In large saucepan, cook onion, green pepper, celery and garlic in veg. oil until almost tender stirring often.

Add beef fry uncovered until cooked.

Add tomatoes and chili powder which has been mixed with the cold water. Add salt, cumin and oregano.

Cover and bring to boil, then turn to simmer.Simmer about 1 hour. When thickened, drain fluid from beans, add and heat through.