Step 1

Bring a large "heavy bottomed" pot to medium high heat and enough oil to lightly coat the bottom of the pan.  Add beef and break it up.  Add the onions and peppers and stir in half of the spices (chili powder, oregano, cumin, salt, and pepper).

Step 2

Cook uncovered ~ 7 minutes, stirring, or until meat is nearly done and veggies translucent.

Step 3

Add the garlic and cook 1-2 minutes or until fragrant.  Add beans and tomatoes and remaining spices (chili powder, oregano, cumin, salt, pepper, and optional cayenne pepper) and stir.

Step 4

Bring to a boil, reduce heat, simmer covered ~ 40 minutes (stirring occasionally).  Taste half way through and add more salt and chili powder or other spices to taste.

Step 5

Serve with cheddar cheese and sour cream.  Happy Eating!  Beckie