Jim bought one of the older houses in downtown New Bern and was spending weekends and so on working on it and the boat and still running his business in Charlotte which is several hours away. That's a lot of work even if the "second job" (and third) was next door. I can understand the attitude about financials if you lived in the shadow of BoA pre-2008 or even if you looked at what has transpired post 2008.It may look like it due to the bluffs surrounding it but New Bern is definitely not in anything resembling a "valley". The whole area is only a few feet above sea level. I live in there area too.