I realized to my chagrin after I had posted that I had in effect hijacked the thread – sorry !

Yes, I have been to Nicaragua. It is very poor as you say but also very beautiful and relatively unspoiled. The people are genuinely friendly and there has been very little in the way of penetration by “pandillas” as has happened in El Salvador. Supposedly (it has been a while since I investgated) it has one of the lowest crime rates in the hemisphere as incredible as it may seem.

The issue of future medical treatments is the plan killer I suppose. Even Nicaraguans living here are reluctant to retire there for that very reason.

Back to the main thread, I too am wondering whether it may be time to stop bubble sitting or whether there will be further declines in the areas I am interested which are N PB, sports arena area of point loma and “morena vista” (just north of the 8 and east of the five but south of bay park proper. These areas seem to have come down some but not really so much as to be affordable to us without jobs and at the size we want (a condo around 1500 square feet). A lot of people on this board seem more interested in areas north (kids I guess) and so we don’t here a lot about cheaper coastal areas (the Sports Arena Area I mentioned) and condos on and around Diamond street in PB. How much downside remains in these areas? Any thoughts?