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2 tablespoons olive oil

1 small onion, finely chopped

2 garlic cloves, finely chopped

1/4 teaspoon cayenne

1/2 teaspoon cumin

1/2 teaspoon chile powder

2 plum tomatoes, chopped

2 cups cooked or canned black beans, soaked and rinsed

1 cup water

3 tablespoons chopped parsley or cilantro

4 cups white rice

Salsa, grated cheddar cheese, sour cream, chopped red onions or scallions for garnish