4 c. cooked kidney or pinto beans
1 1/2 to 2 lbs. lean ground beef
3 med. onions, chopped
1 clove garlic, finely chopped
3 tbsp. shortening
3 c. canned tomatoes, chopped
3 c. water
3 bay leaves
1 tbsp. salt
1/2 dried chili pepper, chopped
1-3 tbsp. chili powder (to your taste)

Brown hamburger, onion, and garlic in shortening. Add rest of ingredients; cover and simmer 1 hour.