Add the rest of the ingredients except the potatoes and carrot. Bring the pot to a boil then reduce to a low simmer and simmer for 3-4 hours, stirring occasionally, until the beans are tender and the ham hock is falling apart. In the last hour, add the potatoes and carrot. Remove the ham hock, chop it up and remove the bone, put the meat back into the pot and stir that in, when the potatoes and carrot is tender, serve. Grilled cheese sandwiches would go great with this soup.