I pulled this vintage photo off the Internet.
The photo is obviously staged but does show a sailing day trip to the New Jersey bays. The growth of the railroads out to the New Jersey shore allowed the Philadelphia and New York crowd to enjoy day trips where local watermen would gladly take them out on "party" catboats, or if you were adventurous, you could rent out the smaller sneakbox for a sail. Date for the photo...my guess is the 1890's. No idea of the actual location.