1-LB. GROUND BEEF, 1 DICED ONION, 1 TBLSP. DICED FRESH JALAPENO PEPPER, 1-15-OZ. CAN KIDNEY BEANS WITH LIQUID, 1-14.5-OZ. CAN PEELED DICED TOMATOES, 1-8-OZ. CAN TOMATO SAUCE, 1C. WATER, 1 TBLSP. APPLE CIDER VINEGAR, 1 TSP. SALT, 1 TSP. CHILI POWDER, 1/4 TSP. GARLIC POWDER, 1 BAY LEAF. BROWN BEEF IN A LARGE SAUCEPAN, OVER MED. HEAT. DRAIN FAT. ADD ONION, AND PEPPER AND SAUTE' FOR ABOUT 2 MINUTES, ADD REMAINING INGREDIENTS AND SIMMER FOR 1 HOUR, STIRRING OCCASIIONALLY SERVE ONE CUP IN A BOWL WITH THE OPTIONAL CHEESE, DICED ONION AND WHOLE JALAPENO GARNISH ON TOP.