Re: boat license fine
Technically, to operate on any waters in NJ a boating safety certificate is required. To operate on non-tidal waters, an endorsement on the driver's license is also required and you can't get the endorsement without the safety certificate.
Having taken the class and received my cert, I have to say that it's definitely a good class but the instructor is also the one that administers the test and they tend to make it too easy to pass. If it was like the written driver's test and administered by the state, it would take 100x longer to get to take the test and only people who learned something in class would get to operate.