Lynda Fricchione's flood-damaged home in the Ortley Beach section of Toms River, N.

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As for Oyster Creek , in Forked River, N.

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But unless you're willing to move to a part of the country with a lower cost of living, the savings may prove modest, cautions Beth Blecker, CEO of a financial-planning firm in Pearl River, N.

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Millennium, based in Pearl River, N.

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Passaic River in Newark, N.

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"I hear the river's better'n it ever was before, " Brother Jobe said.

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Franklin Delano Roosevelt's uncle John was one of the founders of the Hudson River Ice Yacht Club in 1885, and his 48-foot Icicle is still on display in the Hudson River Maritime Museum in Kingston, N.

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Thousands more live in slums along the Naj river without the basic protection of the U.N.

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