1. Brown hamburger meat in a large pan on medium heat. Add chopped onion and green pepper and cook until soft and onion is transparent. 2. Stir in salt, pepper, cumin, red pepper flakes and chili powder. 3. Add diced tomatoes, tomato paste and tomato sauce. Add water to desired consistency. 4. Add kidney beans and bay leaves. 5. Cook on low heat for 3-5 hours. Discard bay leaves. Add chili powder if desired. 6. Serve with a dollop of light sour cream, shredded cheddar, black olives and fresh cilantro.