrant art scene, offering retirees ideal indoor pursuits. Catching a live show at Union County Performing Arts Center is a great way to celebrate the local creative community and meet new faces.

Meanwhile, history-loving pensioners will find the Merchants & Drovers Tavern Museum extremely interesting, owing to its storied heritage, dating back to 1795. The venue is listed on the National Register of Historic Places, providing an insightful look into Rahway’s history. Retirees hoping to acquire a home should budget around $459,000, the median home price.

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Hammonton

William L. Black House in Hammonton, New Jersey
William L. Black House in Hammonton, New Jersey, By 2o46 – Own work, CC BY-SA 3.0, Wikimedia Commons

Nicknamed the “Blueberry Capital of the World,” Hammonton is home to numerous wineries and sprawling vineyards, culminating in green natural scenery. The town invites retirees to savor its beautiful open spaces, while sampling tasty artisanal wines at establishments like Plagido’s Winery. With the Wharton State Forest surrounding the town center, there are countless recreational activities to take advantage of in Hammonton. This expansive nature preserve hosts lakes, rivers, trails, and woods, calling on hikers, campers, anglers, picnickers, and nature viewers to revel in Mother Nature’s bounty.

Those who prefer to stay away from the wilderness can watch entertaining plays at Eagle Theater, which attracts enthusiasts of all ages. The town has the Hammonton Senior Center to care for pensioners when old age proves challenging. As well as this, the median housing price is less than the United States average at $399,900.

Hopatcong

A scenic view of Lake Hopatcong, New Jersey.
A scenic view of Lake Hopatcong, New Jersey.

A waterfront setting on the coast of Lake Hopatcong gives this Sussex County town an easygoing vibe which entices retirees to establish a forever home. This also gives them every reason to embrace the outdoor lifestyle and make the most of delightful experiences like sightseeing sailing trips offered by Lake Hopatcong Cruises. Next to the beautiful waters, Lake Hopatcong Golf Club provides a serene natural space where seniors can join their peers in enjoying a lovely outdoor session, perfecting their swing on an 18-hole golf course.

When not immersed in the town’s outdoor adventures, pensioners can enjoy a visit from their grandkids at Tagalongs Play Place Lake Hopatcong. Conveniently, the Hopatcong Senior Center supports retirees when they can no longer function independently. For those eyeing a residential property in the city, the average cost of housing is $386,400.

Phillipsburg

Phillipsburg, New Jersey, seen across the Delaware River from Easton, Pennsylvania.
Phillipsburg, New Jersey, seen across the Delaware River from Easton, Pennsylvania.

This adorable community along the Delaware River charms incoming retirees with its idyllic natural surroundings and rich railroad heritage. Thanks to the Delaware River Railroad Excursions, senior citizens can soak up beautiful river views in a vintage train car during a relaxed ride. Furthermore, Phillipsburg Railroad Historians offer a look into local railroad history. This exciting museum houses antique train cars, restored locomotives, and other railroad-related artifacts.

For their outdoor recreation, seniors can stay active along Walters Park’s quiet walking trails. The park also features diverse facilities, including a playground, courts, and athletic fields. Phillipsburg residents can access reliable medical attention from St. Luke’s Hospital whenever necessary. Finally, Phillipsburg is one of the cheaper towns to live in New Jersey, with the average cost of real estate property at $300,000.

Sparta

Lake Mohawk, Sparta, New Jersey.
Lake Mohawk, Sparta, New Jersey.

Sparta is an excellent destination for retirees who spend considerable time with their grandkids. It has a wide array of family-friendly attractions that encourage being around loved ones with every available opportunity. Highlights include Tomahawk Lake Water Park, which charms guests with endless water-based recreation, including boating, swimming, and paddleboarding. The town also has a mini golf course and sand toy stand tailored to the young. Indoor alternatives include watching a live performance at Sparta Avenue Stage, which leaves many in awe of its magic performances.

Those who enjoy retro experiences can visit the Van Kirk Homestead Museum, a historic homestead from the 18th century, which depicts old-world Sparta through various period artifacts and memorabilia. Sparta also offers the Lake Mohawk Country Club for seniors who crave meaningful connections with peers. Elsewhere, those interested in a home should know the area’s listing average is $450,000.

Vernon

View north along Sussex County Route 517 (Rudetown Road) at New Jersey State Route 94 (McAfee-Vernon Road) in Vernon Township, Sussex County, New Jersey
View north along Sussex County Route 517 (Rudetown Road) at New Jersey State Route 94 (McAfee-Vernon Road) in Vernon Township, Sussex County, New Jersey, By Famartin – Own work, CC BY-SA 4.0, Wikimedia Commons

Vernon provides a charming balance between rural charm and access to urban luxuries. The town is around an hour’s drive from New York City, allowing pensioners to seek superior recreation opportunities and health services. Locally, the cozy natural scenery and low population culminate in the ideal retirement base. Seniors can stay active by hiking the Stairway to Heaven, a moderately challenging 2.6-mile climb that rewards hikers with sweeping views of the town landscapes. The outdoor fun continues into the winter, thanks to Mountain Creek Resort, whose grounds transform into the perfect skiing slopes when it snows heavily.

Another excellent spot for pensioners to spend their time in open spaces is the Great George Golf Club. This beautiful venue presents a less strenuous activity to make the most of green surroundings. On another note, at $325,000, the local median home cost is less than the United States average.

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West Milford

Aerial drone view of West Milford, New Jersey
Aerial drone view of West Milford, New Jersey

An outdoor lover’s dream come true, West Milford offers an exhilarating escape to the wilderness. This quaint town in Passaic County is full of green nature areas, harboring dense woodlands and sprawling waterways, promising seniors countless recreational adventures. West Milford hosts Long Pond Ironworks State Park, which delivers enjoyable activities like mountain biking, camping, hiking, and boating. The same principle applies to Apshawa Preserve, which spreads 576 acres and places explorers in the heart of northern New Jersey Highlands.

Beyond the open spaces, West Milford houses several historical attractions which entice indoorsy seniors. The West Milford Museum is an excellent example, allowing fresh retirees to trace the history of their new home through the years. A cluster of independent living communities, including West Milford Older Adult Services, guarantees pensioners support at their vulnerable moments, while the average real estate price is around $425,000.

Final Thought

With their wide range of housing, recreational, social and natural opportunities at reasonable costs of living, these recommended towns in New Jersey prove ideal spots for retirement stretched dollars. Their careful blending of quality amenities and affordability results in well-rounded environments to age in a place with financial security. Whether starting a new chapter near the ocean or within cozy downtown vibes, New Jersey’s budget-friendly options cater to relaxed senior years. For safe, convenient, and economical living, consider migrating to a town highlighted for life’s next phase.



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New Jersey

New Jersey has had an image problem for 250 years. We love it anyway

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New Jersey has had an image problem for 250 years. We love it anyway



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  • New Jersey’s identity has long been split by its proximity to New York City and Philadelphia.
  • The state’s role as a “transitory state” dates back to the Revolutionary War era.
  • New Jersey’s diverse regions and cultures make it difficult to define by a single stereotype.

New Jersey has always had an image problem.

The state was central to the nation’s founding. Its residents have access to two world-class cities, mountains, beaches, suburbs and farms. And yet, for outsiders, the punchlines often ring loudest.

The malls. The Turnpike. “What exit are you from?”

We know the jokes. The big hair, the attitudes and property taxes.

And yet we defend the Garden State.

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“I can talk about my state, but you can’t,” said Ashley Koning, director of the Eagleton Center for Public Interest Polling at Rutgers University.

Its 2015 poll found more than 75% of New Jerseyans took pride in the state, even as 57% said New Jersey had a negative image.

Story continues below photo gallery

Residents polled most often pointed to location, convenience and overall quality of life as reasons New Jersey is a good place to live.

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We have a complicated relationship with our state. We’re not blind to its problems, like the cost of living. But we also see its quality of life.

“New Jerseyans have such a wealth of pride,” Koning said. “We’re not afraid to say what we think is wrong with the state and say where we want to see the state improve — but I think we’re also the first ones to defend our state.”

That pride comes with an edge. Jokes about “The Sopranos” still land, but New Jerseyans get the last laugh.

“New Jersey is often a butt of jokes across the country, but I think the real joke is that people don’t get to experience the beauty that is New Jersey,” Koning said. “And I feel like New Jerseyans know that very well.”

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That tension may be the best way to understand the state as America approaches its 250th anniversary of independence.

Would Founding Fathers recognize today’s New Jersey?

Would a New Jerseyan from 1776 recognize this place?

“In terms of technology, airplanes, cars, obviously there’s just so much that would be different,” said Maxine Lurie, professor emerita of history at Seton Hall University and chair of the New Jersey Historical Commission.

In the 18th century, a letter crossing the Atlantic could take months.

A person in 1776 might have thought of themselves as a New Jerseyan, but not in the modern sense. They were part of the New Jersey colony, and British subjects.

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Local identity was common in the colonies, said Melissa Kozlowski, director of curatorial affairs at the Bruce Springsteen Center for American Music at Monmouth University and director of public history.

“All of the colonies had a very unique identity in the colonial era,” Kozlowski said. “They didn’t feel as if they were one country. That’s why the revolution was such an audacious concept.”

For New Jersey, that local-first identity shows up everywhere today.

The state is built from smaller identities: towns, counties, regions. Whether someone faces New York or Philadelphia affects whether they say Taylor ham or pork roll and what they mean when they say “the city.”

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North Jersey vs. South Jersey? Try East Jersey vs. West

That sets up a familiar debate: North Jersey versus South Jersey.

Long before North and South became the dividing line, there was East Jersey and West Jersey.

They were separate colonies before uniting in 1702. The dividing line ran diagonally across the state. People in West Jersey were closer to what we call South Jersey and looked toward Philadelphia. They read Philadelphia newspapers and had business and family connections in Pennsylvania. People in East Jersey looked toward New York.

“So as we look for television stations or for sports teams, we look in those two different directions. In a sense, they did then too,” Lurie said.

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Being caught in the shadows of New York and Philadelphia can be a source of pride and irritation at the same time.

“We are caught between two of the most well-known cities in the world,” Koning said.

Rutgers-Eagleton’s polling grew partly out of that problem.

“The Rutgers-Eagleton Poll was meant to bring a voice to the people of New Jersey,” Koning said. “New Jersey feels this identity crisis that that voice often will get lost.”

Central Jersey? For real?

And what about Central Jersey? To northerners and southerners, its very existence is up for debate.

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“As a Central Jersey girl, it definitely does exist,” said Koning, who grew up in the region.

Central Jersey generally includes places around Somerset, Middlesex and Mercer counties, with New Brunswick as a kind of middle point, she said. The area has “a little bit of everything,” while also sharing pieces of North Jersey, South Jersey and the Shore.

Identity crisis is nothing new for the Garden State. That nickname, by the way, is credited to Abraham Browning, who coined it in 1876, according to the state library. Browning had been the state attorney general from 1845 to 1850.

During the Revolution, New Jersey produced food both armies needed, and its position between two great cities made it attractive to the British, who — if they could have controlled it — would have divided the colonies, north and south.

They overran the state, but they couldn’t hold it, Lurie said.

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British forces held New York for much of the war and they held Philadelphia for about a year. They held New Brunswick for seven months. But the state remained contested thanks to the toughness of New Jerseyans.

600 NJ battles and skirmishes during Revolution

Anytime British and Hessian forces moved into New Jersey, local militias attacked them as they searched for food.

“They couldn’t hold on to it because they were just being picked off,” Lurie said.

There were more than 600 battles and skirmishes in New Jersey during the Revolution, Lurie said. “I’ve always told my students you would not want to have lived here during the Revolution.”

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For everyday people, the Revolution was not only about ideals. It was about danger, inflation, raids and not knowing who might appear at the door.

“It affected almost everybody, everywhere in one way or another,” Lurie said.

Well before the New Jersey Turnpike and the Garden State Parkway, New Jersey was already defined by movement. The roads were rougher, but rivers like the Raritan and Passaic helped move goods to hubs like New Brunswick and Newark.

By the 1830s, the Morris Canal helped moved goods east and west across the state between the Delaware River and New York Harbor — an early, watery version of Route 80.

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The speed has changed since then. But the state’s role is familiar.

“We are a transitory state,” Koning said.

From taverns to roadside diners

Constant movement helps explain another piece of the identity. A New Jerseyan from 1776 wouldn’t know what to make of a modern roadside diner with its chrome and disco fries. But a roadside stop where people eat and talk would make sense.

“Taverns were really important because that’s where they got news, that’s where they talked to each other,” Lurie said.

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Story continues below photo gallery

In a largely agricultural colony with few large buildings, taverns and churches served as gathering places. Elizabethtown, now Elizabeth, was the largest town in the colony, said Lurie. It had about 350 houses.

New Jerseyans still need places to sit and argue about what’s going on. While Lurie thinks the modern idea of an in-your-face New Jersey personality may be more of a 20th-century idea tied to media, Koning sees pushback as part of the culture.

New Jerseyans are fierce defenders of the state because it’s often underestimated.

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“Our importance is so undervalued and so understated,” Koning said.

She pointed to New Jersey’s role in the Revolutionary War, the Civil War, invention and entertainment as examples of how much the state has contributed.

New Jersey has produced some of the country’s most famous entertainers. But no single one of them can represent such a diverse state. Bruce Springsteen stands for working class culture. Jon Bon Jovi gives another impression and so did Frank Sinatra.

“You can say Bruce signifies and is emblematic of the hard-working lives within New Jersey and that working culture,” Koning said. “But then at the very same time, in contrast, if we look at Sinatra, this is the smoothness of city-adjacent living and Hoboken.”

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No single New Jerseyan

Outsiders may picture “The Sopranos,” “Jersey Shore,” malls and big hair. But New Jersey is too varied to be captured that way, Koning said. “Our uniqueness becomes the stereotype.”

So there’s no single New Jerseyan.

“I think that’s the beauty of our state, much like it’s the beauty of our country and what our country should be about,” Koning said. “The thing that unifies us is our differences bring us together.”

The New Jerseyan of the Revolution would probably flee from the sound of the E Street Band, but they might recognize the geography, the waterways, the pull of the cities and that New Jersey is central to the national story — and still fighting to be seen clearly, and appreciated.

“The historical connections are all around us,” Koning said, “even when we don’t recognize it.”

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Mikie Sherrill welcomes July 4 tall ships to NJ at Sandy Hook

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Mikie Sherrill welcomes July 4 tall ships to NJ at Sandy Hook



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  • A parade of tall ships will enter New York Harbor to celebrate the nation’s 250th anniversary.
  • New Jersey Gov. Mikie Sherrill welcomed the ships and their captains at Sandy Hook before they departed for New York.

As the nation celebrates its 250 anniversary, New Jersey Gov. Mikie Sherrill welcomed tall ships that will enter New York Harbor for an International Parade of Sail. This fleet of giant sailboats will sail around New York this weekend, including a pass by to salute the Statue of Liberty.


But before departing for New York, Sherrill greated the ships and their captains at Sandy Hook.

As temperatures approached 100 degrees, Sherrill was joined in admiring the flotialla by her husband, Jason Hedberg; Rep. Frank Pallone, the Democrat who represents the 9th Congressional District; and ship captains from 20 different countries.

Sherrill summons New Jersey’s role in the Revolution

Sherrill noted that Sandy Hook played a storied role in America’s fight for independence as it was the spot where then General George Washington’s army drove the British back for the final time.

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“It’s this harbor that has been the gateway to America ever since. A beacon for freedom, welcoming immigrants, a channel for commerce, building a strong middle class, a stronghold for the military, defending our nation,” she said. “New Jersey has been the backdrop for it all.

The governor took pride in highlighted the cultural and technological advances that have taken place in the Garden State from the laser to the lightbulb and noted that the eyes of the world are on the state more than ever as the World Cup takes place in East Rutherford.

Sherrill a Navy veteran herself was in awe of the tall ships that came from “places as far away as Italy and India, Peru and Poland, Spain and Sweden” representing an “enduring symbol of friendship and cooperation.”

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“It’s a joy to be here to celebrate with all of our allies and friends,” she said. “This week, millions will turn out again for another massive vote parade, united by a shared love of country, pride in our history and hope for the future.”

What did Rep. Frank Pallone say?

Pallone said that viewing the vessels reminded him of the voyages of discovery from centuries ago and how difficult it had to be especially without the navigational tools modern vessels use.

The congressman said that when speaking to the captain of a ship from India he found out they took more than 20 days to get here and that is a sign of the respect America’s allies and friends have for this event.

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This isn’t the first time the region has played host to such a spectacle. There were similar sailing parades for the bicentennial in 1976, the centennial for the Statue of Liberty in 1986 and the millennium celebration in 2000.

Katie Sobko covers the New Jersey Statehouse. Email: sobko@northjersey.com



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Legendary NJ Fourth of July lobster catch created record that will never be broken

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Legendary NJ Fourth of July lobster catch created record that will never be broken



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While you’re sitting around the grill this July 4 holiday, raise a glass to William Sharp, who caught the mother of all New Jersey lobsters on this day in 2003.

He was diving on the sunken remains of the Almirante, an old banana boat that everyone knows as the “flour wreck,” which is a story unto itself. The 378-foot freighter belonged to the United Fruit Co. and was steaming from New York City to Colon, Panama, with a full cargo hold.

At 2 a.m., Sept. 6, 1918, a Navy tanker slammed into the ship in rough seas and heavy fog off the South Jersey coast. The Almirante went down in four minutes; five of its 105 crewmembers and passengers didn’t make it out and its entire cargo load was lost. For days after the wreck, a white frothy foam washed up onto the shore, leading people to falsely believe the ship was carrying flour to the banana plantations. Its manifold said it was carrying produce.

As if that’s not enough, during a submarine patrol in July 1942 in the early days of World War II, a blimp spotted the shape of the wreck from the air and reported it as a possible German U-boat. A Coast Guard cutter dropped five depth charges on the wreck, blowing it to pieces. It now lays in scattered pieces of steel in 70 feet of water, nine miles outside Absecon Inlet.  

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It was under one of those twisted, steel plates that Sharp, a retired Navy shipyard worker, had his standoff with what would turn out to be a New Jersey state record lobster.

“It’s so confusing down there. You can only see 15 feet, 30 feet in front of you on a good day,” said Sharp, who’s 71 today and living where he always has, on a lagoon in the Mystic Islands section of Little Egg Harbor, or “the end of the world,” as he puts it.

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Sharp spotted the lobster in its hiding spot with a flashlight. But he was out of air. So he cut the rope to his dive reel, and tied it off at the lobster’s location. He then followed his anchor rope back to his boat called Kitchen Table, aptly named because that’s where his friends all sat around in the winter, planning their dives and fishing trips.

Forty minutes later and with a fresh tank of air, Sharp went back down, following the line on his dive reel. The lobster was still there. He turned the light off, because a bright light can spook the crustacean. Then he reached in with his hand and grabbed hold of the giant lobster, trying not to get pinched by one of its massive claws.

“The lobster will stand up in defense and just get itself stuck in there,” Sharp said. “You have to dig the sand out from under it.”

With the water cloudy with floating sand particles, Sharp won his tug of water and surfaced with the biggest lobster ever caught by a diver in New Jersey waters since the state started keeping records.

The lobster weighed 15 pounds, 3 ounces; it’s carapace, or body, measured 7½ inches. The state’s Fish & Wildlife sent a marine scientist to Scott’s Bait & Tackle, where the lobster was certified, to investigate. A month later, Sharp’s find was anointed king of the lobsters.

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Ok, maybe not king of all the lobsters, but his catch became the official state record lobster landed by a recreational fisherman or diver. The record may never be broken either. New Jersey’s Fish & Wildlife retired the lobster category because lobsters that size are illegal to catch recreationally these days. The carapace can’t be bigger than 5¼ inches.

While Sharp’s 15 pounder is the biggest ever recorded by the state for a diver, American lobsters can get bigger, though it’s not common. The largest American lobster was 44 pounds and captured off Nova Scotia in 1977. There is also a Maine legend of a 51.5-pound lobster caught in 1926, but the mount was lost after it got smashed during transportation.

There are New Jersey divers too, that have claimed bigger lobsters, but they just never got them certified. Retired diver Mike Schwartz of Millville said the late Tom Conley caught a 20.4-pound lobster on the wreck Morand, which he said is 30 miles in the ocean from Cape May.

The year was 2001. Schwartz and Conley were diving off of the late Capt. Sam Still’s boat Samar III. Schwartz, who is 77 today, said it never dawned on them to certify the lobster for a record.

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“We caught so many big lobsters back then, I don’t think we even thought about records,” Schwartz said.

As far as the fate of the Sharp’s lobster goes, he ate it. But it was too big to cook all at once. It took him and a friend a week to finish it off.

“I didn’t have a pot big enough. I had to eat it one claw at a time. I saved the parts,” Sharp said.

He had the lobster’s carapace, head and claws mounted. He keeps it on shelf with other nautical items. It’s red color long faded out, the lobster mount is now beige.

When Jersey Shore native Dan Radel is not reporting the news, you can find him in a college classroom where he is a history professor. Reach him @danielradelapp; 732-643-4072; dradel@gannettnj.com.

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