Place beans in a pot with the water and season with salt & black pepper.
Bring to a boil, turn to simmer and cook just until beans are softened (but not mushy).
Drain cooked beans in a colander and rinse with cool water. Let drain for a few minutes.
Put cooked, cooled & drained beans in a large bowl along with the chopped mango, orange and jalapeno pepper.
Add lime juice, salt & black pepper to taste and cumin powder and toss gently.
Add chopped avocado if serving immediately, otherwise cover and chill salad and add avocado right before serving.
Taste and adjust seasonings to your liking.
