The Best of New Jersey – The Best New Jersey Amusement Parks, Beaches and More

Before you start planning your family vacation to New York or Connecticut, it’s worth considering going to the south of the Tri-state region. New Jersey’s regions of Skylands, South Shore and the Western Delaware River; with their snowcapped mountains, amazing New Jersey amusement parks, and rich historical culture are some of the best places to visit year round.

High In The Sky-Lands Region

The highest point in the Skylands region soars at 1,803 feet. Marked by the towering monument in the High Point State Park, the surrounding areas offer dozens of walking trails to explore during the warmer months and of course plenty of world-class skiing in the winter.

One of the best resorts in the region is the Mountain Creek Resort in Vernon valley. Its proximity to New York (it’s only an hour from the George Washington Bridge) makes it a very popular destination for those in the other tri-state regions. There are over 170 acres for ski sports with 19 terrain park trails, numerous tubing lanes and a gigantic SuperPipe complete with stadium lighting.

Wild About Wildwood

For fun in the sun, head down south to Wildwood. The top Wildwood attractions that should be on any visitor’s list are the Doo-Wop hotels, Wildwood beach, and of course Wildwood’s offering of the finest New Jersey amusement parks.

To ensure that you have all your energy to go wild on the amusement rides, check into a nice hotel. Before you start looking for the latest 5 star cookie cutter complex, immerse yourself in the culture of Wildwood and check into an authentically preserved Doo-Wop hotel.

The plastic palm trees of the Doo-Wop hotels are Wildwood attractions in their own right. However, for a bit more authenticity, head down to Wildwood beach — recently voted the best beach in New Jersey. Wildwood has some of the widest beaches on the coast. The beach at Wildwood is patrolled during the summer and is very kid-friendly. The best thing about the beach has to be that it’s free — no beach tags required.

The selection of New Jersey amusement parks in Wildwood is enough to make your head spin. Located right off the beach there are rides for everyone. Tots will love the Kiddie Train and Mini Teacups (just like Disneyland), bigger kids will go nuts at the Formula One Raceway, and the whole family will love a ride on the Ferris wheel.

When you’ve covered all you can of the New Jersey amusement parks take a stroll along the many boardwalks and pick up some Saltwater Taffy for a sugar hit with a good dose of nostalgia.

The Wicked West

If the New Jersey amusement parks just aren’t your thing, go west for a journey through time. The Western side of New Jersey in the Delaware River region has plenty to offer the history buff. Known as the “Crossroads of the Revolution” the region saw nearly 300 Revolutionary War battles from 1776-1783. The Delaware River was also the famous site of George Washington’s overnight crossing from Pennsylvania to surprise the Hessian soldiers in New Jersey. At the site of the crossing, today is the George Washington Crossing State Park. The park has many historical exhibits that will entertain young and old.

Annuities Are Partially Protected Against Creditor Garnishment in New Jersey

Sometimes a New Jersey consumer may give a sum of money to an insurance company or other entity in exchange for a promised stream of income usually paid monthly (an annuity contract). Other times, an insurance company is given a sum of money on behalf of a consumer to compensate for a personal injury. In any event, a consumer receiving annuity payments may be subject to claims by his or her creditors for unpaid debts. Is the annuity principal or the annuity payments subject to seizure (garnishment) by judgment creditors?

Annuity Principal and Annuity Payments Enjoy Limited Protection Against Creditor Garnishment

New Jersey law (N.J.S.A. ยง 17B:24-7) states that annuity principal and annuity payments are not only exempt from “execution, garnishment, attachment, sequestration or other legal process” but also that no creditors are “allowed to interfere with or terminate the [annuity] contract.” However, there are two major exceptions.

Annuity Principal and Annuity Payments Derived From Fraud Are Not Exempt from Garnishment

If the New Jersey consumer created the annuity with intent to defraud his or her creditors or engaged in other fraud, the creditors may seize the annuity or its payments with permission from a court. One cannot create an annuity to avoid the payment of existing creditors should they receive judgments. If this is proven, the court may order the principal liquidated to pay the affected debts or permit the full garnishment of annuity payments to repay debts. Attempting to defraud creditors can also result in criminal charges.

Annuity Payments In Excess of $500.00 Per Month May be Partially Garnished

The law provides a second exception to the general rule that annuities cannot be garnished. If the annuity payment exceeds $500.00 per month, the amounts in excess of $500.00 ARE subject to garnishment the same as “wages and salaries.” Moreover, if a New Jersey consumer receives several payments on different contracts and each of them is less than $500.00 per month, but when combined, they exceed $500.00 per month, a court may determine that excess payments are nevertheless subject to garnishment. Additionally, New Jersey law allows 10% of a person’s gross “wages or salaries” to be garnished in response to a judgment. Let’s see this math in action based on the below example. Let’s assume:

1) The New Jersey consumer defaulted on a $5000.00 credit card account.

2) The credit card company sued the consumer and received a judgment.

3) The consumer has an annuity with a $150,000.00 balance.

4) The consumer receives an payment of $650.00 per month for life.

Therefore, the consumer could see $15.00 of his or her annuity garnished until the judgment is paid. The math:

$650.00 annuity payment

– 500.00 exempted pursuant to N.J.S.A. 17B:24-7(a)(2)

= 150.00 subject to garnishment

x 10% maximum garnishment percentage

= $15.00 garnishment amount

Annuities enjoy a certain level of exemption from creditor garnishment because the New Jersey Assembly believed they should receive some protection against creditors with judgments. Because they are typically associated with retirement and the injured, the Assembly believed this protection, albeit limited, is appropriate.